Money Management And Budgeting

retirement planning

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debtstinker

Joined: 03 Nov 2007
debtstinker's page
Posts: 303

101 Magic Points

Sat Dec 01, 2007 12:22 pm

D, you have the right idea...i think you have to prepare for your own future and not rely on any governmental program to protect or help you, if it's there great, but if not then you'll have your own money to fall back on and at your age, if at all possible, is a great time to begin saving. Good luck finding a position that helps you to establish a retirement account. they're out there, just finding them can be hard sometimes. have yout hought about human services? i have worked for two now, working for one (just got a job whooo hooo) and i love working for human services orgs. the reason I bring them up is that both agencies offer 403b plans since they're non profit. Now, with my current company I have to wait a year before investing but once my anniversary date is up not only do i start contributing my company does too up to 6%. while that doesn't sound like much I'll take whatever I can get! Smile

Dadummy

Joined: 15 Nov 2007
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Posts: 638

40 Magic Points

Sat Dec 01, 2007 1:42 pm

Congradulations on your new job, I hope you will still bless us with your presence, we would miss you if you totally deserted us.

You are right that every little bit counts. That 6 percent will grow if you stay with the company for a long period of time, hang in there. Is this long term employment?

On a side note, what will you be doing in your new job, starting a new job is always so exciting. Have you done the type of work before or are you venturing into something new? I am happy for you and hope that you will come back and keep us updated. goodluck, did you start yet?

goodnatured

Joined: 03 Nov 2007
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Posts: 2633

5016 Magic Points

Sat Dec 01, 2007 8:28 pm

Great job debtstinker, I hope your new job is all you dream it to be, I am absolutely positive that you will do a wonderful job. You sound like you genuinely care about people and that is good that you like to work in human service, that is exactly where you belong with your way of caring. I wish you all the luck in the world and hope that between work and baby you will still have time to pop in and participate with us every now and then. Congradulations and keep us posted on how things go.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

Dadummy

Joined: 15 Nov 2007
Dadummy's page
Posts: 638

40 Magic Points

Sun Dec 02, 2007 12:28 am

She will do a great job and come back and tell us all about it, right debtstinker, you know we will be anxious to hear all about it.

desiree15

Joined: 10 Nov 2007
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Posts: 42

1082 Magic Points

Sun Dec 02, 2007 2:32 am

Yeah debt... let us know!! Wink

getting a job can be very exciting. while i don't make much where I work now I ENJOY it and that's a big plus. before I was management and would have to put in hours after hours that weren't paid for and the salary wasn't good, lots of stress. so my company allowed me to take another job in another department, and i reall ylike it. great managers too and the employees seem happier. I like having set hours too where before my hours were so weird. I would be eating my dinner at like 10 pm!

debtstinker

Joined: 03 Nov 2007
debtstinker's page
Posts: 303

101 Magic Points

Sun Dec 02, 2007 2:49 am

Hi ladies, wow what a warm welcome tonight. Yes I LOVE my job so far and I really enjoy working with people, espeically with people who just need some help. Often they teach me valuable lessons about life that you just can't learn in the classroom. thanks good for the kind words, I do love people (most of the time lol Smile

I had my first day of orientation and just really enjoyed what i learned. I get to supervise people who go to homes in our county and help the elderly with every day tasks like grocery shopping and house cleaning. my people report their hours and any concerns they have to me. Lots to learn, lots of responsibility but i think i'll truly love it. I will be here quite a bit especially over the weekends and maybe at night. I do have to say that my little one is just now experiencing separation anxiety and I was proud of myself, i wasn't heart broken when he screamed when I left him. I have the attitude that he has to adjust that there other people in the world besides mommy and that his social development will be enhanced this way. very good situation for all involved. hugs everyone Smile

happy saturday
jeez d15 glad you have a better job in your company! eating that late would not agree with my tummy

goodnatured

Joined: 03 Nov 2007
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Posts: 2633

5016 Magic Points

Sun Dec 02, 2007 7:21 am

Well desi, that will take some getting used to that is for sure, I am sure you will do well there.

debtstinker, sounds like you are loving it already, good point about your toddler, it will help him socially if he is around other children too. Soon he won't even know you are missing and then that will bother you, LOL. It did me, when they first start looking forward to leaving you and going to a sitter. LOL. Don't take it personally, he will still want you when you come home in the evenings.
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Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

debtstinker

Joined: 03 Nov 2007
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Posts: 303

101 Magic Points

Tue Dec 04, 2007 1:53 am

Hey Good, I actually look forward to the day he llikes the sitter. actually he loves her it's the other kids he doesn't like. There for a while when he was about 9 months he just adored going because he found a playmate. well his playmate (the same age) found another playmate but they fight and the baby cries when he hears them fight. so right now i think he has negative connotations going there. today was much better.
Yes, am really loving my job so far. my supervisor is so patient and laid back but effective too. I met some of the people i'd be supervising and ALREADY had to sign of on time cards! wow, pressure but it was good my day went by so fast.

desiree15

Joined: 10 Nov 2007
desiree15's page
Posts: 42

1082 Magic Points

Tue Dec 04, 2007 2:04 am

Yeah good, it's an adjustment but a very good one. hey debt good job on getting employment, sounds like you really like it

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 2633

5016 Magic Points

Tue Dec 04, 2007 1:53 pm

She will do great, she sounds like a caring person that will be excellent for this type of work.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 2633

5016 Magic Points

Sat Dec 08, 2007 10:07 pm

Debtstinker, how is it going with your new job? did you say that you have a retirement plan there or that you have the opportunity to contribute after a certain amount of time, I was not real clear on that?

Hope all is well with you and that you are liking your new job and that it turns out to be your dream job, one that you will stay at for a long, long time.

Is there room for you to move up in this company? do you have the desire to move up. With the compassion you have it would be awesome if you could move up and manage so that people like you could be hired through out the company. Please let us know how you are doing? We are curious you know. Goodluck
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

SunDevilsFan

Joined: 09 Nov 2007
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Posts: 194
Location: Sunny Arizona

6604 Magic Points

Mon Dec 31, 2007 1:05 am

Well, if I understand the op question correctly... I wouldnt defer paying into my 401k until my employeer started kicking in some $$...

This is why:
You will make money from the interest you invest. If you dont invest, then no interest is paid.... Thus loss of money...

Just my .02 cents worth...

anthony

anthony

Joined: 31 Jul 2006
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Posts: 381

9628 Magic Points

Mon Dec 31, 2007 6:07 am

Well if we can pay a little more towards the 401(k) a lot easier would it be during the tax period coming year.
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Anthony..

A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.

fireyone

Joined: 26 Feb 2008
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Posts: 2029

10771 Magic Points

Wed Jul 30, 2008 12:38 pm

That is true because I am pretty sure you even get a tax credit for having a 401 k.

erb1953

Joined: 31 Dec 2007
erb1953's page
Posts: 587

1368 Magic Points

Thu Jul 31, 2008 9:54 am

You will get a tax credit for contributing to your 401k, it even comes up on the simplist of tax forms like the 1040, thats what I file and they ask that question, it should be on your W2 how much you contributed.

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