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These side hustles are not for me

November 28, 2011 by Jana 17 Comments

Many bloggers emphasize the importance of side hustles; J. Money of Budgets are Sexy even has an entire series devoted to them. Whether you’re earning the extra income to pay off debt or earning the extra income to be able to afford more of the things you like, there’s no denying the importance of a side hustle. Sometimes a side hustle can even turn into a career (just look at Crystal from Budgeting in the Fun Stuff, Sandy at Yes I Am Cheap and Andrea at So Over Debt). And while I agree with the importance of a side hustle–I’m hoping to be one of those that turns mine into a career–there are certain side hustles that I could never, ever do.

I don’t make that statement lightly. I’ve babysat, been a test proctor and written for a content farm. I’ve even been an online instructor for years! I have no problem working a small side job to make extra money. But I still reserve the right to be a little picky about how I choose to earn that money. With that said, here are some side hustles I will never do (unless I am literally starving, my child is wearing clothes that are 3 sizes too small and we’re about to live in my car):

  • A clown. Let’s not even discuss how creepy clowns are. Actually, let’s discuss how creepy they are. Can you think of anything that’s really more frightening than a grown man or woman dressed up like a clown? I can’t. Also, there is nothing amusing about a clown. They are weird, unfunny, and bizarre. No one really likes clowns; they just pretend to because they don’t want to hurt the clown’s feelings. Now, I realize that people go to school to do this for a living; more power to them. But there is a big difference between a professional circus clown and Flippy the Suburban Birthday Party Clown
  • An elf. With this being the holiday season at all, malls across America are abundant with Santas and his little elves. I, for one, could not do this. For starters, I look terrible in tights. Second, pointy hats with little bells on them? Also not my thing. But the real reason I could not do this is the fact that I get very grouchy with bitchy people. These people are even more abundant than Santas. I would get promptly fired for opening my mouth. Additionally, every time I think of a mall elf, I think of those evil people in A Christmas Story. I don’t want to do that.
  • The person who walks behind parade horses, picking up their poop. I hate horses. I hate poop. This job would be one of the worst things I could ever be required to do. It would be akin to a prison sentence. I would not do it voluntarily. I would not do it for a million dollars. I would not do it if it meant that Bradley Cooper and Jason Segel would move into my house and be my slaves. OK. Maybe I’d do it then.
  • A fluffer. The fact that I know what that is says a whole lot about me, I think. I’m not exactly proud that I’m aware of this particular form of employment but I tell myself that it’s just a side effect of dating someone who lived in a fraternity house for 3 years. Anyway, if you don’t know what a fluffer is, it is the person who keeps the male talent on an adult film set…ready for his performance in between takes. I find this to be both degrading and disgusting. I pray that I’m never desperate enough to have to do this.

I’m sure if I thought about it, there are other side hustles that I couldn’t, or wouldn’t, do unless I was desperate. Like really, really desperate. But these are at the top of that list.

Are there any side hustles you couldn’t do?

 

Filed Under: Money, opinions, work

Ignoring the red flags is a bad idea

October 27, 2011 by Jana 5 Comments

I’ve mentioned before that I am a government employee and have been for over 7 years. I fought hard to get this type of job for all the perks I’ve discussed–guaranteed pension, health insurance, 37.5 hour work weeks, limited options in my field of choice. In fact, I spent 18 months interviewing over and over again for the first position I had with the government. When I got the call that finally offered the job, I actually did a dance at the job where I was working (don’t get me wrong, I was grateful for that job. But the commute was awful and the pay was low). I didn’t care that it was only a $3K raise–I was gaining a whole lot more than just money.

I worked that job for 3 years. I did manage one pay raise but I went through a location change to an hour south of my house. During that time, I had a child and the thought of having my newborn commute 2 hours a day was ridiculously unappealing. So I applied for a job closer to home, still with the government, and was fortunate enough to get it. It was wonderful working closer to home but since it was a lateral move, there was no pay increase (except for the gas savings which was now canceled out by daycare). I still made too much money for it to make sense to quit work all together, and we were now in the throes of paying off debt. I needed to make more money. There was only one option–figure out a way to reclassify my position at a higher level or find a new job.

Since I really liked my job, I worked my ass off to reclassify my position. I did all the necessary paperwork, got it approved by my supervisor, passed it on to her supervisor and then…nothing. My supervisor’s boss sat on the paperwork for too long and the window of opportunity had passed, especially with the fact that my state was heading into a deep budget crisis. The option became clear–get a new job that paid more money.

To do that, I would browse the available openings on a daily basis. I eventually found one that seemed perfect–it was 3 paygrades higher (an almost $9K raise), was on the same grounds as my current position so no commuting change, and it combined both my education and work experience. Needless to say, I applied for that job as soon as I could. Then a miracle happened. I was called for an interview! And then a second interview! And then, I was hired!

I could not have been more excited to have gotten this job. The timing was perfect, too, since I was offered the position on the last day that positions at that paygrade were allowed to be filled without special permission from the governor’s office or an act of G-d. However, in my delirious excitement, I missed several red flags that this job was going to be less than desirable:

  • When I went to my second interview, the supervisor gave virtually no notice. I was called in the afternoon and told to come in the next morning (yes, told. Not asked if it was a good time). During the second interview, while answering the question, she interupted me with this statement “I don’t want a personal example. Just answer the question”. Red flag #1:She has no respect for other people’s time nor does she care about what others have to say.
  • When she offered me the position, she called at 8:15 AM and told me I needed to get to her office right now to sign the offer. I was a bit put off and told her that I needed to resign first but there was no one in the office for me to resign to (I wound up doing it via email). She told me that I could always resign later.Red flag #2: She is only concerned about her interests and does not care about extending professional courtesty. 
  • When I was finally able to resign and get to her building, I was told that others in the division might be angry with me for getting the job since it was between me and someone else who already worked for the division. Red flag #3: She likes to foster paranoia.
  • While we were talking more in-depth about my responsibilities and what I would be doing, she told me that she had lots of projects in mind but wasn’t sure how she wanted me to start on them or which ones she wanted me to work on first. All she knew was that she was “going to give me a lot of work” and that everything would be ready to go once I started (it was a brand new position so I had no workload to assume) but she was really excited for me to start because I was going to make her life a lot easier. Red flag #4: She has no ability to plan, schedule or manage projects unless it directly affects her in a positive way.
  • On my first day, I had no work, no computer access (you have to be granted new access each time you switch divisions), no formal welcome or introduction to anyone else in the unit and no (for the record, it was about a month before I had any real work to do). Red flag #5: She’s doesn’t follow through on anything she says.

I wish that I had paid attention to these red flags and the other ones that presented themselves so clearly. Her behavior made me apprehensive about starting the new position but I was so blinded by the monetary increase that I neglected to pay attention to all of the other factors that go into a job. I took the job and spent 3 years in a miserable pit of despair. My boss was mean (borderline abusive), plagiarized my work, threw me under the bus so many times I have permanent tire marks, and lied. She abused her authority over me because she knew I have a small child and had to work.  She was moody, gave poor directions even when clarification questions were asked, pitted workers against each other, withheld information that would have made projects flow correctly and consistently interrupted each and every project I was working on with her whimsical, poorly thought out “new” projects. She was dismissive of input yet refused to make a decision; she didn’t want the accountability of her decisions.  And, it was only after I took the job, did I find out that absolutely no one likes working with her (for most of the reasons listed above).

My mental health suffered so much during my time in this job that I was borderline clinically depressed.  I couldn’t sleep or eat properly. I gained weight because I stopped working out and from stress. I stopped laughing and having fun because I was so miserable at work and it impacted my daily life that much. But I stayed. For 3 years. I stayed because I didn’t think I had any other options. I stayed because the money was too good to pass up. I stayed because it was comfortable and scared that no one else would hire me. I stayed because I was finally able to pay down debt and get ahead. I stayed because I didn’t think I deserved a better working environment. I stayed because I kept hoping the job, and my boss would get better. But after almost 3 years of this, I finally decided I’d had enough. I applied for other jobs and was blessed to land in the one I have now. And I know how lucky I am.

If there is a silver lining to that job, it’s this: I will never again ignore the red flags. I will never again sell my soul for a paycheck.

 

Filed Under: Money, opinions, work

Lazy ways to save money

September 23, 2011 by Jana 9 Comments

I read the Not MSN Money forum pretty faithfully. They’re a great way to fill time at work and sometimes, I even learn something! Recently there was a thread about painless and effortless ways to save money. Essentially, it was about making cuts on things you do anyway to save a few dollars here or there when you don’t want to make big lifestyle changes like finding a cheaper place to live or giving up a car (please understand that I am aware that sometimes these are not possible. It is why my family will, for the foreseeable future, be a two car family).

To me, these aren’t so much effortless as they are lazy. There’s still some effort required to remember to make a grocery list or turn the dishwasher on at night (if you don’t have a dishwasher and wash dishes manually, the double entendre was not intended. If you don’t get it, think about it for a minute…Done thinking? See, now you get it!) but they’re changes that even the laziest of people can make.

For instance:

  • Change your lightbulbs from standard bulbs to CFLs. Yes, everyone recommends this. It’s a good suggestion. They use less energy, last longer and are fun to look at. They do cost a bit more money upfront but that money pays off in the long run in two ways: you have to buy bulbs less frequently and they save money on your electric bill. Just make sure that you are aware of how to properly dispose of the CFLs when they eventually do burn out. The Energy Star website has some great information on CFLs.
  • Lower your policy premiums. It’s fairly common knowledge that the higher the deductible, the lower the premium. But there are other ways you can save money on your insurance, be it homeowner’s or car. Let’s use car insurance as an example. One way to save money is to take a defensive driving class. We did this 6 years ago and we save 10% each year on our policy. To keep the discount, we are required to take a refresher every 3 years which is offered through our work for $6/person and since it’s a state sponsored training, the class is taken on work time and no extra money for babysitting is required.
  • Use employer discounts. I know someone who works for a supermarket. One of the perks of her job is a discount on groceries. This usually applies to people who work other types retail as well. But what about other employer discounts? My father-in-law works for a nationally known company and about 2-3 times per year, they offer deep, deep discounts on their product (like a 5+ pound package of boneless, skinless chicken breast for $1). Does your work offer discounts on cell phone packages or cable? How about free counseling? Check into what your employer offers on items you might use anyway.
  • Check your bills. Are you paying too much for a feature you don’t use? Then get rid of it! For instance, if you have unlimited texting on your cell phone but you’re only using 200 a month, then change the plan to 250 or 500 texts and save yourself some money. Unsure what a charge is on your Comcast bill? Call the company to find out; maybe it’s a feature they added that you don’t want. Is there a “service fee” on your electric bill that you don’t need? Eliminate it. But you need to make sure to read your bills rather than just paying them blindly. It’s a shame how much money is thrown away from not examining a bill.
  • Unsubscribe from emails. If you’re anything like me, you get a constant barrage of emails from stores enticing you to spend money. New York and Company, Old Navy, CostCo…they’re all guilty of sending me coupons telling me how much money I can save. If I only spend $100 to get that savings. Seeing those emails might encourage you to spend money that you might not have planned or budgeted for. So, much like turning off commercials, unsubscribe from those emails or set up a junk account and have them forwarded there. By not seeing them, you won’t be tempted.
  • The standards. Make a menu plan. Shop your pantry. Combine errands. Pack your lunch. Make your coffee from home (I hate coffee but from what I understand the Keurig even has K-cups for Dunkin’ Donuts coffee now). Buy generics. Run appliances at off-peak times. Turn down the temperature on your water heater. Pay your bills on time (more on this next week) and online.
Making huge lifestyle changes is not for everyone. They are hard to do and often, they are undesirable, impractical or unreasonable. Then there are some people who want to complain and are looking for a magic bullet to fix their situation without putting in the work. And while the big changes are often the ones that make the biggest difference, small changes can have an impact. So if you’re unwilling to make the large sacrifices, why not take the lazy way? You’ll still save some money.
What are some lazy money saving tips that you use?

Filed Under: money tips, opinions, savings

Confession #5: Random confessions

September 16, 2011 by Jana 9 Comments

I had trouble deciding what to confess today. I’ve already covered that I look in your shopping cart, I’m for sale, I hate being a bridesmaid and I pay full price for things. While I know that I have a ton more confessions I can make, I wasn’t sure which one of them warranted its own post. So instead of just confessing to one financial secret, I’m going to confess to a few:

I pay for cable. -Pause for collective gasp.- I know that it’s popular among financial experts and bloggers to recommend canceling cable. And I did. Sort of. I don’t pay for any premium channels like Starz or HBO (though I did wait until Big Love was over before I got rid of HBO) but I do pay for channels like IFC, Nickelodeon (I have an almost 5 year old. This is a necessity in my book), and Style (judge if you will, I need me some Jerseylicious). Although I mainly watch network TV, it’s nice to have the option of a Bridezillas marathon if I need it.

I get my hair done in a salon. I like my hair too much to allow myself to do it myself. I would wind up with angular hair in a weird shade of orange. So I pay someone to cut and color my hair. I’ve been going to the same person for over 10 years, she does a great job and she’s really reasonable with her rates. Considering I’d wind up in her chair after the debacle that would be me doing my own hair, I consider this a money saving and preventative measure.

I eat in restaurants. Again, most experts say that if you’re paying off debt, you should not be eating in restaurants. I say screw that. I cook 6 out of 7 nights a week and I fully believe that once a week I should be allowed deserving of a night off. Menu planning and meal preparation is hard and doing it 6 of 7 days every week can get exhausting (if it were necessary, however, I would do it every day, every week, every month) . To ensure that I have a night off, we have a restaurant budget. If dinner one week uses up that money then we eat at home all 7 nights the following week. And I usually buy lunch once every two weeks, too. I love me some Panera and some Jake’s Wayback burgers (if you do not have this place near you, I am so sorry. If I ever go back to eating meat, a Jake’s burger will be the reason).

I’ve never seen an Indiana Jones movie. OK, that has absolutely nothing to do with money but I had to say it. Please don’t like me less.

That concludes Confessions Week here at Daily Money Shot. Thanks for reading all my confessions. I feel so much better to have gotten them off my chest.

Are there any confessions you’d like to make?

Filed Under: budget, Confessions, Money, opinions, random

Confession #1: I look in your shopping cart

September 12, 2011 by Jana 7 Comments

This week, I’ve decided to confess some of my more unsavory habits. First up: I look in your shopping cart.

Judge me if you will but it’s true. When I am at the supermarket, I look in your shopping cart. Sometimes I am surprised by what I see. Sometimes I am appalled (for instance, scrapple will never, ever be an acceptable purchase). Sometimes I am confused. Sometimes I am jealous. Sometimes I am even reminded of something I need to purchase myself. I could probably spend hours in the supermarket studying what people buy. Other people’s shopping carts fascinate me and I don’t know why.

I will also confess that while I am looking in your shopping cart, I will make assumptions about the following:

  • Your cooking skills
  • Your marital status
  • Whether or not you have children
  • The ages of those children
  • Your snacking habits
  • Your ability to shop sales
  • Your affinity for name brand foods
  • How often you go food shopping
  • Your plans for the night/weekend
What I will not make assumptions about:
  • Your economic status
  • Your health/weight as it pertains to your food choices
  • Whether or not you use food stamps (SNAP) and/or WIC
Why do I not make assumptions about those things? For starters, it’s way too personal and, in my opinion, off limits. Second, it’s not something that can be determined simply by analyzing food choices (then again, neither can cooking skills or marital status) but I refuse to believe that people using SNAP or WIC are a generally unhealthy bunch as compared to those who pay without government assistance (seriously, go look in my sister’s or in-laws’ kitchens. I think they keep the junk food industry in the black). Third, how you pay is none of my business nor is what you choose to feed yourself even if you’re on assistance.
There is an ongoing public discourse about the merits of the SNAP program. Many seem to feel that, because the program is funding through tax dollars, they have the authority to govern what people using SNAP buy (for some reason, no one really targets WIC. I’m pretty sure this is because of the nature and target population of the program). I totally understand where they’re coming from. If you want to spend your time policing what other people buy, that’s fine with me. It’s just not something I choose to do. Because if we’re going to use that logic, there are lots of other tax funded programs that I feel warrant policing and some of them do not include something as necessary and basic as food. SNAP is an easy target because it’s public, it’s visible, and the image of the welfare queen with her Coach purse, fake nails and expensive SUV is one, however false, that’s been painted by the media as the norm rather than the exception.
Please don’t misunderstand my unwillingness to generalize SNAP users or police SNAP users’ food purchases for complacency with the program itself. Do I think the SNAP program needs a complete overhaul? That is a resounding yes. Do I think that program abuse runs rampant? Absolutely. Do I think that not enough is done to combat abuse? Certainly. Do I think that sometimes, ideas about SNAP and what makes sense within the confines of the program are absolutely asinine? Hell, yes (exhibit A: The Arizona pilot program allowing SNAP at restaurants). 
The reality is that, regardless of my opinions, I’m not in a position to make large scale public policy changes. I can have my opinions and I can engage in discussions but in the end, I don’t run anything except my mouth. So I’ll just settle for forming opinions about what the single man is doing with the combination of whipped cream, dish soap, Fritos and Froot Loops. It’s a lot more entertaining.

Filed Under: Confessions, Money, opinions, random

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Jana

I'm Jana ...

A book reading, nail polish wearing, binge watching, music loving, dog owning, reluctant cheer mom.
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