What I learned from early jobs

I believe that we can learn something from just about any situation. With that in mind, here are some of the things that I learned from early jobs/work I’ve done.

Picking boysenberries. I learned that people will sometimes pay you to do things you love to do. (There’s nothing quite like eating fresh berries right off the bush.)

Babysitting. That I have more patience than I thought. How to start and market a business of my own. That some people value your services more than others, and that you should stand up to the people that don’t pay you what you’re worth or who treat you rudely. (Either by asking for more money, or by refusing to spend your time there.) There are plenty of other people out there that will treat and pay you well.

Dog sitting. That I’m allergic to just about every kind of dog. That dogs love you no matter what. That there are some times when it’s just not appropriate to show or give off the scent of fear. That many people pay more per hour for dog sitters than babysitters.

Worker in a pizza restaurant. I learned that sometimes all you have to do to get a job is walk in and ask. However, sometimes you should fully understand what the pay and work will be like before you accept. To trust my instincts regarding people. I also learned that I don’t get tired of eating pizza.

Bulletin board creator. For this job, I got to design & setup themed bulletin boards in 5 or 6 school classrooms plus an entire library. Once again, I learned that sometimes people will pay you do to the things that you love. (Things that you’d do for free anyway just because you love them so much.) I also learned that there is money in creativity.

Data entry. That if you want a raise, you may need to ask for it. That there is power in numbers. That joking around with and being friendly with the boss is a good thing. That I should pay more attention to my surroundings. That many people learn about and get jobs due to someone they know.

Those were some of the jobs & work I did before age 15. I think probably the biggest things that I learned from working as a kid is that if you want something, you should go after it and do what it takes to make it happen.

What were your early jobs like? What did they teach you about money?

Posted in Kids & money on 10.19.14 with Comments Off

The things you have

The question for each man to settle is not what he would do if he had means, time, influence and educational advantages; the question is what he will do with the things he has.
– Hamilton Wright Mabie

I think this quote makes an important point. Sometimes we get so caught up in what we’re “going” to do, that we forget to focus on what we’re doing right now.

Sure, things like going back to school, getting a better job, or saving up for a down payment on a house can lead to some major changes in your life, but the present counts too.

It can be easy to think “Oh, I’ll be making more money when I graduate, so it won’t be a problem” when making a financial decision. But basing a decision on how you think the future might play out is often a mistake. After all, what happens if you don’t graduate? What happens if it turns out there’s a glut of people in your field, and salaries are low? What if you end up hating the field?

Thinking too much about what life might be like once certain circumstances have come to pass can also rob you of the opportunities that are happening right now. It’s the things we have and do right this very moment that really make the difference, both short and long-term. See what you can do with what you already have.

Posted in Financial health on 09.27.14 with Comments Off

Why I like Your Money or Your Life

One of my money goals is to “continue following the Your Money or Your Life program” but it occurred to me that I’ve never really explained what that program is. It’s a step-by-step way of handling your money put forth by the authors of the book Your Money or Your Life. The Simple Dollar has a nice review of the book itself, so I won’t go into that here. Instead, I want to explain why I’m excited about doing it and how it has worked for me so far.

I first read this book while on vacation years back, and oh boy was it easy to lounge around visualizing being able to live on interest alone instead of “needing” to have a job or business. Now I really enjoy doing the work required in my business, but there’s still a difference between doing something strictly because you enjoy it and doing something because you also need the money. To me that difference is freedom: freedom from debt, freedom from fear, freedom from the corporate mold, and more. The feeling you get with freedom is incomparable.

Doing the steps involved in the program was also eye-opening. It was a bit of a shock to see that I’d made less in some years than I did the first year I ever worked. (Back when the minimum wage was $2-something an hour, and I made LESS than minimum because it was at a restaurant.) And then there’s how much I was spending on eating out…THAT was what I was choosing to trade so much of my life-energy for? Since then I’ve started this web site, figured up my networth, paid off debt, cut back on my spending, increased my long, short-term, and retirement savings, and more.

It’s very motivating to really think about where I want to be. You see, Your Money or Your Life isn’t about choosing between your money or your life, it’s about living the life you really want AND having the money you need to do so. And that’s exciting.

Posted in Books on 08.04.14 with Comments Off

What if we changed how we do things?

I was listening to the audiobook version of The Art of Power by Thich Nhat Hanh, and was struck by how apt this portion that talks about business and politics seemed:

“By focusing our spiritual power, we can change our bottom line from pure profit to one that includes compassion. We don’t need to get rid of profit. Compassion can bring financial and political success. I believe it is simply good business to include in our definition of the bottom line a consideration of all the effects we have on each other and on the planet. Businesses that intelligently combine profit-making with integrity and concern for the world have happier employees and more satisfied customers, while making more money.

Most politicians, and many businesses, from the pharmaceutical industry to multimedia technology development, started out with some intention of relieving people’s suffering. We have to keep that intention, that ambition, alive. When financial profit overrides all other motivations, we self-destruct.”

I do think that most people start out with good intentions. (And we all know which road is paved with those.) But I think that it might be easier for people to keep those good intentions if some of the fundamentals of how corporations are run were changed.

A corporation is pretty single-minded. It has one goal: make the shareholders happy by bringing in profits. Immediate profits. Constant profits, no matter what.

But who are the shareholders? Isn’t that…us? What if we changed how things were done by mandating other requirements in addition to profit, and by NOT making profit the number one goal?

I have this vision of a company that I would like to own — one that does positive things, and where workers set their own hours and work from home, receive paid-for health insurance, have good salaries + profit-sharing, and receive at least 6 weeks of vacation per year. Wouldn’t you be committed to working for a company like that? Wouldn’t you work hard to see it succeed? Or am I just being idealistic?

Posted in Making money on 07.09.14 with Comments Off

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