8 pieces of financial tough love that worked

Sometimes it takes a little kick in the pants to get one's finances in order. Here is some none-too-gentle straight talk that can help put you on the right path.

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Oct 24, 2013 1:13PM

Maybe there was more truth in the header than we suspect..."Are you Getting Paid what You're worth?"


I know of quite a few people who, if paid what they're worth, would have to return their paychecks for the past five years.

Oct 24, 2013 1:02PM
Once again nothing in the article matches the headline
Oct 24, 2013 2:15PM
I guess I really never have worked for anyone. I got a job as an intern my senior year of college with an understanding I would be hired full time after graduation. After graduation, they kept their word. I worked hard for them, learned everything I could about the business. I would never refuse to do anything, regardless of how lowly others might have considered it. While working for them,I go my master's degree. After 5 years, I gave my notice, told my plans to open my own, competing firm but I promised never to solicit their customers. I rented a very small office, picked up some office equipment on the cheap, went out and began drumming up work. Within a year, there was enough work to hire a secretary and within two there was enough work to hire an associate. Within ten years ,I had three offices and was making a lot of money. I kept my promise to my previous employer,even when one of their  customers approached me. I explained my position, they respected the honor of my decision and we shook hands and he walked out. I retire at 55 years old, put my son through private schools and college. I own my house, have money in my 401k,have cash, my household property is paid for, even after doing a complete remodeling three years ago. My cars are paid for and we travel whenever we want. The things I learned about being a success ,if you can call me a success, is to first be happy with who you are and to make sure working for yourself is something you really want for reasons other than money. When you work for yourself, you are never off. Go on vaca and someone will call you. Go home at night and the world has your number. And ,most of all, be not only honest with yourself but be honest with your clients and treat your competition as people from whom you can learn something. Good luck! I found my journey very rewarding!  
Oct 8, 2013 8:43PM

Saving with a plan 15% of salary plus up to 6% matching employer is the very best thing for (a) working person/people.... if done right you and your spouse can be in great shape by your mid fifties..... :)

Oct 24, 2013 1:24PM
Don't give my that crap of "Are You getting paid What Your Worth"....   That is a bunch of crap.  Everyone thinks that they are worst more then they are paid.  It doesn't matter what you think.  The main thing is what the employer, yes that person that is signing the pay check.  What he or she thinks of you.   In the equation of business you my friends are only a small nut and bolt in the calculation...  
Oct 24, 2013 1:46PM
From what I ve  seen most people are over paid
Oct 24, 2013 2:00PM
Since the post Great Recession, my answer is NO! While the cost of living and cost of goods and services are climbing, employees in some places may be only receiving a 2% increase in wages per year. Most who were caught up in the recession who lost their jobs and were lucky enough to find employment later on had to take on a job making much less pay. Where I work we received only one 2% raise since 07 and that was absorbed by the increase in social security tax last year in 2012. This year, we are facing much worse with a possible eight hour cut per pay period or a possible lay off due to a deficit budget. Something that management should have seen coming two and half years ago and allowed some accounts to fall far behind. They will not be affected by a cut in pay. But, some us will be. Plus a possible freeze in step raises and an increase in insurance premiums. So where I work, we are losing money while the cost of living is rising.
Oct 24, 2013 1:39PM
People are usually not paid what they work and if a boss is confronted by a performing employee the employee usually gets a raise. I have been on both sides of the table and I am speaking from personal experience. I actually left a company because I was not given a raise when I asked for it. Fast forward five months I was approached by the company to return. I got what I had asked for and more. In addition they paid off my the company that hired me for relocation and other perks they paid to get me. I have since retired and am fortunately talking/consulting with everyone.
Oct 24, 2013 3:08PM
All of this sounds like pages out of Dave Ramsey's playbooks on how to manage your life and get out and stay out of debt..
Oct 24, 2013 2:53PM
Number one on a list of surveyed employers is  " Just show up "

That should answer a lot of questions
Oct 24, 2013 2:37PM

Are you getting paid what you're worth?


Or won't you work for that little?

Oct 24, 2013 4:39PM

Get a marketable skill and then become the "expert" of that skill.  You will never again be "ripped off" by "greedy" business owners.  The smart ones will beat your door down for your services...or, if you're the entrepreneurial type, you can become one of those "greedy" business owners. 


Simple formula.

Oct 24, 2013 3:07PM
If you work for the state of Massachusetts?,  85% are over paid..  25% are not worth a DIME..  S-Heads...
Oct 24, 2013 3:33PM

Well considering I have been out of work now for 3 1/2 years, uh NO....What kind of rubbish is this reporting MSN??? Oh that's right, we are firmly in the benefits of Hope and Change..I forgot, the economy is just fine.

Oct 24, 2013 3:13PM
Everyone is paid what they're worth.  It's all about supply and demand.
Oct 24, 2013 1:32PM
A better question is "Am I giving my employer their money's worth?"
Oct 8, 2013 8:34PM

Bring it on! Bring it on!!!  The stock market crashed on "Black Tuesday" on October 29, 1929!    

October 29, 2013 is also on Tuesday!!!            Can we have another "Black Tuesday" this October 29, 2013?????

Bring it on, Bring it on!!!!  We need to hit ROCK BOTTOM before we can begin to rebuild! 

1929, people rushed the banks! Withdrew their money!!!!!!!!!! TIME to do it again!!!!!!!!! History could repeat.....

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