Reading this article won’t make you rich

That is a pretty nice idea though, read and grow rich.  I like it, but that’s not what actually will happen or we would all be rich.

To improve your financial condition you need to work at.

If you don’t like your current job with the trucking company you are working for, scout around for a new employer.  There are many other trucking companies around the country that may be looking for a driver just like you.  Heck, there are ads in trucking magazines all the time looking for truckers.   Call around and ask trucking companies what they have to offer you.  This is especially true if you have an impeccable driving record and can prove it.  Negotiate for better pay / benefits.  If you don’t ask, you don’t get.

Word of mouth is a power thing.  Ask other truckers where they work and what they have to say about their employer and how long they have worked there.  

Keep in mind that some people like to complain for the sake of complaining, so weigh your information carefully before making any employment decisions.

Now that you have a little extra money in your pocket, put it aside in a savings account someplace.  Spending the surplus as fast as as you make it may be a lot of fun and provide some good times, but it doesn’t provide you with any financial security.  Money in a savings account to fall back on provides you with some peace of mind and security if you were to suddenly be without a job due to health issues or layoffs. 

Shop around to different financial institutions that will pay you some interest on your money, regardless of amount.  I recently started a savings and checking account on-line with ING and earn 1.5% on my checking balance and 2.75% on my savings balance.  Check them out and decide for yourself if this is right for you.  Having your savings account a little less accessible is sometimes a good thing.  The likelihood of spending the money is reduced and forces you to really think about every purchase you want to make using your savings

An extra $5 or $10 here and there all add up over time and suddenly you have $100, then $1,000 and then who knows how much.  You get the idea, but you need to start.

What about all that change that rattles around inside your truck.  Gather it all together in one place and periodically cash it in and put it into a savings account.  You’d be surprised at how fast all that change adds up.  I’ve heard of people taking a nice vacation on just what they saved over a couple years in change.

Have a goal for your savings also helps you get more disciplined with your spending.  Pick out a realistic goal and begin saving for it.  Have a picture of your goal so you can see it from time to time and anticipate having it.   

Make a plan and then work your plan to achieve your goal.   

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