If You Lost Your Job Tomorrow – Is There A Back Up?

Hello World,

Losing your job is a given anxiety / depression topic. You won’t be happy for some time and you a lot of emotions will be running through your mind. You will cry, you will think about your bills, you will start forecasting your future. All this will happen, even if you had a plan.

However, do you have a plan? If you were to lose one income stream today, what would be your back up plan? Is it simply to look for another job? What if there were limited amount of people hiring for your skillset at this pressing times. Would you have to upgrade your job skills in todays pandamic environment.

Have you given that a thought? I have been jobless for 6 months one time of my life and it wasn’t a great feeling! It was hard to find another job. That’s why I decided that I will try my very best to not be close to that situation ever again. I created some back ups. If I have two streams of income. If one stop of my income sources stops then, I have the peace of mind to say that my other income will cover my mortgage. I have properties for rent, if need be I can sell them. I have stocks, bonds, and shares I have invested over the years I can definitely sell.

The best one out of all those is my back up savings that I don’t touch at all and it’s for my rainy days. I always have that as my security for any uncertain changes in my life. Another, is my investment in my skillset. This gives me leverge in the job market. I am definite that I won’t be waiting the span of 6 months to find a job this time around if that were to happen again.

These are small survival hacks, people never think ahead. Sadly, because when they put in so much hard work and come and browse through social media, every ad that comes their way seems lucrative.

Think about how you will create security for yourself!

POSTS

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The Plan is Never Available – Takes Risks!

Hello World,

Isn’t it funny, no one wants to be the first one to take the chance? You always want to be the last one to do it unless you know for sure that you are benefiting from the opportunity.

That’s a safe way to do anything in life, right? Don’t get me wrong, you rather be safe. You rather have money in your bank than gamble it all away. However, you want to take calculated risks too. You want to take low to medium level risks so you see a stable growth.

I am surprised that many people don’t invest in anything, let alone RRSP / Roth IRA. Yes, people don’t invest in RRSP’s / ROTH IRA’s, that’s a mistake at this day and age when so much material on financial literacy is available. You want to be putting money away for when you are older and unable to work like you do today. This money will be taxed but, at a lower amount, hence, you are saving money.

People shy away from research and therefore are afraid of the unknown. Some people want a complete investment plan infront of them, before they can invest in stocks. They want a stock pick list and someone telling them which stocks to invest in. Well, hard truth, that will never happen because, the stock market is volalite. The market will go up and down but, you have to buy and hold some long term stocks. That’s why you need to do your own research. I use to find it excrutiating at first too. But as you start researching and buying stocks, you understand the flow.

Some people have a lot of money in their back or enough for a down payment. But, they are afraid of job security. They don’t want to buy the home thinking they won’t be able to to sell it in the future or rent it out. They even think how much the maintenance cost will be. However, before making that assumption, did this person do their research in the area? How much it rents for? How demanding the area is or let alone, talk to a realtor who may have an easy of option of buying the place back if they want to sell it early.

Isn’t it funny, buying a car for instance, is the worst decision in some cases as there are cost saving alternatives available such as bussing, and uber. However, we don’t think as much before purchasing a car. We think about the convinience. But a car is literally a dent in your pocket. There is car insurance, gas and maintenance–in other words, all expenses. Yet, buying a property, which most people are afraid of doing becuase, of the research, legal work, and the assumed risk–returns an income if you sell it and or rent it out.

People live on assumptions. Their assumption create self doubts for them. They want to follow others footstep but fail to seek out a mentor and resources. I think it’s time we change that and start taking some well calculated risks.

Twitter: @dilypie

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Everything From a Distance is Scary

Hello World,

Isn’t it true, every big stept or “risk” in life is scary. It can be starting your own business, taking up a new degree, investing in stocks, investing in real estate, investing in a new relationship. All of these investements are scary. These are scary because, all of it involves uncertainty. We are all scared of that word, uncertainty. All of these situations above require your time, money, and effort.

Most of the time people just end up not spending the money. The hoard it. This is not bad, it’s just safe. You are just saving which is not helping you in anyway. You are not adding growth to your money when you are simply holding on to what you already have.

Time is another thing people are afraid to invest. They want to spend time doing things they like, or in comfort…nothing wrong with that however, you need to make some time to spend towards your growth as well.

However, some people really don’t have enough time to invest in multiple goals. It could be a working mother who has to come home after work to take care of children or anyone with anxiety who need a lot of gaps before they can focus on their responsibilities. No matter what you are situation is, you need a plan for growth. A single mother may find it hard to curve out that time after maintaining a household and paying all her bills but, it’s just the idea of ownership. Even if it’s staying up late one day to do some research about career change or the stock market… that time needs to be curved out and that change needs to happen.

Making a change is never easy, even harder is starting that change! How many of you wanted to start a business or wanted to start investing in the stock market and never did it? Trust me, you are probably not speaking up now but, that’s the majority of you.

One of the reasons, motivation speakers are all open with free information and courses is because, they know half of you wouldn’t get up and try to start a business or take that risk. However, you will invest in listening to their success stories.

Everyone is afraid of failure. However, we have to all normalize failure. You try something once and it becomes easier the next time as you are more aware of your mistakes. The first try prepares you for what you should be expecting.

So if you have been waiting to start a small project for your own personal growth then please, please, please share with me your goals and get started today!!

Twitter: @dilypie

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What Has This Lockdown Taught You?

Hello World,

Sorry I am late, work has been crazy! But I am just checking up on you all!

Unpredictability! My worst fear, something that gives me deep anxiety. Yes, unpredictabilty is what I have learned from this lockdown. I have also learned to accept it.

Just like most people, it has been testing for me. I was given new challenges at work that I had to quickly adapt to in these testing times of lay offs. One of my family members passed away. Over all I was just alone pick up all my emotions and work.

Being prepared for these unprecedented times is actually what would help you gain a bit of confidence. However, some obstacles you just have to deal with and own. Feel the emotions and get back to working. Feel your emotions completely and talk about it. For examples, if you lost your job, or someone at home is sick or you are struggling with something… try to find people who went through similar expeirences and just talk about it. It will help you.

What really helped me through 2020 is listening to podcasts. I wasn’t willing to open up completely with all that was going on. The podcasts were interesting, I resonated with the stories without having to tell someone my story. I learned how other people deal with anxiety and challening situatoins. The stories were not all about coping. These were various podcast starting from finanace to simply being happy. The subject varied widely. All I can say is it help me a lot.

There will be really shitty and hard times in life! Really rock bottom times but, you have to own all situations. When I say all situations, I mean the worst of the worst. You can’t be too comfortable with your current situation. I hope of the best for everyone, but you have to be uncomfortable enough to know that you may lose it all tomorrow. You should be able to turn around and say I am okay or not okay with that!

If you are not okay with a certain situation then plan early for it if you can. If you can’t then give yourself some time to cope.

Thank you for all your support! I hope you are all strong during these unsettling times!

POSTS

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Sustainability – Is Your Job Secure?

Hello World,

Although I had a bunch of masks available to me at home, I ordered another 50 pair. Yes, I started stocking up again just like how I did in the beginning of the pandamic. The numbers are peaking again. Although, the government is being conservative with the shut down, we are not far away from it.

Although this pandamic was the absolute terrible, I had my perks of not having to commute to work, I saved money on commute, I saved money on eating out. I had time to focus on myself and take care of my mental health over all.

But I want you all to think about the ones who has lost their jobs during the pandamic. It wasn’t as pretty for them as they all had to focus on getting another job or changing their career path and skill set. Think about it for it, if you still have a job then you are lucky but, let’s say the second wave it and you were the next to get laid off or fired?!

How much security do you have in your job? Almost zero, and that stands true even if there was no pandamic. Pandamic just makes everything worse, we can all agree on that!

Therefore, we need to upgrade our skills, always be aware of the current trends, and prepare for the future.

I always tell my audience to always, always, always, try to gain another source of income. Yes, not one but, two. One can pay your bills and the other you can re-invest to build wealth. There are some of you who are going to be like, no money can’t buy happiness. Money can’t, and I agree but it does buy you a bit of freedom and comfort to easily have time for what makes you the happiest.

Think about what I wrote, and share your ideas to help others grow!

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Community Management – Social Media

Hello World,

I have learned over the years that there is a lot community managment that is involved in keeping the engagement on your blogs/social media flowing. People are engaged when there is communication! I love that you all write comments and interact with me on my blogs. Honestly, I realized that actually helps so much for a creator to keep moving forward.

For example, on my blog of starting my YouTube channel, I received so much positive and encouraging comments. This shows that being real and vulnerbable with yoru readers builds a connection and creates a support system. I love hearing from your all and hearing your experiences.

If we don’t share our own journey, failures, and successes, other people will not be able to learn. That is exactly what I try to do with these blogs. I try to keep you all focussed and motivated for your own passions and goals. I want you to get to the lifestyle you are all striving to get to and I know you guys are doing a great job!

Thanks for showing me so much love and support! I hope to share more of journey as I take on more risks for my own personal growth!

Twitter: @dilypie

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