do a time budget-
its simple how you spend your time, then what i cost you to do them
(I spoke more on productive wage in my thread above go read it then come back)
Now comes the part where we have fun
- your short resources right
time to cut cost
Living-
Rent or mortgage?
Find somewhere cheaper but jobs are nearby-
do take into account family security!!!!
talk to mom and dad and inlaws... move in if you can arrange it
make sure you pay them, or can arrange for a cash set aside for yalls own place
have a preset time limit
Food-
number of mouths to feed
Cut the budget- try shopping at different places
note aldia and save a lot or krogger have not proven cheaper
note do keep a price list- make sure someone is being a cost nazi-
Dollar stores and 99 cent stores- for canned goods and some other items
Keep an eye out for sales but the extreme coupon crap is not worth it
(unless one of you is not working... even then timelog time spent) try and find deals but do not sweat it
start stocking up-
plan your meals ahead of time
personal note-
Walmart had the best deals with time spent planned in-
Sams club has fallen- not checked costco
Albertsons sale for buy one get two on steaks and chops
Chicken - try and catch sale at walmart or albertson- other wise they are about the same so walmart is the choice based on price
Electricity-
unplug crap and make sure it is unplugged when your not there
(leave on the fridge my special needs children)
Use the breakers if you have to and just leave on the fridges circuit
electronics all absorb electricity when plugged in wither they are off or on
Household garbage-
This one is hard... quality matters here...
cleaners in bulk from sams or costco-
soap for hands and dishes- 99cent store
ect- well you have to do a price search for your area- but so far in my experience its either bulk or make do at dollar stores
(btw when me and my girlfriend moved we left over 400 dollars worth of food and supplies for roommate. We also still go shopping for him. we spend
about 200 a month and he is eating well and has about 1000 dollars of bulk food save... ) ( he has been trading it with a few people to get yard work
ect done)
this was all done on min wage for the haters out there
The water bill-
not much can be done here
get clean but leave the bathing part up to the household member- some comforts cant be gotten rid of - no naziism
with this said
run dishwasher only when full
shower more the baths
dont run the water when you brush your tooth
as for the lawn-
- try barrels if you cant- use watering cans and water your yard yourself and rose beds-
only at night
no sprinklers
Gas-
go electric in your house
for your car-
see if walmart still has 10 cent off a gallon in your area
otherwise find a reliable place for gas (pay inside not at the pump)
fill your car all the way up- not ten here or five there-
gas mileage- bang for you buck is king- always fill the tank
plan your daily trips and get rid of unnecessary ones- one trip or minimum number daily
consider bus service and let partner have car for house to save money on gas-
dart 65 a month versus refilling everyweek
me and my girlfriend discussed this and I said no- I now pay for all the gas in the car myself-
as for the rest
no gym memberships- workout at home
no eating out
cable- cancel it
internet-cancel it (unless you START and use it to run a business- it is then a business expense and different cost -get it in the business name)
you do not need a tv- spend time with your family
books however- necessary evil, half priced books or amazon- this has to stay in the budget- you cheapskate
movies- dollar theater- no popcorn- byod- or the rental things for a dollar-
note they have lost my business because they raised prices on some movies so screw them
or walmart and other places have DVD's for 5 dollars or less
pawn shops are overloaded with DVD's for three dollars- i got a season of b5 for 7 dollars
Cell phones-
try straight talk or metro-
the bill should not be more then fifty dollars
watch your contracts terms- do not renew-its not worth it- all you buy now is the phone and amazon can get you a great deal better price
none of the crap on the function you need- the communication line however you do need- with unlimited text both straight talk and metro have- metro
not in your area? well that leaves straight talk (45 dollars a month for unlimited minutes and unlimited text!)
Repairs-
keeping the productivity wage in mind
probably best you have it done professionally
online- check for ratings (yes smart arse you can use the library for free)
save back for these (you will have them)
Clothes-
Washing- if you have w/d great
go over payment cycle of bill and how they are measuring manipulate to your advantage
no washer or dryer-
consider getting your own at an auction or used sales shop- just find one each to last for six months
Savings- put away 10 percent at least
Credit Report-
make sure everything is accurate and the WAY YOU want it to read- be evil and polite but get it done
if I forgot anything post it and I will respond with what you should do... (first is think for yourself...)
now in the next part- we do the work search thing--
no matter where you are keep this in mind-
my advice comes from years of Attending Hard Knocks University- here soon I will have my associates after 15years-
Do you want your freedom or do you want to be a slave-
the great thing about america is you get to choose- chains of being a dog or starving freedom
I made my choice a long time ago- so no the advice I give you is not the easy way-get this in your head now-
only you can save yourself- your real friends do not have to be asked they are already in- the weaker friends only have to be informed
So as a real friend I am about to give you the advice you do not want to hear
You are in the situation you are in because of your own stupidity!
PERIOD!
That ouch feeling followed by righteous anger-
good anger I can use-
you starting to plan a response over well x did y-
or is it if only they paid more
or ect...
Well its still YOUR fault... The liberal and conservative idiots have robbed you of power-
How and what branch of insanity are you on?
Easy if you are at fault you can fix it and make sure it NEVER happens again
(it applies to everything from housing to the economy- look at who you voted for...)
Your choices caused you to be starving, you are 100% percent responsible for the condition you are in... refusal to accept this means failure to
succeed
Great thoughts and suggestions. The only thing I find quarrel with is Wal-Mart, which in our town is not the cheapest for food. Even their specials
are higher than two of our local stores. I chose not to read the job threads, 'cause I just don't need the aggravation. If you can love within
walking distance of your work, then that would be saving a ton on transpo.
I decided to use my car less, and as a result I did save gaas money, but the battery kept dying on me.
Good I hope you are, it means there is hope for you. It means somewhere in your soul you know I am right friend.
So lets finish the repairs-
You are not after a job
whoever taught you that should be shot
a J-O-B is not the cause
Green paperback bucks are
you ready?
Income hunting-
HUNTING should be large and in charge here-
you are on of the great predators on this planet act like it and not an herbivore or a PC moron
Write out and plan this-
Well this doesnt work
BS- I pumped my friend up and helped him -
he now makes 9 an hour with a promotion coming up
First you need to lay hands on cash right-
Timing issue-
how long do you have before desperation hits
note this advice is based on regardless of record or past
No time- well you have options-
4 days a week- day labor-
search online (home or library- quit wasting my time do and do not ask- git r done- philosophy)
for temp agencies and apply at all of them
should bring in about- 50 a day
gives you 200 a week
about 800 a month-
your partners and room mates can do this
2 people means 1600 a month- you can do the rest
If you have an issue with this quit- and starve
(as a friend you need the truth not platitudes)
three days a week left free
Two days a week
you need a resume- git r done-- now that was not a request
for the excuse prone - the I am out of vagisil type
its called the workforce center in your state- free access to the jobs in your area and free resume writing areas and- some places free copies
need help because you are special needs- ask
at the workforce center or even in BTS- minus you name and address
somebody will help you
they even have it on the web-- and if your state doesnt have the aides texas does or another state
After getting your resume written- time to start the hunt
at the wf center you can apply for multiple jobs-
then you need a scheduled job- right-
your cowardly self needs more motivation - I hear you-
Try and find something with a schedule-
try walmart who is still expanding (the employee discount will be handy on cost)
same for krooger, target, sears...
where there is a will there is a way!
so far-
get money rolling in- temp work
resume output and follow ups- keep log two phone calls max
now this is where you consider yourself under-employed right?
Nope this is where you jacked up- and by what I have read you did it quiet beautifully I might add
Plan savings and pay in cash- keep looking for better income streams-
This is where you messed up last time so here you need to plan...
Do you know where you messed up?
I can tell you but it will be meaningless till you emotionally accept it. Its your fault now where did you jack up?
You assumed that the job was all there was... The hard work thing right-
problem is you did not do the smart work...
you where not robbed
your boss was not responsible you did this to yourself
so we fix it
you assumed and bet on it... you lost, so this time do not assume
from this point the generalization breaks up- into branches and potential- I can only give a broader outline to the branches you must pursue to
succeed
Educational
Work
Ownership
Mixes
the central themes will be
planning
time management
cashflow