What should I have done?

ask-the-m-networkThis article is part of the Ask the M-Network series. Molly submitted a question and asked:

I have had 2 temp jobs that said that they were temp to hire, but I had not been hired. During both times, I have had family members pass away, which left me an emotional mess. 2 out of the 3, I was not able to attend their memorial’s and since temp placements don’t give time off for bereavement, I had to work. Both of the potential employers ended up not hiring me. I did explain myself to them, but didn’t seem to care. What should I have done?

Live 30 days on a budget – I dare you!

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If I had to name just two personal finance techniques that have literally changed by financial life around they would be: Budgeting and the Debt Snowball. Budgeting because it’s allowed me to control my money rather than my money controlling me. The debt snowball because for years I struggled to try and get caught up my credit card debt but with little to no progress. Using the debt snowball I’ve paid off half of my debt in just 2 years and am on track to have it all paid off in another 1 -2 years (excluding our mortgage).

More thoughts on staying employed during a recession

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My first post here on Gather Little by Little started out as an advice article for readers. It turned out that several comments in the thread that followed contained some good questions and even more good advice. In my previous article on staying employed during a recession I listed the following suggestions for people who might be worried about holding on to their job:

  • Go the extra mile
  • Make sure they know your name
  • Distinguish yourself from fellow employees
  • Take initiative, but be a team player
  • Understand the mission

How to save money

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One of the things I enjoy doing every so often is doing a little research on the types of phrases and topics people are searching for on the internet. Fortunately, Google provides a really slick tool to do this called Google Trends. I’m sure it will come as no surprise to most of you, but one of the hot topics over the past few months is saving money.

I cashed out my SIMPLE IRA

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I am not a financial advisor, nor do I play one on the internet. So the following story is not necessarily an example for anyone to follow. In fact, you might find a conflicting piece of advice right here on this blog. The coming months and years will tell if I made the correct choice.

I cashed out one of my IRA accounts last week.

It was a Simple IRA from a part-time job. I have not worked for this particular employer for over a year and I am not likely to work there again. The account was held by Vanguard and my experience with that company was positive.I hope to invest there again, if I ever have the opportunity.

Delay Gratification To Succeed

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In today’s busy and hurried society, we want everything now. Think about some of the “instant” things we have in life.

On-demand TV programming. 30-minute 30-second meals. Instant messengers. Drive-thru options for just about any store (because who wants to get out of their car for anything?!). The list goes on and on.

We want what we want, and we want it now.

Welcome to America.

But if we were to go through each of our closets, dig under our beds, or browse around our attics, we would find plenty of items that would fall into the category: “I just had to have it.”

A money story for kids from the 1800's

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We have read short-story books to our children since they were able to sit still, but lately we have been sharing longer books with our daughters in the evenings. We are reading a chapter a day from the Little House on the Prairie series by Laura Ingalls Wilder and our five year old and six year old are currently enjoying Farmer Boy. Laura Ingalls Wilder books are certainly not cutting edge fiction or drama, but they have a charm that winds up being a good way to end the day. The stories are from a simpler time when all one had on which to depend was family, neighbors, God, and the ability to work, work, work. The accounts of the amount of labor required just to make a meal, much less run a farm is nothing short of amazing. The Wilders farmed in upstate New York in the 1850’s and everyone in the family worked long hours from the earliest age. The story is set when Almanzo (Laura Ingall’s future husband) was nine years old.

Netflix Review – online movie rental

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I signed up for Netflix online movie rental a few weeks ago. So far we love it and are very happy with our decision and their service. We did wonder about Blockbuster vs. Netflix though for a while. I thought I’d share some details about Netflix with you and offer it up as a great way to potentially save money. We’re looking at it as one of the options for getting rid of our monthly satellite TV service.

Top Ways To Lower Health Insurance Premiums

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With increasing budget restraints, I have been struggling with health insurance premiums just like many others in the current economic situation. However, being in the business, I am considering some options to lower my rates while making sure I still have the best coverage when I need it.

Although it is more difficult, it is still possible to find affordable health insurance, you just have to know what to look for! As you probably know, your rates for individual health insurance will depend upon many factors. We need to examine these to determine what we can control.

A story of two friends

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Adam and Dave were the best of friends. They met sometime during middle school. They lived in the same neighborhood, road the same bus, and had the same interests. Both came from well off middle class families.   Their fathers even worked for the same company.

When they became of working age, they both obtained jobs and that is where one key difference emerged between the two of them. See, Adam was a spender and Dave was a saver. Turns out this small difference became a huge difference as they grew older.

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