Can MY Job afford me?
The Home Business Entrepreneurs
Home Business, Work at Home Mums, Home Business Opportunity
The Silly season is all but over, the credit cards are maxed out and you have just realised most of your pay check is going on paying off your credit cards.
However you did have a ripper of a time over your break. Had a few wines, dinned out every night, ate a little to much. What the heck!
It was Happy Holiday Season it only happens once a year.
Exactly it only happens once a Year and many people take up to 6 months to bring everything back to balance, if they are lucky.
In Australia the ratio of paying of your credit card fully within the time period is 1:2500. So one card holder in 2500 people are paying the credit card off.
After doing a survey in Sydney Australia and asking people about their credit cards, the amazing realisation was that well over 90% of people never pay out their credit cards.
One lady had a credit card for 15 years and has never seen a $0 balance statement.
Another man said he couldn't survive without his credit cards
A couple said it was the only money they could buy food to live each week
The Question remains- Can my job Afford Me?
Every business has a bottom line and every year you must know the figures so you can keep going.
How many employees do the same sort of thing?
Do you take into account the
rise in electricity
The list could keep growing at this point, but here is my question.
If the cost of living increases and the job/salary doesn't, how do you survive?
Are you breaking even?
Or are you unknowingly going broke?
Here is a very simple formula for you to use to find out.
Write down all your expenses and what they cost for the month
Divide each expense/ 4 this will give you a cost per week
Divide each expense /5 this will give you a cost per day
Divide each expense /8 this will give you a cost per hour
Add all the columns up week, day and hour
Include 10% of your wages each month on forced savings.(the first transaction you should do with your wages/salary)
Now using the same process do the same thing to your Income/Wages!
Take the wage/income amount away from the expense and you will have the answer!
It Maybe Not The One You Are Looking For Either!!!
Can your Job Afford YOU?
There is no secret here, many people who use this formula will find out that they can't afford the life they live.
They also find out that without a sales or commission based salary/ wages and extra hours their job can't afford them.
So what do you do?
Get another job, work longer hours for someone else or do they find a part time business which can fill the cash strapped gap.
With the internet today we have that luxury. We can have the JOB and set up a lucrative business in your spare time.
Would you rather spend your spare time making someone else secure?
Or would you rather spend the time securing your future.
It is your call!
So can your Job Afford You?
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Is it just a fancy name for a MLM Business.
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