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The Money Messenger, Issue #004 -- Savings, Budgeting and Summer Teen Jobs
May 15, 2008
Welcome to The Money Messenger!
May is finally here! In our part of the country that hasn't meant warmer weather just yet...but the grass is getting green and the tulips are up! The end of school is just around the corner. What do you have planned for your summer? Trips? A new business? Or just some time at the pool? Whatever your plans may include, ENJOY!
In this issue, you will find:
Things were going so well...
Whether it is eating healthy, doing homework every night or saving money, it can be easy to get off track. How do you stay on track with a savings program? After all, you (whether you are a kid or a parent) worked hard to get this set up. And you got off to a really good start. But then...life happened.
Life does happen. As with any program - savings or otherwise - that has longer term goals, it can be rough to keep it on track. The key is to have a flexible plan that can be changed without losing sight of the goal you set. Here are some ways to do that:
Just don't be afraid to adjust and move on. Most people don't get it right the first time - or even the second. As long as you focus on making progress and improving the plan, you are on the right track! For more information on savings, check out
Budget...Isn't that a four letter word?!
Budgeting seems to be like dieting - it might be something you should do, but no one wants to. It just doesn't seem like fun. In fact, it seems like the opposite of fun. Who wants to do something like that?
A better way to think of budgeting is that it can actually give you freedom.
Yep. It can give you freedom. Freedom from not knowing where your money is going or why you don't have enough money to buy that CD you REALLY wanted. Or putting it another way: Money isn't scary until you don't have enough...and then it can be downright frightening. That's where budgeting can help. Even when you don't want to.
The keys to budgeting success? Really, they are the same as many of the skills for other areas:
Follow these steps and repeat as needed. Keep it simple! You don't need Quicken or Money - or a computer at all. You can use a small notebook that you carry with you. Or you can go all out. Find what works for you!
Check out more spending and budgeting ideas here.
Summer Teen Jobs
Rumor has it that teen jobs are going to be hard to come by this summer. Really?
Whether it is due to the recession or gas prices, there are thoughts that this summer season will be gloomy for job seekers. Add that to more teens looking for jobs and it's downright depressing. Or is it?
Honestly, there is always a way NOT to find work. But, if you really want to work and have the right attitude and approach, teens can find jobs. If you want to make sure that you (or your teen) are the most successful candidate, follow these quick tips:
And while it might seem like this is all common sense, fellow job seekers might not be following it. That's your opportunity! And if you need even more information, get it here.
Fun money fact
How many times does "The United states of America" appear on a new $100 bill?
The answer is twelve (two obvious appearances plus ten times around the oval). Franklinís portrait is framed by an oval consisting of concentric rules, cross-hatching, and white space. Similar, though slightly different, ovals surround the portraits on all US bills. Using a magnifying glass, look at the outermost line of the oval. It turns our not to be a line at all but the repeated words "THE UNITED STATES OF AMERICA." (Fact courtesy of www.thedigeratilife.com)
Ask the Editor!
In this new feature, readers are submitting their questions. The selected question for this week is: "What jobs can a 15-year-old get in the summer?"
Fourteen and fifteen year olds can feel like they are caught between a rock and a hard place. They want to work...but they feel like they can't get a job until they are 16. What gives?
Sixteen is an easy age for employers. Most state and federal guidelines on working loosen up after age sixteen. It's not that they can't hire people under 16; it's just easier not to. It adds a layer of paperwork for many of them - and that means more stuff to worry about. It can be easier just not to do it. What's a younger teen to do?
Start by looking to smaller employers. Their hours of operating may not conflict with the guidelines at all so that is not a worry. Plus, there is likely a lot less competition for these jobs. Most other kids aren't looking there.
Next, check out employers with other teen employees. Grocery stores and high-volume discount retail stores are good options. They are used to managing reduced work hours as well as other issues (such as family vacations). Most of the time the issue might actually be that you can't get as many hours as you want.
If you just can't find a job working for someone else, consider starting your own business. Whether it's walking dogs, pet sitting, summer tutoring or mowing grass, there are opportunities to provide services to many of your neighbors. And to do it on your schedule.
Latest on the site
The teen online page has been updated to include some great freebies! These are great resources to anyone considering (or who already has) a website. Check out this month's freebies: Make Your Content Presell! and Make Your Words Sell! - and download your free copy to take with you.
New subscribers to the newsletter (as well as the first ones) get a free downloadable copy of the Top 10 articles we offer. Feel free to forward both this newsletter and the free report to any friends that would like a copy. (If you need a copy,
grab it here.)
Coming soon...the next issue of The Money Messenger
Next month's issue will include new articles on:
Comments or suggestions?
If you have any comments or suggestions for future newsletters, please let me know. I want to be sure that this newsletter meets your needs. Feel free to provide your comments using our contact form.
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