Do you know is your job costing you too much money?
When you're considering your new job offer, you factor in salary. Money matters unless you've got a big nest egg that lets you spend without a care in the world. But that is not the case for most people who have to work.
Now maybe, you have to consider the cost of your mortgage or rent, student loans you still must get around to paying off, monthly bills like phone and electricity and internet and cable TV, food and other expenses. This dream job can quickly lose its glamour when you realise it doesn't pay anywhere near enough to survive on every month.
Most people when they get the next job do not continue to examine their expenses once they have accepted the job?
Some signs to look out for are:-
If you're strapped for cash on a regular basis?
Have you resigned yourself to thinking you will have to earn more money?
Well, until you get around to earning extra cash, you might want to examine what your job is really costing you, and not paying you. Many workers forget all the indirect expenses of going out to work, such as your wardrobe, your transportation and your food. If you can cut down or make alternate arrangements, you might be able to boost your bank account even without a pay raise you are looking for.
If you're strapped for cash on a regular basis?
Have you resigned yourself to thinking you will have to earn more money?
Well, until you get around to earning extra cash, you might want to examine what your job is really costing you, and not paying you. Many workers forget all the indirect expenses of going out to work, such as your wardrobe, your transportation and your food. If you can cut down or make alternate arrangements, you might be able to boost your bank account even without a pay raise you are looking for.
Here are seven ways your job might be costing you:
1. Transportation
To get from your home to your workplace probably costs you money in some form. (If you can walk to work or work from home, you're lucky and saving money.) Public transportation is usually cheaper than driving, but it often takes longer, so it costs you time, as it usually does not take you exactly where you want to go.
But if you're driving, don't just look at the price of diesel or petrol, which definitely puts a big dent in your wallet or purse. The back-and-forth of everyday commutes puts more miles on your car, which will mean more maintenance and eventually a need to replace your car sooner than if you worked close to your home. And if you have to pay tolls, that's yet another expense to consider.
But if you're driving, don't just look at the price of diesel or petrol, which definitely puts a big dent in your wallet or purse. The back-and-forth of everyday commutes puts more miles on your car, which will mean more maintenance and eventually a need to replace your car sooner than if you worked close to your home. And if you have to pay tolls, that's yet another expense to consider.
2. Clothing and dry cleaning
Whether you wear suits or jeans, your clothes cost you money and you will have to replace your work wear regularly. If you have to wear dress clothes, the up-front cost is already steep, but then you're stuck taking them to the dry cleaners every week. Or you have to buy enough clothes to go to the cleaners less frequently. Either way, you're shelling out your hard earned cash.
3. Child care
When you have children, you know how really expensive it is for child care. Your cost of child care depends on many factors, such as how many children you have and the child's age and how long the care is for each day, but as you know it's never cheap. Several studies have shown that many working parents spend a majority of their paycheques on their child care, and sometimes parents who work part-time end up losing more money. Unless you have an onsite day care that saves you money or can arrange a more affordable deal with a relative or friend to care for your child, this expense is one you can't avoid, unless you decide to work from home.
4. Food
One of the easiest ways to save money during the week is to pack your own lunch. Unfortunately, life often the best laid plans don't get done and you end up going out for your lunch, which then means you spend a few quid here, a few quid there, and by the end of the week you've spent 60 quid on lunches alone. Does your job-related activities take up more than 40 hours each week. From the time you leave in the morning to the time you get to return home, you might have been gone for 12 hours, and now that means you probably don't have the time or even the energy to cook a proper tea. Therefore you'll be picking up fast food on the way home, how many times a week do you do this?
5. Mobile phone and entertainment of your clients
If you have to use your mobile for work, hopefully your company covers all the cost. Not every company will cover every call you make, and employees are stuck paying for expensive smart phones out of their own pockets because they're expected to be on call every day. They need to be able to access e-mail and send documents at a moment's notice, and these phones and their service plans are very expensive.
Some jobs also involve entertaining your clients. Again, many companies provide expense accounts, but not all of them do. If you get stuck taking clients to lunch or drinks on a regular basis, this cost adds up, especially if you have to drive them around yourself, as this is more wear and tear on your car. How can you be certain that you're really earning more from your clients business than you're spending.
Some jobs also involve entertaining your clients. Again, many companies provide expense accounts, but not all of them do. If you get stuck taking clients to lunch or drinks on a regular basis, this cost adds up, especially if you have to drive them around yourself, as this is more wear and tear on your car. How can you be certain that you're really earning more from your clients business than you're spending.
6. Housekeeping
OK, housekeeping is considered a luxury by many people, and that's fair. However, if your job takes up so much of your time between hours worked and the commute that you're gone 72 hours each week, you're not left with much free time. Therefore, you might feel inclined to have someone in to clean your house while you're working so you can enjoy an hour or so when you get home. A job that takes up less of your time would allow you to do chores without feeling like you're wasting your few hours of freedom. You may end up wondering when you will ever have some time for yourself in this life.
7. Do you really want to be doing your job in five years time?
Where do you see yourself in five years time? Up the ladder with promotion with the stress that this entails, or still stuck in the same hatch, looking after your boss's problems for the same kind of money. All we have to do is look around at the guys and gals next to you, who are 5 years there more than you. Scary isn't it, ask any of them on a Monday morning for the loan of a fiver, and watch their reactions. Yea they are even more broke than you. But now they are caught in the rat trap with no way out till death...
Now imagine you decided to find a way to avoid the daily commute, and do away with the child care costs, cut down on the expensive suits, cut out the eating out, by finding a way so that you could be working from home and still earn the same or even more.
Well a lot of people in this country are already ahead of the posse and are achieving their life ambition of being able to work from home in comfort and earn a substantial income without the stress of the commute, the wear and tear on their car, always having to buy expensive clothes to keep the boss happy.
And they can rear their kids the way they want to...
RegardsGerry
00353872237086
Skype me at GreatProfits
http://businessincomes4u.co.uk
