Tag Archives: money

Filling the Gap

For a lot of people struggling in this economy, there are gaps. Gaps between the monthly paycheck and the monthly rent. Gaps between what we’d like to spend and what we are able to spend. Gaps created by too few hours and too low salaries. Gaps between the lives we want and the lives we have.

Now some of these gaps can be lessened by the adjustment of expectations. Goodness knows I’ve done my fair share of wants vs. needs charts; downsizing in favor of a more reasonable lifestyle, but at a certain point I
can’t cut back on the needs column any more (i.e. bills, food, good books…).

In my continued searches through a frustrating job market, I have noted the presence of some interesting opportunities to ‘fill the gap.’ Ways to make that extra bit of money finish out the month; or if you’re like me,
ways to make some money instead of none.

The most obvious of these fillers has been employed (pun intended) by workers of all types for years—the part-time job.

Whether it’s bartending nights or selling shoes on Saturdays, a part-time job is a good way to fill the gap. Scheduling is flexible, And it can also be a nice way to do something different a few days a week, in case your real job (or non-job) drives you bananas. As previously mentioned, I have been searching for a few part-time gigs to fill out my weeks and amp up my bank account. A few days ago I applied to a bakery in my neighborhood, so fingers crossed on that one.

Another ‘filler’ that suits me in particular are sites like gather.com or skyword.com, where writers can contribute articles with limited time pressure and be paid based on how the contribution draws in readers—more readers, more cash. This is especially helpful because it lends even more freedom from scheduling constraints, so if my free time is at 3am then that’s the time I use to get paid for writing. There’s also a relatively uncapped earning potential depending on the number and popularity of articles written. If I have lots of time to write a bunch of really engaging articles, I can earn quite a bit.

For those who are slightly less journalistically inclined I have also recently discovered a site called taskrabbit.com, a nifty idea that allows people with extra time to run errands for those without it. Need your groceries picked up, or you house cleaned, hire a task rabbit; a whole range of tasks for people with varied skills and extra time looking to turn those assets into cash. I don’t know about anyone else but I love this
idea. I signed up to be a task rabbit yesterday and am waiting to be approved sI can choose my first assignment. Perhaps someone out there needs me to make hem tea and read them a book…

My final source for odd jobs is the ever trusty craigslist. They have a section labeled ‘gigs’ that ijust bursting with small, one-time/ temporary jobs waiting for people with the time, talent, and inclination to get them done. If I remember correctly, that is how I found out about and started writing for this blog. It’s at least
worth a look.

These are the opportunities I’ve happened upon so far in my search but I’m sure this isn’t the end of the list. Someone before me discovered that sometimes people end up with more free time than they know what to do with and is out there trying to help us make use of these idle hands. To help fill the gaps, as it were. At the moment all I have is gap so hopefully using these strategies will help me keep my head above water as the real search continues.

Businesses That Won’t Bounce Back

By sendmeonmyway101

I was unnerved when Borders went bankrupt.

Well, not as unnerved as a Borders employee should have been. Mostly because I would be graduating and leaving the store for greener post-grad pastures (seems my pastures are as green as Borders future).

Don’t misread – especially any of my fellow borders alum. Because I loved my job – it was by far one of the most pleasant work experiences I have ever had. Everyone got along with each other; the majority of the customers were sensible and fun people (same could be said for my fellow employees). If every Borders store operated the way our store operated, I don’t see how they could have declared bankruptcy.

Our store survived the initial batch of closings because we were small, and we were a staple in the community. The only other bookstore in town was a Half-Off-All-the-Time mess, in a closet of a store. Our Barnes and Nobles competitor was more than half a mile outside of town. We were it.

Now all of the Borders stores are closing, and a lot of good people are losing their jobs. And Borders isn’t the only one – following a merger with First Niagara, HSBC recently announced their intentions to lay off 30,000 people. And these 30,000 people are being laid off to make room for 15,000 people in the emerging markets. What does that mean?

Emerging market = Asia, Brazil, Argentina and … Mexico? No comment.

The point is that with chains such as Borders or Blockbuster downsizing or closing, we college grads are facing more competition from experienced members of previous generations than they themselves faced. Not to mention how little a Bachelor’s degree actually means anymore.

I’ve been out job hunting, and the majority of jobs are seeking candidates with more years of experience than most people will get just from sitting in a classroom. I consider myself very lucky, in that I had two professors urging me in all the right directions, so I received experience while I was in school. But hey – I’m still unemployed, and finding employment is by the far the most frustrating, exhilarating, and mind-numbing experience a grad can face.

I don’t know the science behind it, but I am aware that four out of six of my friends (or two out of three, if you want to simplify things) are either registered for grad school, or planning to attend after graduation. OK, so my friend pool is relatively small, but it doesn’t change the fact that the growing trend is to attend grad school. Which means more student loans – fueling an already loan-centered, debt stressed economy. And let’s not even go into how grad students will be paying more in their loans following the recent debt deal laid out by Washington.

To break things down – economy is bad. Companies close. Good people out of jobs – competing with inexperienced college grads. Grads return to school hoping to graduate again with a more stable economy and job market. Student loans and the high cost of education support a society’s poor decisions to buy first, and pay later.

Now, before you start firing your keyboards and accusing this blog of inaccurately depicting social events, American society, or even financial situations, I have to point out that I know nothing about finances (I prefer to leave that to the people who know what they’re doing … of course, the people who know what they’re doing have already failed in preventing all the things they were supposed to prevent, so maybe they’re as knowledgeable as I), and everything mentioned here is only my impression of what’s happening.

A sign of market end times for future students and graduates? Or a time for change? You be the judge.

(Check out Mustang Daily’s article, Graduate school: to go, or not to go?)

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