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Many people underestimate the time it will take to financially recover from a job loss. People continue living a lifestyle that they had while they were working and often use credit cards to fill in the gaps.

Debts can quickly add up, becoming unmanageable if it takes longer than expected to land a job at their previous pay. As the nearly 13.9 million jobless Americans prepare for the holiday season, the following advice and tips can minimize stress and focus on having a positive attitude.

Holiday unemployment survival guide:

-Apply for a seasonal job – According to snagajob.com, hiring managers expect to employ an average of four seasonal workers this year, nearly a five percent increase from last year. Seasonal employees are expected to earn roughly $10.00 per hour, which is unchanged from last year.

-DIY – When it comes to holiday decorating, winter wardrobes and festive dinners stick to doing-it-yourself. Make your own decorations, revamp older winter clothes, and make meals out of what is already in your pantry.

-Freelance –If you're unable to find a full-time job, consider other options such as freelance work. Register on free websites like freelance.com, where employers can connect with freelancers.

-Utilize local non-profits – Most communities have food and toy banks to help those in need during the holidays. For help with holiday meals or toys for children, reach out to trustworthy organizations like the Toy Industry Foundation. Contact your local church or charity bank to see if you can get assistance.

-Don’t stress – Focus on the positive aspects of life such as health, family and friends. Keeping a positive attitude is essential to finding a job in this economy. A positive outlook will shine in job interviews and hopefully help land you a new job sooner.

-Volunteer – Being unemployed is hard to deal with, but people should realize that their situation could be worse. Volunteering at a nursing home or homeless shelter often makes people appreciate what they have and helps them to refocus negative energy. This is also a great way to show support for the local community.

-Network – The holidays offer many networking opportunities. Attending holiday parties, gatherings and church events could be the key to finding a new job.

-Don’t charge holiday expenses – Spending using credit cards when unemployed will only dig you deeper in debt. In the long run, holiday gifts and meals could end up costing you up to 30 percent more than what was originally paid after interest and penalty charges are added on.

Source: Consolidated Credit Counseling Services