Job Loss Money RESET™ -- Financial Recovery Starter Kit

This starter kit was built specifically for the first hours and days after losing your job.

Not generic financial advice. Not a budgeting template adapted for unemployment. Built from scratch for the specific financial reality of losing your income -- the shock, the fear, the urgent decisions that cannot wait and the ones that absolutely should.

Four tools. Six pages. Your honest starting point.

Tool 1 -- Financial Survival Snapshot

Your complete financial picture right now. Every income source including redundancy pay, notice pay and benefits. Every essential expense. Your savings. Your debt. Your runway -- how many weeks you can survive at current spend without any new income.

This is the most important number you do not know yet. Most people discover their runway is longer than they feared. Knowing it removes panic and replaces it with a plan.

Tool 2 -- Emergency Survival Budget

Not a regular budget. A survival budget.

Every expense is ranked across three columns -- must keep, should review and cut immediately. The tool includes a simple calculation to check whether your survival budget is covered by your income from benefits and other sources. If it is not, you go back to the Review section and cut more.

This is not about permanent sacrifice. It is about buying yourself time until income returns.

Tool 3 -- Income Replacement Action Plan

A week by week action plan for the first four weeks after job loss.

Week 1 is about stabilizing your finances before you do anything else. Apply for Universal Credit today. Contact your mortgage lender or landlord before you miss a payment. Cancel every non-essential direct debit. Do not start job searching until your finances are stabilised.

Weeks 2 to 4 are about building your job search momentum systematically. CV updated. LinkedIn optimised. Daily application target set. Recruiters registered with. Network contacted. Coffee chats booked.

Includes your personal income replacement targets -- minimum acceptable salary, target start date, weekly application target and your financial runway deadline.

Tool 4 -- AI Coaching Prompts

Three starter prompts to copy directly into ChatGPT for personalised guidance on your specific situation.

Prompt 1 -- Financial Fear. For the moment when the financial panic feels overwhelming. Copy the prompt, fill in your numbers and receive a specific 48-hour action plan personalised to your situation.

Prompt 2 -- Benefits Maximizer. For making sure you claim every entitlement you are owed. Fill in your details and receive a priority list of every benefit and support payment you should apply for immediately.

Prompt 3 -- Job Search Strategy. For building a personalized job search plan based on your specific role, sector, salary target and runway.

Every tool includes a Charlotte Says coaching note and an AI coaching prompt so you can go deeper on any area with personalized guidance at any time of day or night.

What this kit is the beginning of

The Job Loss Money RESET ecosystem is a complete financial and career recovery programme. The starter kit gives you your first four tools. The full ecosystem gives you everything else.

The Financial Command Centre gives you a complete 20-page Notion dashboard covering both your financial survival and your job search in one place -- including the Runway Calculator, Benefits Tracker, Applications Pipeline, STAR Stories Bank, Salary Negotiation Scripts and New Job Onboarding Planner.

The RESET Coaching Companion gives you 52 guided coaching sessions across all five RESET stages -- Charlotte coaches you before every session and ChatGPT personalizes the guidance to your specific situation.

The RESET Resource Vault gives you five complete vaults covering emergency budgeting, benefits maximization, career recovery, debt protection and mindset rebuilding.

The 90-Day Recovery Planner gives you 203 pages of daily coaching -- Charlotte with you every single day from the shock of job loss to the start of your new role.

All products are available at payhip.com/PlanandProsperStudio.

You do not have to have it all figured out. You just have to start.

Charlotte Jones -- Charlotte Jones Publishing -- The Charlotte Jones RESET Method