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	<title>Comments on: Ten Steps To Financial Success For A Minimum Wage Earner</title>
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	<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/</link>
	<description>Simple, applicable personal finance advice for the modern world</description>
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		<title>By: aj</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-4/#comment-927987</link>
		<dc:creator>aj</dc:creator>
		<pubDate>Wed, 20 Oct 2010 18:22:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-927987</guid>
		<description>I live in a rural community...what I see over and over again is that there are a lot of people driving for an hour or more to work in my small town...because we don&#039;t have the work force to fill the positions.  

At the local hospital it seems that they have a hard time finding local people to fill the positions.  Lots of times there are even willing to help pay for the educational expenses to get certified for a certain position in exchange for an agreement to stay employed there for a few years.  

This type of situation I am sure exists in many more rural towns across the US and would just take some investigating to find the opportunities available.

The cost of living is low, and if you can position yourself in the right job/career you can still make a good salary after some hard work.
The key is seeing what the job demands are for the area.

Or start your own business!  That is what my husband did when he was stuck in the minimum wage jobs in our small town.  He started a lawnmowing &amp; general maintenance business and makes more in the 7 months that he is working full time than in a whole year of being miserable working for someone else at a deadend minimum wage job.  He worked one summer helping out a friend with his mowing business &amp; saw the big demand for such services.  Next season he started his own business &amp; it has grown every year.  (I am jealous because he gets the winter off to lounge around, lol!)  That was the best move he has ever made.

Find a need, &amp; fill it...rural or urban that is the key!</description>
		<content:encoded><![CDATA[<p>I live in a rural community&#8230;what I see over and over again is that there are a lot of people driving for an hour or more to work in my small town&#8230;because we don&#8217;t have the work force to fill the positions.  </p>
<p>At the local hospital it seems that they have a hard time finding local people to fill the positions.  Lots of times there are even willing to help pay for the educational expenses to get certified for a certain position in exchange for an agreement to stay employed there for a few years.  </p>
<p>This type of situation I am sure exists in many more rural towns across the US and would just take some investigating to find the opportunities available.</p>
<p>The cost of living is low, and if you can position yourself in the right job/career you can still make a good salary after some hard work.<br />
The key is seeing what the job demands are for the area.</p>
<p>Or start your own business!  That is what my husband did when he was stuck in the minimum wage jobs in our small town.  He started a lawnmowing &amp; general maintenance business and makes more in the 7 months that he is working full time than in a whole year of being miserable working for someone else at a deadend minimum wage job.  He worked one summer helping out a friend with his mowing business &amp; saw the big demand for such services.  Next season he started his own business &amp; it has grown every year.  (I am jealous because he gets the winter off to lounge around, lol!)  That was the best move he has ever made.</p>
<p>Find a need, &amp; fill it&#8230;rural or urban that is the key!</p>
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		<title>By: Sane</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-4/#comment-918603</link>
		<dc:creator>Sane</dc:creator>
		<pubDate>Tue, 20 Jul 2010 14:49:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-918603</guid>
		<description>I feel for Minimum wage, opportunity for the disadvantaged and lower class just doesn&#039;t exist in America.

Don&#039;t let these Right Wingers get you down.</description>
		<content:encoded><![CDATA[<p>I feel for Minimum wage, opportunity for the disadvantaged and lower class just doesn&#8217;t exist in America.</p>
<p>Don&#8217;t let these Right Wingers get you down.</p>
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		<title>By: aaron</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-4/#comment-915650</link>
		<dc:creator>aaron</dc:creator>
		<pubDate>Thu, 24 Jun 2010 03:34:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-915650</guid>
		<description>&quot;If you’re working a minimum wage job, either you’re very young, very lazy, or very unlucky&quot;

wow! what a limited world view. and usually I think you make a lot of sense.  step outside of your little bubble once and a while.  minimum wage earners many times work harder for a living than you and me.</description>
		<content:encoded><![CDATA[<p>&#8220;If you’re working a minimum wage job, either you’re very young, very lazy, or very unlucky&#8221;</p>
<p>wow! what a limited world view. and usually I think you make a lot of sense.  step outside of your little bubble once and a while.  minimum wage earners many times work harder for a living than you and me.</p>
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		<title>By: Sandy L</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-4/#comment-876858</link>
		<dc:creator>Sandy L</dc:creator>
		<pubDate>Tue, 09 Mar 2010 10:12:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-876858</guid>
		<description>Wow.. I was just about to comment about how my minimum wage job in high school was one of my best life lessons..I quickly did some math on how many hours I&#039;d have to work to pay for an apartment and car and it was like 80 hours a week.

But after the minimum wage comments, I must chime in with my other comments:

-I didn&#039;t make minimum wage for long. I went to a restaurant at 17 and made $80-$100/shift in tips.

-I worked as many hours as I could to get ahead..Some weeks that was 80 or 90.. I had as many as 3 jobs in college.

-Financial aid is available to those who need it.

-My mother came to America at 36 with no language skills or education and worked minimum wage her whole career. She managed to raise me, pay for a house in cash, send me to private school for 12 years and even has a retirement income. I won&#039;t bore you with all we gave up because the list is a mile long. She also worked overtime every chance she could get.

-Immigrants can teach you a few things, minimum wage. 

They work LOTS of hours. 
They live together to save money and share expenses. 
They do any/all work that is available to them. They don&#039;t get into debt. 
They give generously to their families back in their home countries. 
They don&#039;t whine about lack of opportunities because they have some perspective. They know what a life without any chance of getting ahead is really like...and it&#039;s not a life in the US.

I&#039;m working with a Ukranian upholsterer right now and the guy has a full time job at a factory and 2 side businesses. I asked my husband, how many hours do you think this guy works? &quot;All of them&quot;.  This guy is uneducated, speaks broken English, but he drove up to my house in a brand new Mercedes the other day.  Do you think this guy knew anything about making ice cream, extruding plastic parts or even upholstering when he got here. Hell no.

Minimum wage, I&#039;m really sorry you didn&#039;t have an immigrant upbringing. It would have done you some good.</description>
		<content:encoded><![CDATA[<p>Wow.. I was just about to comment about how my minimum wage job in high school was one of my best life lessons..I quickly did some math on how many hours I&#8217;d have to work to pay for an apartment and car and it was like 80 hours a week.</p>
<p>But after the minimum wage comments, I must chime in with my other comments:</p>
<p>-I didn&#8217;t make minimum wage for long. I went to a restaurant at 17 and made $80-$100/shift in tips.</p>
<p>-I worked as many hours as I could to get ahead..Some weeks that was 80 or 90.. I had as many as 3 jobs in college.</p>
<p>-Financial aid is available to those who need it.</p>
<p>-My mother came to America at 36 with no language skills or education and worked minimum wage her whole career. She managed to raise me, pay for a house in cash, send me to private school for 12 years and even has a retirement income. I won&#8217;t bore you with all we gave up because the list is a mile long. She also worked overtime every chance she could get.</p>
<p>-Immigrants can teach you a few things, minimum wage. </p>
<p>They work LOTS of hours.<br />
They live together to save money and share expenses.<br />
They do any/all work that is available to them. They don&#8217;t get into debt.<br />
They give generously to their families back in their home countries.<br />
They don&#8217;t whine about lack of opportunities because they have some perspective. They know what a life without any chance of getting ahead is really like&#8230;and it&#8217;s not a life in the US.</p>
<p>I&#8217;m working with a Ukranian upholsterer right now and the guy has a full time job at a factory and 2 side businesses. I asked my husband, how many hours do you think this guy works? &#8220;All of them&#8221;.  This guy is uneducated, speaks broken English, but he drove up to my house in a brand new Mercedes the other day.  Do you think this guy knew anything about making ice cream, extruding plastic parts or even upholstering when he got here. Hell no.</p>
<p>Minimum wage, I&#8217;m really sorry you didn&#8217;t have an immigrant upbringing. It would have done you some good.</p>
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		<title>By: kristine</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-4/#comment-788320</link>
		<dc:creator>kristine</dc:creator>
		<pubDate>Sat, 10 Oct 2009 21:01:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-788320</guid>
		<description>Just a note: why not use welfare/food stamps if you need it? Your taxes paid for it! There should be no more social stigma to that then collecting social security. Both are paid for entitlements. I have worked at a food kitchen, and the &quot;Christian&quot; thing to do is help, not judge.

Minimum Wage does seem like he has a huge chip on his shoulder. Truth is, if he were a woman, he&#039;d have more options. He could be a stripper on weekends to meet tuition! I had a friend who put herself through college this way (really- a friend, not me), and you&#039;d be surprised at the number of women who worked to compensate for dead-beat dads and lo-wage jobs. One woman was a teacher, with a special needs child, and for whatever reason have insurance would not cover her son&#039;s needs. I would never judge someone doing whatever they could to care for their child, or rise above.

There is a story for every person out there, and blanket statements like &quot;lazy, young, or unlucky&quot; are not generous of heart. I guess &quot;unlucky&quot; is the least denigrating, but even so, we live in a capitalist system, which relies upon winners and losers to make the wheels go round. To say everyone can financially thrive if determined, is to say something contrary to the economic system we have chosen. Stockholders have a vested interest in preserving the minimum wage class size.</description>
		<content:encoded><![CDATA[<p>Just a note: why not use welfare/food stamps if you need it? Your taxes paid for it! There should be no more social stigma to that then collecting social security. Both are paid for entitlements. I have worked at a food kitchen, and the &#8220;Christian&#8221; thing to do is help, not judge.</p>
<p>Minimum Wage does seem like he has a huge chip on his shoulder. Truth is, if he were a woman, he&#8217;d have more options. He could be a stripper on weekends to meet tuition! I had a friend who put herself through college this way (really- a friend, not me), and you&#8217;d be surprised at the number of women who worked to compensate for dead-beat dads and lo-wage jobs. One woman was a teacher, with a special needs child, and for whatever reason have insurance would not cover her son&#8217;s needs. I would never judge someone doing whatever they could to care for their child, or rise above.</p>
<p>There is a story for every person out there, and blanket statements like &#8220;lazy, young, or unlucky&#8221; are not generous of heart. I guess &#8220;unlucky&#8221; is the least denigrating, but even so, we live in a capitalist system, which relies upon winners and losers to make the wheels go round. To say everyone can financially thrive if determined, is to say something contrary to the economic system we have chosen. Stockholders have a vested interest in preserving the minimum wage class size.</p>
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		<title>By: Chris</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-4/#comment-780864</link>
		<dc:creator>Chris</dc:creator>
		<pubDate>Fri, 25 Sep 2009 12:48:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-780864</guid>
		<description>Read Scratch Beginnings: Me, $25, and the Search for the American Dream by Adam Shepard

http://www.amazon.com/Scratch-Beginnings-Search-American-Dream/dp/0061714364/ref=sr_1_1?ie=UTF8&amp;s=books&amp;qid=1253882743&amp;sr=1-1

I think you would be quite surprised at what he did and what he was able to accomplish.</description>
		<content:encoded><![CDATA[<p>Read Scratch Beginnings: Me, $25, and the Search for the American Dream by Adam Shepard</p>
<p><a href="http://www.amazon.com/Scratch-Beginnings-Search-American-Dream/dp/0061714364/ref=sr_1_1?ie=UTF8&#038;s=books&#038;qid=1253882743&#038;sr=1-1" rel="nofollow">http://www.amazon.com/Scratch-Beginnings-Search-American-Dream/dp/0061714364/ref=sr_1_1?ie=UTF8&#038;s=books&#038;qid=1253882743&#038;sr=1-1</a></p>
<p>I think you would be quite surprised at what he did and what he was able to accomplish.</p>
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		<title>By: Ken</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-4/#comment-767912</link>
		<dc:creator>Ken</dc:creator>
		<pubDate>Tue, 01 Sep 2009 19:30:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-767912</guid>
		<description>Now -- helpful. I work on a university campus and this atmosphere appears ideal for such a person. While there are minimum wage jobs here ( always ), after six months of full-time employment, you can attend school for FREE! You could live in on-campus housing ( includes, all utilities, cable and internet ) for under $600/month. No need for a car -- walk to work and educate yourself! A definite thought for those feeling downtrodden.</description>
		<content:encoded><![CDATA[<p>Now &#8212; helpful. I work on a university campus and this atmosphere appears ideal for such a person. While there are minimum wage jobs here ( always ), after six months of full-time employment, you can attend school for FREE! You could live in on-campus housing ( includes, all utilities, cable and internet ) for under $600/month. No need for a car &#8212; walk to work and educate yourself! A definite thought for those feeling downtrodden.</p>
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		<title>By: Ken</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-3/#comment-764910</link>
		<dc:creator>Ken</dc:creator>
		<pubDate>Fri, 28 Aug 2009 20:13:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-764910</guid>
		<description>I see help and support and suggestions yet at no point do I see &quot;Minimum Wage&quot; simply layout ALL of the facts: how old? what job? how long? payrate? taxes? rent? expenses? creditor that garnishes wages; I would REALLY like to know who that is! I think this is all yet another futile attempt by well-meaning people to help another vaporous, internet troll. Minimum Wage, you want help? Tell us EVERYTHING about yourself! Education, criminal record, job, skills, pay, expenses, city where you live. You want help? The knowledge here is vast. Either pony-up with the info or grow-up and move along.</description>
		<content:encoded><![CDATA[<p>I see help and support and suggestions yet at no point do I see &#8220;Minimum Wage&#8221; simply layout ALL of the facts: how old? what job? how long? payrate? taxes? rent? expenses? creditor that garnishes wages; I would REALLY like to know who that is! I think this is all yet another futile attempt by well-meaning people to help another vaporous, internet troll. Minimum Wage, you want help? Tell us EVERYTHING about yourself! Education, criminal record, job, skills, pay, expenses, city where you live. You want help? The knowledge here is vast. Either pony-up with the info or grow-up and move along.</p>
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		<title>By: Steph</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-3/#comment-759279</link>
		<dc:creator>Steph</dc:creator>
		<pubDate>Fri, 21 Aug 2009 21:06:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-759279</guid>
		<description>I have to say, Trent- you&#039;ve got it right. Totally. 100%. I think this article is really positive, and it is definitely nice to know. You&#039;ve actually inspired me to write my own blog, and this blog actually helped land me some freelance writing gigs! So you&#039;re articles have helped me save and even earn money too- thanks a bunch!</description>
		<content:encoded><![CDATA[<p>I have to say, Trent- you&#8217;ve got it right. Totally. 100%. I think this article is really positive, and it is definitely nice to know. You&#8217;ve actually inspired me to write my own blog, and this blog actually helped land me some freelance writing gigs! So you&#8217;re articles have helped me save and even earn money too- thanks a bunch!</p>
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		<title>By: Jennifer</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-3/#comment-709308</link>
		<dc:creator>Jennifer</dc:creator>
		<pubDate>Fri, 26 Jun 2009 23:24:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-709308</guid>
		<description>Minimum Wage-
(first, sorry if i repeat anything that may have been said already...))

To me, it sounds like you are still making excuses. 
-First, as was mentioned in the article, you can be put on welfare. If all you make is minimum wage and have no health insurance, you can get SOMETHING. 
-Also, when it comes to relocating, MANY places offer &quot;no deposit&quot; or &quot;first month free&quot; offers. And even if you saved $5 a month, you could save up for a bus ticket pretty quickly. 
-Schooling. Two words: PELL GRANTS. If you go to a community college and make minimum wage or less (because of lack of hours) then you will more than likely have it entirely paid for. 
-I also agree with what was mentioned in the general discussion about just getting a NEW job. There are plenty of places who offer more than minimum wage, for people who have little or no experience. You just have to actually look. You seem to have access to a computer, if you spent an hour here and there looking online for jobs, i guarentee you will find something. I have gotten more than one job just by &quot;trying to apply&quot; online, with NO experience in the field. 
-As a side note, *I* dont drive (i&#039;m unable to) and have always gotten to my jobs one way or another. Walk, ride buses, or simply make friends with someone at the work who is willing to split some gas. Not having that car will save you soooooo much money. 

Excuses dont help anyone, and coming from people-myself included-who HAVE done it, excuses just make you sound silly.</description>
		<content:encoded><![CDATA[<p>Minimum Wage-<br />
(first, sorry if i repeat anything that may have been said already&#8230;))</p>
<p>To me, it sounds like you are still making excuses.<br />
-First, as was mentioned in the article, you can be put on welfare. If all you make is minimum wage and have no health insurance, you can get SOMETHING.<br />
-Also, when it comes to relocating, MANY places offer &#8220;no deposit&#8221; or &#8220;first month free&#8221; offers. And even if you saved $5 a month, you could save up for a bus ticket pretty quickly.<br />
-Schooling. Two words: PELL GRANTS. If you go to a community college and make minimum wage or less (because of lack of hours) then you will more than likely have it entirely paid for.<br />
-I also agree with what was mentioned in the general discussion about just getting a NEW job. There are plenty of places who offer more than minimum wage, for people who have little or no experience. You just have to actually look. You seem to have access to a computer, if you spent an hour here and there looking online for jobs, i guarentee you will find something. I have gotten more than one job just by &#8220;trying to apply&#8221; online, with NO experience in the field.<br />
-As a side note, *I* dont drive (i&#8217;m unable to) and have always gotten to my jobs one way or another. Walk, ride buses, or simply make friends with someone at the work who is willing to split some gas. Not having that car will save you soooooo much money. </p>
<p>Excuses dont help anyone, and coming from people-myself included-who HAVE done it, excuses just make you sound silly.</p>
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		<title>By: Mia</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-3/#comment-672587</link>
		<dc:creator>Mia</dc:creator>
		<pubDate>Mon, 25 May 2009 01:50:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-672587</guid>
		<description>Interesting post.  I clicked on the link because I was hoping to get some helpful hints for myself.  While I make more than minimum wage, I am looking for smarter ways to use my income to make it stretch further.  I do agree with the first tip to some extent. You don&#039;t necessarily have to live in a pasture to go &quot;rural&quot; :).  As someone noted in the comments, you can simply move south.  The median home prices are much cheaper.  You can easily purchase a decent home in a decent neighborhood for under $100k in the southern states and you don&#039;t have to live in the sticks.  

I do want to point out that sometimes trying to find a better paying job is not the answer.  If you truly feel as though you have no marketable skills, or your age is a limitation to having someone hire you, why not start your own business? Earlier in the comments someone presented several good options that could quickly turn into a small business (i.e. cleaning parking lots, washing windows).  Many a small business has been started by someone trying to make ends meet with a side-gig.  Who knows - if your business takes over now you have an opportunity to offer employment to others who are in your situation.</description>
		<content:encoded><![CDATA[<p>Interesting post.  I clicked on the link because I was hoping to get some helpful hints for myself.  While I make more than minimum wage, I am looking for smarter ways to use my income to make it stretch further.  I do agree with the first tip to some extent. You don&#8217;t necessarily have to live in a pasture to go &#8220;rural&#8221; :).  As someone noted in the comments, you can simply move south.  The median home prices are much cheaper.  You can easily purchase a decent home in a decent neighborhood for under $100k in the southern states and you don&#8217;t have to live in the sticks.  </p>
<p>I do want to point out that sometimes trying to find a better paying job is not the answer.  If you truly feel as though you have no marketable skills, or your age is a limitation to having someone hire you, why not start your own business? Earlier in the comments someone presented several good options that could quickly turn into a small business (i.e. cleaning parking lots, washing windows).  Many a small business has been started by someone trying to make ends meet with a side-gig.  Who knows &#8211; if your business takes over now you have an opportunity to offer employment to others who are in your situation.</p>
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		<title>By: Liz</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-3/#comment-576434</link>
		<dc:creator>Liz</dc:creator>
		<pubDate>Mon, 16 Mar 2009 22:06:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-576434</guid>
		<description>After reading through almost all of the comments here, I agree with Kat #75 and Lotus #145. I know a few people (some in my own family) who no matter what you suggest regarding things they can do to help or improve themselves, even when it&#039;s presented gently and respectfully, they immediately reply that they can&#039;t. It can be something as simple as borrowing a book from the library on a subject that interests them, something that doesn&#039;t cost anything, and still they will offer a lame excuse as to why they can&#039;t do it. As the Marines say, &quot;Can&#039;t Means Won&#039;t.&quot;

It may sound hard-hearted, but frankly, I&#039;ve stopped even listening to them because I honestly feel they don&#039;t really want to do anything for themselves, they just want to complain to everyone within earshot about their problems.

It&#039;s Minimum Wage&#039;s choice, of course, to have that kind of attitude, but he should also keep in mind that for most people, it&#039;s a major turnoff. No one wants to hear an endless litany of problems from someone who won&#039;t make any effort to help themselves, and that&#039;s true whether it&#039;s the person standing next to you at the bus stop to the person who sits in a corner office. That kind of attitude tends to alienate everyone; the very people, I would add, who might be able to help you - to help you cope, or to share some food, or maybe to find you another job.

For every person such as Minimum Wage, there are three others who are in the same kind of financial predicament, but because of their drive, attitude and positive outlook (and I don&#039;t mean denying the realities of the situation, I mean facing it with as much optimism as you can muster) have improved their lives tremendously.

And by the way, ramen noodles are not only loaded with more sodium than anyone needs, they also have a huge fat content. Even regular bargain-basement spaghetti doesn&#039;t have all that salt and calories!</description>
		<content:encoded><![CDATA[<p>After reading through almost all of the comments here, I agree with Kat #75 and Lotus #145. I know a few people (some in my own family) who no matter what you suggest regarding things they can do to help or improve themselves, even when it&#8217;s presented gently and respectfully, they immediately reply that they can&#8217;t. It can be something as simple as borrowing a book from the library on a subject that interests them, something that doesn&#8217;t cost anything, and still they will offer a lame excuse as to why they can&#8217;t do it. As the Marines say, &#8220;Can&#8217;t Means Won&#8217;t.&#8221;</p>
<p>It may sound hard-hearted, but frankly, I&#8217;ve stopped even listening to them because I honestly feel they don&#8217;t really want to do anything for themselves, they just want to complain to everyone within earshot about their problems.</p>
<p>It&#8217;s Minimum Wage&#8217;s choice, of course, to have that kind of attitude, but he should also keep in mind that for most people, it&#8217;s a major turnoff. No one wants to hear an endless litany of problems from someone who won&#8217;t make any effort to help themselves, and that&#8217;s true whether it&#8217;s the person standing next to you at the bus stop to the person who sits in a corner office. That kind of attitude tends to alienate everyone; the very people, I would add, who might be able to help you &#8211; to help you cope, or to share some food, or maybe to find you another job.</p>
<p>For every person such as Minimum Wage, there are three others who are in the same kind of financial predicament, but because of their drive, attitude and positive outlook (and I don&#8217;t mean denying the realities of the situation, I mean facing it with as much optimism as you can muster) have improved their lives tremendously.</p>
<p>And by the way, ramen noodles are not only loaded with more sodium than anyone needs, they also have a huge fat content. Even regular bargain-basement spaghetti doesn&#8217;t have all that salt and calories!</p>
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		<title>By: Lotus</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-3/#comment-447824</link>
		<dc:creator>Lotus</dc:creator>
		<pubDate>Wed, 24 Dec 2008 03:48:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-447824</guid>
		<description>Minimum Wage- if you had a different educational background you could have parroted my Mom&#039;s situation exactly (she has defaulted student loans, etc).

You guys even say some of the same things- no one will hire you because of your age. You know what? I hire people and I wouldn&#039;t hire her- or you, probably- because of your attitude. 

I had to make up the difference for my Mom when I was a teenager- if you think it&#039;s hard to make cash when you&#039;re 50 something, it&#039;s a lot harder at 13 when people are violating labor laws when they hire you.

If you don&#039;t have enough money, get off your butt and make it. The people on here have been very nice giving you advice and support. The only one who can change your situation is YOU.

Offer to clean parking lots on your way to and from work.

Sign up to work part time with a cleaning company. A lot of them hire part-time extra help.

You can teach english in Japan of Korea, travel, and save some money at the same time.

Window cleaning makes good money and takes almost no start up. I cleaned windows through college. If you go crazy with start up you can spend a whopping two hundred dollars- a large porcupine and a medium one, some lint-free cloths and two good squeegees will get you started. You can use a couple of drops of dishwashing liquid in a gallon of water as your solution- it dosen&#039;t terribly matter, scrubbing gets the stuff off and the squeegees clean.

 Go door to door, hand out some post cards (you can get post cards printed up from online printers for $20 or less). Charge 2-5 a window pane, that&#039;s the going rate, depending on where you live. Large chunks of glass take just as long as small pieces of glass. You should make between $60 and $100 an hour. Many small businesses and churches will hire you if you just show up. 

I did all of that in a small town with no car. I just got a ride or walked to rich areas of town and then knocked on every door. If you get good at the windows, you can get someone else to do the door knocking, and vice versa. 

If you need to make money without having any money, put an ad up in your local craigslist and on a few message boards offering to do odd jobs.

It&#039;s not that you&#039;re trapped in your circumstances. I was raised by parents below the poverty line, everyone I grew up with was on food stamps and making minimum wage. The only difference between those of us that got out and those of us that didn&#039;t was attitude.

Trash pick. Dumpster dive and sell what you get on eBay. Collect tin cans and turn them in for money. Get another job that HAS some upward potential. Stop wringing your damn hands and complaining that there&#039;s nothing you can do.

And yes, I say the same thing to my Mom. Stop whining. If you have time to spend online complaining about people who are trying to make their lives better by swearing that it&#039;s impossible, you have the time to take a walk in your area and either try to work up some business or find something to make a little extra cash to help you get out of your predicament.</description>
		<content:encoded><![CDATA[<p>Minimum Wage- if you had a different educational background you could have parroted my Mom&#8217;s situation exactly (she has defaulted student loans, etc).</p>
<p>You guys even say some of the same things- no one will hire you because of your age. You know what? I hire people and I wouldn&#8217;t hire her- or you, probably- because of your attitude. </p>
<p>I had to make up the difference for my Mom when I was a teenager- if you think it&#8217;s hard to make cash when you&#8217;re 50 something, it&#8217;s a lot harder at 13 when people are violating labor laws when they hire you.</p>
<p>If you don&#8217;t have enough money, get off your butt and make it. The people on here have been very nice giving you advice and support. The only one who can change your situation is YOU.</p>
<p>Offer to clean parking lots on your way to and from work.</p>
<p>Sign up to work part time with a cleaning company. A lot of them hire part-time extra help.</p>
<p>You can teach english in Japan of Korea, travel, and save some money at the same time.</p>
<p>Window cleaning makes good money and takes almost no start up. I cleaned windows through college. If you go crazy with start up you can spend a whopping two hundred dollars- a large porcupine and a medium one, some lint-free cloths and two good squeegees will get you started. You can use a couple of drops of dishwashing liquid in a gallon of water as your solution- it dosen&#8217;t terribly matter, scrubbing gets the stuff off and the squeegees clean.</p>
<p> Go door to door, hand out some post cards (you can get post cards printed up from online printers for $20 or less). Charge 2-5 a window pane, that&#8217;s the going rate, depending on where you live. Large chunks of glass take just as long as small pieces of glass. You should make between $60 and $100 an hour. Many small businesses and churches will hire you if you just show up. </p>
<p>I did all of that in a small town with no car. I just got a ride or walked to rich areas of town and then knocked on every door. If you get good at the windows, you can get someone else to do the door knocking, and vice versa. </p>
<p>If you need to make money without having any money, put an ad up in your local craigslist and on a few message boards offering to do odd jobs.</p>
<p>It&#8217;s not that you&#8217;re trapped in your circumstances. I was raised by parents below the poverty line, everyone I grew up with was on food stamps and making minimum wage. The only difference between those of us that got out and those of us that didn&#8217;t was attitude.</p>
<p>Trash pick. Dumpster dive and sell what you get on eBay. Collect tin cans and turn them in for money. Get another job that HAS some upward potential. Stop wringing your damn hands and complaining that there&#8217;s nothing you can do.</p>
<p>And yes, I say the same thing to my Mom. Stop whining. If you have time to spend online complaining about people who are trying to make their lives better by swearing that it&#8217;s impossible, you have the time to take a walk in your area and either try to work up some business or find something to make a little extra cash to help you get out of your predicament.</p>
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		<title>By: Max</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-3/#comment-421788</link>
		<dc:creator>Max</dc:creator>
		<pubDate>Tue, 18 Nov 2008 01:30:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-421788</guid>
		<description>How can you move to a cheap rural area (especially here in North Carolina) and get to work, grocery store, etc. without a car? Ridiculous. Better to stay in town and have a house/room mate and be on the bus system at least. There are LOTS of reasons to be on minimum wage. Adult student? Hours compatible with childcare? Don&#039;t be so hasty to judge. Who would work long hours with little pay and probably few benefits if they didn&#039;t have to? PLEASE. 

My husband and I drive old cars we paid cash for. He is handy with tools, but some people aren&#039;t. Give them a break.

The best advice? Don&#039;t use credit cards!!!!</description>
		<content:encoded><![CDATA[<p>How can you move to a cheap rural area (especially here in North Carolina) and get to work, grocery store, etc. without a car? Ridiculous. Better to stay in town and have a house/room mate and be on the bus system at least. There are LOTS of reasons to be on minimum wage. Adult student? Hours compatible with childcare? Don&#8217;t be so hasty to judge. Who would work long hours with little pay and probably few benefits if they didn&#8217;t have to? PLEASE. </p>
<p>My husband and I drive old cars we paid cash for. He is handy with tools, but some people aren&#8217;t. Give them a break.</p>
<p>The best advice? Don&#8217;t use credit cards!!!!</p>
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		<title>By: tiphaine</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-3/#comment-421253</link>
		<dc:creator>tiphaine</dc:creator>
		<pubDate>Mon, 17 Nov 2008 15:39:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-421253</guid>
		<description>I work in a non profit. My salary is small, but comes with a big discount on the rent (appreciable in New York City!!!)
and I get the food pantry benefit.
I&#039;m not ashame to get that free food and plan meals around it.
My husband is very proud and gourmet but he&#039;s getting to like it :)
A smile and some good will makes everything a lot richer :)</description>
		<content:encoded><![CDATA[<p>I work in a non profit. My salary is small, but comes with a big discount on the rent (appreciable in New York City!!!)<br />
and I get the food pantry benefit.<br />
I&#8217;m not ashame to get that free food and plan meals around it.<br />
My husband is very proud and gourmet but he&#8217;s getting to like it :)<br />
A smile and some good will makes everything a lot richer :)</p>
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		<title>By: Deos</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-3/#comment-406438</link>
		<dc:creator>Deos</dc:creator>
		<pubDate>Fri, 31 Oct 2008 15:17:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-406438</guid>
		<description>I once heard a friend of mine say that there was no way someone could live on minimum wage.  I disagree wholeheartedly.  It takes determination and discipline to overcome and persevere.

I work 3 jobs, totaling an average of 80 hours a week.  I am attending the local community college with 13 credit hours.  Depending on the week, I make anywhere between $400-700/wk (take-home).  I waste a LOT of money... but that&#039;s because I have a lot of things taken care of for me (health ins, rent, food, school) I&#039;m 21 years old and have a little over 40,000 invested.  I know when I finish school, I&#039;ll begin to make sacrifices regarding my lifestyle since it will be MY wallet I&#039;m digging into, but I&#039;ll do it anyways.

My goal is to have enough invested by age 35 to be able to work for my passion and not for my paycheck.</description>
		<content:encoded><![CDATA[<p>I once heard a friend of mine say that there was no way someone could live on minimum wage.  I disagree wholeheartedly.  It takes determination and discipline to overcome and persevere.</p>
<p>I work 3 jobs, totaling an average of 80 hours a week.  I am attending the local community college with 13 credit hours.  Depending on the week, I make anywhere between $400-700/wk (take-home).  I waste a LOT of money&#8230; but that&#8217;s because I have a lot of things taken care of for me (health ins, rent, food, school) I&#8217;m 21 years old and have a little over 40,000 invested.  I know when I finish school, I&#8217;ll begin to make sacrifices regarding my lifestyle since it will be MY wallet I&#8217;m digging into, but I&#8217;ll do it anyways.</p>
<p>My goal is to have enough invested by age 35 to be able to work for my passion and not for my paycheck.</p>
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		<title>By: Steve</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-3/#comment-386851</link>
		<dc:creator>Steve</dc:creator>
		<pubDate>Sat, 04 Oct 2008 16:16:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-386851</guid>
		<description>My favorite part was to see &quot;Minimum Wage&quot; show up and make a comment - comment# 29! LOL! What a response after that!
(In a way, this proves that if you hang on tough and stick it out, it works out in the end... it took reading 29 comments, but it happened! I will come back for the rest of the comments later.)</description>
		<content:encoded><![CDATA[<p>My favorite part was to see &#8220;Minimum Wage&#8221; show up and make a comment &#8211; comment# 29! LOL! What a response after that!<br />
(In a way, this proves that if you hang on tough and stick it out, it works out in the end&#8230; it took reading 29 comments, but it happened! I will come back for the rest of the comments later.)</p>
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		<title>By: Average Wage</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-3/#comment-331871</link>
		<dc:creator>Average Wage</dc:creator>
		<pubDate>Sat, 19 Jul 2008 16:19:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-331871</guid>
		<description>Don&#039;t be hard on Minimum Wage. I was there and can relate. Sometimes I felt stuck and even settled for less than minimum wage because I was afraid of losing my job if I didn&#039;t compromise. Growing up with a single welfare mom and not having done well in school, I didn&#039;t expect much. Eventually I got tired of it all, went to school and got a series of degrees. I did get a better job through this experience ... but I did my education entirely on loans and find I&#039;m sometimes tighter with my money now than I was back then even though I make a lot more. Sometimes it&#039;s not what you make, but what you do with it. I think that&#039;s the whole point of frugal living... unless you are truly destitute (i.e. no income or support), then no matter what your situation there are things you can do. 

Sometimes the relativity of peoples relationships with money amazes me. I know of a couple with one wage earner who makes about 4 times what I make and they often starve or go without electricity because of bad money choices (Most of their money goes to paying fees and penalties to various financial institutions and collection agencies, much of the rest goes to gambling, alcohol, or drugs). They consider themselves &quot;below poverty&quot; even though they make $120k per year. I also know a teacher who makes $29k a year who is frugal and manages to travel internationally at least 2 or 3 months out of the year and also owns her own home without any debt because she is very resourceful and not afraid to ask for what she wants (she gets a lot second-hand and often swaps favors). 

Oh, and the people who I know who had the most success going from minimum wage to financial solvency did vocational programs at community colleges. I got a master&#039;s degree and make about $15-20k less than most of those individuals with more technical skills in our area (mainly because my programs were too generalist). You can usually do community college with little or no debt load. Just get a focused and marketable technical degree and not a more general academic one.</description>
		<content:encoded><![CDATA[<p>Don&#8217;t be hard on Minimum Wage. I was there and can relate. Sometimes I felt stuck and even settled for less than minimum wage because I was afraid of losing my job if I didn&#8217;t compromise. Growing up with a single welfare mom and not having done well in school, I didn&#8217;t expect much. Eventually I got tired of it all, went to school and got a series of degrees. I did get a better job through this experience &#8230; but I did my education entirely on loans and find I&#8217;m sometimes tighter with my money now than I was back then even though I make a lot more. Sometimes it&#8217;s not what you make, but what you do with it. I think that&#8217;s the whole point of frugal living&#8230; unless you are truly destitute (i.e. no income or support), then no matter what your situation there are things you can do. </p>
<p>Sometimes the relativity of peoples relationships with money amazes me. I know of a couple with one wage earner who makes about 4 times what I make and they often starve or go without electricity because of bad money choices (Most of their money goes to paying fees and penalties to various financial institutions and collection agencies, much of the rest goes to gambling, alcohol, or drugs). They consider themselves &#8220;below poverty&#8221; even though they make $120k per year. I also know a teacher who makes $29k a year who is frugal and manages to travel internationally at least 2 or 3 months out of the year and also owns her own home without any debt because she is very resourceful and not afraid to ask for what she wants (she gets a lot second-hand and often swaps favors). </p>
<p>Oh, and the people who I know who had the most success going from minimum wage to financial solvency did vocational programs at community colleges. I got a master&#8217;s degree and make about $15-20k less than most of those individuals with more technical skills in our area (mainly because my programs were too generalist). You can usually do community college with little or no debt load. Just get a focused and marketable technical degree and not a more general academic one.</p>
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		<title>By: resa</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-3/#comment-323746</link>
		<dc:creator>resa</dc:creator>
		<pubDate>Wed, 09 Jul 2008 21:39:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-323746</guid>
		<description>*as one in Oregon. oops


and MW you are not alone. In fact I envy you because you have $100 to spare for health care.</description>
		<content:encoded><![CDATA[<p>*as one in Oregon. oops</p>
<p>and MW you are not alone. In fact I envy you because you have $100 to spare for health care.</p>
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		<title>By: resa</title>
		<link>http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/comment-page-3/#comment-323742</link>
		<dc:creator>resa</dc:creator>
		<pubDate>Wed, 09 Jul 2008 21:29:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2007/10/07/ten-steps-to-financial-success-for-a-minimum-wage-earner/#comment-323742</guid>
		<description>Keep in mind when remembering the &quot;good old days&quot; of our single mothers raising us on that job, that now there are more strict hiring practices for most of the jobs she once held (for example, receptionists in most major corporations now must have a BA, preschool assistants must have licensing and some education for work with children, etc, etc) and that the cost of living is higher now than it was then.

My grandfather became the vice president of his engineering firm, ona third-grade education, and managed to feed, clothe, and house five children even before that, while earning minimum wage.

His house cost him two year&#039;s pay. If you actually knkow of a place in the US where a minimum wage worker can currently purchase a 4-bedroom home on farmland for two year&#039;s pay, I&#039;m all ears.


Things are more difficult in general now for the poor than they were in years past. That&#039;s not to say it&#039;s impossible to get more financial security, but when you&#039;re advocating things which demean the person (WIC? begging for handywork?ask MIL to pay for the kid&#039;s clothes? would YOU, personally, feel comfortable doing any of these things?) you should be aware that this isn&#039;t empowering for the minimum wage worker.

I&#039;d tell minmum wage to move to a place where the minimum wage goes further...except that, for example, here in Oregon minimum wage is higher by state standard than it is in Iowa. A waitress in Iowa does not earn as much in pay or tips as one in Iowa, so that strategy actually doesn&#039;t help.

I do agree that education is the surest way out, though. It&#039;s how I escaped. It took me until I was thirty, and I am still not affluent (not enough to have retirement money, health insurance, or any kind of investment beyond some small savings) but I am no longer struggling paycheck to paycheck, and the road ahead leads up not down.

Being frugal and getting education any way you can is the surest way out and up.</description>
		<content:encoded><![CDATA[<p>Keep in mind when remembering the &#8220;good old days&#8221; of our single mothers raising us on that job, that now there are more strict hiring practices for most of the jobs she once held (for example, receptionists in most major corporations now must have a BA, preschool assistants must have licensing and some education for work with children, etc, etc) and that the cost of living is higher now than it was then.</p>
<p>My grandfather became the vice president of his engineering firm, ona third-grade education, and managed to feed, clothe, and house five children even before that, while earning minimum wage.</p>
<p>His house cost him two year&#8217;s pay. If you actually knkow of a place in the US where a minimum wage worker can currently purchase a 4-bedroom home on farmland for two year&#8217;s pay, I&#8217;m all ears.</p>
<p>Things are more difficult in general now for the poor than they were in years past. That&#8217;s not to say it&#8217;s impossible to get more financial security, but when you&#8217;re advocating things which demean the person (WIC? begging for handywork?ask MIL to pay for the kid&#8217;s clothes? would YOU, personally, feel comfortable doing any of these things?) you should be aware that this isn&#8217;t empowering for the minimum wage worker.</p>
<p>I&#8217;d tell minmum wage to move to a place where the minimum wage goes further&#8230;except that, for example, here in Oregon minimum wage is higher by state standard than it is in Iowa. A waitress in Iowa does not earn as much in pay or tips as one in Iowa, so that strategy actually doesn&#8217;t help.</p>
<p>I do agree that education is the surest way out, though. It&#8217;s how I escaped. It took me until I was thirty, and I am still not affluent (not enough to have retirement money, health insurance, or any kind of investment beyond some small savings) but I am no longer struggling paycheck to paycheck, and the road ahead leads up not down.</p>
<p>Being frugal and getting education any way you can is the surest way out and up.</p>
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