We're sure you've all heard stories of how hard it was in “the olden days" to do a variety of things we do today with the push of a button, or maybe you've heard about how someone walked five miles in the snow to go to school. You needn't journey back that far to imagine the pure nightmare it would be for you without your cell phone, internet or GPS.
For those of you who grew up with these gems of technology, these tools are as ordinary as bottled water. But for those of us growing up in the 60s and 70s, before they were commonplace, we never felt the lack of something we never knew.
Let's journey back a little to the 1970s and take a glimpse at life without these tools. To make it more fun, how about doing some job-hunting? I've been through this process both in the 70's and currently, and I couldn't be more appreciative of how much easier the process is now.
1. You wake up and immediately scan LinkedIn or Indeed.com to see what's available, right? Uh-uh! You've no internet, so you must get dressed and go pick up an actual newspaper to check out the “want ads."
Remember, even before the advent of the internet, networking was always important when job hunting. If you know it will be kept confidential, let your friends and business associates know you're looking. Most of the jobs I landed were actually through referrals from former bosses, co-workers or friends who had moved on to other companies. It's a lot easier now to contact those sources by email or text than when I had to play telephone tag before I reached them!
2. After identifying some prospects, you write a quick cover letter with a resume and email it to your prospects. No, No! Without email, you'll manually type a cover letter and prepare a resume. No computers yet.
Ugh, I remember when I had to do this. You might type your resume and then realize you wanted to change or reorder part of it, or maybe you wanted to experiment with different fonts (yes, Selectric typewriters had a changeable typeface). There was no cutting and pasting or selecting and changing. You had to start all over again. Then we had to take a perfect original and have it photocopied. You protected that original as though it were a world-changing document. Now you may go to the printer and have them run off some copies right from your phone. Also, if your job entails a portfolio, you can have it shown right from your iPad instead of carrying around a large, difficult-to-carry presentation.
3. Now, you'll either hand deliver or mail the hard copies. You may prefer hand delivery to insure they'll arrive more quickly.
4. For the next few days, you wait at home for a response, because without a cell phone you can't be reached if you're out and voice mail is still waiting to be invented.
That was terribly inconvenient, but unless you had a telephone sitter at home while you did some errands, you might miss that call.
5. One of your prospects finally calls to set up an interview. You usually Google the prospective employer so you'll have some input during the interview. Without the internet, you'll have to go to the library and use their reference books or buy some business magazines.
I still believe it's important to know as much as you can about a company before an interview. Besides helping you to ask the right questions, you might find something that makes you change your mind about pursuing this job. Remember, they need your approval as much as you need theirs!
After identifying some prospects, you write a quick cover letter with a resume and email it to your prospects. No, No! Without email, you'll manually type a cover letter and prepare a resume. No computers yet. (Photo by REX)
6. The day of the interview arrives, and you're eager to create a good impression, so you head out early to make sure you have no trouble finding the office. Uh! Oh! No GPS. You'll have to get a paper map. Maybe you can find a gas station that carries them.
Since I worked in New York City for most of my career, it was always finding the quickest mass transit route to take. Sometimes, I would make a dry run before the interview day just to see how long it would take. Besides the GPS, you now get this information right online, both the route and the average time it will take, whether by car or public transit.
7. Now you're on your way, armed with a genuine paper map, and you find yourself in a huge traffic jam. You'll just call your interviewer's office and explain, but there's no cell phone, so you search frantically for a pay telephone. None in sight. After all, you're on a busy highway. Then it starts to rain, and you realize you should have waited for the weather forecast at the end of the news. No, there's no weather app to scroll.
Besides no weather app, there was no cable, thus no weather channel, so the weather was always at the end of the news. Who had time to wait for that when you're getting ready for an interview?
I want to highlight something that was better in the "olden days." After interviews, the company always contacted you, either by mail or phone, to say whether you got the job, or they hired someone else.
8. An hour late, you reach your destination, a bit disheveled from the stress of it all and quite soaking wet from walking from the parking lot with no umbrella or raincoat.
You probably should still come prepared for the unexpected by throwing a few extras in your bag: i.e., umbrella, extra copies of your resume, etc.
9. It's difficult to stay confident and positive when you look like a drowned rat, but you do your best to ace the interview and just hope for the best. Despite the anxiety-ridden start, the interview does go well, and you're told you will be called in a few days.
I want to highlight something that was better in the “olden days." After interviews, the company always contacted you, either by mail or phone, to say whether you got the job, or they hired someone else. If you're a writer, you may spend your weekend doing a week's worth of articles and edits as part of the interview process, or you might go on 5 interviews with one company, and they don't get back to you either way! I remember just such a time, I had at least 5 interviews with the same company, and on the fifth one, when I stopped at the security desk for a pass, the guard recognized me but thought I worked there and just forgot my pass. That company never got back to me, and when I called for the status, they always said they had made no decisions yet. So maybe, that's the one facet of job-searching we wish would have remained in place.
10. Again, you wait for a call and even answer the phone with your normal voice whenever it rings.
This is opposed to the fake accent I used when I wasn't expecting any calls and didn't know who was calling. Without caller ID, you didn't want to take any chance of being trapped by a salesperson or someone else with whom you have no interest in talking.
Halleluiah, you got the job! Now come back to the current world and use all your tech tools, because you have been hired as a marketing director, and we won't even scare you with how you would have to do this job without them!
It isn't always easy to stay on top of your finances, especially when you have developed unhealthy spending habits over the years. However, as you begin to realize the many benefits of having healthy finances, it can become something you want to make a conscious effort to improve. When your finances are in a good place, you often have access to better opportunities whether it be a mortgage loan, greater credit line or business loan. On that note, here is how you can become an expert at managing your finances in case you need a few tips.
Learn to Use Technology
The good thing about managing finances in the technological age is that you don't have to do it alone. There are so many apps available that will help you pay bills on time and track your expenses. For instance, some apps force you to live within your actual income and tell you what to do when you need to balance your budget.
If you need an app that will help you get better at saving, then some will set aside your spare change for you. Also, don't be afraid to use more simple tools such as your smartphone calendar to set reminders about payments if you don't automate them.
Seek Legal Advice
Sometimes, being an expert at something means understanding that you can't possibly know it all. This is why you have professionals around you that can help fill in the gaps where you're lacking. Consider hiring a legal firm to help with any challenges that are beyond you. Lexington Law is a good firm as they could help remove negative items from your credit report. Read this Lexington Law Review (Our #1 Credit Repair Service of 2019) to find out more about how they could help improve your finances.
You can't do better than what you know when it comes to managing finances. You should, therefore, invest your time in learning more about finances and how to manage them. Think about what your goals for your finances are and what knowledge gaps you need to fill.
For example, if you want to invest in the stock market so that you can improve your net worth, then you may need to learn more about investing to do so successfully. To boost your knowledge, try reading articles on credible blogs that share finance information from professionals. Also, be weary of content from finance-driven companies as it could be biased.
Work on Growing Your Income
As a self-proclaimed finance guru, you know that the more sources of income that you have, the better. Work on increasing your streams of income so that you have more money to meet your targets whether it's to save for a property or put larger sums towards retirement. One way to do so would be by getting extra income by doing social media marketing for businesses or creating tutorials on YouTube. If you own a property, renting out rooms is a great way to make passive income.
Live Within Your Means
It can be difficult to live within your means when you live in a society that is always presenting you with things to buy. However, being more conscious about the things that you purchase could help you realize that most are wants rather than needs. To live within your means, always take time to think about a purchase as opposed to impulse spending. You should always get good at bargain hunting as many times you can find items of similar quality at a cheaper price.
Learn How to Manage Debt
Debt doesn't have to be a bad thing if you understand how it works and how to manage it. It can be a tool for credit building when you understand the fundamentals. For instance, if you take out a loan or credit card, always be mindful of your interest rates.
By paying the amount of money you borrowed back in full before the due date, you won't have to pay interest on what you borrowed. If you can't pay back in full, paying more than the minimum payment will ensure you incur less interest. For the most part, the secret to good debt management is never spending more than you can afford to pay back.
Managing finances is a life skill that can help improve your quality of life. By following the mentioned tips and taking your finances more seriously, you're more likely to master the art of healthy finances.