I’ve Moved

I’m over at plungedindebt.com ¬†ūüôā

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Budgeting In Items For Work Usage

Hubby’s cell phone bill is an average of $115.00/month that we have to pay. Insane right? If we didn’t pay for the¬†minutes that¬†we do, the bill will get to well over $200.00 (and has many times). Hubby’s phone starts ¬†ringing and beeping like crazy from the time he wakes up until the time he goes to bed at night because of his job. He talks to many people all day in different locations around the province for varying companies. Given that his phone is a necessity for his job, don’t ya think he should be comped for it?¬†

If he didn’t have the phone/email¬†requirements¬†that he does, his phone bill would be a much more respectable amount (under $50.00/month). This sort ¬†of makes me crazy. There has been ‘talk’ in the past about him getting some¬†compensation¬†for work usage (90% of his cell phone time) but it never comes to¬†fruition. Friends of ours, who are on their phones a whole lot less than hubby is, are comped which adds to my frustrations.

He does gain gas mileage for work out of city which ends up working out to more than we pay for gas (we make money when he goes away from mileage vs reimbursement for gas dollars spent).

For me to work, I (legally) have to pay an¬†annual¬†licensing¬†fee to maintain registration with my provincial regulating body (which gives me my malpractice insurance and registration with the national regulating body). This sets me back $625.00/year. Although it’s income tax deductible I still hate that I have to pay it, in my mind, it should be an expense my¬†employer¬†pays on my behalf, I’m sure he probably benefits from the tax break more than I but it’s not something he does, this goes for most of my¬†classmates¬†too.

Who has their job compensate part(s) of their monthly budget items? Am I alone in thinking we¬†shouldn’t¬†be paying for these things?

Are Undergraduate Degrees A Way Of The Past?

I recently read a great post over at The Outlier Model about wanting a job in the science field. I started to reply and quickly realized I was writing a book for a reply so decided to do a post about it instead.

First, head on over and read the above blog post, it’s a fantastic post about the realism behind getting a job in the scientific community (biology mainly but applies to chemistry and physics as well).

I have two university degrees, my first being a BSc in Biology. I really can’t say any education is wasted because it’s not but¬†unfortunately¬†good education isn’t free. If I could turn back time I would never, ever, ever, ever go into a ‘basic’ undergraduate program with a declared major. Nor would I ever recommend a high school student pursue such a route. I did very well in high school, graduating with¬†scholarships¬†and on the principal‚Äôs lists (top ranked graduates of the high school in Canada) but at the ripe age of 18 I didn’t know what I wanted in life, I¬†thought¬†I knew but I didn’t. I knew I liked, and was good at, science and of course sciences have more job prospects than arts, or so I was told (I don’t really believe this).

I really don’t think most 17-18yr old high school students¬†really¬†know what they want upon graduation. There is such a pressure to graduate high school and¬†immediately¬†pursue post-secondary education but,¬†especially¬†in today’s economy and the rising cost of tuition, I really don’t think it’s the smartest thing to do. I know a lot of parents fear that if their child takes time off between¬†high school¬†and post-secondary that they might not return to academia or that nothing will become of their child. I have to tell you that some of the most successful people I know were the ones who took a year or two off,¬†traveled, worked and really discovered the person they were- outside of the high school walls. Most people don’t come into themselves until after graduation. Are you the person you were in your senior year? Most likely not.

Choosing your lifelong career path in the hype of hormones and emotional turmoil is not the smartest idea.

Taking time off never even had the chance to enter my mind, I was going to university to study biology and be a science rock star. I knew I wouldn’t pursue biology as a full on career (ie doing a PhD of sorts) but I also didn’t really think I would end up in year 3 of 4 in my undergrad and realize I had essentially wasted 3 years of my academic life pursuing a degree with little to no job prospects. High schools do such a good job at sugar coating university for the ‘smart kids’ that they tend to neglect the important information like, there are NO JOBS. Are high school teachers paid commission from the universities or something?

In my 3rd year I knew something had to change. I was about to graduate with 40k debt and the only job prospects paid slightly better than minimum wage. I went through¬†university¬†with my two best friends. We all graduated with our BSc’s and I was the only one to pursue more education. They both work full time for slightly better than minimum wage, one girl working full time and 2 part time jobs to stay afloat.

I guess the ironic part is that I ended up in substantially more debt to get my career but at the end of the day I know I made the right choice. I went back to university and became a Dental Hygienist. I graduated with my choice of job (although the market is a little saturated now but still work available) and making 3 x what I would have I stopped with my BSc. I love my job and so glad I made the choices I did.

When talking to high school students who I know want to go directly to university I tell them to apply into a program that lands you a job even if it’s not something you think you may want to do¬†because¬†like I said before, you really don’t know what you want at 18. Most programs have similar first year foundation classes regardless of the program so if you don’t like the program after your first year you can chose to then apply into something else but you have the security of knowing you will graduate with a degree that will get you a job should you chose to stay. The undergraduate programs I’m mainly talking about would be engineering, nursing or finance, all of which you can apply into from high school (vs. programs that require at least first year prerequisites to get into).

My sister in law was going to apply to do her basic BSc because she was thinking about pharmacy or nutrition as careers but wasn’t sure. I encouraged her to apply into nursing (something she didn’t think she’d like) and if she didn’t like it, apply to the other 2 programs after her first year ¬†because they both require first year pre-reqs which can be satisfied through nursing (1st year bio, chem, math etc.). That conversation took place 7 years ago, she’s now a successful OR nurse and loves it. She has job security with amazing benefits, I’m so glad for her.

I don’t want to sound like I’m bagging on all undergrad programs, on the flip side I know many successful people who have stayed in their¬†fields¬†and done very well but they are few and far between. It sickens me to see such well educated people not be able to use their skills and education. What use to be an honor and necessity for jobs, basic undergraduate degrees are a way of the past I think.

There are still many great university and college programs out there, but try and get into something with more definition and job prospects. Or take time off, figure yourself out and then pursue your career so you don’t end up with a degree for the sake of having a degree and debt¬†because¬†even if your education is paid for, it’s wasted money if you can’t get a job.