Employment Hub
January 2014 Vol. 1
14 Ways to Slash Your Expenses in the New Year
No matter what mistakes you made in 2013, you get a do-over in 2014. The beginning of the year is a great time to make changes that will boost your bottom line going forward. But before you can make a plan to save money, you have to find out where your money's going. If you use an online budget tool or computer program to track your spending, run some reports and evaluate where your money went. If you don't have any records, write down every penny you spend for a month.
"It's hard to figure out where you're overspending until you know where you're spending," says Jean Chatzky, author of "Money Rules: The Simple Path to Lifelong Security."
Once you've got a record, do some analysis. The first question, obviously, is whether your outgoing funds exceeds your income. If you've got a mountain of credit card debt, and every month you spend more than you take in, you need make some changes.
"This can happen to smart people, to anybody, to responsible people," says Beverly Harzog, author of the new book "Confessions of a Credit Junkie: Everything You Need to Know to Avoid the Mistakes I Made." Her problems were caused by overspending when she was young,
Even if your expenses don't exceed your income, drilling down into your spending may reveal places you can painlessly cut costs to have more money for retirement, a home down payment or an exotic vacation.
The best spending plan for you may not be the best plan for your neighbor. We've all heard the cliche about cutting out the morning latte, but that isn't going to work for everyone, especially those who never buy lattes. "If you value that takeout coffee -– if it puts a little joy in your day -– I don't believe that's what you should cut," Chatzky says.
For some people, cutting out the morning latte won't make a dent. They may have to look at more painful cuts, such as moving to cheaper housing or choosing public rather than private schools. "Sometimes the little trims here and there aren't enough," Chatzky says.
Here are 14 ways to slash expenses in the new year:
Cook more at home. "We eat so frequently on the go these days," Chatzky says. "The evidence is gone before you get home." Anyone who can read can cook, and the Internet is full of websites with easy, healthy recipes.
Save on groceries by shopping store sales and using coupons. It's true that a lot of coupons are for junk food, but that doesn't mean you can't save with coupons, particularly on personal care and cleaning products. Store sales can provide even bigger savings. Many products go on sale every two, three or six months. Watch the sales cycles on products you use, and stock up when prices are lowest.
Look for happy hours and restaurant deals. For many people, drinks and dinner with friends are a big part of socializing. If you don't want to give that up but you want to spend less, find restaurants with 2-for-1 drinks and free or cheap appetizers and make those your dinner. Join restaurant email clubs to get coupons you can use to cut the price of restaurant meals.
Call your cable TV and Internet provider and ask for a better deal. As more users abandon cable and more competitors get into the market, companies want to hang on to customers. That means they're ready to make a deal. You'll get the best deals from the customer retention department, which is where you call to cancel. "The last time I did this, I saved close to $50 a month," says Liz Weston, author of "Deal with Your Debt: Free Yourself from What You Owe."
Investigate cheaper cellphone plans. Many carriers are offering new no-contract and pay-as-you-go plans. If you find a plan you like, and your contract is up, ask your existing carrier if it will match the price or give you a better deal.
Cancel your landline phone. Many people find they rarely make calls on their home phone. If you're not using it, why are you paying for it? Ask about bundling your phone with your cable and Internet service –- but be warned that a cable phone won't work in a power failure.
Review your insurance costs. Call your insurance agent and make sure you're getting all the discounts to which you're entitled. Make sure your coverage fits your current circumstances. If your teenage driver moved out and got his own car, get him off your policy. You might also want to get quotes from other companies on auto or home insurance.
Call your credit card companies and ask for lower rates. Or do balance transfers. Credit is loosening up and card companies are sending more offers. If you get a good offer, call your existing company and see if it will match the new offer. If your credit is good and you make all your payments on time, you're in a good position to negotiate. "All they can do is say no," Harzog says. "Consumers have more power than they know."
If you are in debt, make a plan to pay it off. Paying $200 a month in interest charges is a waste of money that would be better used toward retirement savings, your kids' braces or a trip around the world. Some experts advise paying off the smallest balances first, although Harzog recommends targeting those with the highest interest rates. Either way, start paying off those cards, one at a time. Make the minimum payments on all cards, but target one card at a time and make bigger payments so you can pay it off. When you've paid off one card, go to the next.
Look for a cheaper health club. Are you paying $75 a month for a gym membership you never use? Maybe you should cancel and take up walking, biking or hiking. Perhaps you can get a gym membership that's equally good for half the price at a YMCA or community center. Shop around.
Look at the fees associated with your bank and investment accounts. If you don't have free checking, ask your bank what you can do to get it. If your bank doesn't offer free checking, find one that does. If mutual fund fees or stock account fees are eating into your returns, move your accounts to a discount brokerage, especially if you're not getting personalized advice.
Don't shop for recreation. If you're not in the stores, you won't be tempted to buy. That goes for yard sales and thrift shops, too, Weston says.
Be careful of online purchases. It's easy to shop online in the wee hours of the morning, but that spending can add up. Unsubscribe from email alerts that urge you to spend. Get yourself off stores' online mailing lists and restrict your online shopping to things you really need, when you need them.
Make a budget and stick to it. Give yourself a realistic allowance for discretionary spending and don't spend any more than that. "It sounds quaint," Harzog says, but having a budget works.
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Please remember that if you are interested in any of these jobs that you need to log on to jobs.scworks.org in order to apply for them or look up the qualifications necessary to apply.
Temp Agency Listing for Columbia, SC
Able Body Labor
1127 B Avenue
West Columbia, SC 29169
(803) 926-8024
Carolina Personnel Services
810 Dutch Square Blvd., Ste. 101
Columbia, SC 29210
(803) 750-0077
TRC Staffing Service
1218 Henderson Street
Columbia, SC 29201
(803) 255-7267
Accountsource
5000 Thurmond Mall, Suite 341
Columbia, SC 29201
(803) 217-3788
Gallman Personnel
1360 Browning Road
Columbia, SC 29210
(803) 750-4878 -or-
(803) 477-8668
Randstand
275 Harbison Boulevard
Columbia, SC 29212
(803) 407-0576
Accountemps
1441 Main Street, Suite #750
Columbia, SC 29201
(803) 252-2555
Kelly Services
250 Berryhill Road, #101
Columbia, SC 29210
(803) 798-0765
Remedy Staffing
612 St. Andrews Road, #12
Columbia, SC 29210
(803) 743-0707
Action Labor
2111 Wayne Street
Columbia, SC 29201
(803) 256-6010
Labor Ready
2600 Millwood Avenue
Columbia, SC 29205
(803) 256-5544
Riley Staffing Resources
3935-C Sunset Boulevard
West Columbia, SC 29169
(803) 936-1006
ADECCO
7499 Parklane Road, #144
Columbia, SC 29223
(803) 741-7200 -OR-
800 Dutch Square Boulevard
Columbia, SC 29210
(803) 798-0533
Lighthouse Staffing
4500 Ft. Jackson Boulevard
Columbia, SC 29290
(803) 782-1008
*Attends SCWorks Office
Roper Personnel
125 Outlet Pointe Boulevard
Columbia, SC 29210
(803) 798-8500
Aeroteck
115 Atrium Way, #117
Columbia, SC 29223
(803) 451-3800
Manpower
1410 Colonial Life Blvd, Suite 270
Columbia, SC 29210
(803) 731-5469
Snelling Staffing
6941 North Trenholm Road
Columbia, SC 29206
(803) 790-7171
(803) 359-7644 / Lexington
Appleone Employment Services
3800 Fernandina Road
Columbia, SC 29210
Phone: (803) 407-0777
Office Team
1441 Main Street, Suite 750
Columbia, SC 29201
(803) 252-0222
Spherion
16 Berryhill Road, #119
Columbia, SC 29210
(803) 772-4915
Career Connections
1320 Elmwood Avenue, Suite E
Columbia, SC 29201
(803) 256-0230
Pride Staffing
1700 Decker Boulevard, Suite B
Columbia, SC 29206
(803) 782-0082 / (803) 782-0083 fax
apply.pridestaff.com
StaffMark
4700 Forest Drive
Columbia, SC 29206
(803) 782-3593
Capital Personnel Service
1950 Bush River Road, #4
Columbia, SC 29210
(803) 772-0440
ProLogistix
3740 Fernandina Road
Columbia, SC 29210
(803) 798-1700
NOTE: Lighthouse Staffing and Manpower utilize the Columbia SCWorks Office for services and job fairs.
New Job Search Website Ranked One of the Best in 2014!!!!
_________________________________________________________________________________________
PHYSICIAN OFFICE ASSISTANT II
Department:Atrium Ridge Internal Medicine
Schedule:Full-time FTE 0.9 -1.0
Shift:AM
Hours:8 hours
Contact:800-321-5552
oneteam@palmettohealth.org
_________________________________________________________________________________________
Careers at Holland
Supervisor In Training - Rail Welding
Location:* Nationwide * (Mobile Welding and Track Testing)
Req ID:223
# of openings:2
Salary Range:NOT DISCLOSED
Description
Supervisor In Training, Rail Welding- Nationwide
Holland Company, a recognized leader in rail services, has over 500 employees throughout the U.S. and Canada and sales approaching $100 million. We now seek a future-directed individual to join our winning team.
Our Mobile Welding crews travel the continent, performing flash-butt welding for major railroads in state-of-the-art “road-to-rail” vehicles. This job is not for everyone, crews often spend 3-4 weeks at a time on the road and work in all types of conditions. If you’ve got a desire to see the world and a desire to be your own boss, this job is for you!
To qualify, you’ll need have strong mechanical skills, like working outdoors in all weather conditions and be comfortable traveling. We also ask that you can obtain a CDL within the first year of employment. You will only be driving 5% of the time. Candidates will start off as "welder helpers" to learn the process, with top candidates able to move into Supervisor roles in as little as 6 months!
Prior welding experience not required. This is not a driving position. You will only be required to drive 5% of the time. CDLs are needed to move the truck between the job site and hotel. This position will not require you to relocate. You’ll need to have easy access to a major airport.
Please note that this position requires extensive travel. You may be on the road up to 4 weeks at a time before returning home. Please consider this carefully before applying.
To qualify, you'll need:
- CDL Class A strongly recommended
- 1-2 yrs of driving experience preferred but not required
- 2-3 years of supervisory experience preferred
- Clean driving record
- Strong mechanical skills
- Ability to work without direct supervision
- Ability to travel extensively and work in all weather conditions
- Ability to interact directly with the customer in a professional manner
- Proven ability to make sound independent judgments and decisions
- Proven leadership ability
- HS diploma
In return, we offer a competitive salary and a very comprehensive benefits package, including medical/dental/vision insurance, term life/STD coverage, profit sharing, performance bonus, personal incentives opportunities, paid vacation and holidays, credit union, and much more!
__________________________________________________________________________________________
Office Clerical
Date: Jan 9, 2014
Location: Cayce, SC, US
Office Clerical-10137838
Description
Cintas is currently looking for an Office Clerical partner to support numerous office functions. Specific duties that may be assigned include accounts receivable, accounts payable, data entry, and receptionist. All work will be done in person or via phone and e-mail. Word, Excel, PowerPoint, Outlook and the AS/400 system are the computer based programs used for the position. Basic administrative responsibilities will also include, faxing, filing, photocopying, managing incoming and outgoing mail, and creating letters, memos and proposals. Position involves daily interaction with other office support positions, managers, Service Sales Representatives/Route Drivers and customers.
Qualifications
• Accurate typing and 10 keypad experience
• Computer skills including MS Word, MS Excel, MS PowerPoint, MS Outlook, Intranet/Internet, and AS/400 preferred
• A high school diploma preferred
• Previous administrative experience in a similar environment preferred
• Availability to start within two weeks after offer made/accepted preferred
Our partners enjoy:
• Competitive Pay
• 401(k)/Profit sharing/ESOP
• Medical, Dental and Vision Insurance Package
• Disability and Life Insurance Package
• Paid Vacation and Holidays
• Career Advancement Opportunities
Cintas Corporation is an EEO/Affirmative Action Employer M/F/D/V
Job Category: Administration, General Office & Clerical
Location: US-SC-Cayce
Organization: Rental
Employee Status: Regular
Schedule: Full-time
Shift: First
__________________________________________________________________________________________
Fitter/Welders
Details:
Location: Columbia, SC
Salary: $22-$26 per hour
Employee Type: Full-Time
Required Education: Minimum HS or GED
Required Experience: 2+ years
Travel Required: Yes
Nationwide travel is likely required for this position.
_________________________________________________________________________________________
Administrative Assistant III - Columbia, SC
Columbia, SC, United States
Job number: 1300080066
Back to resultsJob description
Description:
Performs moderately complex administrative duties, reviews drafts and finished documents and edits for grammar usage and style. Prepares presentation materials; arranges meetings, conferences and premise / phone moves. Handles highly sensitive information. May coordinate department training and monitor security / database administration and compliance. Schedules travel accommodations, orders supplies and performs other duties. Serves as resource for basic company policies and procedures such as vacation and expense reimbursements. Requires strong administrative support skills and thorough knowledge of a variety of software programs.
Qualifications
Qualifications:• Undergraduate degree or equivalent experience preferred
• Minimum of 1+ years professional experience required
• Series 7 & 63/65 or 66 registration preferred
• Prior knowledge of financial products, policies & procedures is required
• Strong client service & technical skills (MS Word & Excel)
• Strong communication, time management and organizational skills are required
Posting Date: 18/12/2013
Location: US-SC-Columbia
Language:
Travel: No
Hours Per Week: 37.50
Full / Part-time: Fulltime
Shift: 1st Shift
Weekly Schedule:
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Tips for Job Searching 2014
Monday, Jan 13, 2014, 10:00 AM
700 Taylor Street, Columbia, SC, United States
Who's Hiring in Manufacturing and How Do I Get Started?
Tuesday, Jan 14, 2014, 02:00 PM
700 Taylor Street, Columbia, SC, United States
Marketing Yourself
Wednesday, Jan 15, 2014, 09:00 AM
700 Taylor Street, Columbia, SC, United States
Does Your Resume Walk the Walk?
Wednesday, Jan 15, 2014, 10:00 AM
700 Taylor Street, Columbia, SC, United States
Mock Interviews: Time to Shine!
Wednesday, Jan 15, 2014, 11:00 AM
700 Taylor Street, Columbia, SC, United States
Creating PowerPoint Presentations
Thursday, Jan 16, 2014, 10:00 AM
700 Taylor Street, Columbia, SC, United States
Finding a Job Using SC Works Online Services
Thursday, Jan 16, 2014, 02:00 PM
700 Taylor Street, Columbia, SC, United States
Sorry, we will be closed on 1/20/2014 out of respect for the holiday.
Starting Your Small Business
Tuesday, Jan 21, 2014, 02:00 PM
700 Taylor Street, Columbia, SC, United States
Resume Clinic
Friday, Jan 24, 2014, 02:00 PM
700 Taylor Street, Columbia, SC, United States
WIA Program
Email: brichburg@midlandsworks.org
Website: midlandsworks.org
Location: 700 Taylor Street, Columbia, SC, United States
Phone: 803-737-4690