Friday, January 29, 2016

Financial Freedom Friday's - J.O.B. (Just Over Broke)

Who's in control of your destiny? You? Your Employer? The Government?  Is your job your only source of income?

Some may say, yes, I make great money on my job.  That's awesome, as some work the same job until retirement.  Nevertheless, if you are not saving, investing, and planning, what will you have when it is time to retire? Have you considered retirement?  What if your company is bought out? What if you lose your job?  Are you living from paycheck to paycheck? Paycheck to Monday?

These are all things to consider.  Many of us become complacent and comfortable UNTIL, until what? Until the unexpected happens.

Working as a Human Resources Professional for a non-profit in the State of Illinois, this week I participated in lay off discussions.  It was a difficult task and emotionally draining. Many were shocked, rightfully so, they've been employed with the agency for 10, 20 years. Some were concerned with how they will live, survive, eat, and pay their bills.


Save, every one on the face of the earth that is working a JOB has the ability to save. Whether it is a penny a day or ten cent per year, SAVE SOMETHING.  Make saving money more than a habit, make it apart of your life.  Look at ways to reduce consumption to increase saving.  Save for:
  • Emergencies
  • Opportunities
Things happen or come up unexpectedly, be sure you have 3 to 6 months income saved in an emergency fund.  And more importantly, have money saved up for the opportunity to invest. At a real estate seminar I learned that P.O.O.R. meant, Passing Over Opportunities Repeatedly.

While working your JOB, find other ways to generate income.  Your job should not be your only source of income whether you make $10/hour or $10 million dollars a year.


Jamesia Johnai
Personal Empowerment Advocate

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