Singaporeans have a reputation for being very good at complaining. This is not a bad thing per se. After all, if some things are really bad and in urgent need of correction, we should complain. How else would the relevant authorities know about the problems and to take action? I draw the line at taking videos and photos of minor incidents and posting it on Stomp!
However, what I really find unacceptable is perfectly healthy and whole people complaining about how they do not make enough money. I have blogged about this before and I must say this again: If we feel that we are not making enough money, ask ourselves if we are being shortchanged.
Are we being paid fairly? If others in similar position are being paid more, hey, we got a raw deal! Negotiate with our employer. If we are really good workers, our employers would want to keep us and give us a much deserved raise. If we are sub-par workers, we should keep quiet if we want to keep our job (and, hey, stop complaining). We have a choice if we want to do better or to remain sub-par, of course.
Would you believe me if I were to tell you that it is always harder to keep really good workers in any company? Sometimes, even with above market rate compensation, it could be difficult to retain really good workers. Why? They keep improving themselves and would try to look for better paying positions which could even be in a totally different industry. Jobs could even come looking for them! These people are dynamic and driven. It is not surprising that they are usually able to earn higher incomes. One day, they could even strike out on their own and run their own businesses.
Very few things in life are free. To earn money, we must give something in exchange. To make more money, we must give more in exchange or give what few could give as it would be more highly valued. If we have a relatively low income and would like to have a higher income, complaining is unlikely to help make us more money.
Now, I always say that we are all made differently and some of us are just comfortable enough doing what we are doing, feeling that there is no reason to change. Is there anything wrong with this? Well, if by keeping the status quo, we become wage slaves, yes, it is wrong, very wrong.
The last thing we want to be is to be a burden to people we love or, indeed, to society as a whole. Well, I could be generalising too much but common decency would require that we think this way. Taking affirmative action to plan for self-sufficiency, avoiding dependency, is not only financially prudent, it is the responsible thing to do.
Think of our lives like how we would think of a business. Healthy personal finances would require us to, firstly, increase our revenue and, secondly, to keep our expenses prudent. OK, not necessarily in this order.
If we feel that we do not make enough money, look at our revenue and expenses. Something must be wrong with one or both. Yes, it is that simple. Unless we are severely disadvantaged in some way, there is no reason why we cannot do something about one or both.
With such people who are always complaining they do not have enough money, naturally, I would not even talk to them about investing in the stock market. They have to seek freedom from their mental shackles first. Otherwise, they are just wasting everyone's time.
Do you know of anyone like that? If you do, try reaching out to them. You would be doing them a big favour.
1. Do you want to be richer?
2. Wage slaves should be fearful.
3. Money management: Needs and wants.
4. A common piece of advice on saving.