It's not polite to talk about money
Have you ever been told it isn't polite to talk about money? Money is a taboo subject. You aren't supposed to say how much you make, what you paid for your car or your suit, what you get for your tax refund. All because you don't want to hurt someone else's feelings.
But how are you supposed to know how much something is worth? Like a car. Like rent or a house. The only people I see talking about how much they spend on something are the rich people. What about those of us who are not so rich?
At work, whenever we get a raise, we are told not to talk about it to our co-workers. Partly because it doesn't want to seem like we are bragging, but also so employees can't compare notes on what they are making. Like someone who isn't making as much is going to feel less than appreciated? But yet, they are always talking about competitive wages in their compensation packets. How are we to know if we are making a competitive wage?
Remove the stigma of money. I've said it before and I'll say it again. Money is not evil. Money helps us buy the things we need to survive and things we want to make us happy. You can't do anything without spending money.
Think about it. Even if you read a library book for fun, you still have to spend the money to drive to the library. Sure, borrowing the book is free to you, but it cost someone money to purchase it. Even if you walk to the library to reduce your carbon footprint, you still have to spend money on the shoes and clothing you are wearing, because you aren't allowed to walk around naked.
Sure, some things cost less than others. But everything costs money.
So if money is necessary to live, why is it considered impolite to talk about it? If someone tells me that they make more than I do, I'm going to want to get some of that. I'm going to work harder, put in the overtime, make sure I'm indispensable to my boss, all to get that raise. If he's not going to give me a raise, I'm going to find another job. That is what competitive wages mean. You compete for a better paycheck. You work your ass off to be worthy of that pay increase. It isn't just given to you.
I work very hard at my job. I remember procedures and I ask questions if I don't understand something. If my boss wants me to interrupt my day to call a county and get some information, I'll do that the first chance I get, then I return to what I was working on. My boss wants me to have more responsibility - I gauge how much more responsibility I can take, and I let him know. All of this so that I: 1) keep my job - no one's job is guaranteed; and 2) I get an excellent performance rating at the end of the year so that I can, 3) get the raise.
I currently make $17.99 an hour at my job. I review assignments of mortgage for accuracy and I sign them and have them sent to the county for recording. I then track those assignments after a certain length of time and work to get copies, if not originals, back from the various counties to send to our customers. I am very good at my job. I take on extra responsibility by taking some of the difficult assignments to make sure they can get recorded. I call the difficult counties in our country and figure out what their recording requirements are and how I can fix an assignment to get recorded. I'm a problem solver. My job is to make my boss's job a little easier, knowing he can come to me with a problem. I make his boss's job a little easier by making sure the assignments get recorded and returned on time according to our customer timelines. I try to help everyone above me in the "chain of command" by doing my job. I answer questions for those who are on my team or other teams. I like my job and I'd like to keep it. I'd also like to earn more money at my job so I can pay bills and keep my house and continue to keep my work and home life separate.
I currently pay $876.14 a month for my mortgage. This includes interest, principal, homeowners insurance and property taxes. I then pay an additional $230 a month for a homeowner's association to come and mow my lawn and plow out my driveway. Ask me what I pay in my bills every month and I'll tell you. I am not afraid of money. I am always looking to save money. If I can help you save money, I will let you know where I shop.
I am removing the stigma of money is bad from my life. Money is not bad.
I paid $1146.20 for my recliner and loveseat from Wayfair yesterday. That includes the $19.99 for them to put it in my living room when they deliver and tax. I also got $40.00 off. That is a pretty good deal for a recliner and loveseat. I went to a local furniture place and they were going to charge me $1592.94 for a recliner and loveseat - that includes the tax and delivery fee. I shopped around and found a better deal and I'm not afraid to tell you.
Yesterday was payday. I was able to pay some bills and not others. Those will carry forward to the next paycheck. I was able to make a payment on one of my credit cards, so that brought down my debt total. I'm waiting for my money to hit my HSA account so I can pay off a medical bill and get it gone.
I currently have $76.25 in my checking account. I will keep that money there instead of going towards another bill because I have a friend who might be helping me get rid of my old recliner and water softener. I plan on paying him for his time and gas. I have enough money in my grocery account for groceries next week. And with any luck, I will not be dipping into my savings. I'll be adding to them. I have an old table that I'm selling today. And I'm going to be listing things today. Every little bit counts.
Don't be afraid to talk about money. If you are afraid of it, it will have power over you. Money has no power over me. I welcome it with open arms and want to see more of it.
But how are you supposed to know how much something is worth? Like a car. Like rent or a house. The only people I see talking about how much they spend on something are the rich people. What about those of us who are not so rich?
At work, whenever we get a raise, we are told not to talk about it to our co-workers. Partly because it doesn't want to seem like we are bragging, but also so employees can't compare notes on what they are making. Like someone who isn't making as much is going to feel less than appreciated? But yet, they are always talking about competitive wages in their compensation packets. How are we to know if we are making a competitive wage?
Remove the stigma of money. I've said it before and I'll say it again. Money is not evil. Money helps us buy the things we need to survive and things we want to make us happy. You can't do anything without spending money.
Think about it. Even if you read a library book for fun, you still have to spend the money to drive to the library. Sure, borrowing the book is free to you, but it cost someone money to purchase it. Even if you walk to the library to reduce your carbon footprint, you still have to spend money on the shoes and clothing you are wearing, because you aren't allowed to walk around naked.
Sure, some things cost less than others. But everything costs money.
So if money is necessary to live, why is it considered impolite to talk about it? If someone tells me that they make more than I do, I'm going to want to get some of that. I'm going to work harder, put in the overtime, make sure I'm indispensable to my boss, all to get that raise. If he's not going to give me a raise, I'm going to find another job. That is what competitive wages mean. You compete for a better paycheck. You work your ass off to be worthy of that pay increase. It isn't just given to you.
I work very hard at my job. I remember procedures and I ask questions if I don't understand something. If my boss wants me to interrupt my day to call a county and get some information, I'll do that the first chance I get, then I return to what I was working on. My boss wants me to have more responsibility - I gauge how much more responsibility I can take, and I let him know. All of this so that I: 1) keep my job - no one's job is guaranteed; and 2) I get an excellent performance rating at the end of the year so that I can, 3) get the raise.
I currently make $17.99 an hour at my job. I review assignments of mortgage for accuracy and I sign them and have them sent to the county for recording. I then track those assignments after a certain length of time and work to get copies, if not originals, back from the various counties to send to our customers. I am very good at my job. I take on extra responsibility by taking some of the difficult assignments to make sure they can get recorded. I call the difficult counties in our country and figure out what their recording requirements are and how I can fix an assignment to get recorded. I'm a problem solver. My job is to make my boss's job a little easier, knowing he can come to me with a problem. I make his boss's job a little easier by making sure the assignments get recorded and returned on time according to our customer timelines. I try to help everyone above me in the "chain of command" by doing my job. I answer questions for those who are on my team or other teams. I like my job and I'd like to keep it. I'd also like to earn more money at my job so I can pay bills and keep my house and continue to keep my work and home life separate.
I currently pay $876.14 a month for my mortgage. This includes interest, principal, homeowners insurance and property taxes. I then pay an additional $230 a month for a homeowner's association to come and mow my lawn and plow out my driveway. Ask me what I pay in my bills every month and I'll tell you. I am not afraid of money. I am always looking to save money. If I can help you save money, I will let you know where I shop.
I am removing the stigma of money is bad from my life. Money is not bad.
I paid $1146.20 for my recliner and loveseat from Wayfair yesterday. That includes the $19.99 for them to put it in my living room when they deliver and tax. I also got $40.00 off. That is a pretty good deal for a recliner and loveseat. I went to a local furniture place and they were going to charge me $1592.94 for a recliner and loveseat - that includes the tax and delivery fee. I shopped around and found a better deal and I'm not afraid to tell you.
Yesterday was payday. I was able to pay some bills and not others. Those will carry forward to the next paycheck. I was able to make a payment on one of my credit cards, so that brought down my debt total. I'm waiting for my money to hit my HSA account so I can pay off a medical bill and get it gone.
I currently have $76.25 in my checking account. I will keep that money there instead of going towards another bill because I have a friend who might be helping me get rid of my old recliner and water softener. I plan on paying him for his time and gas. I have enough money in my grocery account for groceries next week. And with any luck, I will not be dipping into my savings. I'll be adding to them. I have an old table that I'm selling today. And I'm going to be listing things today. Every little bit counts.
Don't be afraid to talk about money. If you are afraid of it, it will have power over you. Money has no power over me. I welcome it with open arms and want to see more of it.
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