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Â鶹´«Ã½ — During these times when it seems as if there is socialism for the wealthy and capitalism for the poor (given today's NYT' story about the shrinking welfare rolls) and in the wake of the three murder/suicide cases of entire families due to financial stress/debt/job loss that took place across the nation last week, including one in Annapolis, Jodi Jacobson, PhD, assistant professor at the University of Maryland School of Social Work, whose research falls into work/life, work crisis, offers some advice to those who are suffering stress and emotional fallout over the current financial picture. She is the chair of the Employee Assistance Program track at the School.

She says there are things people can do to de-stress over finances: 1. Take an honest look at how prepared you and your family are to cover major expenses if a family member were to lose a job. Now while you still have a job is to take inventory of debt and assets and develop or revise a budget. Also, reach out for assistance. Many communities have organizations to help with this task, such as the CCCS.

2. Low to modern income earners need to learn about the Earned Income Tax Credit (EIC) that allows eligible tax payers to reduce their amount of tax owed or to apply for an income supplement. To find out if you qualify, speak to a certified tax accountant or call the IRS at 1-800-829-1040. People can also look into free tax preparation through the National Community Tax Coalition at

3. Your current job may offer resources that you can access for assistance with budgeting and saving money. Many companies offer Employee Assistance Programs which offer free confidential services that includes financial and other counseling opportunities.

4. If you have been laid off from work and are currently in the midst of financial crisis, it is important reach out to those in the community who can help you regain a personal safety net. First determine if your are eligible for Unemployment Insurance.

Stress Management: The climb back to financial stability is tough with lots of bumps along the way. Jacobson suggests positive steps and behaviors to reduce stress including stretching exercises to alleviate joint pain, fatigue and other discomforts of stress that manifests itself physically. For those feeling depressed, irritable and easily annoyed, remind yourself of the positive things in your life; keep a personal list of de-stressors, exercise, do yoga. Family members need to encourage others to seek professional support if they notice that regular coping mechanisms aren't working or if a loved one appears suicidal.

Spiritual :Many people feeling hopeless or helpless can seek help from their religious leaders, meditation, or take comfort in their religious beliefs and value system. She says, "just as it takes time to recover and feel better after any major transition, recovering from job loss and job change will take time. It is important to consider all options, reach out to community members for support and advice, and who genuinely care about your wellbeing--financially, physically, emotionally, and spiritually.