Budget
Posted By: anon on 2007-11-30
In Reply to: I average 1200-1400 lines per day with a national, and am only getting around 600-800 lines per day. - june
True. A long time ago a HIM supervisor told us high producers never to push bill payments up to our highest incentive level (live according to our means) because there may be times when we only get minimum (required line counts, etc) We were appalled at what she said, because we made a lot of lines and money. But, now that I have been in the business 15 more years since that was said, I totally agree. If you can't live according to your minimum then just live according to a bit over. But that should be it. The extra you get (those lines when things are not slow) need to be budgeted carefully and put in the bank for a rainy day or special thing or emergency. I know that is hard for some to take, but I have seen MTs get too expensive a car, with too expensive a house, based on the year they did well, and then they go crazy when they can't make the payments and have to work 3 jobs when things are slow. I know for a fact that they and I regret ever living beyond means. Just in my experience.
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I moved MANY times, but it was because I was single and on a budget, not because I was irresponsible
I lived in 5 different addresses in 4 years. If my rent went up, I moved. If my roommates and I couldn't get along, I moved. When the apartment had a pervy landlord, I moved. There were very valid reasons for not keeping the same addy, and they had NOTHING WHATSOEVER to do with my responsbility. Then again, I had the same job throughout that whole time, which any recruiter would see from my RESUME that I gave them. No need to go nosing into my credit hx.
Learn to budget. If you need to go to payday loan places, it's YOUR OWN FAULT. sm
Your pay has not changed, just the dates. Why should that matter. Pay your bills when they are due. Don't spend every penny. Learn to not be paycheck to paycheck.
If you tell me you are not earning enough to get out of that rut, think it through because if you are a good MT, there are only 2 reasons that you cannot make it to the next check.
1) You can't afford your lifestyle and should scale back.
2) You don't work hard enough, long enough or smart enough to earn a decent check.
Both can be fixed. Stop whining and work.
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