आजच्या युगात जॉब सिक्युरिटीची गॅरंटी कोणीच घेऊ शकत नाही. अलिकडेच चेन्नई येथील नोकिया कंपनीने आपले युनिट बंद केल्याने शेकडो जण बेरोजगार झालेत. त्यामुळे अशी स्थिती उद्भवल्यास सर्वांत मोठा फटका हा आर्थिक आघाडीवरच बसतो. त्यामुळे व्यक्ती कितीही कुशल असली तरी तिला नवी नोकरी मिळविण्यासाठी काही वेळ जाऊ द्यावा लागू शकतो. या काळासाठी आपल्या आर्थिक गणिताची जुळवणी करणे फारच आवश्यक असते. याबाबत आपल्या कुटुंबीयांनाही विश्वासात घेऊन काही पावले उचलणे सहज शक्य आहे, त्याबाबत...
इमर्जन्सी फंड
'तहान लागल्यावर विहीर खोदण्यात' काहीच अर्थ नसतो. त्यामुळे अचानक जॉब गेल्याची परिस्थिती उद्भवण्याची शक्यता असो वा नसो आपला व कुटुंबाचा सहा महिन्यांचा खर्च भागेल एवढा इमर्जन्सी फंड तयार करून ठेवणे श्रेयस्कर ठरते. त्यासाठी सध्याच्या नोकरीकाळात थोडीथोडी रक्कम जमा केल्यास हे सहज शक्य आहे. थेंबे थेंबे तळे साचे ही म्हण येथे लागू होते.
बजेटची नव्याने आखणी
प्रत्येकाच्या महिन्याच्या बजेटमध्ये दोन भाग असतात. एक अत्यावश्यक खर्च आणि दुसरा चैनीचे बजेट. अत्यावश्यक बजेटमध्ये किराणा, इलेक्ट्रिक बिल, मोबाइल बिल आणि अऩ्य भाजी,दूध यांचा खर्च, औषधे आदी न टाळता येणारे खर्च. हे तर लागणारच असतात पण आपण चैनीच्या बजेटमधून जसे की, दर आठवड्याला बाहेर जेवायला जाणे, चित्रपट बघण्यासाठी जाणे, गरज नसतानाही होणारी कपड्यांची खरेदी, गिफ्ट्स, पार्टी आदी. हे खर्च टाळता येण्यासारखे असतात किंवा मोबाइल बिलातही कपात करणे शक्य असते. त्यामुळे आपल्याला जमेल तेवढे खर्च कमी करणे अधिक श्रेयस्कर ठरते.
वेगळा मेडिकल इन्शुरन्स घ्या
बऱ्याच ठिकाणी आपण जेथे नोकरी करतो ती संस्था किंवा कंपनी आपल्याला ठराविक रकमेचा हेल्थ इन्शूरन्स कव्हर देत असते. त्यामुळे नोकरी गेल्यास आपले संरक्षणही जाते. त्यामुळे अनेक आर्थिक गुंतवणूक सल्लागार हे वैयक्तिक हेल्थ इन्शुरन्स घेण्याचा सल्ला देतात. कुटुंबातील कोणाची तब्येत कधी बिघडेल हे सांगता येत नाही. त्यामुळे त्याची आधीच तरतूद केलेली बरी. निदान तीन ते पाच लाख रुपयांपर्यंतचा हेल्थ इन्शुरन्स असणे कधीही चांगले ठरू शकते. शेवटी निर्णय आपण सारासार विचार करूनच घ्यायचा आहे. काही नोकरीच्या ठिकाणी मिळणारा हेल्थ इन्शुरन्स नोकरी गेल्यानंतरही सेवा देतो. त्यामुळे तसे आपल्या कंपनीला अगोदर विचारून घ्यावे.
कर्जे फेडण्यासाठी प्राधान्य ठरवा...
नोकरी करीत असताना आपण विविध कर्जे घेतो. जसे की, होम लोन, पर्सनल लोन, क्रेडिट कार्डचे हप्ते आदी. त्यामुळे नोकरी गेल्यानंतर या कर्जापोटीच्या ईएमआय भरणे आवश्यक असते. नोकरी गेल्यास सर्वप्रथम कर्ज फेडीचे प्राधान्यक्रम ठरवावे. त्यात गृहकर्ज फेडण्याऐवजी पर्सनल लोन व क्रेडिट कार्डची रक्कम प्रथम फेडून टाकावी कारण त्यावर दंड व अधिक व्याजाची आकारणी होत असते. क्रेडिट कार्डच्या पेमेन्टला उशिर केल्यास मोठा दंड व व्याजाचीही आकारणी होते. त्यामुळे सर्वांत आधी क्रेडिट कार्डचे पेमेन्ट करावे.
गुंतवणुकीचा फेरआढावा घ्यावा...
आपण नोकरी काळात म्युच्युअल फंड, मुदत ठेवी आदी गुंतवणूक योजना किंवा सोने, चांदी, स्थावर मालमत्ता यांच्यात गुंवतणूक करीत असतो. ठराविक महिन्यात आपल्या गुंतवणुकीचा आढावा हा आपण नियमितपणेच घ्यायला हवा पण नोकरी गेल्यानंतर त्यात अधिक सतर्कता दाखविणे गरजेचे आहे. आपण दहमहा एसआयपीच्या माध्यमातून म्युच्युअल फंडात गुंतवणूक करीत असू तर ती बंद करण्याचा पर्यायही आपल्यापुढे असतो. तसेच त्यातून आवश्यक रक्कम काढण्याचीही सोय असते. त्यामुळे तातडीची कर्जे फेडण्यासाठीही याचा वापर होऊ शकतो.
*कर्जाचे हप्ते सांभाळताना...
फेरआखणी
कर्जफेडीचा कालावधी वाढविता येऊ शकतो. त्यामुळे ईएमआय आपोआप कमी होईल.
फेररचना
बँकेला कर्जाची फेररचना करण्याची विनंती तुम्ही करू शकता. कर्जात सवलत मिळविण्याची संधीही यातून मिळू शकते.
आश्वासन
सध्या नोकरी गेल्यामुळे तुम्ही कर्जाचे हप्ते फेडू शकत नसाल तर तसे बँकेला कळवा व भविष्यात मी नक्की कर्ज फेडणार आहे, असे आश्वासनही देऊ शकता. यावर योग्य निर्णय बँकच घेते.
हस्तांतरण
आपल्यापुढे कर्जाचे हस्तांतरण हा एक चांगला पर्याय सुद्धा उपलब्ध आहे. आज कमीत कमी व्याजदराने कर्जे देण्यासाठी बँकांमध्ये स्पर्धा आहे. त्यामुळे कर्ज एका बँकेकडून दुसऱ्या बँकेकडे हस्तांतरित करण्याची सोय सुद्धा आहे. पण एकंदरीत फायदा-तोट्याचे गणित करूनच याचा निर्णय घ्यावा.
your job goes suddenly
how to suddenly quit your job
how to go about quitting your job
what is your job going to be quiz
how is your job going on answer
going to school is your job
what is going well with your job
how is your job search going
Life Lessons Learned From Suddenly Quitting My Job
1. There is no such thing as the right time
Do you have a crazy life changing idea that you are putting off because the time just doesn’t feel right? You’re not the only one. I wrestled with my mind for years before I finally plucked up the courage to quit my job, and you know what?
It was a colossal waste of time.
Preparation is overrated. No matter how much thought, planning and care you put into something, you will always come up short.
Life doesn’t give a damn about how prepared you are. It wants people with the balls to make something happen.
2. People will think you are crazy but that’s ok
We’re fragile beings. Our ego likes to protect our little selves from all the bad people in the world. Even though we don’t like to admit it, many of our life decisions are taken because we care about what other people think.
It’s human nature.
After quitting my job it didn’t take long for the naysayers to crawl out of the woodwork and mock me for having ideas above my station. I heard it all;
“You can’t do that. How will you survive?”
“You should have found another job first. You’ll regret it.”
“You’re insane!”
But you know what? You soon learn to ignore the haters and it’s impossible to please everyone, so in future it’s best to just live life by your own standards.
3. You learn to become responsible for your own actions
Doing something as drastic as quitting my job without really thinking it through, led me to a profound realisation;
This is all down to me.
I don’t have work colleagues to drag me down or a narcissistic manager to crush my soul on a daily basis. There is no one to blame but myself if this goes down the toilet.
That’s the beauty of taking control of your life; you’re fully in the driving seat and the motivational surge you receive as a result of grabbing life by the balls is astounding.
4. Every problem faced becomes an end of level boss to defeat
Is life easy once you quit your safe job for a life of uncertainty? Hell no. It feels like an endless assault on the senses. You’ve heard of treading water? Well imagine treading treacle.
Just keeping your head above the surface is a herculean task by itself. Forget trying to run a fledgling business. Putting food on the table and paying the rent suddenly become the only goals worth bothering with.
But you learn to cope.
And then you look for the next challenge that passes your way. You defeat that one too.
In fact, you quickly learn that life isn’t that hard after all. It’s just a videogame and you’ve got invincibility mode enabled.
You’re bulletproof.
5. Life isn’t a linear process – there is no beginning, middle and end
I’ll admit; I believed that once I picked up a few students and started making a bit of cash, everything would sort itself out.
How naïve…
Just when things seemed to be moving forwards I would suffer a setback. The few students I had on my roster suddenly quit. No feedback, no apologies, nothing.
Gone, just like that.
And then I waited.
It took me 6 months before I found a few more students to take their place. That’s a long time to wait around without any proper income. Even now, I have good months and bad months, but I have come to realise that it’s all about the process, not the destination.
Life is too big to concern yourselves with. The present moment is all that counts.
6. You can make up the rules as you go along
Who in their right mind would give up a safe job, their own apartment and independence for an uncertain life as a guitar teacher?
On the face of it, it’s crazy. But I’ve always teetered on the edge of conformity – peering over the edge to see what is possible.
Who quits their job at the age of 31 and moves back home? Who starts a degree at the same time because it seemed like a good idea? Who fills their days with German study sessions and rigorous guitar practice when they aren’t working?
Me. I do that, because I can.
I’ve learned that confusing people with your day to day activities just means that you’re doing something right with your life.
7. Nobody can order you around, but you still need discipline
I have worked under some ridiculously inept managers in my time. Borderline psychopaths, bullies, bumbling buffoons and many other things that begin with the letter ‘B’; but they all have one thing in common…
They can’t tell me what to do.
Except, this led me to a strange realisation; without the structure and discipline of a full time job I became lazy. I needed my alarm clock and the threat of dismissal for not turning up on time to fuel my day.
This is something I still struggle with. I am slowly improving but the procrastination monster still rears its ugly head from time to time.
I’ve learnt that whatever we choose to do with our lives requires discipline to achieve greatness.
8. Fear is necessary for growth
I’ll let you in on a little secret.
Life scares the hell out of me.
I used to think that there was a big difference between successful people and the likes of me. That somehow they were born with superpowers that enable them to surge through life with confidence and swagger.
This couldn’t be further from the truth. Fear doesn’t discriminate. It engulfs us all. In fact, successful people experience more fear than anyone else because they are putting their balls on the line every single day
If you’re feeling scared then it’s a good sign. You are pushing yourself further; stretching your comfort zone and experiencing something new and exciting.
Accept and embrace fear because it’s the friend of exceptional people.
9. There will never be enough hours in the day
We always want more.
If it’s not money, then it’s time.
If it’s not time, then it’s success.
If it’s not success, then it’s respect.
If it’s not respect, then it’s money. It’s a vicious cycle – an addiction.
Life is a never ending quest to seek more of what we already have. But here is a novel idea… what would happen if we simply made better use of what we currently have? Of course, seeking to improve ourselves or our life situation is desirable but what is the point of acquiring more money if you can’t manage your current finances?
What’s the point in more time if you don’t make use of what you currently have?
What’s the point in building a reputation if you allow complacency to set in?
Everything; time, money and respect must first be earned and then utilised effectively. Do you only have $50 in your account? Stop binging on fast food and use that money wisely.
Do you only know a few people who trust and respect you as a businessperson or as a brand? Word of mouth is powerful; keep these people on side and you’ll reap the rewards later.
Do you only have 2 hours in the evening to spend with your loved ones? Make those 2 hours count.
Successful people make the best of what they have whilst continually striving to improve.
10. Excellence is 100% – everything else is failure
For years I coasted through life – doing the absolute bare minimum. Hoping that no one would notice how my whole existence was a master class in incompetence and laziness.
Everything from playing the guitar, my job, training in the gym and even my social interactions were all accomplished with this mentality. I felt like a fraud.
I needed to change, and fast. To do this I had to take a long, hard look at myself and accept that the only way I was going to be able to achieve anything is with complete transparency.
No more lies. No more covering up the cracks. It was time to get brutal.
I’ve discovered that success is a habit forged through a combination of time and effort. There are no shortcuts. Is it possible to put 100% into one area and then coast in another? For a while maybe, but eventually the lesser activity will start dragging the others down.
Consistency is the key. Eliminate the fat from your life and put 100% into whatever remains. Cement the habit and don’t settle for second best.
Since implementing this mentality my output has improved dramatically. My guitar playing has improved. My business has more students than ever. I’m finding that my studies and my assignments are getting easier. I am training harder than ever before and my diet is in check.
It’s not a coincidence.
By suddenly quitting my job I have finally learned how to live my life.
Try it. See what happens.
Jobs in Lilavati Hospital
