Avoid the fear of becoming unemployed by planning for its possibility. Focus on finances, building a network and standing out at work.

Overcoming the fear of being unemployed can be difficult. It can cause serious disruption to people's lives and relationships as well as bring financial uncertainty. However, if employees plan for the potential possibility, then they can relieve some of the stress and strain.

Many people feel that losing a job means the end of the world and consider jumping ship at the first sign of uncertainty. Regardless of someone's current situation, always planning for the future is a safe bet.

Here are five tips on how to build a solid foundation against possible future unemployment.

Manage Living Expenses

Whether possible unemployment is looming on the horizon or whether it is just something that could happen at some point in an employee's lifetime, one of the best ways for someone to manage the event is to always live within their means.

This doesn’t mean they have to give up an occasional extravagant expenditure – the cruise through the Panama Canal – but it does mean they need to plan their budget accordingly. Blowing their entire paycheck every payday can come back to haunt them.

They should consider buying an older model used car or hanging on a few years longer to the one they’ve just paid off. Maybe go without the daily latte – cut it back to twice a week. Or review the number of magazine subscriptions they get. Little things can make a world of difference.

Sock it Away

Not only should everyone have a savings account – consider looking beyond the local bank for better rates at places like ING Direct – they might even want to look into putting money into CDs (certificate of deposit), currently 4.7 percent at ING for twelve months.

Since experts are now saying it can take anywhere from six to twelve months to find the right opportunity – depending on the type and level of position – it is important to have a plan should an employee find herself unemployed.

Sufficient savings to cover debts for at least six months as well as an alternative source of income, if necessary. Whether that means borrowing from family or working temporary jobs, be sure to have a plan.

Build a Business Network

Don’t be lulled into a false sense of security. Anyone building a career should know that they can do that at their current place of business or somewhere else, so it is important to always maintain and build a solid network.

Having a network allows people to be in the know when employment opportunities come along. By developing strong work relationships with people they have worked with in the past, those that they have met through professional associations, and even headhunters, they stay visible.

Build a Personal Network

Maintaining a solid base of friends and family can make even the most dismal situation seem less painful. Knowing the people they care about have their back can make the fear of being unemployed easier to manage.

In addition, many times new employment opportunities can be found through this personal network. So not only can they be a source of strength they may be able to help the recently unemployed get back into the workforce.

Don’t Get Laid Off

One of the best ways for an employee to steel themselves against layoff is to not get on the short list to begin with. To do this they need to be sure they are valuable as an employee.

This means building their brand, solving problems, making connections, always learning and being the best they can be.

While not being laid off can never be guaranteed, by planning in advance an employee can limit the negative impact and disruption and help overcome the fear of being unemployed.