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Old 01-28-2013, 01:35 PM  
El Jefe El Jefe is offline
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Has this economy continued to hurt your wallet, or are you doing just fine?

I was thinking about this as I came to work today and was greeted with not a lot of work for a monday. We do work for a lot of different people/businesses and we have seen slow downs in every industry. We usually stay busy year round, but there are times where it's feast or famine that's for sure.

Personally speaking my money is held pretty firmly, we are currently paying off as much debt as possible before we get a house. This economy definitely has impacted me though. I used to reach my bonus almost every week, but now I rarely reach my bonus which sucks, but being employed is enough to keep me content. I know some of you guys in here are in pretty solid industries, but those who are not, does the economy continue to hurt you financially?
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Old 01-29-2013, 11:59 AM   #136
Strongside Strongside is offline
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Quote:
Originally Posted by mikeyis4dcats. View Post
huh, I hadn't looked but mine did 17.66%
Ask investors...we're trending toward the first bull market in a long time. Will be nice.
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Old 01-29-2013, 12:05 PM   #137
NewChief NewChief is offline
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We're working our asses off, but we're doing okay.

I got board certified, which added 5k a year to my salary. I also took a promotion which added 20 contract days, extended hours, more duties and another 5k a year or so.

That was fortunate and gave us some padding because in the meantime my wife's employing company changed owners, leaving her at an impasse. She ended up striking out on her own, opening a business, and continuing to do freelance work. While we're actually pretty tight right now due to some initial issues with the business, it's looking like it's going to be profitable. I tend toward financial pessimism on a personal level, but I'm feeling pretty optimistic right now about our potential earning in coming years. We just have to get the business in the clear over the next few months, and things should be okay.

The main problem, currently, is that I work probably 10 hours a day and serve as Mr. Mom while my wife is working around 12-14 hour days, 6 days a week, starting her own business and billing 20 hours of freelance design work a week. It puts a lot of immediate pressure on the family, but we hope we'll be better for it in the long run.
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Old 01-29-2013, 12:13 PM   #138
El Jefe El Jefe is offline
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Quote:
Originally Posted by NewChief View Post
We're working our asses off, but we're doing okay.

I got board certified, which added 5k a year to my salary. I also took a promotion which added 20 contract days, extended hours, more duties and another 5k a year or so.

That was fortunate and gave us some padding because in the meantime my wife's employing company changed owners, leaving her at an impasse. She ended up striking out on her own, opening a business, and continuing to do freelance work. While we're actually pretty tight right now due to some initial issues with the business, it's looking like it's going to be profitable. I tend toward financial pessimism on a personal level, but I'm feeling pretty optimistic right now about our potential earning in coming years. We just have to get the business in the clear over the next few months, and things should be okay.

The main problem, currently, is that I work probably 10 hours a day and serve as Mr. Mom while my wife is working around 12-14 hour days, 6 days a week, starting her own business and billing 20 hours of freelance design work a week. It puts a lot of immediate pressure on the family, but we hope we'll be better for it in the long run.
More power too you, I have found the disconnect between career and life to be a gray area to some. I have been working 55-65 hours a week for the past 6 or so years. I still currently am in school full time as well, I have found that these types of time constrictions are detrimental to what is truly most important in my life. I have cut my school hours back from 17 to 12 and it has helped a lot. Money, careers and school are always there to go back to, time with family, spouse and kids if you have them is not.
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Old 01-29-2013, 12:18 PM   #139
NewChief NewChief is offline
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Quote:
Originally Posted by El Jefe View Post
More power too you, I have found the disconnect between career and life to be a gray area to some. I have been working 55-65 hours a week for the past 6 or so years. I still currently am in school full time as well, I have found that these types of time constrictions are detrimental to what is truly most important in my life. I have cut my school hours back from 17 to 12 and it has helped a lot. Money, careers and school are always there to go back to, time with family, spouse and kids if you have them is not.
It's definitely a tough juggling act. We hope that hard work for the next two years will pay off with increased time with family in the long run. I get extended time off in the summer. If my wife gets her store and design work at the proper level, she can be mobile in the summer. This will allow us to experience extended travel with the kids in the summer months.
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Old 01-29-2013, 12:41 PM   #140
Der Flöprer Der Flöprer is offline
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Quote:
Originally Posted by Phobia View Post
I really need to stop putting everybody else above my own family's needs though. No more favors for little old ladies. No loaning tools to my friends so they can do a job they should be paying me for. No carrying hard-luck laborers for months longer than No they deserve. No more charging $50 for something that ends up taking half a day through no fault of my own. I have to become more diligent in the bottom line because that's how a business survives. I think it's possible to be fair to my clients and make a good living too.
I agree. You have to draw a line between being a steward of your community, and feeding your family. It's not criticism. You opened the can, and I'm throwing my two cents in. This is nowhere near some holier than thou rant. You're a greater guy than I am.
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Old 01-29-2013, 12:52 PM   #141
MeatRock MeatRock is offline
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Quote:
Originally Posted by JASONSAUTO View Post
this about sums me up too.
every year i say im going to get tougher about it


but i never do
Yea it's good to help friends. It always comes back to ya. Something that would have cost me a few grand ended up costing me little to nothing because my friend remembered the work i did for him.

You can't do that for everybody though.
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Old 01-29-2013, 01:03 PM   #142
DTLB58 DTLB58 is offline
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We (My family, of myself, wife and two son's) are lucky.

I have had a very stable job the past 12 years at the same business with great Union pay and benefits. (Haven't been out of work since the 80's.) My wife has been with the same company for 14 years. She can't complain as far as pay and she is on all my benefits.

We haven't gotten ourselves in trouble in the housing market.
And we aren't in a mound of debt. We cut up all our Credit Cards in March of 2003 and just use cash.
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Old 01-29-2013, 01:04 PM   #143
Duck Dog Duck Dog is offline
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Quote:
Originally Posted by Phobia View Post
I really need to stop putting everybody else above my own family's needs though. No more favors for little old ladies. No loaning tools to my friends so they can do a job they should be paying me for. No carrying hard-luck laborers for months longer than No they deserve. No more charging $50 for something that ends up taking half a day through no fault of my own. I have to become more diligent in the bottom line because that's how a business survives. I think it's possible to be fair to my clients and make a good living too.
Same here. This applies to me too, word for word.
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Old 01-29-2013, 01:11 PM   #144
Nixhex Nixhex is offline
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Worst part for me is my house is worth the same today as what it sold for as a new house in 1998.
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Old 01-29-2013, 01:11 PM   #145
Phobia Phobia is offline
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Quote:
Originally Posted by MeatRock View Post
Yea it's good to help friends. It always comes back to ya. Something that would have cost me a few grand ended up costing me little to nothing because my friend remembered the work i did for him.

You can't do that for everybody though.
That's where I sometimes get screwed the hardest. I don't do that unless I already have that type of relationship established. It's all about give and take but most people are perfectly happy to take.

I've done work cheap for Doomy from here. He also refers me to his colleagues and clients. I landed a nice project last fall from his referral and ended up getting him a $300k listing.
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Old 01-29-2013, 01:15 PM   #146
Phobia Phobia is offline
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Quote:
Originally Posted by Mr. Flopnuts View Post
I agree. You have to draw a line between being a steward of your community, and feeding your family. It's not criticism. You opened the can, and I'm throwing my two cents in. This is nowhere near some holier than thou rant.
I wouldn't take it that way.
Quote:
You're a greater guy than I am.
That's very kind but not true.
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Old 01-29-2013, 01:33 PM   #147
Jimmya Jimmya is offline
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Yes, when one owns a business some people believe that they should always get a sweet deal. I've learned that many people believe all business owners are millionaires. That's part of the business that I don't enjoy. Very few real friends.
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