How to Live Without a Job

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Congratulations, you’ve just received notice that you are about to have no job. What a terrible way to celebrate during the holidays. Unfortunately, many people across the country are getting such news. In spite of a widely celebrated recovering economy,  many people are finding that for their own personal household economy, things won’t get better for them in 2019, but rather, they’re about to get worse.

If this is your situation, you can do something beyond just experiencing the stress and anxiety that naturally comes with this situation. Having a heads up on how your situation is going to change can help you get your financial house in order, as best as you can, before your job is eliminated.

And, if even if your job is totally safe, and you work in a very stable field, you can still take steps to get your financial house in order, just in case you’re spending beyond your means. Being aware of how things can change for the worse can help you cope best when you need to know some tips from this link about how to live without a job.

About This Blog: Please feel free to share any information from this site, in part or in full, giving credit to the author and providing a link to this website. Fearless Faith is a blog dedicated to family, faith and frugality. All content is copyright of the author unless otherwise indicated.

How to Save Money on a Job Search

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When you’re actively searching for a job, you may be anxious to land a new gig, Especially if you’re unemployed, not having a job can create lots of stress – wondering how you’ll pay your rent, house payment, car payment, groceries, or even wondering where you’ll find the money to put gas in the car to get to an interview, or thinking about the cost of new interview clothes.

If you’ve ever been in a long, drawn out job search – one that lasted longer than you anticipated – you may have wondered if you should hire someone to write your resume. These ads for resume writers pop up online and can make you wonder if they’re of any help. Personally, I don’t know anyone (that I’m aware of) who has paid for such a service. However, your circumstances may be different. Maybe you work in a super-competitive industry where it’s common for people to hire someone to write their resumes. Or maybe you’ve been searching for so long that you feel desperate, discouraged, and not sure what to do next. Or, maybe you have a job, and you just want to make sure your resume is up and ready in case you find an opportunity that you might want to take a shot at.

When money is tight, you can save money on a job search. When money is non-existent, saving money is a must. Here are some tried and true techniques you can use, without hiring anyone, to make sure your resume is at its best.

Use Spellcheck

This might seem like a given, but spellcheck is a great help. However, it doesn’t catch everything. It won’t tell you when “theirs” and “there’s” are chosen for the wrong occasions, or when “its” and “it’s” are used in the wrong spots, but there is a lot that spellcheck can catch. Don’t forget to use it.

Pack It With Power

This is probably the most important thing to do when you’re giving your resume a once-over. Ask yourself if your resume has power – the power to show how awesome YOU are. Does it show what sets you apart from other people? Does it show your power in numbers- the number of people you’ve managed, the dollars you’ve saved, or other relevant amounts? Does it show your other achievements – the grants you’ve snagged for the organization, the kudos you’ve received, the recognition you’ve achieved, the people you’ve mentored, the committees you’ve been on? Your resume needs to be packed with power that shows you weren’t just present at each position, but that you were great when you were there.

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Print It Out & Sleep On It

When it comes to resumes, I’m old school – I like to print mine off after I give it a once-over. I guarantee you – no matter how often I spellcheck it, proofread it, look it over, change it, revise it – no matter how many times I do this, chances are, if I print it out and sleep on it, I will find something I can make better. It may be something tiny like a comma in a wrong place, or a bullet point that could get better. Or an accomplishment that could be re-worded. I would almost be willing to bet that the same will be true for you (unless you’ve revised your resume very recently). I believe the reason this technique works so well is because sleep recharges the mind, allows us to focus and solve problems subconsciously in our sleep, and lets us take a break from trying to solve the problem at hand. So, when you print out your resume, sleep on it, then come back to it with a pen in hand ready for editing, you too will probably find something that you can change and make stronger.

About This Blog: Please feel free to share any information from this site, in part or in full, giving credit to the author and providing a link to this website. Fearless Faith is a blog dedicated to family, faith and frugality. All content is copyright of the author unless otherwise indicated.

Staying on Budget at Christmastime

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Did you go shopping on “Black Friday”? Do you plan to look for deals on “Cyber Monday”? Either way you look at it, it’s official: the Christmas shopping season has begun.

Each of us is different when it comes to how Christmas spending impacts our wallets. Maybe for you, Christmas is a time of great fun and you don’t mind going into debt for Christmas spending. Or, maybe you do mind – and you mind greatly – so much so that Christmas shopping stresses you out!

Regardless of where you stand on Christmas spending this year, my hope is to give you a tip or trick here or there that you can use not just at Christmas, but all year round. Take what you want, and leave out the rest. Because I remember all too well a Christmas working in retail – with a great employee discount – and before I could wrap up all the presents, I had to instead decide which I would take back. I had gone overboard. It was so much fun picking the presents, but I couldn’t afford them! I had to return many gifts, before they were given.

There can be so much pressure with Christmas. Pressure to show how much you care with how much you spend. So, in general, here’s the strategy I use to have fun, without going overboard:

  • Before spending on anyone, decide the dollar amount you’ll be spending on everyone. If you have one gathering for immediate family, and a different gathering for extended family, and your spending is very different for the two groups, that’s fine, just decide before you buy what you’re spending on everyone. Write it down if you have to. For example, you might decide that spending on your immediate family is $100 per person, or that spending on your extended family will be $200 for the entire group.
  • As you look at how many dollars each person “gets”, think about the number of packages. I’m not saying this counts, but I know some people that are really bothered if one child gets two gifts, and the other gets four… even if the monetary value for both people is the same. If this is you, think before you buy so you don’t stress yourself out.  The holidays are supposed to be fun, and they’re not supposed to make you feel guilty because of your gift-giving skills.
  • Write down a list as you make your purchases and next to each item, write down how much was paid, so you can keep track.
  • If you go overboard like I did my year working retail, it’s ok to take some items back before you give them.

About This Blog: Please feel free to share any information from this site, in part or in full, giving credit to the author and providing a link to this website. Fearless Faith is a blog dedicated to family, faith and frugality. All content is copyright of the author unless otherwise indicated.

3 Bible Verses Every Millennial Should Claim

Fox News recently reported about a re-vamp of a popular board game. A longtime favorite for fun (and teaching about personal finance), there was nothing wrong with Monopoly the way it was, but the folks at Hasbro Gaming decided some changes had to be made to the classic game of Monopoly. So, they created “Monopoly for Millennials”.

You’d think maybe this was to account for increases of costs of living and inflation, but not so. You can see for yourself the upset reactions on Twitter as reported by the Blaze. In a nutshell, the “updates” made to the game have been received by many as yet another insult to Millennials, who are quite often the target of public scorn. Regardless of how you feel about the Millennial generation in general, here are some Bible verses I believe Millennials should claim over their lives and keep close to their hearts.

1 Timothy 4 :12  (NKJV) “Let no one despise your youth, but be an example to the believers in word, in conduct, in love, in spirit, in faith, in purity.” 

I’m reading this verse on Bible Gateway right now, and just above the verse, it says “Take Heed to Your Ministry.” Do you know what that implies? That you can have a ministry, and you can take care of it. Even if the culture at large wants to stereotype you in a negative way. Even if the news wants to portray your generation in a bad light. You can have a positive impact for Christ. 1 Timothy 4:12 says don’t let anyone drag you down because you’re young. Be an example for the believers. Show others what it means to be an example for the Lord. No matter what you’re doing. Even when others want to disparage you or talk negatively about you.

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Proverbs 16: 9 (NKJV) “A man’s heart plans his way But the LORD directs his steps.”

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As a millennial, you may have planned out your course for your post-college or post-high school life, and things might not have turned out how you planned. A setback that you weren’t prepared for whether it’s high student loan debt, a low starting salary after college, or inability to find any type of job in the field you studied – those are setbacks that a lot of Millennials are dealing with.

Even though we can all plan what we want to do through life, God directs our steps and can help us through the worst of circumstances. This goes for our entire lives, no matter what age we are, whether it’s relationships, career, finances, anything. An amazing example of this is over at the Catholic Mom’s Life channel on YouTube. While marriage may be the furthest thing from your mind, you can see how the Catholic Mom saw God ordering her steps when she tells her story of how she found the perfect guy – or so she thought, since they were engaged – and all along, it turns out that he was NOT the man for her. The Lord ordered her steps, and she eventually became engaged and married to the man she is now happily married to today. So for you, whatever your problem is, turn to the Lord for wisdom, and He can order your steps, no matter what your situation.

Proverbs 3:5-6 (NIV) “Trust in the LORD with all your heart and lean not on your own understanding; in all your ways submit to him and he will make your paths straight.”

Maybe you’re new to walking with Jesus and you’ve got some choices in your past that you wish you could change. As a Millennial, the good news is that time is on your side – your path is wide open ahead! You’ve got time to start living for the Lord if you haven’t been already.

Or maybe you’ve known the Lord your whole life, but you’re questioning why He’s allowed bad things to happen to you in your life while people who seem to care nothing about the things of the Lord are prospering. It may appear that you’re not getting a fair shake at things while people who care nothing about God are having the time of their lives. As Christians, we are encouraged to trust God as we only have limited information on why things are the way they are. We are never asked to put our trust in men, politicians, or the world’s systems to make things right. We are only asked to trust in God to help guide us through our lives.

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About This Blog: Please feel free to share any information from this site, in part or in full, giving credit to the author and providing a link to this website. Fearless Faith is a blog dedicated to family, faith and frugality. All content is copyright of the author unless otherwise indicated.

Dressing Modestly on a Budget: Women’s Edition

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Modesty is an interesting topic among Christian women. Depending on who you talk to, you might get a radically different definition of how to dress modestly. Some Christian women define dressing modestly by never wearing pants, or by never wearing skirts that don’t hit knee-length. Others cover their hair completely and wear very baggy clothing. In other circles, modesty is rarely, if ever, discussed. And, when it is discussed, the discussion of modesty is usually geared towards women, although modesty is not just for women – it is something for both sexes to think about.

This post will be geared towards the issues for women in modesty. Regardless of what your definition is for appropriate dress for yourself as a Christian woman, I believe that it does not have to be expensive to dress modestly. No matter where you are on the spectrum of modesty, we can all probably agree that modesty is not just about what you wear on the outside but what the position of your heart is. Modesty is not just about what you wear, but also about how you behave, what your reasons are, and what your intentions are. Choosing modesty helps us as both single and married Christian women guard our God-given beauty (and dressing modestly can help keep the wrong kind of men away who might show interest in us for the wrong reasons).

With that in mind, here are some practical guidelines for starting with a desire to express yourself with a modest wardrobe. If you’re re-evaluating your wardrobe, or if you’re changing your mindset, I hope this is a help to you. As Christian women, we should never judge one another based on appearance – only God knows our hearts and if we are truly trying to please Him or if we are just trying to put on a show to look good in front of others.

Dressing Modestly on a Budget

Outfits that used to be modest on you might not be modest now for various reasons. Maybe you’ve lost weight, gained weight, or maybe a pregnancy has caused a tiny human to take up residence inside you, and you’re going to be eating for two for a while! The mistakes made due to the care that a garment requires – dry cleaning only, perhaps? – can also shrink it up and make it inappropriate. What if what used to be a proper fitting top now shows a plunging pop of cleavage and a skirt that used to be an adequate length now just barely covers your derriere? Here’s a few things you might be able to do to try to adapt your clothes before tossing them out.

How to Change Tops That Show Too Much

For the v-neck tops that show too much of your breasts, try adding an infinity scarf to cover yourself. Especially when fall and winter get too crisp for me to stay warm, I love my infinity scarves. Shirts that might normally cover you just fine can budge throughout your day if you move, so check yourself in the mirror – does this happen to you? If “the girls” are popping out all day, they need to stay put! I love my infinity scarves because I can put one on and it not only keeps me warm, but it adds a pop of color to my outfit, and it keeps my chest covered, no matter how much I move throughout the day.

Another way that our shirts can betray us is with that sliver of skin above your pants (or skirt) line and below the bottom edge of your shirt – if you’re sitting down or standing up, does your skin pop out and show? While you might have washboard abs (good on you!), you can keep it covered by placing a tank top or a camisole under your shirt, and you’ll be good to go. Tank tops or camisoles can be purchased very cheaply, and they can keep you from being exposed.

What to do About Short Skirts

If you have skirts that have become too short, you can try to make a last ditch effort before you give up on them. While leggings are not pants – and this is a misconception among many – pairing a thick pair of leggings could be a way to be able to wear a skirt that otherwise wouldn’t fly on its own. Try this and see if it’s adequate to give you the coverage you need to be adequately clothed. Otherwise, you can give those skirts a fond farewell.

Re-Purposing Un-Modest Clothing

Some clothing will simply be past its prime for you, regardless of how much you try to keep it in your closet. You can give it away to someone else that may enjoy it, but another option is to re-purpose it for your own household, especially if it’s in a condition that is no longer attractive to wear. One of the craft projects on my to-do list is to eventually make a rag rug, and this would be a great project for anyone with lots of clothing that no longer fits their lifestyle or their frame. If you can sew, you can also re-purpose your clothing into dinner napkins, rags, headscarves, or use the fabric remnants for craft projects.

About This Blog: Please feel free to share any information from this site, in part or in full, giving credit to the author and providing a link to this website. Fearless Faith is a blog dedicated to family, faith and frugality. All content is copyright of the author unless otherwise indicated.