After posting the article Sleep Disorders, so many comments came in on Facebook and the blog, telling what was keeping them awake at night. Most people’s mind just will not shut off at night to get a good restful sleep. The other was worry and financial debit are one of the top subjects that keep people wake – frustration.
I had a conversation with a fellow nursing co-worker as I watched her struggling with a piece of paper she was writing on. She pushed the paper across the table and said,”Can you help me with a budget. I cannot see how I can make this amount of money work with these bills.” She had a look of anxiety and stress over this month’s bills that totaled way more than what was coming in.
Do nurses really make enough money?
When I looked down at the paper laying in front of me of the income this young nurse assistant, single mother of two. My chest tightened and tears jumped into my eyes. I stared at the number that said “Total for the month $1089.00″. I looked at her as she stood so innocently waiting for my response, like I was going to do a magic trick with her budget that would free up some extra cash.
I think I stuttered when I said, “How are you surviving on this? She shrugged her shoulders I am not very well. We sat and made a plan on how to remove some of the debit. With income taxes on the way. She looked at that money like a lottery ticket. When I gave directions to apply that to two bills to get rid of those she stood like a child. “But I wanted to buy…” I stopped her in mid sentence..”Do you want to get out of debit?” She firmly said, “Yes”.
I ask financial advisor Sharon O’day what were the top three reasons people stay broke and Sharon said:
Three Big Reasons Why You’re Broke
Have you ever wondered why you’re always broke? Regardless of how much you make as a nurse, even with raises, do you wonder why you always have more month than you do pay check? Or why you haven’t saved much of anything although you know deep down inside that you’ll be strapped living just on Social Security some day? Well, it’s because of one or more of these three reasons:
- You haven’t gotten totally honest with your money. That means you don’t know exactly how much you have available to you in the bank … how much comes in each month … how much you really need to cover all your bills and expenses … what your credit card debt really adds up to … or what each purchase costs you before it’s paid off. First you need to get at all those numbers and write them down somewhere in black and white. You’ll then know exactly what you’re dealing with, and it’s usually not as bad as you think. (Besides, “knowing” removes some of the mystery … and emotion … from your money!) Next you can focus on getting your income and money outflow in balance, whatever it takes, and quiet the chatter that keeps you up at night wondering how you’ll pay your bills. That chatter is exhausting! And distracting …
- You have a bunch of childhood memories about money that are affecting how you relate to your money and how you treat it. They’re easy enough to get rid of. But first you need to understand where those memories came from … how you decided that the events behind them were somehow your responsibility … and how to get free of them. It doesn’t matter if you never saw a QVC deal you didn’t like … or your credit card statements pile up on the counter in the kitchen, unopened … or, as a person of service through your nursing, “we don’t talk about money“ … or you don’t tell your husband the real truth about what you’re spending … or any other destructive money behavior. The source of those behaviors is always the same: old memories.
- You’re driven by everyone else’s needs and wants and not your own. You’re inching through life overwhelmed by all the things on your “to-do” list and have set aside your own dreams. Either you can just barely remember what you used to dream about or you tell yourself you’ll go back and update your dreams after the kids are grown and out of the house. In any case, you’re functioning on automatic: doing what you should do. If you can make the mind-shift to where you’re up high enough on your priority list to actually figure out what’s important to you, and think about how you’re going to make that happen, you’ll find yourself changing your spending habits. You’ll do whatever it takes to have the resources available to make your dreams come true. With dreams and a clear life purpose, you can achieve anything. Without them, you flounder.
None of these steps is hard. But get two done and miss the third (whichever one you miss), and you’ll find yourself still struggling. On the other hand, once you have all three in place, it’s like pressing on the accelerator: everything related to money starts to flow in the right direction. That’s why you see women of all walks of life that have their lives under control and are financially secure for life. And it’s also why you see women from all social backgrounds that just can’t seem to get to that place of peace of mind.
Sharon Ask this Question: Which would you like to be?
She is right. As older nurses get closer to to retiring very few can live on the retirement checks that will be coming in from the long years of working in patient care. The aging nurse can no longer lift, tug and pull on the sick and needy that is required to be done. Nursing is a demanding and stressful profession that takes a toll on the body.
Most retired citizens will be working a part time job within the first year, if not 6 months after retiring just to make ends meet.
It took at least two years to become a professional medical field. It may take one to two years to gain new skills needed to turn your home into a part time income option. Working part time for the retiring nurses who would rather not fall under another supervisor, or working schedule.
Working at home gives you the freedom to live the lifestyle that you dreamed of with out asking someone’s permission.
Learn how to work part time before you retire. Don’t settle for less – make plans for more – Get started now
Angela a holistic essential oil nurse plus social media loven nurse whom was voted 110th Leading Moms in Business she is also Director for her achievement of being the first in her business to build a solid Silver 2nd level Team Performance and over 30,000 in volume without using the phone. She is setting a model of how to build relationships online, through social media, blogging and email. Voted #22 in the Top 50 Blog of 2012, #7 in the BizzyBuzz “People’s Choice” Contest with Mara Glazer. Check out her website at www.angelabrook.com and Facebook /angelabrooksbiz Find out how you can work with Angela