Is your job costing you too much money?

CareerBuilder.co.uk

When you're considering a job offer, you can't help but factor in salary. Money matters unless you've got a sizeable nest egg that lets you spend without care. That is not the case for most workers.

Instead, you have to consider the cost of your rent or mortgage, student loans, monthly bills, food and other expenses. A dream job can quickly lose its glimmer when you realise it doesn't pay nearly enough to survive.

But do you continue to examine your expenses once you've accepted the job? If you're strapped for cash on a regular basis, have you resigned yourself to thinking you need to earn more? Well, until that happens, you might want to examine what your job is costing you, not paying you. Many workers forget the indirect expenses of work, such as wardrobe, transportation and food. If you can cut down or make alternate arrangements, you might be able to boost your bank account even without a pay raise.

Here are six ways your job might be costing you:

1. Clothing and dry cleaning
Whether you wear suits or jeans, clothes cost money and you have to replace your work attire regularly. If you have to wear dress clothes, the up-front cost is already steep, but then you're stuck taking them to the cleaners every week. Or you have to buy enough clothes to go to the cleaners less frequently. Either way, you're stuck shelling out cash.

2. Transportation
To get from your home to your workplace probably costs you money in some form. (If you can walk to work or work from home, you're lucky and saving money.) Public transportation is usually cheaper than driving, but it often takes longer, so it costs you time.
But if you're driving, don't just look at the price of petrol, which definitely puts a dent in your pocket. The back-and-forth of everyday commutes puts more miles on your car, which translates into more maintenance and eventually a need to replace the car sooner than if you worked close to home. And if you have to pay tolls, that's yet another expense to consider.

3. Food
One of the easiest ways to save money during the week is to pack your lunch. Unfortunately, life often interrupts the best laid plans and you end up going out for lunch, which means you spend a few quid here, a few quid there, and by the end of the week you've spent 50 pounds on lunches alone. For many workers, job-related activities take up more than 40 hours each week. From the time you leave in the morning to the time you return home, you might have been gone for 12 hours, and that means you probably don't have time or energy to cook tea. Therefore you'll be picking up food on the way home.

4. Child care
If you have children, you know how expensive it is. The cost of child care depends on many factors, such as the child's age and how long the care is for, but it's never cheap. Several studies have shown that many working parents spend a majority of their paycheques on child care, and sometimes parents who work part-time end up losing money. Unless you have an onsite daycare that saves you money or can arrange a more affordable deal with a friend or relative to care for your child, this expense is one you can't avoid.

5. Housekeeping
OK, housekeeping is considered a luxury by many people, and that's fair. However, if your job takes up so much of your time between hours worked and the commute that you're gone 75 hours each week, you're not left with much free time. Therefore, you might feel inclined to have someone clean your house while you're working so you can enjoy yourself when you get home. A job that takes up less of your time would allow you to do chores without feeling like you're wasting your few hours of freedom.

6. Mobile phone and entertainment
If you have to use your mobile for work, hopefully your company covers the cost. Not all companies do, however, and employees are stuck paying for expensive smart phones out of their own pockets because they're expected to be on call every day. They need to be able to access e-mail and send documents at a moment's notice, and these phones and their service plans are expensive.
Some jobs also involve entertaining clients. Again, many companies provide expense accounts, but not all of them do. If you get stuck taking clients to lunch or drinks on a regular basis, that cost adds up, especially if you're driving them around yourself. Just be certain that you're earning more from their business than you're spending.

Unemployment rates drop due to emigration

THE NUMBER of people claiming unemployment benefits has fallen for the second month running.
According to the latest Central Statistics Office data, there were 439,200 people on the seasonally adjusted Live Register in February, down 1,700 on the previous month.
Despite the decline in claimants, the standardised rate of unemployment remained unchanged at 13.5 per cent, just below the high of 13.6 per cent recorded last year.
The relatively small monthly drop in February was comprised of a decrease of 2,000 men and an increase of 300 women, and follows a drop of 5,800 in January.

The number of Irish on the Live Register has increased by almost 9,500 (2.7 per cent) in the year to February, but the number of non-Irish fell by 2,104 (-2.6 per cent).
Ulster Bank economist Simon Barry said while the fall in claimants reflected the impact of outward migratory flows, it was also consistent with the export-led expansion in manufacturing.

Reported by Irish Times

Dont be a statistic of the recession by finding a second income or for alot of people these days,an actual income

Please leave your comments if you or someone you know has been affected by emigration
 

Budget 2011

The Budget 2011 contains a number of reforms which are likely to affect people at all levels of society. 

These are just a few of  the key proposals unveiled by Finance Minister Brian Lenihan are:

• Social welfare payments are to be cut by 4%.
•  A cut of 10 euro a month in child benefit for the first & second child and an additional cut of 10 euro for a third child.
•  An increase in the excise duty on petrol by 4 cent and diesel by 2 cent by midnight,although alcohol and cigarettes are untouched until next year.
•  A 4% cut in all public sector pensions above 12,000 euro a year.
•  A 10% lower starting rate for new employees in the public sector, including judges.
•  Reform of state cars with former Taoisigh and Presidents given a pooled system with the number of garda drivers cut.
•  Immediate reform of stamp duty to standard 1%
• One of the jets,The Gulf Stream Government jet, which is at the end of its life span, will not be replaced.

You may remember last year Brian Lenihan told us we had turned the corner,well i suppose in a way we did and ran into a brick wall.I wonder what is around the corner we are currently turning??

Everyone is going to have to pay more,unfortunately some are already at breaking point and cant afford these charges.

It is now time to find another way of replacing that lost income 

Part time Job

I can show you how to replace your lost income

The Recession Is Over

Leading economist issues warning over recovery

Wealth Warning

Tuesday June 29 2010

The recession is technically over but it won't make any difference for most people until at least next year, a leading economist said today.

An expected announcement tomorrow that Ireland's economy has officially turned a corner was denounced by Friends First chief economist Jim Power as a statistical illusion.

Figures to be released by the Central Statistics Office (CSO) showing economic improvement in the first three months of the year are skewed by surging sales in the chemical and pharmaceutical industries, he claimed.

Mr Power said in reality joblessness would continue to get worse, thousands of businesses would still struggle for survival, new taxes would be brought in and the cost of living still needed to be slashed.

"The bottom line is, to generate economic activity that will result in meaningful job creation and improvements in tax revenues, you are going to have to see a recovery in consumer spending and in business investment spending," he said.

"I have to say I don't see either of those conditions until 2011 at the earliest.

"So I think the economic recovery story is more illusory than real."

In his quarterly outlook, Mr Power predicted the Government would be forced to bring in at least two more austerity Budgets as it battled to bring order to the public finances.

Despite a gradual improvement in the world economy, Ireland's struggles are made worse by increasing nervousness among international money markets about lending to countries they think might not be able to repay debts, he said.

In order to cut national borrowings as quickly as possible, the Government would inevitably introduce water charges - likely at a flat rate of around €175 per house because no water meters have been installed, he forecast.

While there was some recent "kite-flying" over a new property tax in December's Budget, he claimed it was more likely to be brought in next year once the public has been softened up for the levy.

Although the cost of living was continuing to drop there wasn't a large enough decrease in some consumer prices, Mr Power said. Food, clothing and footwear prices particularly should come down further in the near future.

Apart from small pockets around the country, demand for houses would remain low for the next three to four years and prices should fall by another 5pc this year - after a 7pc dip in the first six months, he predicted.

"Hopefully that will represent the bottoming out of the cycle and we will see some stabilisation in 2011," Mr Power added.

He said consumer confidence, which affects spending, remained low with a recent rebound in the retail industry mostly down to increased car sales.

Thousands of small and medium-sized businesses "are hanging on by a thread at the moment" because they can't get any credit from the banks.

Find out how to avoid this situation

Warning-Watch out for Facebook Virus

The emails tell recipients that the passwords on their Facebook accounts have been reset, urging them to click on an attachment to obtain new login credentials, according to anti-virus software maker McAfee Inc.

If the attachment is opened, it downloads several types of malicious software, including a program that steals passwords, McAfee said on Wednesday.

Hackers have long targeted Facebook users, sending them tainted messages via the social networking company's own internal email system. With this new attack, they are using regular Internet email to spread their malicious software.

A Facebook spokesman said the company could not comment on the specific case, but pointed to a status update the company posted on its web site earlier on Wednesday warning users about the spoofed email and advising users to delete the email and to warn their friends.

McAfee estimates that hackers sent out tens of millions of spam across Europe, the United States and Asia since the campaign began on Tuesday.

Dave Marcus, McAfee's director of malware research and communications, said that he expects the hackers will succeed in infecting millions of computers.

"With Facebook as your lure, you potentially have 400 million people that can click on the attachment. If you get 10 percent success, that's 40 million," he said.

The email's subject line says "Facebook password reset confirmation customer support," according to Marcus.

Reported by Reuteurs

This was reported about a week ago and i have just been emailed this virus,luckily i had read about it in time.Make sure you let all your friends know.

In the mean time,i am currently looking to expand my Home Shopping Business.Check out my website for more information about vacancies

Home Business Vacancies

Construction job numbers halved

Direct employment in the construction industry has decreased by 130,000 jobs since 2007, according to a new study.

Beat the Recession

The report, compiled by the construction consultancy firm Davis Langdon PKS (DLPKS), forecasts a further 40,000 jobs will be lost in the sector this year.

In their annual review of the sector, DLPKS predict that the Irish construction industry will see a decline of approximately 23 per cent in 2010.

From a high of €38 billion in 2007, the sector is predicted to have reduced in value to the region of €19 billion in 2009 and is expected to fall by a further €14 billion this year.

According to Davis Langdon PKS, direct construction employment totalled 260,000 in the second quarter of 2007 and is now at about 130,000.

Who do you know who may have been affected by this? Let them know there is an alternative

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Who is running the country???

Sargent resigns ministry over 'error of judgment'

Green Party junior minister Trevor Sargent has resigned following revelations of his representations to gardaí on behalf of a constituent facing prosecution on a public order charge.

In a brief statement to the House this evening, Mr Sargent said he accepted that "although my actions in contacting An Garda Síochána were not a criminal offence, under Section 6 of the Prosecutions of Offences Act 1974 such a communication could be deemed not lawful.

"In this regard I accept I made an error of judgement. Accordingly I hereby tender my resignation forthwith as Minister of State for Food and Horticulture."

The Irish Times

Yet another blunder in what is fast becoming a shambles.Can we really expect this Government to help our current situation when they keep making one error after another,and im certain there is plenty more to come.

Take matters into your own hands.

Start Making Money Now

Dont leave it to chance,dont leave it to the Government.