Layoffs, most of the time, are totally unexpected – and totally devastating. In the fall of 2014, my husband was hit with a devastating layoff – and we suddenly needed to replace his income to make ends meet. I was terrified, until that point I felt like my freelancing was just means to get us out of debt faster and have some fun money. Thankfully I had completely overhauled my business earlier that year and went from barely contributing to our budget to being able to support us both on one income. You can do it too and survive a devastating lay off with self-employment – all you need is some time and some sort of skills that you can use remotely – like editing Word documents!