Work at Home Financial Guidance
Working at home can be a dream come true for many people. The kids have a parents home to deal with sick days, snow days, after school snacks, and attend school events. You have the freedom to set your own schedule and become your own boss and call your own shots. It’s empowering.
Most people who transition to a work at home position have set aside some funds for those light months that perhaps things did not go quite as expected. Most people also need a little work at home financial guidance. Work at home financial guidance can mean anything from sitting down your significant other or a trusted family member to lay out a solid financial plan to obtaining a good work at home accountant that can guide you through everything from basic household and home office expenses to preparing you for tax obligations.
“When Working At Home Approaches Disaster” Obtaining work at home financial guidance may very well help safeguard against a work at home financial disaster, but financial disasters can happen to people regardless of where they earn their paycheck. Work at home financial guidance does not guarantee that you will not find yourself facing a financial crisis, but it is a positive step in preparing for the worst while expecting the best.
Telecommuting Financial Hardship
Often the world of telecommuting can lead to telecommuting financial hardship. The nature of telecommuting can be somewhat volatile, even more so if you are just starting out and have to go through a difficult but necessary learning curve. Telecommuting financial hardship can happen because of things you can control, and things you can’t control. It is prudent that you be able to recognize the difference so you know how to respond without prematurely abandoning ship and without hanging on past the point of reasonable.
One of the greatest contributors to telecommuting financial hardship is time. You can’t control time, but you can control what you do with it. The kids, the spouse, the next door neighbors, and even the dog all want a slice of what appears to be your newly acquired free time. You yourself want to consider how you are now your own boss and you get to make your own rules, which can in some situations lead to dawdling away time or focusing too hard on situations that demand too much of your time and your paycheck is dwindling rapidly.
Telecommuting financial hardship can often be avoided by learning to maintain a scheduled work time in a fixed work place. If you and your significant other are arguing and you had a time clock to punch, there is little question that at a specific time the argument would need to be placed on hold while you got in your car and went to work. This rule needs to apply for your home office.
While of course you have the option of allowing yourself some flexibility, the more often you allow yourself to be distracted from “punching in” at your home office desk, the greater the likelihood becomes that you will find yourself facing telecommuting financial hardship. Discipline yourself or that is “When Working At Home Approaches Disaster”.
You will face issues that you can’t control, but you can control how you respond to them. For instance, there will be days that a car accident cuts the cable or your computer freaks out on you or the dog has a life or death emergency. Life happens while you are at work and life happens more obviously when you are trying to work in the middle of your home life. Distractions are inevitable and you are going to have to cope with them effectively in order to ward off telecommuting financial hardship.
Laptops can be a lifesaver, whether you simply need to side step a power outage or you need to disappear for awhile in order to get caught up without distractions. If a laptop is out of the question, there are cyber cafes that allow you to log onto the internet or even get into their word programs. A jump drive can be an invaluable tool, allowing you to copy all your necessary information and plug it into a different computer. Just keep in mine that cyber café computers are not nearly as secure as your home computer should be.
Speaking of security, the fastest way to experience telecommuting financial hardship is to operate your home computer without proper security. Your entire life is now attached to your home computer. This can include bank account information, social security numbers, credit card numbers, and other highly sensitive information. A virus on your computer can quite easily put you out of business, so bone up on the latest security and actually purchase the software (free downloads are not nearly as effective) to avoid an instantaneous telecommuting financial hardship. My significant other is a computer security specialist, and while it frustrates me that the updates that are occasionally installed are so secure that I can’t get into my own computer, I sleep well at night knowing that nobody else can either.
When Working at Home Fails
After experiencing the work at home lifestyle, few people will readily give it up to return to an office job, a desk job, or a factory job. However, a number of factors can influence work at home success or failure. Sometimes the work at home lifestyle is the culprit to work at home failure. Some people have a very difficult time adjusting to the work at home lifestyle and find themselves sinking into the realm of financial disaster at a frighteningly fast pace.
First, failure is not really failure. “When Working At Home Approaches Disaster” Often work at home failure can be seen coming from miles away while there is still time to correct the situation, whatever it may be. Most people adore their work at home lifestyle enough that they are willing to put in the really long hours and the hard effort and the nitty gritty work in order to prevent the disaster that is looming on the horizon.
Sometimes it can be a function of not really knowing how to fix the problem before it’s too late. Finding information directly from those who successfully live the work at home lifestyle can provide practical advice that works and is completely able to be implemented.
Picking up a job, whether part time or full time for awhile in order to address the issues does not mean that you have failed at the work at home lifestyle. Depending on what line of work you have chosen to bring home, the nature of the work itself can be unstable and unpredictable.
Sometimes people believe they are failing when they in fact are not. The work at home lifestyle may not provide you with a predictable and steady paycheck. You may very well be receiving smaller chunks of money, just a lot more often. Perhaps you need to ride out three dry weeks and then find several thousand dollars coming into your account at the end of the fourth week. The work at home lifestyle requires flexibility, and sometimes that means financial flexibility as well.
The work at home lifestyle has a lot of advantages and a few trade offs. You may want to thoroughly investigate these trade offs to understand the type of flexibility you are going to require and you adjust to the work at home lifestyle. Being well prepared can dramatically influence how you experience success in the work at home lifestyle.
If the work at home lifestyle is truly and dearly important to you, you can attain it. Sometimes it takes a few tries before you really have a solid and perpetually profitable income that you can rely on coming into the home. Being forced to step back and re-evaluate the work at home lifestyle and how you have gone about trying to make it your reality can just as easily teach you what you need to know to successfully attain the work at home lifestyle on your second attempt. You can only truly fail at the work at home lifestyle if you acquiesce to the notion that working at home can not be reasonably attained.
Help in Maximizing the Work at Home Lifestyle
Seeking out help in maximizing your potential to lead a productive, happy, and well balanced work at home lifestyle is not a sign of weakness, but a sign of a strong will and deep desire. There is ample help to be obtained when trying to salvage a work at home lifestyle that is in danger of collapsing.
One of the most comprehensive work at home websites for help, guidance, business plans or ideas is allworkathomeguide. For the individual who is seeking down to earth, accurate information, this website can be a life saver.
Finding resources like these before your work at home lifestyle is in jeopardy is highly recommended. Knowing what to prevent and knowing how to prevent it can go a very long way in securing you work at home lifestyle on a permanent basis.
Bobby Ryatt
http://www.articlesbase.com/careers-articles/when-working-at-home-approaches-disaster-101883.html
#1 by Elmbeard on August 13th, 2009
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When you’re sick of the whole job application process, what then?
Right, this is a long one. I have a big yellow box full to overflowing with job applications since I left college as a mature student at the age of 41. I loathe being unemployed, hate sitting on my own in the cottage, would much prefer to be out earning money and meeting people and making use of my talents instead of writing writing writing advice on Y!A.
After I left college, I was in the thick of court proceedings trying to win contact to see my children, where I was claiming Legal Aid. If I worked, then I would have had to pay it all back, with barristers at £500 per hour, expert witnesses and hours and hours of solicitor’s time. So I could not work until the final hearing. By then, there was a gap in my CV and nobody wanted me. Endless applications, interviews, building up hopes and persuading myself and them that there was nobody in the world better than me for their job. Then three weeks on, a letter saying they were very impressed with me and wishing me luck for the future. Over and over and over again. I did voluntary work with Riding for the Disabled. Anything to get out of the house for 3 years.
Then at last a temporary job inspecting toilets. Someone else had pulled out, and did I want it? I was there like a flash, and actually loved it. The attendants were such characters. But the boss was a woman who really preferred to work with women, so when the permanent job came up, they gave it to someone else.
6 months. Then a New Deal admin. assistant job. Filing clerk. One day they asked me – do I know anything about databases? They had a whole load of data on village halls and were fed up ploughing through it all every time someone had a query on the phone. Could I do an on-screen query screen. So I grabbed a book on Access from the library and taught myself. It was done by the time my 13 weeks were up. But a permanent job? No, a woman had applied for it, so they had to give it to her.
Only 2 months before I landed this job for a bathroom company fobbing off angry fitters who had not been paid, so that their payment could be delayed a few more weeks and help the company cash flow. They had a policy where they expected their staff not to take their annual leave and lose it at the end of the year. "Going the extra mile" it was called. It was the autumn of 2001, and air fares to the USA had never been cheaper, so I asked to take my holiday in November, during a lull in the work. In the end, they said I could go to America, but not come back. Most people were amazed I survived 6 months working for that company!
This did lead on quite quickly to a low-paid temping payroll job at a local hospital. Loved it. There were so many different sets of terms and conditions and working patterns to come to grips with, and within these were exceptions and complications, not to mention regradings, promotions, rule changes. It was like being in a football match where the ball stayed still and the pitch, the goalposts and the stand were moving around in all directions. And everything had to be spot on accurate. Came home with major headaches often, but at least everyone got paid! Because I was temping and they had already appointed women for the permanent position, it came to an end, but fortunately another temporary position materialised immediately sorting out inconsistencies in Government records for a Government department, which lasted until Christmas when they sacked all the casuals.
I did not want to go on the dole, preferably never again, so a good friend found me a job in his canal boat timeshare company, which I did off and on for two years. At the end of the second year, it was getting ridiculous sending me 100 miles at company expense to paint a boat when they could get someone locally to do it cheaper, so in the end I was laid off. So then, at the start of 2005, having to do these applications over and over again.
By then, my CV was in trouble. The boat job did nothing for my credibility in offices, and it was back to where I was when I left college, except that this time I was approaching 50. Each job in 2005 was a disaster. Taking on any temporary job, however dead-end, however useless, however badly-paid just to get my hand back in. The first temping job travelling over 20 miles to find nothing for me to do, and the boss saying by lunchtime I could go home without offering to pay for my petrol. They needed the help, but they were just not organised enough to get their papers in a state that I could be useful as an agency temp. The second was for a Government department where I had three weeks training in diversity and anti-discrimination and anti-bullying. But the manager was a 30-something woman who had a dislike for middle-aged men and put me in the far corner by the photocopier and spent most of her time with two other temporary staff half my age. One day I was told that my contract was terminated with immediate effect. When I queried why, it was suggested I was not picking things up fast enough compared to the others. The third was a school as a payroll officer. They had a payroll of 350, a turnover of 12 per month, two payroll systems (Sage and an awful thing on Word where you had to use the mouse continuously), and were demanding that working part-time 21 hours a week, I produced a fully accurate live monthly pay run in my first week. I told them I needed 5 days the first week to learn the ropes, understand their systems and the payroll, and that I would want them to correct any mistakes I made on Wednesday, so that I could be sure the payroll was corrected and right by Friday. I actually completed the payrun, but they said on the Wednesday there were too many mistakes, and Head Office would not allow me the extra two days to finish the job, so they got rid of me.
Back to the job applications, this time completely demoralised, but still having to sell myself somehow as a brilliant prospect. 50th birthday came. All through 2006, just application after application and the usual story – brilliant application, brilliant presentation at interview, very impressed, and we gave the job to a younger woman who was more appropriate and wishing me every luck for the future. By that time, I was sick of the whole rigmarole and operating on a fortnightly cycle of fed-upness. One week I hated employers, hated my country, hated the society that made such horrible people and just wanted to be shot of the whole employment circus. Not the best frame of mind to sell myself on an application form. So I used that week to highlight possible jobs and no more. Second week, absolutely sick of my own company, sitting at home, getting no further with life or career or making myself in the slightest bit marriageable, and there was nothing for it but to fill in these wretched forms. That worked ok until the Jobcentre put me on a weekly sign-on and sent me into a spiral of serious clinical depression when I just had to sign off JSA and onto Incapacity Benefit for a while.
Onto 2007 and at last one of my applications gets somewhere. I was far and away the best application for a job as a filing clerk in a Legal Section in a local authority, and they could not offer it to an equally-qualified woman because none applied. They got round this by telling me at interview that it was not the permanent job they advised, but temporary covering someone who was on long-term sick and was unlikely to return. Unless she came back to work, the job was mine for as long as I wanted it. Good enough – I would use the time to work myself into another position within the local authority. Three weeks into the job, I was getting worried because they were not training me in things I needed to do my job, such as inputting data onto their accounting system. I was also made aware by female colleagues that I was not welcome, and really they were expecting their filing clerk to be a young woman college leaver, rather than a middle-aged man. Then a brown paper packet landed on my desk. It was my terms of employment that had been changed to temporary with monthly termination reviews which was not what we had agreed when I was taken on. I asked for an informal chat to discuss my worries with a friend within the organisation. Instead the admin manager took me and my line manager into a room and told me she was going to ask HR to terminate my employment. I complained to senior management. The result was that I was hounded out and on the day before my termination interview with three line managers, all solicitors, I had a mini nervous breakdown and just stopped functioning. I was advised to accept their offer of one month’s pay in lieu of notice and leave immediately.
Rather than go on the dole and face more of those wretched applications, during my notice period, I accepted a part-time casual job on minimum wage delivering and collecting cars, which I did until the start of August 2008. It was semi-retirement. The driving was too tiring to manage it five days a week, and safety was paramount, but at least it was a way out of the house and meant no job applications or signing on. I earned very little. In the end they sacked me because someone had complained that I was seen eating my sandwiches during the working day that stretched from 7am until late afternoon. The truth I found out later. The woman general manager of the car delivery company did not like men with beards, and nor did the woman general manager of the agency allocating my work, so they decided that while there was a surplus of agency drivers and not enough work, they could get rid of me.
Now I am back at 52 with facing more applications, not having done a proper job now since I left the Government department in 2002. My CV is a wreck and there is a downturn in the economy. If I sign on JSA I have to prove I am actively seeking work, and yet now the whole process is making me very very ill. The doctor wants me to go on stronger antidepressants, but I know the problem is not with my mental health, it’s with being totally sick of job applications and the whole cruel process of excluding me from work time and time and time again. What next? My last slender hope is with the good friend who got me the boat job, who might have some other part-time work for me when he gets back off holiday. Yes, of course I am suicidal. I cannot afford to retire without a pension, and nor do I particularly want to.
So many middle-aged men must be in precisely the same situation as me, and all they are getting from women, who have no trouble securing well-paid or even modestly-paid careers is "get off your bums, you lazy losers".
I am probably a lost cause, and I have to come to terms with that. I know I am not wanted here, people have told me that enough times in their "we wish you every luck in the future". Britain and certainly New Labour only loves women. But what hope and advice is there for others in the same boat reading this?
Cari – a splendid example of the very women I have to confront when submitting job applications. I am unemployable. Straight in the bin. Someone tell that to the jobcentre and the Daily Express readers when "actively seeking work" and it would save a lot of futile activity. Now her FACT – can we have a reference to support this? Or is it that men only earn more because on average when in work they put in more hours, like tennis players?
Thinking very hard about this one for Best Answer, and will put it to the vote I think.
OohBetty is probably closest to what I am doing – procrastinating over suicide and taking bum jobs just to get out of the house.
AlMcNeilcan suggesting self-employment, which is fine with a good business plan, domestic support and sufficient self-confidence to put in the hours necessary.
ColinT, who has been through the same mill, puts his faith in miracles. They happened with him. They might still happen with me. I’m still waiting.
And Cari, who represents those I send my forms to, unnervingly precisely. I am unemployable, should accept my destiny and crawl into the gutter and leave her alone.
#2 by oohbetty on August 13th, 2009
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Firstly, I’m sorry to hear you’ve had such a tough time career wise and it must be really mentally draining and disheartening. Life can be cruel for all of us at some point in our lives whether its because of work, love, money or whatever. Secondly, even though my life isn’t perfect (I’m a stay at home mum/housewife desperate to work even though I love my kids but we need the money and I’m having trouble finding something suitable) I believe you should never give up hope. I lost a good friend to suicide a few months ago and believe me it leaves too much misery behind so please don’t go down that road. I know it’s may not be the kind of work you’re after but what about a job as a bus driver, or in a supermarket? When my kids were babies I worked nights on the checkout (after 11 years as a legal secretary!) and actually enjoyed meeting people. I knew a lot of older people who only joined the company later in life so have you thought of this option? Finally 52 is no age at all so try and be positive. You also mention you won’t get a pension – I know of people who have never worked (because they can’t be bothered unlike yourself) and have gone straight from benefits to a government pension so make sure you know your options before you think the worst. Good luck.
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#3 by almcneilcan on August 13th, 2009
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I hear ya! I didn’t bother reading your elongated diatribe but from the first paragragh alone I can relate! Re-inventing yourself at middle-age is very difficult. In a nutshell, I settled on self-employment. Find something you really like and start your own business. It’s tough at first but it feels AMAZING once it starts to build!!
Best,
– Liam
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#4 by COLIN T on August 13th, 2009
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I almost wish that i had not read your question Elmbeard. Lots of bell’s were ringing and bad memories being re-awakened. I was actually a little older than you when my similar saga started. One job i went for an interview for was actually at a DHSS Office. I walked in to this huge open plan office with about 50 women of assorted ages working away (or something) and one solitary male, possibly young enough to be on work experience, sorting some papers in a corner. I was interviewed by 3 women. They described what the department did, described the job, commented that there were a number of other applicants being interviewed and they would let me know. Then stood up to indicate the interview was at an end. Excuse me, says i, are there not any questions that you would like to ask me, or perhaps you would care to hear how i feel that i can fill the role etc/ Oh no, we have all we need in your application. Yeah, right!
I am an honest man and played strictly by the rules – no little cash in hand jobs on the side etc. Well, whatever HM Govt. might imagine, you could not keep yourself and your wife, run your home, run a modest car (I lived in a country hamlet 3 miles from nearest shop and NO public Transport at all so having a car was essential!), pay insurances etc etc all on £86 a week [plus Council Tax credits]. By the time i actually got a job my very modest savings were gone, i was nearly 16 grand in debt and within 3 months of having to downsize our home to release some of the equity.
Suddenly out of the blue 3 job applications in one week resulted in interviews – and 3 job offers resulted. All permanent positions, salary almost the same with each, pretty low compared to what i had earned previously, but hey, work!!!! I am now into my 6th year with the one i accepted (a Charity), love the work, have recently cleared my debts and, best of all for a person of my generation who was brought up to expect to work for whatever i wanted, i am not living on tax payers handouts and can hold my head up. For the last 6 years i have been a Mental Health Support Worker and after a lifetime of helping to make profits for anonymous share holders finally know what the term ‘Job Satisfaction’ means! We cannot live at the standard we used to but every day i go to work looking forward to what the day will bring and am pretty happy with my lot.
Like you, at one stage i thought i was a lost cause (nothing to do with my beard!) but there you are, the turnaround for you may be just around the corner!
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#5 by Cari on August 13th, 2009
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Clearly you have a problem with women. If you’re applying to jobs where women are the Hiring Manager or are involved in the interview process somehow, this probably comes across.
I work in recruitment and I probably recruit 75% men versus 25% women. According to your twisted way of thinking then, this means that I’m biased against women. But actually I’m not – I make sure to hire the best candidate each time, and it just so happens that three quarters of the time they’re men.
Also, I can tell you that every time I reject a candidate, I never, ever reveal to them what gender the successful candidate was. Why would I? Who’s business is it? What does it have to do with why they didn’t get the job? What difference does it make to anyone? Therefore I don’t quite believe your story, that you’re constantly being passed up in favour of women … I believe that majority of the time you wouldn’t even know what gender the successful candidate was, and on the odd occasion that you did find out, it wouldn’t have had any bearing on your application anyway.
Don’t even get me started on this sentence: "all they are getting from women, who have no trouble securing well-paid or even modestly-paid careers …" – in the UK, it is still a FACT that men are paid more for doing exactly the same job as women.
Wake up and face facts. Yes, you are unemployable, and this is because you chose not to work for a period of time, and then you chose to take temp jobs which make it appear that you are incapable of holding down a job. Anyone in this situation, whether male or female, would find themselves unable to find employment. The fact that you are male has no bearing on anything.
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