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Living poor to living middle class!



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  #1  
Old Mar 31, 2007, 08:42 PM
rn2bn07 (Female)
Registered User
Join Date: Jan 2006
Talking Living poor to living middle class!

I graduate in May, and I am so ready to begin making a decent living for a change. True enough I did not go into nursing just for the money, but it sure does help make my life a little better. I am tired of struggling wondering how I am going to pay a bill and feed my family. In another month all my worries will be over. I read a lot threads stating that they want to quit in their first year. I guess, my question is, is it really that bad that you would want to give up your dream career because of the stress that you will probably experience from any other job?

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  #2  
Old Mar 31, 2007, 09:17 PM
VivaLasViejas's Avatar
AARPSoon2B
Join Date: Sep 2002
Re: Living poor to living middle class!

Welcome to my world..........

I'm going to give you some advice, because I've been exactly where you are now and lived to regret my excesses---of work, of spending, of expectations that were never met.

First of all, please don't assume that money will end all your troubles, or change you into a different person, or give you security. For many of us who have lived in poverty, a sudden infusion of relative large amounts of cash makes us throw caution to the wind: "Yippee!!" we shout as we hand over our shiny new Discover cards for yet another "delayed- gratification" reward to ourselves. We think all our troubles will just vanish and we'll always have enough to live on, and then some.......little do we know of the pitfalls that await us!

What we don't realize is that we have no clue whatsoever as to how to manage those princely sums we're earning. Many of us, myself included, have spent our way into bankruptcy.........and more than once! Somehow, the 'needs' always seem to expand to fit, and usually exceed, the available funds. I managed my family's money wonderfully when I only had about $12,000 a year to manage........ by the time that income quintupled, only a few years later, we were so deep in hock we couldn't find our way out with a five-cell flashlight and a traffic cop directing signals.

The other thing is, NO job/career is perfect. Yes, I think nursing is a rewarding vocation in many ways, which is why I'm still doing it ten years after graduation; but I've had a lot of ups and downs in my various jobs, and I think if I were given the chance to do something else that pays similar (or better) wages without demanding so much of my time and energy, I would move on.

I wish you the best in your future. Just try to be realistic about what you can accomplish with the money you make, and don't expect your career to fulfill your every dream. Keep your work life and your home/social life in balance. Keep up with your other interests outside of work, and above all, strive to be happy.

Good luck.


Last edited by VivaLasViejas : Mar 31, 2007 at 09:21 PM.
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  #3  
Old Mar 31, 2007, 09:38 PM
Lorelai22RN (Female)
Registered User
Join Date: Mar 2007
Re: Living poor to living middle class!

Originally Posted by rn2bn07 View Post
I graduate in May, and I am so ready to begin making a decent living for a change. True enough I did not go into nursing just for the money, but it sure does help make my life a little better. I am tired of struggling wondering how I am going to pay a bill and feed my family. In another month all my worries will be over. I read a lot threads stating that they want to quit in their first year. I guess, my question is, is it really that bad that you would want to give up your dream career because of the stress that you will probably experience from any other job?

Congrats on graduating! I remember how excited I was this time last year nearing my graduation! I was sure my poor nursing student life wa about to morph into a glamourous one with plenty of money..........and it has afforded me to be able to pay my bills comfortable and some options but......being a nurse is noble and helps people but it can be extremely draining and stressful. I still dont have enough money lol...currently trying to cut back on stuff and work overtime just to get by....taxes eat up so much of my check. If I could afford to, I wouldnt do nursing.......I dont hate it......you just go through alot. I've been a nurse 9 months...so Im still a newbie but........if I could do something else for the same money I would in a HEARTBEAT.

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  #4  
Old Mar 31, 2007, 09:56 PM
Lisa CCU RN (Female)
Registered User
Join Date: Aug 2005
Re: Living poor to living middle class!

I feel you. Nursing is a secure job and going from poor to making some cash is going to be a great feeling.

It's true that you shouldn't go out on a spending spree, but I think you'll be fine.

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  #5  
Old Mar 31, 2007, 10:01 PM
Lisa CCU RN (Female)
Registered User
Join Date: Aug 2005
Re: Living poor to living middle class!

Originally Posted by Lorelai22RN View Post
Congrats on graduating! I remember how excited I was this time last year nearing my graduation! I was sure my poor nursing student life wa about to morph into a glamourous one with plenty of money..........and it has afforded me to be able to pay my bills comfortable and some options but......being a nurse is noble and helps people but it can be extremely draining and stressful. I still dont have enough money lol...currently trying to cut back on stuff and work overtime just to get by....taxes eat up so much of my check. If I could afford to, I wouldnt do nursing.......I dont hate it......you just go through alot. I've been a nurse 9 months...so Im still a newbie but........if I could do something else for the same money I would in a HEARTBEAT.
Geez, is there no one that likes their nursing job?

I hope I am able to say that I love my job because I LOVE clinicals, I just hate school.

I hated working in fast food, warehouses, etc. Nursing is my dream job, I hope it stays that way.

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  #6  
Old Mar 31, 2007, 10:02 PM
llg
allnurses.com Guide
Join Date: Sep 2002
Re: Living poor to living middle class!

Originally Posted by mjlrn97 View Post
Welcome to my world..........

I'm going to give you some advice, because I've been exactly where you are now and lived to regret my excesses---of work, of spending, of expectations that were never met.

First of all, please don't assume that money will end all your troubles, or change you into a different person, or give you security. For many of us who have lived in poverty, a sudden infusion of relative large amounts of cash makes us throw caution to the wind: "Yippee!!" we shout as we hand over our shiny new Discover cards for yet another "delayed- gratification" reward to ourselves. We think all our troubles will just vanish and we'll always have enough to live on, and then some.......little do we know of the pitfalls that await us!

What we don't realize is that we have no clue whatsoever as to how to manage those princely sums we're earning. Many of us, myself included, have spent our way into bankruptcy.........and more than once! Somehow, the 'needs' always seem to expand to fit, and usually exceed, the available funds. I managed my family's money wonderfully when I only had about $12,000 a year to manage........ by the time that income quintupled, only a few years later, we were so deep in hock we couldn't find our way out with a five-cell flashlight and a traffic cop directing signals.

The other thing is, NO job/career is perfect. Yes, I think nursing is a rewarding vocation in many ways, which is why I'm still doing it ten years after graduation; but I've had a lot of ups and downs in my various jobs, and I think if I were given the chance to do something else that pays similar (or better) wages without demanding so much of my time and energy, I would move on.

I wish you the best in your future. Just try to be realistic about what you can accomplish with the money you make, and don't expect your career to fulfill your every dream. Keep your work life and your home/social life in balance. Keep up with your other interests outside of work, and above all, strive to be happy.

Good luck.
I think this is one of the best posts I have ever read in any thread -- ever!

If you believe that "all your worries will be over," then you are setting yourself up for the worst possible case of reality shock and ultimately, setting yourself up for failure. Be realistic in your expectations and be prepared to be disappointed in a few things. Such realist expectations and plans will help you cope with the ups and downs that will inevitably come.

Good luck to you and I hope you have a long and satisfying nursing career.

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  #7  
Old Mar 31, 2007, 10:15 PM
Registered User
Join Date: Mar 2007
Re: Living poor to living middle class!

Wow mjlrn97, That is some good insight and great advice. I think a lot of us students feel that once the money starts rolling in our problems will be solved. My very first clinical instructer said that right after he graduated and started to bring in the cash he bought a truck. Only months later did he realize what a mistake it was. He said that he should have worried about his debts and a downpayment on a house first...
I can't wait to graduate and I must admit that I'm REALLY looking forward to the first decent sized paycheque. I have so many things that I would like to buy but after making a list and going through it I have finally decided on the ONE graduation gift I'm going to get myself...Littmann Cardiology II. I have a classic SEII but hey, its graduation and I have to splurge a little right? That and its work related so I don't feel guilty

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  #8  
Old Mar 31, 2007, 10:27 PM
Lorelai22RN (Female)
Registered User
Join Date: Mar 2007
Re: Living poor to living middle class!

Originally Posted by CRNASOMEDAY25 View Post
Geez, is there no one that likes their nursing job?

I hope I am able to say that I love my job because I LOVE clinicals, I just hate school.

I hated working in fast food, warehouses, etc. Nursing is my dream job, I hope it stays that way.
Yeah, most of us find some joy in our jobs.

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  #9  
Old Mar 31, 2007, 10:44 PM
Registered User
Join Date: May 2006
Re: Living poor to living middle class!

First Congrats on Graduating and finally getting financial stability! I hope that you will do great in nursing and enjoy it.

Second a financial lecture:

Originally Posted by Lorelai22RN View Post
I still dont have enough money lol...
I don't think anyone ever has enough money.

The most important thing is talking to a financial advisor. Even if it is just one at your bank. They can help you with higher interest retirement plans, savings accounts, cd accounts, college funds, money market accounts for emergencies, etc. And the sooner you start these the more you will have. I think what the previous posters said about not letting the extra money go to your head was wise. Pay off your debts and start building your credit. As pretty as those Jimmy Choos are, just put them down! (Fashion is my enemy!) It is good to reward yourself but set limits on your rewards (ie. one movie a month, one cd a month, etc. Just set a price limit on your monthly reward). Remember good credit = home, car, loans, trust. Learn the art of balancing your checkbook!

OK lecture over. I'm sure you know most of this anyway. Good luck with your career, and I'm very proud of you!

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  #10  
Old Apr 01, 2007, 06:18 AM
Lorelai22RN (Female)
Registered User
Join Date: Mar 2007
Re: Living poor to living middle class!

Originally Posted by Pumpkin1621 View Post
First Congrats on Graduating and finally getting financial stability! I hope that you will do great in nursing and enjoy it.

Second a financial lecture:



I don't think anyone ever has enough money.

The most important thing is talking to a financial advisor. Even if it is just one at your bank. They can help you with higher interest retirement plans, savings accounts, cd accounts, college funds, money market accounts for emergencies, etc. And the sooner you start these the more you will have. I think what the previous posters said about not letting the extra money go to your head was wise. Pay off your debts and start building your credit. As pretty as those Jimmy Choos are, just put them down! (Fashion is my enemy!) It is good to reward yourself but set limits on your rewards (ie. one movie a month, one cd a month, etc. Just set a price limit on your monthly reward). Remember good credit = home, car, loans, trust. Learn the art of balancing your checkbook!

OK lecture over. I'm sure you know most of this anyway. Good luck with your career, and I'm very proud of you!

This is some good advice..........I know I have just bought clothes and shoes....cute bags that I didnt really want just because I could. And a real big problem for my pocketbook and waistline is eating out and fast food..........I ate it for nearly every meal and it gets expensive and I out on 10-15 pounds since I graduated, havent weighed myself but I cant fit in my clothes........so I have started a healthy eating and workout plan and am not gonna waste money on fast food and try to pack my lunch for work, my co-workers order out alot at work and I find myself chiming in! And I would drink ton of coffee...........starbucks, ccs and pastries and muffins.....expensive! So I have started monitoring where my money is going.........trying to make some changes! And save money.

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Living poor to living middle class!

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