You can use a 30 Days Living On Minimum Wage Worksheet to set a budget for your free time and then eliminate unnecessary expenses. This is not only easy, and effective, but it will allow you to achieve your financial goals.
I always thought that the idea of working a full-time job and getting paid for it was somewhat absurd. I worked for two years as a systems administrator before I decided to start taking advantage of the work at home opportunities available. My income covered all of my living expenses and allowed me to take care of my elderly parents without interference. In fact, I feel they are much better off with me than they would be if I had not taken on such a position.
During this time, I worked as a consultant for various companies and freelanced for a number of years, and I soon realized that there was a lot of money to be made from the work at home jobs and companies offering positions at the minimum wage. Unfortunately, the growth of the internet business has greatly increased the competition between the companies who are looking for independent contractors to fill their online writing and typing jobs.
One thing that has definitely helped increase the competition between companies is the fact that the internet is just awash with websites offering websites hosting services, and more than a few of these websites are scams. However, there are a few honest, legitimate companies, which provide excellent customer service and compensation packages, and of course, they pay a minimum wage.
Another thing that has reduced the competition between companies offering online jobs is the availability of the internet, which means that companies offering ‘discounts’ and other such promotions are easier to find. While some companies may offer a discount for signing up with them, this is only going to be lower than the online price that you could get elsewhere. Since there is so much competition between companies, it is easier to convince people to work for less than is necessary.
By eliminating the products and services that you do not need or want, you can really improve your financial goals. Most people think that once they have completed all of their financial goals and come out ahead, they are doing just fine. This is not always the case, because sometimes you will experience financial stress from unexpected events.
One way to deal with financial stress is to write down how much you can afford to spend each month. Using a spreadsheet to keep track of every little expense is a great way to ensure that you know what you can afford to spend. If you have not yet started using a spreadsheet, you should seriously consider doing so.
So, if you feel like you are running on a shoestring and are not making enough money, then consider starting a spreadsheet to help you make your financial goals more realistic. You can get a free 30 Days Living On Minimum Wage Worksheet at The Financial Action Task Force (FATF) website.