Newsletter · September 22, 2017
Hiring America Newsletter 12: Your #1 Question
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It's Ann Cardona, back again this week with a quick thought about money from my little corner of the world in Austin, TX. I was watching the USAA Tip
September 22, 2017 Click here to read this newsletter in your web browser.
It's Ann Cardona, back again this week with a quick thought about money from my little corner of the world in Austin, TX. I was picking out the USAA Financial Tip of the week for the newsletter, and as I was listening I heard JJ Montanaro say, "My number one questions is: Do you have a financial plan? And if you don't maybe you should get one." I realized that this sounds simple enough, but it seemed to be a lot easier when I was in the military than once I transitioned out. Why?
1. I took a pay cut when I left the military, which is probably pretty common. Shoot me an email if you didn't because I will be very impressed! It was hard to find jobs that would equal the amount I made AFTER all the tax breaks I used to get when I was in. I figured I could reduce my spending, live within my means and be fine but it was a lot harder than I realized.
2. I am out of the military now, I want to enjoy my freedom! I want to travel and visit friends and family I haven't seen in a while, and all of this costs money. I didn't have my allotment going into a TSP anymore, and I found myself saving less and spending more. I started dipping into my rainy day fund here and there, and before I knew it, it was down to almost nothing.
3. I didn't want to sit down and really look at my new financial situation post military and address the facts that things had changed. Where is the fun in that?
4,5,6...I could list out all kinds of excuses, but I think the top 3 were the main culprits.Why am I telling you this? I hope that those of you who are transitioning, or recently transitioned, won't end up in the same predicament. I think a lot of us do a good job of saving while we are in, socking away deployment money, using TSP etc., but it is easy to throw away all that hard work very quickly if you aren't careful. I am just curious if I am the only one who went from having a plan to just living day to day?Let me know your thoughts, and if you are a success story let me know what helped keep you in line! ann.cardona@hiringamerica.net
-Ann Cardona& The Hiring America Team
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What Is Your #1 Question?
Good Morning and Happy Friday!It's Ann Cardona, back again this week with a quick thought about money from my little corner of the world in Austin, TX. I was picking out the USAA Financial Tip of the week for the newsletter, and as I was listening I heard JJ Montanaro say, "My number one questions is: Do you have a financial plan? And if you don't maybe you should get one." I realized that this sounds simple enough, but it seemed to be a lot easier when I was in the military than once I transitioned out. Why?
1. I took a pay cut when I left the military, which is probably pretty common. Shoot me an email if you didn't because I will be very impressed! It was hard to find jobs that would equal the amount I made AFTER all the tax breaks I used to get when I was in. I figured I could reduce my spending, live within my means and be fine but it was a lot harder than I realized.
2. I am out of the military now, I want to enjoy my freedom! I want to travel and visit friends and family I haven't seen in a while, and all of this costs money. I didn't have my allotment going into a TSP anymore, and I found myself saving less and spending more. I started dipping into my rainy day fund here and there, and before I knew it, it was down to almost nothing.
3. I didn't want to sit down and really look at my new financial situation post military and address the facts that things had changed. Where is the fun in that?
4,5,6...I could list out all kinds of excuses, but I think the top 3 were the main culprits.Why am I telling you this? I hope that those of you who are transitioning, or recently transitioned, won't end up in the same predicament. I think a lot of us do a good job of saving while we are in, socking away deployment money, using TSP etc., but it is easy to throw away all that hard work very quickly if you aren't careful. I am just curious if I am the only one who went from having a plan to just living day to day?Let me know your thoughts, and if you are a success story let me know what helped keep you in line! ann.cardona@hiringamerica.net
-Ann Cardona& The Hiring America Team
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Learn more about The Commonwealth of Virginia's Medical Medics and Corpsmen program. Watch VideoThis email was sent to *|EMAIL|*
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This issue was originally sent on September 22, 2017. View the original email.