Credit/ can we talk about it?
I’m 31 and just got my first credit card this year. Had to prepurchase the amount so I have a 200 limit. I got 180 dollars worth of groceries months ago and have been paying it off 20 dollars at a time thinking that paying the minimum would up my credit score. I check my credit score and it’s gone down almost 50 points since not having credit and my friends start explaining these percentages that I was completely unaware of and how they affect your score. I suppose within this sub I’m looking for advice on what to avoid and what to do appropriately, because I know it’s meant to be a trap unless you have guidance to navigate it well. I’m sure others could use this advice also. Sorry if it’s the wrong sub.
I'm so sick of interviewing for jobs I don't even want, putting on an act. I am qualified, I am polite, I speak & interview well, and these companies literally complain mid-interview that they can't find anyone. This is my third company I've gotten 3+ interviews with, my fourth that's asked me to do a “project” or “presentation” and all but one of those companies have just ghosted. I'm sick of it! How can they tell me I'm a perfect fit, tell me start dates, have me do interview after interview over the course of literally months and then not even have the decency to let me know I didn't get the job?!
Not working enough
I was a salary employee at a financial institution working in Information security. I very rarely took my breaks and to avoid traffic I typically came in early and left late. After about 1-2 years they decided they wanted me to get a degree(despite 20 years of exp). They had a really great tuition reimbursement program and would allow for a flexible schedule so I figured I would do it to appease management. My boss was fine with however many hours I put in as long as my work was done and I only had gotten positive reviews. I took a 7 am math class which was in person only and ended up getting to work a little late around 9:45 or 10:00. I usually worked until 6 and didn’t take a lunch so I was still working 40 hours a week. About a month or two into the math…
I was under the impression that legally I’m allowed to discuss pay. For context, I was just talking to my boss in the back, not in front of customers. I wasn’t talking down on the company. We are just both in management, and I could be moving up to their job one day, so I was curious. I said “how much do you get paid? I get paid xyz.” She quickly said back “I could get fired for answering that question and you could get fired for asking it.” I just thought this was illegal, to fire people for discussing pay.
Say it with me folks. Benefits (Health, Dental, 401k), are not benefits if you at the end of the month, don't have money to utilize them. Every job right now is harping on about the ' Excellent Benefit Package '. Dental, Vision, Health, the works. But please remember that even with the best insurance you net through those benefits, if you don't have the money at the end of the month to take advantage of them, they are simply a drain on your own bottom line. Vision, glasses. Great. The eye exam most of the time is completely covered. But frames, lenses? Only partially. You going to be stuck with that $100-200 bill for glasses? Health. Gotta love it. Keeps us alive. Doctor's visit is usually 20-40 copay. But what happens when your health provider says your meds are unnecessary, and to try a bargain bin brand that you've tried…
I think I’m not going to my trial day
I interviewed for a waiting job, parts regular waiting rates, but you're expected to also be a professional singer and sing 2-4 times per evening. They expect a lot make-up wise and that you rehearse outside of work. You split tips with the kitchen staff (who don't sing) and the trial day is unpaid. I thought it would be a fun gig but it's so ridiculously low paying it's an insult.
Importance of regulation
So i just did a job interview today with a employee owned store, and i was wondering what that ment because i looked it up and im still confused