My income is not enough for cost of living

Vietnam
March 14, 2013 4:16am CST
This month, work of my husband is not good. He doesn't have many things to do. So, his income is deduct quite much. The income is only enough for his private cost. So, cost of our living is depend on my income. I have calculated. My income is not enough. I'm beginning to worry. I'm thinking how to increase my income. But I can't do anything now. My job is on office time. I only have a bit free time at night. Before, I can spend quite comfortable with both our income. Now I realize that my income is too low. Should I try to change my job? Have you ever been in this situation? Please share.
2 people like this
20 responses
@jenny1015 (13389)
• Philippines
14 Mar 13
Your options are leaving the job and find a better one or stay with the job that you have now and make a small business like making food and selling it to your office mates. I think that would be a good start.
• Vietnam
16 Mar 13
A good idea, my friend. I like to make small business more than looking for a new job. But I don't know how to begin! Maybe I need more advice. Thank you for you response.
@jenny1015 (13389)
• Philippines
16 Mar 13
Try searching online on how to start selling small stuff with minimum capital needed. I am sure that you can earn from it if you will have your heart into it.
• Vietnam
21 Mar 13
I love to do it. However, I don't know what I can sell now. My problem is supplier. I need a good source and purchase conditions are not too rigorous and low MOQ.
• United States
14 Mar 13
I would keep your current job until you find something else. Right now having a low paying job is better than no job. I am also in the same boat because the only income we have is Randy's social security which is not much. My brother lives with us and pays the gas, electricity, the Internet and the phone while Randy's social security check goes to rent, car insurance, life insurance, and the newspaper. I am learning how to do crafts so I can sell them online in hopes to make extra money to help supplement the income.
• Vietnam
21 Mar 13
I don't think that I can make crafts. I hope you'll be successful in your small business.
• Philippines
14 Mar 13
You can leave your job if you think that you can apply for a new job without a problem and if there are available jobs in your area to where you can transfer without any issue. If you think that leaving the present job will be the solution to solve your problem, then its okay but if not then just remain in your existing job and just do some part time work during your free time as what you do now here on Mylot. You can also turn your hobbies into an extra income. You can search for more online to add your income.
• Vietnam
21 Mar 13
Maybe that working online is my chance. Because I don't have much free time to work other job. And changing job is much risks now.
@TriciaW (2441)
• United States
14 Mar 13
You are not alone in this situation. Many of us find it hard to make ends meet. Perhaps you can do some babysitting at night and on the weekends to bring in some extra cash. You might also look at your spending and see where you might be able to trim down. Make sure you keep it trimmed down when he is doing good in his work as well that way you have something to fall back on. Making things was a great idea you can sell them online such as craigslist or ebay. If you are crafty that is a great way to make a little extra. Be creative and think outside the box. Mylot is one way to get a little extra cash but it takes time but that you may use for your fun things kind of like saving money for a day out for yourself. I hope things get better for you soon!
• Vietnam
21 Mar 13
Thank you for your sharing and your advice. I think that you're smart to spend money. And I should learn from you much.
@laydee (12814)
• Philippines
14 Mar 13
I know how you feel, I am having difficulties making my ends meet these days. Seems to me the my salary is no longer enough. There are too many financial obligations and I can't think of ways to trim down expenses (they're already very basic!), I can't even treat myself because I'd be short! Whew! It's really sad that we're so dependent on money. I just wished that we lived in an age when we just earn what we need. No more flares and other temptations around. Indeed commerce makes things a lot more expensive! Whew! I hope we all could get through this. Have a great mylot experience ahead!
• Vietnam
21 Mar 13
I agree with you that we're so dependent on money and every things are too expensive. So, we must run following price and earning money. It's tired!
• Nigeria
17 Aug 13
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27 Mar 13
Well, My advice to you is try to have a sideline. Like a small buy and sell business. What country are you from? In my country, We have a lot of small business to choose. Like, Ice candy, mineral water, vending machine, mini restaurant, banana-que, barbique etc. If you know how to cook. Well, try catering. :) Hope this will help you.
@MsTickle (24962)
• Australia
21 Mar 13
You both must cut back as much as possible on your spending. That's the only answer. For instance, do you really need to pay for an Internet connection?
@Memnon (2173)
16 Mar 13
We are there too. Obviously I don't know your personal finances, but it might be worth looking at changing providers for some of your services if you can. I live in the UK so things would be very different: the standard of living here is falling faster than in the rest of the world as our businesses shore jobs so that they can make even bigger personal bonuses. Changing job is a real option, as is, perhaps taking an extra job. You are from alone in this situation.
@kokomo (1868)
• Philippines
15 Mar 13
I am just earning enough for myself and I am thinking what if I build my own family? What would happen to our off springs if we will not be able to support their needs, if I will be lucky to be with my husband in the near future.But, I think, I am thinking too fast and so negative with my future. So being married and live together is not our priority this time with my boyfriend.
@Raine38 (9117)
• United States
14 Mar 13
Unless you are very sure that you already have a new job to go to after resigning and that your salary and work will be much better there, then don't do anything rash at the moment. You can also look into other source of income, or sidelines to augment your salary from your day job. See also if you can cut down some expenses out of your household needs. What's important is there is still money coming in. It's better than nothing.
@Porcospino (17818)
• Denmark
14 Mar 13
If I was in your situation I would either look for a job with a higher salary or combine my current job with an extra job. I wrote that you don't have much free time, so it probably wouldn't be easy for you to get a second job unless you would be able to work in the weekends or work in the morning before you work at the office. One of the options that I would consider would be a paperround in the morning before work. You would have to get up really early, but quite a few people from my country have a paperround in the morning before their other job because they don't earn enough money from their main job. You could also look at the online job options and try to get an extra income that way.
14 Mar 13
You can spend less or earn more to solve this problem.I think earning more is always better than cutting the expenses.For some people saving and cutting is OK, but for me, it's depressing, so I would choose earning more.Do you have special skills you can use to make money in your spare time?Think about what you're good at.Selling something,teaching something,cooking,writing,doing massage.Maybe you never tried and just need some encouragement.
@blue65packer (11835)
• United States
14 Mar 13
My income for me,I am a single woman with no dependents,is low,too. Some months I barely get by! With more social security taxes being taken out of my check this year,never getting a raise on a regular basis and the cost of living always going up has aot to do wiith it! I always seem to get by and wish my part-time job would be a real part-time job again instead of just casual part=time! When I was working both jobs I was getting ahead! Now I am behind,once again! If you think you have time to find a part-time job go for it. I see nothing wrong with it.
• Indonesia
14 Mar 13
Don't quit your job before you get new one that offer you more salary. If you can not do part time job may be your husband can do it. My boy friend always told me to buy what I need, not what I want when I tell him that I think my income is not enough for my living cost. I hope everything getting better for you and your family.
14 Mar 13
Many people are in the same boat like you. Daily expenditure is skyrocketing but scope of earning is very limited. You need to be cautious in spending money and make the best use of time in earning. If English is 2nd language of your country,try part time teaching.I mean you can be a part time English language teacher if you think you have enough command over the language.
@dagami (1162)
• Rome, Italy
14 Mar 13
earning more money in today's crisis is hard. looking for another higher paying job is even harder when unemployment is at its peak. i think it would be wiser for you to list your monthly expenses in two columns. one column for the NEEDS and the other for OTHERS. try and see whether you can make do without the items on the column OTHERS.
@Bhebelen14 (5206)
• Philippines
14 Mar 13
I think you should keep your previous job and look for a part time job after your office work. I've experience it before when both of my parents lay off in their job and I had to work day and night just to support their needs. During those days I can not even buy things that i need, good thing someone help me and gave a good job with high salary. I know your situation is quite tough now but maybe you husband can also do something to help you in your financial problem.
@marguicha (94630)
• Chile
14 Mar 13
What does your husband do for a living? What do you mean by "his private cost"? We all have troubles at one time or another to make ends meet and sometimes it`s not easy at all. The years my husband was ill, our income went down a lot. But we put our heads together to come up with answers and we found some.
@maximax8 (28249)
• United Kingdom
14 Mar 13
It is a pity your income is not enough for the cost of living. You could perhaps try applying for jobs which pay a lot more money. You might be able to start your own business and handle this part time. Selling things could let you increase your income maybe. In the mean time write down exactly how much money is coming into your home. Then work at getting any expenses lower. You could have less pricey food and drinks. You might be able to get cheaper utility bills. I decided to join a back account where I would be a welcome of 125 pounds. I wanted to get a current account with them since they offer a one year saving account which is very high interest. I was poor in 2002 and 2003 when I came home from New Zealand. I cycled my bike to cut down transport costs. I took a cheap flight, traveled on local buses and camped on my trip to Croatia, Montenegro and Slovenia. I got a new job for September 2003 in school teaching. Then my earnings went back up again. Good luck.