6 Tips to Fight Paycheck Blues - Sudden Expenses, Bank Fees

Are bank fees eating up your paycheck?  If so, there are some things you can do to discipline yourself so that you are not faced with unnecessary problems robbing you of your hard-earned money.  The key is to be assertive with yourself and others and keep an eye on that calendar too!

1)  What is due next?  Do you have reminders set?  There are apps and online calendars that you can set to recur daily, weekly, and monthly to stay on track with your bill payment dates.

2)  Have your partner or close friend hold you accountable.  With a friendly or strict reminder from a loved one, you will most likely do what you are supposed to so that you won't end up arguing a useless defense one day.  "Okay, I confess, I mess up my money...that's why I need your help!"

3)  Put money aside based on your needs (utilities, rent, emergency savings...) not wants (Paris trip, designer shoes, luxury vehicle...)  List your needs.  This way you know you are going to spend about the same amount of money each paycheck.  If you have money left over, then use it to gain more money to finance your dream like start seeking ways to invest it.  Always anticipate sudden expenses, you never know what might happen right around the corner.  Here is a system worth trying-- a financial budget.

4)  Pay your bills online.  This helps with keeping track of where your money is going.  Filter your deposits, now take a look at your credits. Notice the changes you can make with your spending.  Do take a moment to note any adjustments you can make to save money.  You might need to cut off some things for awhile, change companies, or sit down and converse with someone about the current cost of things.

5)  Search for banks with high interest checking and/or savings account.  Place money with banks that don't charge monthly and overdraft fees.  

6)  Lastly, if you simply can't stand your bank any longer, switch banks.  Here is one worth noting and I personally recommend.  Easy to manage, set up checking and savings account online with no need to sit down and talk to someone.  Take a look at site.

Take the time to learn more about managing your money.  In time, you will be so glad you did when you see all the money you have saved and invested.

Nicholl McGuire

Why Is There Fear In The Workplace? Danna Beal

The Board of Fed Up Employees - Petty Coworkers - Ejspeaks

The Six Coworkers You'll Have at Your Job

Workplace Foolishness - Time to Start Looking

When things appear to be getting worse instead of better at a workplace, one must weigh the pros and cons of remaining there.  You may have to leave before you secure a new job depending on how bad it is.  But whatever you choose, be sure the decision you make is right for you and your family.

1.  People making good on threats.

When you have customers, employees, or others doing things to systematically destroy your reputation, you have a problem Houston particularly when you have no supportive network at work.

workplaceproblems.blogspot.com

2.  You simply aren't making enough to put up with all the mayhem.

Now calculate your paycheck and your pain once again.  Hmm.  Is it worth it?

3.  You find yourself coming home arguing with the spouse, hurting the pet, and eating all hours of the night.  Can we say depression?

4.  You can't manage situations anymore.  The workplace operates like a circus with no conductor.

5.  Your issues repeatedly fall on deaf ears.  Nothing seems to get done no matter how you spin it.  Management doesn't care.  Human resources useless.  What gives?

6.  You look in the mirror and you see just how much you have aged since taking on this job (sigh).

You don't need anymore reasons to re-evaluate whether you should continue to put up with workplace foolishness.  Hey check the Indeed job search box on this site.  Who knows today might be your lucky blessed day!

Nicholl McGuire maintains this blog and is the author of What Else Can I Do on the Internet?