Losing your job can be one of the hardest times of your life. Over the last few years, innumerable people worldwide have found themselves involuntarily out of work –often through no fault of their own. This year, many may again. Since no one is immune from layoffs, it makes sense to plan ahead. Most financial advisers recommend keeping six months’ salary aside for contingencies. However, most of us don’t think about these possibilities until we are laid off. So what do you do if it happens to you, and you’re not prepared? Try these steps.