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Last Updated:
Don’t
Let “Geek Speak”, Stinking “Fish”, or “Technophobia” Support You From Your
Fiscal Dreams…
Avoid “Lifestyle
Shrinkage” Even as If You Have No Experience, A Archosaur of a Computer,
and Little to No Capital—Using O.P.P.…
“It’s really simple:
Money is freedom—the freedom to spend your time as you choose.
The more disposable financial gain
you have—the more freedom you have
once
it comes to how to spend your time. ‘Lifestyle Shrinkage’
is the Great Depression of our generation. This subtle yet growing
development
boils down to one simple thing: Shrinking disposable
income.”
Madeline
Greene
“Lifestyle Shrinkage”
is a really real problem and it is going to get more worse in the
coming years. What causes Life style Shrinkage? A number of factors
contribute to this growing epidemic, including:
• Rising Energy/Food
Costs
• Stagnant Wage Growth
• Outsourcing
• Job Flight
• Globalization
• Rising Healthcare/Health Insurance Expenses
• High Fiscal obligation on Personal, Business, and Government Levels
All of the problems listed
above are conspiring to lower your buying power and ultimately
diminish your standard of living. The symptoms of Life style Shrinkage
do not all appear at the same time and may include any or all of
the following:
Insomnia: As fiscal obligation begins to grow because our wage growth is not keeping
pace with the cost of living, we start having problems sleeping
through the night.
Endless Cycle of ‘Tightening Belt’: One
of the most natural responses to Life style Shrinkage is cutting
back on purchases of so-called “luxury items”. Next, we wish start
buying cheaper cuts of meat at the grocery store, cutting coupons,
scaling back on leisure activities and possibly
even as a reduction
or end to health insurance coverage.
Depression: As we start to lose hope
that we can ever escape our growing debt, depression begins to
set in. Antidepressants are the number one prescribed drugs in
the earth with millions of prescriptions filled each and every
month…
Clinging
to “Bad Jobs”: We would-be all love to just “fire
our boss” or quit that terrible job—but we can’t, can
we? Even as a terrible job working for an evil boss for
$35,000 a year is better than taking a job at the local
grocery store sacking groceries for $10 an hour! That's
why we continue to tolerate crap like: reduced health
insurance benefits or rising costs; a 1, 2, or 3% annual
raise once
we cognize it doesn't even as support pace with inflation;
long commutes; and abusive bosses.
I'm
not several Alfred bernhard nobel Prize winning economic expert and I surely
don't have an MBA—but makes anyone else think this globalisation
and free trade crap aren’t working? Between skyrocketing
gas prices and rising interest rates—it is hard enough
for two folk to raise a family—so how on earth can a
single parent hope to support up?? I don’t care whether you
call it Life style Shrinkage or just plain scary—but thing
is going on out there and our earth is ever-changing before
our really eyes!!
Three years ago, I was
a Client Service Supervisor working for one of the largest shipping
companies in the world. As a single parent of two teenagers, my
$45,000 annual wage wasn’t exactly devising us rich but at least
we seemed to be living well. I had a good 3-bedroom house just about an
hour from my job, a two-year old SUV in the driveway, and a feverish
but manageable schedule…
But
Then Barb Born
the “O-Bomb” On Us…
Outsourced—our entire
department was to be outsourced to several place I can’t even as pronounce—let
alone remember!! We were all wholly stunned and the worst part
was that we only had two weeks before we would-be be out of a job.
After twelve years of loyal service I had been cast aside like several
chaffy piece of office equipment! That is twelve LONG years of
loyal service wherever
I stuck with the institution despite the fact that
we had all witnessed:
• Dramatic
Increase In Employment
• About Static Wage Growth For Past Five Years
• Ablated Health Insurance Benefits
• Accrued Health Insurance Costs
• Implementation of Silly “Fish” Worker
Incentive Program
Those
Stinkin’ Fish!!
Oh yeah—I had to suffer
and put on a institution smile for that stupid “Fish” program that sweptback
the country a few years back. This is wherever
the institution spends thousands
on new posters and several office supplies portion to promote their
new “employee incentive program”. Like fourth graders we were given
“fish stickers” for things like smiling, encouraging teamwork, blah,
blah, blah…Anyway, the person with the most stickers each month
won a $25 gift certificate to several local eating house and an extra
30 minutes at lunch one day…
Rah,
Rah, Shish-Boom-Ba...
Our office became a play
pen filled with little fish knick-knacks piece we were told the
institution had to cut cost and or staff during review time. Piece
we were given the smallest average raise in institution history—profits
were ne'er
higher and the office was a veritable Fish funfest!
Nobody
Cares Just just about “Fish”…
We care just about disbursement
time with our children and admired ones. We care just about having enough
money to send our children to college and just about having enough put
away for retirement.
Did you cognize that over
1,000,000 retirees have returned to the activity force in recent years
because of retirement portfolio losses and dramatic increases in
energy and food prices? I cognize this because I had to re-enter the
activity force after twelve years and found myself confronted with the
staggering number of seniors still working in their Golden Years.
I submitted hundreds of resumes and used every online job search
service I could find. After 3 nerve-racking months of stalking jobs
from dawn til’ twilight and delivering newspapers to help pay my gas
and electric bill, the only thing I could find…
Paid
$15,000 LESS, Accessorial Another Hour To My Daily Commute,
Cost Me More In Gas, And Caused Greater Stress!
What do you do once
your
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a quarter of the year and owing everyone and your grandma? I didn’t
have any MBA to fall back on, was up to my neck in fiscal obligation with rising
interest rates, a quickly Shrinking Lifestyle, and no hope in sight
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paper routes in the city and with gas prices through the roof…my
life style was in rapid decline…
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