Being underemployed usually means being poor or just poor enough to not be able to break free. Even if you’ve no hope of earning millions, it’s important to manage your money wisely. It’s even more important to learn how to make yourself happy without spending money you might not have.
Everything you’re about to read is IMPORTANT! PAY ATTENTION, PLEASE!
Credit cards do not constitute free money
However, it is temporarily free money. The most sensible of us will use a credit card for big purchases. If you’re buying flights, a new car, or a laptop, then you should ensure that you have at least half of the payment in your debit or savings account before putting in your CVV number. If you don’t, then make sure your purchase is worth it, and can be paid off as a result of your latest investment. Here is a prime example…
Be sensible with your investments
I recently bought a new iPad. I did this because the next few months of my life are going to involve a lot of traveling. I could use the time between my travels for work. However, I live with five pets, a small child, my best friend, four blocks from my boyfriend, and seven blocks from the beach. Yeah, as if I’m spending all day indoors.
My new iPad allows me to carry out work on-the-go, whilst also allowing me to carry out my sit-down work in almost any location in the world- so long as I have a battery life and access to the internet.
My career allows me the gift of remote work, and as such, I need a device that can be easily transported. I may not have the casual income to buy such a device, so I put it on my credit card, and will be able to now work when I would have otherwise been sitting in a car/plane/boat/horse etc. I’ll pay it off in less than a week, and then it’ll be all earnings!
Staying in is fun too
Yesterday, I could have gone to the movies. I could have called an Uber and gone into Hollywood to visit friends. I also could have gone out for lunch or dinner. However, I decided to stay in. I watched three excellent movies (Now You See Me 2, The Nice Guys, the Anthony Weiner doc), and cuddled up on the couch with the man I love. We farted on each other, laughed, ate crap food, and fell in love all that much more. Then, we went to bed and awoke in a great mood.
Anything could have happened today and it still would have been more exciting than yesterday, even though yesterday was great. That’s the joy of having a lazy day. Oh, and it’s fairly cheap too… especially when your significant other is renting the movies via his DVR. This can also be done solo, though I highly recommend the expenditure on Netflix.
Be good at other things.
Is there anything more romantic than a home cooked meal? I am now realizing that I’ve never cooked my fella a home cooked meal, so I’ll add it to the list. You get the idea though; sometimes it’s the little things that count. Maybe it’s an extra ‘I love you.’ It could be a homemade gift, a bike ride along the beach, a blow job at dawn. Whatever it is that you can contribute physically, emotionally, and in a loving manner, do it.
The same goes for treating yourself. For me, I sometimes take a night off, throw on an episode or six of the West Wing, and draw mandalas for hours on end. It’s basically free because I steal my goddaughters resources, and I already told you to get Netflix. Maybe your version is reading a book or taking a hike.
You can’t spend money when you’re dead
One of the most important deals I’ve made with myself is that when I die I’ll have nothing but stories to tell when I get to the next adventure. Often times, these stories need money to be had. A great example of this is my upcoming Friday night out. RUFUS DU SOL are playing the Wiltern, and this little groupie is going! My excellent bestie, Lizzie, got us cheap tickets, but the night will still realistically come to a little over $50. When you’re Underemployed, that’s a hell of a lot of money to be frittered away on fun. However, if I didn’t go, I’d be miserable. I have that money, and I can’t think what else I’d rather spend it on right now. So yes, I bloody am going to see RUFUS. It is worth it for the memories.
Many of you will say No to things because of the perception that it’s not cost effective. This is the most dangerous way to live. You’ll die having done nothing but work. Your life will have exclusively revolved around earning money you’ll never spend. Get out there and do something fun, even if it costs a little more than you’d like to spend. It’ll make you happier, and it’ll make people want to be around you because of your new happiness. Having more people around you means that you’ll have more opportunities for fun, maybe a new career move, and who knows what else.
The most important thing about budgeting when you’re Underemployed is that when you do spend money, you spend it on a thing that’ll either make your life easier, or that will help you earn money. Easier lives can be had through increased socialization, finding love in people and experiences, and through making it a little simpler to earn your money.
Most people that are Underemployed are also depressed.
Spending money on being outside with people is the best way to budget, because therapy is fucking expensive. Worst case scenario, just go out and get yourself a Sugar Daddy, but fall in love with him so you can repay him through his care when you’re the breadwinner. That way you won’t end up going to hell (or the White House…hahahahahaha).
I’m just kidding. Half kidding.
Kay Smythe, The British Bitch in America.
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