A Spiritual Journey

I haven’t been writing much these past two weeks and honestly I don’t know if I will write much more. After my experience, I find my articles, though useful, as lacking substance.

A little backstory about me. I was raised Catholic by my parents though was not heavily emmersed into the Faith. I was baptized, received communion, took part in confession and went to Mass with my parents.

But at the same time, I didn’t fully understand my religion or what it meant. The time of Jesus felt like a time in history that was sooo long ago. Like mythic story or an incredible legend, not something that should be lived through today.

In my late teens to present, I’ve lived farther from God. Living in sexual sin that is so casual today, being prideful and lost. I’m not a bad person by human standards, but I’m definitely not a Holy person either.

Lately I’ve been feeling very lost. As a child I felt like by the time I was an adult the world would make sense. I would understand why people suffer or why people do evil things or allow evil to occur, but I didn’t. I still have no clue. I also realized how blessed I was with all the gifts of having a great husband, children, a good job, health and family. Still I felt it all could be taken from me, I felt vulnerable.

About 2 weeks ago, I was on the bus I take to commute to every evening. On the way, there’s this billboard with the Blessed Virgin Mary telling us to pray the rosary. “Change your life, change the world.” I had seen that sign many times and thought nothing of it. But that day it was burned in my memory.

A few days later, my mother comes to go pumpkin picking with me, my husband, my daughter and my sister and her boyfriend. She had just come back from her religious pilgrimage from Lourdes, France and Fatima, Portugal. She gave me Lourdes Holy Water and a Blessed rosary from Fatima. I thanked her and she told me that she had a spare for my sister, who hadn’t arrived yet. I immediate thought of my mother in law, who’s mother (my husband’s grandmother) was sick. I asked my mom to give the spare religious items to my mother in law instead. Not explaining why.

Immediately I knew I did a good thing and thought about how happy God would be that we are sharing our faith among eachother. The thought lingered and so did the billboard.

I found myself looking up the rosary prayer wondering if it could really change our lives. I don’t know what drew me to the rosary that my mother gave me, I had never prayed the rosary before. After all my research, the common theme was that it was a powerful prayer that allowed for God’s Grace.

In a sort of test to God, I agreed with myself to pray the rosary every day for a month and see what happens. I thought, “What could I really lose by praying the rosary every day?” I would be open to whatever the prayer led me to, even if it was nothing.

After two days of praying the rosary, many things were revealed to me. Some things that I had always known but chose to ignore and other things that I had no real understanding of previously.

  1. . I realized how greatly I sinned and how it offended God for me to live like this. It was like the veil was lifted from my eyes and I knew I was living in spiritual squalor.
  2. I needed to go to Confession and confess all that I’ve sinned with great remorse. This wasn’t hard, because I felt so disgusted with myself.
  3. I needed to be the spiritual pillar for my family’s faith because even though I was weak, I was still stronger than my husband and my daughter in Faith. Through me and my devotion to God, they could be saved.
  4. That our lives on this earth is incredibly short and we were always intended to live as Saints among the Angels. And that if I didn’t feel like I was a Saint now, I need to start working on myself spiritually. Right now we are in a very fallen state.
  5. That the Devil is real and lives among us with his demons. Many people don’t worship the devil outright. But people who do not have God in their hearts are allowing themselves to be used by the Devil to destroy their souls and the souls of others. Many of the evil things we see in the news are caused by the Devil acting through others.
  6. That my eldest sister was being spiritually tormented. That’s why she has so much hate for our parents, including our father.

I found many of these thoughts strange. They had come to me out of nowhere. I started researching Catholic terms including: what is grace, miracles, Fatima and Lourdes. Heaven, Hell, and Purgatory. Saints, Sainthood and incorruptibility. Everything that was uniquely Catholic.

I concluded that these thoughts came to me from supernatural means and through the grace of God.

I started to get very sad in the mornings thinking about all the ways I have sinned and how blessed I was to have received the Grace of God. I was crying a lot and feeling very sad.

I resolved to go to Confession as soon as possible to take care of all the longstanding sins I had committed. I created a two page list of all the worst sins I had created and resolved not to commit them again.

I personally dislike Confession. The hardest thing you can do is stand before God and say, “here are all the ways I failed you, please forgive me.”

When Saturday came, the day the Sacrament of Reconciliation is offered, I waited my turn for my confessional. When it was my turn, I immediately start crying but go through my whole list of sins.

Father helps me through the Acts of Contrition prayer I had forgotten and absolves me of my sins.

So here I am trying to mend my relationship with God that I let fall apart over the years. I thought I would share this story with all my loyal readers. After much thought and prayer, I’m taking a hiatus from this blog to focus on God and my family. If any of you have any questions, feel free to ask here.

Get Over Your Ex Now! With These Easy Tips

Breakup of a couple with sad girlfriend and boyfriend walking away with city in the background

Not all relationships were made to last and I’d be lying if I didn’t linger a little too long in past relationships but I’ve definitely learned over time how to kick the bucket quickly when a relationship has gone sour.

I’ve written a few posts on love before including Biggest Red Flags in A Relationship and What is Love, so this is just a follow up on ending relationships that just aren’t meant to be.

1 Cut Contact

Cutting contact with an ex is the hardest thing to do, especially when it’s someone that you’ve been dating for a while. You might have gotten used to them being there for you for nightly chats, companionship, financial help and overall support. Cutting the cord can be scary and daunting.

I recommend starting with blocking the person on your phone so they can’t call or text you. You’ll also need to cut them from social media and remove their ability to contact you from there. I wouldn’t say that email is next, because it’s a pain in the ass to move all your emails and notices to a different email. The best thing to do is to create an email rule that pushes emails from your ex to Trash or Junk.

In a very deep entanglement, I highly recommend changing phone numbers. When I tell my friends that, the first thing they say is, “Why should I have to be the one to change my number, it’s been my number forever!”

My response is, “keeping your phone number is a way of letting your partner have easy access to contacting you.” I mean, think about it, your phone is always with you!

2) Get rid of memorabilia

Break off all memory. They say “Time heals all wounds.” But it doesn’t help if you keep tokens of the relationship or photos of your previous love.

Some of you might shake your head and say, “I shared some important memories with this person, I just can’t get rid of them.” And I completely get that point of view but In that case, I would recommend storing the items, photos, and memories for a later time when you’ve finally gotten over that person. Store them with a friend, family member or even in mini storage until you can look back at the relationship and feel nothing.

Things I would list as emotionally triggering: photos, jewelry, old clothes from your partner, emails, texts, gifts and any place that you used to frequent with them. The mind is a powerful place and you can easily find yourself visiting memory lane and feeling a lot of nostalgia and heartache with any of these reminders.

3) Sharing friends:

This is probably the hardest thing to manage since friends will likely feel torn if they are closely connected to you and your Ex.

But that doesn’t mean you can’t establish boundaries for what you’re comfortable with.

If your friends are torn between two partners, you don’t need to make them choose. You can establish that for right now you just can’t be near that partner, even as friends, and to not include you in events their attending.

You can also request privacy from your friends. There’s no reason why your Ex should be able to check in on you through friends. True friends wouldn’t gossip about how you’re doing behind your back and would choose to stay neutral.

In the end you might lose some friends, but that’s their choice to make whether they want to pick sides or not. A breakup like this can be very eye opening as to who your true friends are.

When do you know when your finally over an Ex?

When you can look at pictures and not feel any remorse, regret or sadness. One day you’ll be able to look back at pictures or visit an place you used to frequent and feel a calm nostalgia like, “this was a part of my life, but now it’s not.”

Being over an Ex means that you’re able to pass them in the street and not feel embarrassment, fear, shame or sadness.  You can kind of look back at the time you spent with them and feel little to no emotion over what caused the breakup.

Most importantly, FORGIVENESS is the tell-tale sign of being over an Ex.  Because only when your able to forgive, are you able to move-on.

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Feel free to read my other posts on relationships including:

What is Love?

My Favorite Dating Book: Why Men Love Bitches

The Biggest Red Flags In A Relationship

Dating in Your 30s vs Dating In Your 20s

 

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How to get over an ex

Getting over a breakup

How to get over your ex

How to get over your Ex fast

How To Live With Student Loans & Pay Them Off Faster

Hello my name is.

I have major student loan regret.  I’m not going to lie, looking back, I was not well educated on how loans worked.  I didn’t understand the financial repercussions of signing on for those loans.  In my mind, they were a necessary part of getting an education. I was a person that needed a lot of student loan debt help.

Actually, everyone was getting loans, so to me it wasn’t anything out of the ordinary.

I didn’t understand how much I had until graduated undergrad with about $20K in loans.  At the time, that seamed like a behemoth amount.  But it would only grow as I went off and took a risk going to law school for 1 year. By the end of that year, I finished with 49K worth of loans.

Still, I was in denial of how much in loans I owed.  I paid off a little here and there and sat on some unused loan money for a few years, while I was trying to build a safety net of emergency funds.

From the age of 18-24, I was not smart with money.

From 2011-2014, I was making small $200-$400 payments, it wasn’t until 2015 I realized I couldn’t forebear any longer and made my mind up to commit to the 10 year payment plan.  By that time, my debt had ballooned to nearly $60K. Mind you, the student loan payment for a 10 year payment plan for the average overall student loan of $25K is $280.

Until now I’m still paying a minimum of $871 towards my principle and interest.  But I’m working towards pushing and paying off my loans in bulk.  Earlier this year I paid off a $10K loan in full!

I’m lucky, I’m at $24K-25K in remaining debt, down more than half after deciding to get real about my student loan debt.  And in 3 more years, if not two, it will be completely gone.

Here are some tips to live with student loan debt.  Sometimes it’s inevitable to have to take out loans but we can at least minimize the shortfalls and reduce college debt.

  1. Pay Off Your Loans While You’re In School:

I had these stupid minimum wage jobs that brought in a couple hundred here and there. If I put at least 150 a month towards my loans, starting day 1, do you know how much of a dent that would have made in principle and future interest?  Whoosh, I don’t even want to think about it. Probably closer to 10K but I’m here not to regret and feel sorry for myself but to hopefully wake up a few other people who are still in dreamland about their loans!

2. Stop pretending you’re loans aren’t that bad.

Whether you have $1000 in loans or $200K in loans, you need to face them as soon as you’re financially able to.  Make a plan on how to pay or at least minimize your loans.

My sister is a great example of understanding how deep of shit she was in.  She went to two Ivy League Schools, Cornell for Undergrad and Columbia for Grad.  She was a smarty pants in many ways, and got a practical degree in engineering.  Still, her $70K salary doesn’t seem like enough to pay off her $125K in student loans from 6 years of Ivy education.

She was smart in the sense she worked during those years and put whatever she could working paid internships and hosting at restaurants towards her loans.  She saved herself thousands by doing that.

Though she makes a decent salary, she still lives below her means and drops 2K a month towards her loans.  That bad boy is going to be paid off in 5-6 years.  Considering the size of the loan, that’s incredible!

3. For Godsake, go to college for something practical!

I had a friend that started for speech pathology in college and spent two years pursuing that. Then she changed direction and decided to do performing arts, even though our school wasn’t a performing arts school.  She then transferred to another private college, lived on their Manhattan campus and finished her schooling there.  She finished with a liberal arts degree, because the other school she transferred to wasn’t a performing arts school either.

She worked a few years, then decided to go back to school for teaching.  She went back for another 3 years of undergrad or grad and is finally a teacher.

But OMG she is in too much debt.  Nearly $200K worth of debt with only a $50K salary?  Like how was this ever going to work for her? What was she aiming to do with all these changes and all these expenditures?

My friend is just one gleaming example of all the people I know who weren’t practical in choosing or at least funding their degrees.  I have nothing against less practical degrees like art, liberal arts, and philosophy.  But did she really need to spend $200K to get that?  Wouldn’t it have been better for her to just go to a community college first and then transfer?

I’m not perfect and I’m one of those people who didn’t think about the practical nature of my degree, Legal Studies.  But I made the most of it and got my real estate license through the course I took..  I realized that I couldn’t keep running from the hardness of finding a path and managed to carve one out through an opportunity provided from my education.

4. Live Frugally to Save Even Move Towards Loans

For me living very frugally felt like punishment.

“I can’t afford certain things because I made this bad choice and collected all these loans.”

Still to this day, I struggle with frugal living BUT you can take small steps to at least spend your money wiser.

I’ve stopped buying coffee outside like at Starbucks or DD. $1.95 3X a week for a cup of coffee adds up.  Over a year, that’s exactly $304 a year just on coffee.  With that money, you can buy a $30 coffee maker and 2 years worth of coffee grinds!  It just didn’t make sense.

I stopped buying frivolous things like random makeup and clothes to build a wardrobe that was already big enough.  I stopped going out to drinks on every occasion.  My socializing cut back a little bit, which kind of sucked.  But I invested in spending time with people who didn’t need to spend money to have fun, like my parents and sisters.

Cutting the non essentials was a hard change, but putting it towards my student loans was liberating.

5. Work a side hustle

I’ve never had a chance to tackle this but I would encourage this in anyone who has the free time or talent.

Taking on a 2nd job like Uber or working at the pizza place down the street can definitely help you.

Imagine taking on a part time holiday position on top of your 9-5 full time job.  If you earn an additional $600 a month, you can put all of that towards your loans on top of the payments you usually make.

This can help you make a nice dent in your loans and help you pay off your loans faster. I’ve heard of people paying off their large five figure loans in just a few years with this method.  Combine that with all the other methods we just discussed and that could be the way out of debt.

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Overall, I hope this post has helped you to realize that even though we had to take these godforsaken loans to get ahead, there’s no reason why these loans should keep us behind financially.

Wishing you all prosperity and financial wellness 🙂

 

 

How to Job Hop Successfully

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Millennials are set to be the majority in the workforce in the upcoming years, that is if they’re not already running most offices.

5-10 years ago I remember reading article after article about how millennials were disastrous for companies because of their lack of loyalty and lack of respect for hierarchy and systems. Employers were scratching their heads trying to wrap their head around how to retain the best millennial talent. “What do you mean, you don’t want to pick up my coffee and work your way up from the mailroom? But that’s how everyone starts?!?!”

At the time, we were job hopping furiously trying to find opportunities that fit our best interest. Some of us were smart enough to realize that spending 5 years in a mailroom after spending thousands on higher education just wasn’t going to cut it.

I’ve personally had 8 jobs in the past 8 years! That’s a different job every year! Of course some of my employment was short-lived while others lasted 2-3 years. But honestly I’ve never stayed somewhere more than 2-3 years! Yet I’m making close to six figures in salary and compared to other comparable positions, I’m at the top of my pay scale.

So after 8 years of relentless job hopping here are some thoughts on how to make it work for you.  Is job hopping good or bad? That’s totally up to you!

1)  Realize the bigger picture of your position. Think about how will this add to your resume.

The only time you’re allowed to have a lackluster resume is during those few years after college. Even so, the lack of experience will cause you to be scrambling for meaningful work or any work at all. Because of this difficulty some people settle for the first job they land. Some people end up in the service industry like bartending or waiting. Others end up at a dead-end office job getting coffee for someone at a company that no ones ever heard of.

Smart employees take these opportunities for what they are and plan their exit strategy. They take on more than their role so they can add some extra skills to their resume. They bide their time while a side hustle slowly flourishes into a reliable business.

2)  You are not entitled to a growing career just because you have a diploma.

One of the hardest truths I’ve learned is that I was the only person that was capable of growing my career. No one else. All the dead-end jobs I ever had, the managers and coworkers would have been just as happy to let me stay there for all eternity as long as I did a good enough job.

Advancement? Ha! If you can call a 2% cost of living raise advancement, I guess so.

It’s a hard truth to swallow because universities and colleges tend to brag about how 99.9% of their graduates find jobs in the field of their choice within 6 months. You’re raised to believe that if you don’t succeed right away, it’s your fault. You’ll talk to your college guidance counselor and they’ll just say, “just network more.”

So for me job hopping was the best way to be in control of my work situation and career. By changing jobs frequently I was able to gain the knowledge I needed and move on to greener and more profitable pastures.

I would sometimes feel guilty for leaving, like, “omg, they need me…I can’t leave.” And I think people, especially women, tend to view their work like friends or family and feel loss when it’s time to move on… but at the end of the day we need to look out for own best interest.

3) You can give yourself some major pay raises by job hopping.

With every job you’ve taken, hopefully they’ve helped you add to your repertoire of skills so now that you’ll be in a position to negotiate and market what you bring to the table.

Here are the job hops I’ve made to help you’ve visualize what I did to make sure that each job and subsequent “hop” turned itself into a payday.

  1. Office job- sales job selling and organizing the movements of goods: $30K, 1 year period.
  2. Brief stint as a rental broker $1200. 3-4 month period
  3. Business owner- cosmetic distribution company- $5K over 1 year.
  4. Perfume salesperson- on and off for a few years, 8K over that period.
  5. Target Associate $3000- 6 month period. (I was pregnant during this time, so just needed light and easy work)
  6. Receptionist at a new rental building- 75K over a 10 month period.  (This was a troll position and I was definitely overpaid, but it was a blessing during the time I was a new mother.  It ended after 10 months because it was a contract position).
  7. Real estate broker – Year 1 $6000,  Year 2, $30K, Year 3 $45K.
  8. Full time salesperson for developers $80K

So my jobs were pretty diverse and but the main focus is that I’ve done sales jobs for the majority of my 8 years and, during interviews and my resume, I was able to convey how all these different opportunities helped me grow as a competitive salesperson.

Of course some things were irrelevant like that very short stint as a rental broker and that time I had to work at Target to make ends meet but those experiences still keep me humble as to how far I’ve come.  In the end I’ve left the more irrelevant experiences off the resume.

Overall, I think that job hopping has become more normalized.  People are realizing that they are not being rewarded or recognized for they loyalty and dedication but rather, treated like replaceable cogs in the corporate machine.  When there’s nothing to gain from staying, what is there to lose from leaving?

For me, my experience job hopping has been confusing and uncertain at times.  I wanted to know if I was going to make it somewhere where I felt I was earning a reasonable living.  And I finally made it!

My one piece of advice is to look at the big picture of what you need and want and commit to that over everything and everyone else.

Wishing you all the best of luck on your careers.  Feel free to share in the comments below.

Feel free to read my other career related posts:

Top 6 Ways To Maintain A Work Life Balance When Your Job Is Stressing You Out

Top Lessons I learned In Business & As A Salesperson

Build An Eye Catching Resume And Get More Interviews

 

 

Manage Your Anxiety Naturally With These Amazing Organizers!

shinesheets.jpg

One of my first posts included my struggles with anxiety.

Overcome Your Anxiety. 5 Ways I Worked To Overcome Mine became one of my more popular and shared posts.

Though I’ve come a long way, sometimes I still find myself with a pulsating heartbeat and racing thought of impending doom over the smallest obstacle.  I’m not a person that really needs to manage my anxiety with medicine.  But these moments of panic can really be disruptive in my life.

I’m partnering with SHINESHEETS, another blog that focuses on personal development and anxiety management.

Amber, the site’s creator, made these AMAZING organizers specifically tailored for people that suffer from chronic anxiety.  You see the key to anxiety relief is in maintaining some sort of control over what’s happening in your life, regardless of whether your mind is telling you it’s falling apart.

I thought it was a pretty creative idea and I checked it out and was really impressed. Her digital designs are incredible and are almost guaranteed to help you maintain control and direction in your life.

What really drew me to the idea was that these organizers and journal inserts were actually really intuitive on what it means to live with chronic anxiety and also what it takes to fight it.  I believe Amber is someone who knows full well how crippling anxiety can be, so her creating these affordable organizers based on her own battle with anxiety, only makes this product more authentic and useful.

Immediately I knew that these products were something that could help people.  I mean considering that 40 MILLION people suffer from some form of anxiety and only 40% of those people are able to receive treatment, this product could really change lives.

It could make a dent and some progress in a condition that most people have suffer through silently.  So check out some of these products that caught my eye.  I hope these help you fight and organize yourself through the battle of anxiety.

Look at this Gratitude Journal

Gratitude Journal

I mean, it’s only $6 and these are endless.  You can literally download them over and over and over again.

It’s purpose is that by writing down everyday what you’re grateful for, you can change perspective and find the silver linings in even the darkest days.  Soon you’ll be able to control those spontaneous negative thoughts and stop your anxiety by realizing how full your life is already!

How It Works:

1)Go to the Shinesheets website

2) Choose a bundle 

3) Order and download

4) Print from your computer and start using in your agenda/journal/organizer.

I really can’t support this idea enough.  I would also recommend taking a look at the financial planners.

Finance Tracker

You know how I am about the importance of budgeting and I honestly feel like one of the biggest triggers for anxiety in most people is a lack of financial organization and a lack of financial control.

It includes:

  • Monthly/daily income tracker – track up to 6 income sources
  • Monthly/daily expense tracker – track up to 6 expenses
  • Monthly balance sheet – find out the balance of every day and monthly totals.
  • Yearly income tracker – helps you see what was bringing the most money to your household through the year.
  • Yearly expense tracker – shows you where you’ve spent the most this year.
  • Final yearly total/balance sheet – are you in a profit this year?
  • Yearly savings tracker – track how much you’ve saved every month.
  • Debt payments tracker – a single page tracks one debt for a whole year. =
  • Financial goals sheet – a matching goal setting sheet where you can write down your money flow possibilities, ways to save money and other financial ideas.

This package is only $9, a small investment for finally tackling your stress inducing finances.

This is such an innovative idea and perfect for those who love scrapbooking, organizing or need to get a jump on finding positivity in their lives.

One tip I’d like to share is that you can print them on regular paper or thick resume paper to give it a special touch.  You can also do colored paper.

Honestly, organizing and planning can be an incredible way to put your anxious thoughts away and manage anxiety with mindfulness.  This is a very natural remedy for anxiety and will teach you how to deal with stress.

There’s also a few bundles, this is great if you like a few of the packages she has, you can get a discount and more with a bundle.

Anxiety Bundle

Great for tracking dreams, anxiety triggers and patterns!

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Love Yourself Journaling Bundle

Great for creating a journal of your day to day thoughts, worries, and tracking nutrition

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Goal Planning Bundle

Perfect for creating a path for yourself and achieving it!

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Feel free to share your thoughts, love these and I hope these tools help you accomplish what you need in life <3

 

Married Couples and Money

The bride counts the money. Wedding expenses. Bride with a piggy bank

When we think of marriage, we think of wedding bells and dresses, flower girls and ring bearers, and a couple expressing their everlasting love to one another.

No party is as fun as a wedding and very few life experiences can alter your life in such a meaningful way.

I’ve written a few posts on love and relationships but I don’t think I need to remind anyone that there is a financial consequence to marriage.   In fact, I think most of us consider FIRST the tangible benefits of being with a partner more than the intangible aspects like character, honesty, integrity etc.

A perfect relationship is a balance of the two. A perfect compromise of tangible and intangible benefits. I’m going to talk about the financial pitfalls and benefits that come from marriage.  In this post, I’ve discussed some of the more intangible benefits.  Sometimes money and relationships can mix like oil and water.

Benefits:

1. Sharing expenses in a relationship and couple finances:

Definitely something couples discuss when moving in together but when married you need to take it to the next level. It goes beyond utilities, rent and groceries. It’s time to talk about retirement and spending habits, saving and buying a house.

Two people are better than one in this type of division.

To give you an example, imagine this scenario:

Jim lives on his own, he rents a $1400 one bedroom right outside of NYC. He has one car. He pays $300 between payments and insurance. Groceries cost him about $200 a month but he orders out a lot so it adds up to an additional $200. His utilities for electric and internet cable are $150. On the weekends, he likes going out to dinner/drinks with friends. His entertainment spends are around $300-$400 a month.

Jim works as a IT tech earning 75K annually or $6250 monthly. After taxes he brings home $4275.

Take home income

$4275

Minus

Expenses

-$1400 apartment

-$300 Car

-$400 Food

-$150 Utilities

-$400 entertainment

-$600 Misc.

Net savings to go toward personal savings, 401K and Medical savings accounts.

$1175

*This is a very simplified budget but you get the picture.

Now let’s look at Jane and Sam.

They are newly married. Jane works as a teacher and makes 40K. Sam works in construction and makes 60K between hourly and overtime. They live in the same apartment building as Jim and pay 1400 for rent. Actually their spending is almost identical. They spend 600 on food, share a car for $400, $150 on utilities and spend 600 on entertainment and $600 on misc.

Together they bring in $8333, after taxes it’s an estimated $5,833.

Take home pay

$5833

Expenses

-$1400 apartment

-$400 Car

-$600 Food

-$150 Utilities

-$600 entertainment

-$600 Misc.

Net Savings for personal savings, retirement and medical savings:

$2083 or $1041 per person.

The point of this example is that even though Jane and Sam both make less then Jim, their still able to save roughly at the same rate each because they are pooling together for their major expenses and budgeting as a couple.  This is one of the best financial things to consider when either moving in or marrying.  The couples budget is everything and couples who are able to leverage their joint spending will come out on top in the long run.

2. Sharing Manpower.

They say two people are better than one.  And I would say that when it comes to domestic tasks, couples find that they are able to get more free time by splitting it up.

I’m not sure this is the biggest financial benefit to being married but it can definitely pinch a few pennies and save a lot of hours.  Having an extra pair of hands  for 1) laundry, 2) clean, 4) grocery shop, 5) cook meals for the week, 6) bargain shop can add up to a lot of savings.

A single person only has so many hours available them, they have to either do these tasks themselves and lose some free time or pay a 3rd party to handle these tasks like a housekeeper, or eating out/ordering in, wash/fold services, and food delivery like FreshDirect.  They can either keep their free time to themselves to do other endeavors or pay for these conveniences.

3. Spousal Employment Benefits.

One of the biggest is insurance.  You can’t really quantify how important insurance is until you don’t have a job that offers it to you.  Then you’re either paying hundreds out of pocket just to get simple blood work done or you’re paying $500+ premium for a private insurance for married couples that still has a large deductible or copay.

One benefit of being married is that health insurance for married couples is generally cheaper than paying health insurance for two single people.

Being able to add a spouse to your work insurance is amazing and something only allowed for immediate family members/dependents by most insurance carriers.

For K and I, we’ve always had insurance that covered us through work.  But there was this one year that we had to go without and that was the sketchiest year I ever went through.  We never went to see the doctor because it was too expensive and we prayed neither of us were ever involved in an accident because how could we ever pay?

My job also has some married life insurance benefits that if I die, K get’s X amount and if K dies I can get X amount.  It’s comforting to know that we’ll have some fall back if (God Forbid) either of us ever pass away.

Pittfalls

1) Spending habits

Sometimes people can get so caught up in the love and the connection they have for the other person, that looking at habits like spending can seem like a non-issue.

You might look at someone who never seems to wear the same piece of clothing twice and never wonder how they can afford to such a large wardrobe.

You might see someone drive an Audi and not realize that their car payments are near $500 a month and it’s a squeeze with all their other expenses.

It’s not until YOUR money is commingled with your partner’s that you start to realize how small spending habits can add up to big expenditures.

For a long time my husband liked to play poker with his friends. He became so good his friends stopped playing with him. It was always, “maybe next time.” They were scared to lose money to him.  Eventually he joined some poker clubs in the city and played there once or twice a year. Then he found some casinos near us that offered poker comps and he would go occasionally there too. He loved the game of poker but it was bleeding us $500-$1000 every time he lost.

Thankfully he doesn’t play anymore, we had a pretty serious conversation about his gambling and now I have complete control over the cash. But it just goes to show how a small insignificant habit can turn into a ravenous expense.

The same story could be told with shopping addicts or forever entrepreneurs who can never seem to get their business off the ground.

The solution is to think long range about how your finances with your partner would work and weeding out financially incompatible partners out. In my case, I nipped out early what was potentially a serious gambling addiction.

I would recommend financial planning for couples before getting married.  Sometimes when things feel out of control, it’s great to consider a financial planner for financial help with married couples.

Expensive Wedding and Even More Expensive Divorces

“My husband and I, fight over money.”

People spend an average of $27,000 on a wedding.  Those are pretty expensive parties.  I don’t have anything against big fancy parties to celebrate the joining of a couple but when we start to look at divorce rates, those big weddings start to look like a waste.  It’s estimated that nearly 40%-50% of marriages end in divorce.  According to an article written by CNN, couples that spent more than $20K had a divorce rate of 1.6X more than those who spent only $5K-$10K.

In some ways marriage is a crapshoot, you can never know if some devastating skeleton is going to come out of your partner’s closet and change your whole relationship with them.

It’s when you consider that the average divorce costs $15K, marriages have a risk of being a financial hole once everything is said and done.

Then Add Children and Divorce

If your divorce included children, then there will likely be one party that pays child support.  There will still be an increase in housing costs because the divorced couple will need separate places for themselves and for their children.

It can be very costly and difficult to manage your time and finances when expenses increase and resources are nearly cut in half.

Unfortunately in some cases, divorce is the only option for two people who turn out to be incompatible to stay sane and happy.  But children can definitely make divorce messier and more expensive.

I’m not writing this section to make children sound like a burden but for the most part, nobody has children to make a profit.  They have children for the generational and personal wealth that it bring to a family.  We grow our family to keep tradition and create memories.

Nothing brings a family together like children, but nothing makes it harder to separate and divorce cheaply than children.


 

I would say marriage comes with a lot of different types of benefits but something we should never take our eye off of is the financial outcomes that can result from saying “I Do.”  Ignoring that important fact can lead to marriage troubles over money.

On the other hand, marriage can be a blessing that can pay itself back in ways that can’t even be accounted for.  For many, the risk is worth taking.

I hope you read this with hope in your heart and practicality in your mind.

Feel free to read my other relationship posts:

The Biggest Red Flags In A Relationship

Why Dating Culture Doesn’t Work Towards Marriage

Dear Single Friends, This Is Why You Are Still Single. Love, Your Married Friend.

I Can’t Afford To Retire: Essential Tips On Filling The Gap

AdobeStock_192798999.jpeg

I was on Reddit r/PersonalFinance last week, I was just browsing when I came across this  quote:

“There’s no insurance, no loans for retirement.”

If you’re short on cash to retire, well then you’re just SOL.  Straight up, prepare to be homeless if you don’t have family to help you out or are unable to continue working through your 60s and 70s.  It’s a rude awakening for so many of our elderly population.  I see older homeless people all the time and I wonder, “Why???”

When I think of my own retirement, I think about living in Florida, poolside somewhere in some assisted living luxury community.  I don’t think about the reality of just trying to keep my food costs down so I can pay the taxes on my house and not end up homeless.

The truth is that so many American families are living hand to mouth, check to check, that they are forced to decide between eating and saving for the future.  Where is the extra disposable income they can put in their 401K or IRA?

Here are some things to consider when trying to build a retirement fund.

Social Security Will Not Be There:

There are still some people holding on to the idea that Social Security will be enough. STOP IT.  There is not enough social security.  It is a Ponzi scheme.  And to be honest, to be a real conspiracist, Social Security’s main role is no longer to provide financial support for the elderly and other people unable to provide for themselves.  I mean, maybe that was never the purpose.  Social Security and their designated numbers are a means to track you for tax collection purpose.

I work with many elderly people to get them apartments and when I see their social security statements, I can’t even consider that income for the purpose of qualifying them for the apartments.  It’s a pitiful amount.

The other day my client Jenn had 1.4M between annuities, 401K and other investments.  She was sharp, I could tell she had been working her whole life.  She was earning $819 dollars a month from Social Security!  Try living in NYC with $819 a month, you wouldn’t last a week!  This is someone who probably paid into Social Security $100K+ over her lifetime and now when its time to collect she’s getting $819 a month? Something isn’t adding up…

Start Early.

Everyone tells you this but OMG this is the best and greatest financial advice anyone can give you.  At 18, nobody’s really thinking about their retirement.  They’re thinking about the future, “what career path will I choose, what will I major in at school?” But even putting $100 a month towards your retirement is a HUGE jump start.

I played around with a retirement calculator and here’s what I found:

When I was 18, I was working a shit job selling pretzels at Auntie Annes, working minimum wage.  I was lucky if I earned as little as 600-700 a month in pocket money.  If I started putting $100 a month into an IRA or 401K from the age of 18- 67,  I would have roughly $500K saved by the time I’m ready to retire.  And that’s ASSUMING, I don’t increase my contributions as my earnings increase over the years.  Not enough to retire.  But not a bad figure to start with.

Now let’s consider someone a little older:

Life got me good and I had all these expenses, children, a mortgage, an expensive marriage, an even more expensive divorce.  I wasn’t able to get it together until I’m 40 to start saving for retirement.  I would have to contribute $500 a month at the age of 40-67 in order to have roughly $500K saved by the time I’m ready to retire.  But that’s still not enough to retire with and at 40, time is no longer on my side.  I’ll need to double down and make monthly payments of $1100.  That’s the only way I can save enough so I have at least 1M available when I want to retire at 67.  I still don’t think that’s enough to retire on but you can work with that.

Moral of the story: If you’re able to start young (most people can) and save a modicum amount, you are still in a much better position than someone who is older and needs to play catch up.  Compound interest is a bitch like that.

Get a Side Hustle:

Money doesn’t grow on trees.  If you don’t have the money now to set aside for retirement, when will you?

“If you always do what you did, you’ll always get what you got.”

In this type of scenario, somethings gotta give.  You’ll need an additional source of income.  A lot of people reading this now are going to start shaking their heads thinking, “I don’t have money and I don’t have time.”

Well, make time because old age don’t feel so good when you’re broke.  The time to make a move is when you’re young and capable.  It might be hard, it might be challenging but side money is the kind of money you can put ASIDE for retirement.

Here are some ideas on low cost ways to make money:

  • Uber- Drive and get paid.  You already have your own car so thats already taken care of.  Keep track to mileage, maintenance and gas costs.  Hustle for tips.
  • Work a 2nd job.  Any job.  Work at the McDonalds across the street.  Let your kids hang in the seating area quietly if there’s no one to watch them.  Don’t worry if you get fired, it’s only a side job, so speak up for what you need and hustle until it works  for you.
  • Blog and Youtube- this is actually a very long process to build income off of.  I would only recommend this if you have the time and the means to do this.

Mortgage vs Retirement vs Kids College

The truth that none of the other retirement gurus really are able to touch on is that  99% of us will only be able to makes so much money in our life time.  Most of us are on a fixed income of salary and paying off fixed expenses.

A lot of us are still paying off student loans, we have mortgages, car payments, insurance costs and the list goes on and on.  This is just a reality for most Americans.  There might be some left over to save, but is it enough?

Probably not.

In this case it’s important to prioritize the most important needs first.

Mortgage- when deciding to buy a house, there are so many factors to consider. I’m not going to go into buying vs renting, that’s for another post, but here are my top tips on how to make sure the mortgage burden does not overtake the other financial responsibilities.

  • Live in the cheapest, smallest apartment you can comfortably manage. Of course you wanted the nicer and bigger house in the better neighborhood but you need to really consider your reasons for wanting that home.  Is it ego?  Is it an expectation you had for yourself?  Is it maintaining the lifestyle you had as a child?  It’s time to reconsider and evaluate your expectations. Times have changed, money don’t flow like it used to.
  • Only consider a more expensive neighborhood if it means a better school district for your children.  And even then, consider a cheaper neighborhood with the option of a good private school.  Compare the costs.
  • Small is good.  You can dress up small.  Trust me, I’m a real estate agent in Manhattan.  There’s no such thing as too small.  I’ve actually seen some charming 400sqft studios!  But more importantly, small is cheap.  You don’t need the extra bathroom, it’s just more space to clean.

Retirement: As I discussed earlier in my post, retirement is the main priority.  Make it so. Focus on maintaining a retirement fund that will at least allow you to maintain the same quality of life you’re used to.

Kids College: As someone who had to spend 12+ years paying student loans, I don’t think I want my children burdened with that same issue.  At the same time, I don’t think it would be fair for me to burden my children with my living costs if I don’t have adequate retirement funds.  Paying for the kids colleges is the least important financial concern you should have. It’s nice if you can afford it but the kids can take out student loans or go to community colleges, there’s no loan for retirement.

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To cut to the chase retirement is something we need to think about NOW.  Pensions and social security are out the window. They can be considered supplements but not a fall back.  Make efforts to educate yourself on what you need to do to meet your financial goals.

Wishing you the best of luck!

Check out my other posts:

Flashpass to Retirement: FiRE and LeanFiRe Strategies

Why I Budget and How to Budget: Personal Finance In A Nutshell

Motivational Book Club: The Total Money Makeover by Dave Ramsey

 

Hello World :) September Statistics

I’ve gotten through my 5th month blogging! I also have some exciting news!

Let’s talk about the blog first, every month has been great so far in terms of traffic.  Views and visitor-ship keeps going up and up!  This month was actually my highest likes ever in a month +40!

I do have some really great news though!   I’M PREGNANT!  I found out 2 months ago.  And this pregnancy has been really kicking my ASS, it’s been hard for me to post and I know I committed to 2X a week but for Sept I don’t think I did too bad.  I only missed 1 post in the past month.  I’m committed to making this blog work so please bear with me if I miss a post.

Speaking of posts, September I did a poll on what types of posts are most popular with you readers.  Was it my motivational posts, career posts, lifestyle posts, relationship posts, or book reviews?  Surprisingly, lifestyle posts won, in second place was career posts, and last was motivational posts.  I’m not really sure what kind off lifestyle posts people are looking for, I’m still working out the types of stuff people are interested in.

If you haven’t had a chance to vote, please do so below.  I literally only had 6 votes from last week so not sure how reliable the information is, so please vote.

This upcoming month I plan on making some changes including adding a page that has the table of contents for the EVERY SINGLE POST I’ve done so far.  And that’s about 60 posts!

I did play around with the website layout a little bit.  I took away the Services tab because I thought I was going to include my services in posts, but then I realized I’d rather have the tab for those really interested instead of spamming everyone.  I also took away the popup subscription form for a while.  I wasn’t happy with the way that one looked.  I was able to syndicate with Mailchimp and create a nicer, more efficient one that is easy to close if you choose not to join.

This month I’ve increased to 50 new WordPress followers, 332 Medium followers, 10 email subscribers, 41 likes on my Facebook Page, and 17 Quora Followers.   I haven’t really been promoting outside of Facebook and a little bit on Medium, keeping up with my posts have been more of a priority.

So where am I?

Sept

Well, I ended the month with 1390 views which was 70+ more views than last month.  I was trying to figure out where I gained views.  To be honest, I had 35+ search engine searches leading to my page, which was a nice bump from last month.  I think my investment into Pinterest and Facebook has really helped, that I’ve been promoting myself very heavily there.

But the fact is that the quality and loyalty of my readership already says that this blog is on the right track, as long as you guys keep reading and sharing my work, there’s opportunity for me to take this full time and make this better.

So I’m asking you, all you readers if you enjoy this blog, please become a Patron through Patreon.  You can donate as little as $1.  But it would mean so much for me and help me support this blog and keep it going!

The Top Five Articles For This Month Were:

  1. What is Love?
  2. Why Dating Culture Doesn’t Work Towards Marriage
  3. My Best Friend Ghosted Me
  4. The Biggest Red Flags In A Relationship
  5. Dating in Your 30s vs Dating in Your 20s

Sept views

My viewership is still mainly US (where I’m from) but surprisingly I was popular with Australia with a whopping 20 views.  Canada (our close cousin) was 3rd, and then India and UK.  I just wanted to say high to you guys and thanks for reading.  I’m glad that my writing can relate to people in other countries.

Feel free to reach out to me here or comment below!

I’m interested to hear from you.

Read the rest of the series and see how far I’ve come!

Hello World 🙂 May Statistics

Hello World 🙂 June ’18 Statistics

Hello World 🙂 July Statistics!

Hello World 🙂 August Statistics!

Please like, share and follow!

 

 

The Biggest Red Flags In A Relationship

Sad couple having conflict and relationship problems

Have you ever found yourself in a relationship with someone who checked all the boxes you were looking for, but after a few weeks together you start getting uneasy feelings about them? Like something isn’t right…

It’s actually fairly common for people to stay in relationships WAYY longer than they should. If you’re someone looking for true love, avoid wasting time with duds by keeping an eye out for these red flags. This advice should be taken with some intuition and a pinch of salt, exhibiting one of these signs does not mean the relationship is unsalvageable. But a LOT of these signs is a good reason to run and cut things off without a second glance.

Compulsive Lying

We all tell white lies once in a while and it’s not uncommon for people to tell each other what they think the other person wants to hear. But what we need to keep an eye out for is consistent lying, dishonesty, and falsehoods. One lie could easily be the start of larger lies or omissions.

To be honest my husband used to lie compulsively. About little things and nothing at all. He would just give me an answer he thought would be the easiest to digest. I always caught his lie and called him out on it. We’ve fought over these useless lies too. “If you can’t even be honest about a small thing, how can I trust you to be honest about bigger things.” He realized I had a point. He really doesn’t lie anymore and we’ve found his triggers and have dealt with them for the most part.

Doesn’t want to introduce you to family or meet your friends

This happens a lot in couples that are not fully committed like friends with benefits or f*ck buddies. Sometimes this happens in regular committed relationships too. If your partner isn’t able to let you hang with family or friends, consider this a red flag. Something to keep an eye out.

Partners who are committed to long-term prospects are more likely to want to meet friends and family. Getting to know you’re inner circle can give them insight into your background, how you were raised and your interests.

Gas lighting

When two people argue it can be hard to keep emotions straight or even keep to the facts but gas lighting is more insidious than occasionally bending the truth to your argument.

Gaslighting is the intentional misrepresentation or recollection of facts to make the other party feel like they are in the wrong. And doing this consistently.

Example:

“Mark, were you able to pick up my prescriptions?”

“Sally, we talked about this. You’re supposed to pick up your prescription every Friday after you go for your appointment.”

“I know we talked about running errands before that appointment but I don’t remember discussing the prescription. You had mentioned you would pick it up nearly 2 weeks ago”

“This isn’t the first time you’ve forgotten something, remember last week we talked about meeting for lunch and you totally stood me up! I don’t know how I can keep being your babysitter.”

“I’m sorry Mark, I swear I thought the time you said was an hour later. I would have met you on time.”

This systematic changing of facts to put you in the wrong is TOXIC. It requires social knowledge of the types of things you won’t remember and a manipulation of truths. This is probably the one red flag that if you see it happening, you should run without second thought. When gaslighting is done, it’s done purposely.

Nitpicking

It’s ok to have things that you like done a certain way. It’s ok to occasionally critique your partner for things that you want done in a specific way.

What’s not ok is when someone is trying to change everything you do and say into their “correct” vision of how people should act.  This kind of behavior is common in control freaks, type A personalities, and perfectionists.

They might correct how you behave, do things, speak, dress, etc.  We’ve all met that type of person:

MIB

Comic courtesy of MarriageIsBliss

Inconsistent or hot/cold

So many people are just so inconsistent or unreliable.  I think this speaks for itself in dating life.  I used to wonder why people who were inconsistent or cold would treat me that way.  It used to be a problem with me that I felt I needed to resolve.  But really it’s not an issue with me, it’s an issue with THEM.

Someone who plays the hot and cold game is just showing you how unimportant you are in their scheme of things.  It has a lot to do with their own ego and narcissism. Stay Away.

Selfish with time

People who are selfish with how they spend their time are also solipsistic, they see the world as existing from only their perspective.  These are people who won’t meet you for a date unless it’s close to them, or will only call you if their weekend is barren.  They’ll make you just through hoops just to plan a date out.

“It has to be between this time and this time.  Before I have this appointment and then after I’ll be meeting up with some friends I haven’t seen in 5 years.  Let’s meet up at this location because it’s close to the two places I have to be.  I can’t wait for our date!

Not gonna lie, my older sister is kind of like this.  She tends to prioritize her needs over the needs of others. If she’s visiting home, one of my parents will have to drop what their doing to pick her up from the train station and again to drop her off when she leaves.  Even though she’s a doctor and could easily afford a $10 Uber or cab ride.

My parents threw her a birthday party and she didn’t even help set up or clean up! She was too busy with her own appointments and catching up with friends.  Not cool! Red flag!

Doesn’t like your family

This isn’t obvious, especially when you’re young but if your partner has a big problem with your family, then it’s time to reconsider the strength of your relationship.

As relationships grow more serious both families will eventually become more involved in supporting you.  K and I, we’re both are close with our families.  Over the years our siblings and especially our parents have helped us and supported us.  If he or I were unable to get along with each others parents or siblings, I don’t know how our relationship could have worked.

Family drama can be avoided by choosing partners that are compatible with, not only you, but your family too.

Of course this red flag should be taken with a pinch of salt. Not everyone is super close with their family so I would imagine this wouldn’t pose such a problem with them.

Keeps in touch with exes or has lots of girls who are friends 

This is a huge red flag.  A lot of people miss this and think, naively, that these relationships are platonic.

There are very few friendships between opposite heterosexual genders that come without strings attached.  You might disagree with this and think that your friendship is the exception, maybe it is, but most likely it’s not.

It’s even more of a red flag when there are multiple women who are in your partners life that were past love interests.

The past is in the past! Why keep them around?

In my honest experience, men and women who are keeping “friends” around, are generally keeping backup options who will fill your place once your relationship ends.  I’ve never found it to be a healthy dynamic and would generally say to watch out for people like this.  What seems innocent, can easily not be.

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That’s my list! Let me know your thoughts and own experiences with red flags you’ve found in your life.

Feel free to comment, like, share and follow!

Other Posts:

What is Love?

Dating in Your 30s vs Dating In Your 20s

Why Dating Culture Doesn’t Work Towards Marriage

20 Shocking Sales Stats That Will Change How You Sell

Businessman talking on cell phone and writing in office

I came across this post years ago on LinkedIn. I found that it really helped me to get a sense of where I was going and how I could make better sales. This was definitely something I needed during my brokering years, when I was only making commissions as my source of income.

Those were the good old days.  Nothing makes you a better sales person than when you’re forced to sell or not eat.  It’s a hard knock life out there and honestly most jobs require that you know how to sell, at least in some capacity.  The key is to be persistent, use follow-up, be creative and use all avenues to generate income.

So whether you are a novice, or are a seasoned sales person, this is a good cheat sheet to help you keep your priorities in line.

I’m leaving the link at the bottom, but here it is summed up:

  • 92% of all customer interactions happen over the phone.
    • Yes, making phone calls is probably the best and most efficient way to get new business.  I make an effort to call all my clients.
    • If I have bad news or if I have something urgent, I’ll make sure to do it over the phone.
    • I’m not sure if this includes text messages, but I’ve found text messages to be highly efficient for an immediate response.
  • It takes an average of 8 cold call attempts to reach a prospect.
    • Follow up, follow-up, follow up.
    • I take it a step further and follow-up via text, phone and email.
    • If someone isn’t ready to buy now, I always ask, “when will you foresee that you’ll be ready.”  I don’t let people go without a timeline of when to call next.
  • The best time to cold call is between 4:00 and 5:00 pm.
    • I personally find, 5:00pm-7:00pm is also pretty productive.  People are done with work or are finishing up and are more likely available to take calls.
  • 35-50% of sales go to the vendor that responds first
    • OMG, yes! This is probably the most annoying thing about sales.  When people are shopping to buy something, it’s usually very urgent, so they call everyone who sells what they’re looking for.  Being the first person contacted and responding WILL help your closing ratio.
    • My issue is that you always have to be available to cater to clients that need immediate attention.  Don’t forget about work-life balance.
  • 80% of sales require 5 follow-up calls after the meeting 44% of sales reps give up after 1 follow up.
    • If you were able to get a meeting, you should be able to do 5 follow ups minimum.  The effort to get a meeting is hard enough, quitting after 1 followup makes the meeting wasteful.
  • Thursday is the best day to prospect, Wednesday is the second best day.

 

  • Nearly 13% of all the jobs in the U.S are full-time sales positions.
    • Pretty much all the work I’ve ever done has been sales. Perfume sales, product sales, real estate sales.  Sales isn’t for the faint of heart.
  • Over one trillion dollars are spent annually on sales forces.

 

  • In a typical firm with 100-500 employees, an average of 7 people are involved in most buying decisions

 

  • 78% of salespeople using social media outsell their peers.

 

  • Email is almost 40X better at acquiring new customers than Facebook and Twitter.
    • Email is king in terms of converting sales.
    • Don’t forget the power of an email newsletter or subscription list.  I’ve gotten some really great clients from my subscription list.
    • Just remember you need a large email list before you can see it work its magic.  I think I had 1000 emails before I started getting people reaching out from the list.
  • Salespeople who actively seek out and exploit referrals earn 4 to 5 times more than those who don’t.
    • Hell, some of my best opportunities have been from referrals.
    • Don’t underestimate the power of “word of mouth”
  • 91% of customers say they’d give referrals.  Only 11% of sales people ask for referrals.
    • Referral clients are king!  It’s a free way to grow your business, I say why not!\
  • Only 13% of customers believe a sales person can understand their needs.
    • The client always thinks they know better. It’s our job to manage expectations and explain what we are selling.
  • 55% of the people making their living in sales don’t have the right skills to be successful
    • A lot of people do it part-time!  A lot of people don’t treat it like a job or assume they have the right personality.  You have to learn the skills first!
  • Continuous training gives 50% higher net sales per employee

 

  • The average company spending $10K-$15K hiring an individual and only $2K a year in sales training

 

  • It takes 10 months or more for a new sales rep to be fully productive.
    • So don’t change companies every time you go through a downturn, it just hinders you from being productive.  You need to work through it and find out how to make your business work for you.
  • Retaining current customers is 6-7X less costly than acquiring new ones.
    • Maybe you’re current customers are needy and time-consuming.  Giving them up, would mean putting 6-7X more effort to finding new ones.  Stay the course!
  • The average company loses between 10% and $30% of its customers each year.
    • Losing customers is normal.  That’s why it’s important to keep building your customer base through different avenues.
  • After a presentation, 63% of attendees remember stories. Only 5% remember statistics.

Here’s the link to the original website I found.  The general gist is that you have to be persistent as hell when you’re in sales.  Your sole job is to sell people products or services that they need or might not even realize they need yet.

Happy Selling!

Feel free to like, share and comment if you felt like this post was useful.

Please subscribe!

Check out my other posts:

My Favorite Motivational

Top Lessons I learned In Business & As A

Organize Your Mind: How To Be More Productive With Your Day