The Meaningful Career Path: 4 Jobs Which Help People And Pay Well

Everyone who has a career wants to enjoy their job. There is nothing worse than waking up in the morning and having to drag your body out of bed. Not only is it stressful, but it is also depressing. The thing which stops most people from following a career path they love is money. Let’s face it; you have to pay the bills which means money takes on a greater importance. However, the truth is this doesn’t have to be the case. There are numerous jobs which are as well paid as they are rewarding. Below is a selection just to give you an insight.

Bail Bondsmen

When you think about a rewarding job, becoming a bail bondsman doesn’t spring to mind. But, think about it rationally for a moment. As Acme Bail points out, you get to give victims of the judicial system a chance for justice. Also, bail provides every defendant the opportunity to fight their case the best they can without being behind bars. For those who are guilty and skip bail, it is your job to track them down, return them to custody, and collect your money. For your troubles, the average wage begins at $25,000 but jumps to $75,000 and then $100,000 after a couple of years.

Neurosurgeon

From one extreme to another, the median pay for a person in this field is $380,000. To put that into perspective, the average wage in the US is $80,000. Even when you take into account student fees, a neurosurgeon is in pocket by almost $200,000. Of course, the pay is excellent, but the job is one of the most rewarding, too. According to Forbes, there is a 97% job satisfaction rate in this field. Recent studies suggest 52% of Americans are unhappy at work, so this number is off the charts.

Senior Construction Manager

If you are hands on in another way, construction is the career to follow. Like neurosurgeons, the majority of managers love their job. In fact, the number is 100%. Yes, the same poll by Forbes found that every person in this field they asked felt the job was meaningful. After all, it is a position which allows you to bring your ideas to life. Regarding the pay, the money is less than being in neurology, but $125,000 is not an amount to take lightly. Indeed, it is $45,000 a year more than the national salary average.

Aircraft Test Pilot

Even if you didn’t know 91% of people thought the job was meaningful, you would guess it anyway. Although air travel is the safest form of travel, it comes with a lot of dangers. Therefore, every base needs covering before a plane takes to the sky. As the test pilot, you are responsible for ensuring the aircraft follows company procedures to the letter. Anything which is out of place needs recording and fixing because you are in charge of 100s of lives. To reflect this, the median salary is $120,000.

If you think you can’t have your cake and eat it, tell that to the construction managers and bail guarantors of the world.

5 Tips for Catching Up on Bills After They’ve Gotten Behind

It’s easy to get behind on bills without even realizing it, especially in today’s uncertain economic times. You could easily miss the electric bill and realize that you now owe two month’s worth at once. There are a few tricks to saving or making money where you can and catching up on bills after they’ve gotten behind, but it takes work and dedication. With these five tips, you should be able to get caught back up sooner than you think and any permanent damage is done.

Choose a Cheaper TV Bundle

If you’re struggling to pay your bills, having the biggest TV bundle isn’t the best idea. Pick a cheaper bundle that will still allow you to get some channels you like without costing an arm and a leg. Choose the bundle for you through your television provider by seeing which options are most affordable and which have at least a few of the shows you regularly watch. You wouldn’t want to miss some of your favorite episodes.

Dine In, Not Out

It is far cheaper to eat at home than it is to dine out at a restaurant. Shop sales when you get groceries and find affordable ingredients you can use to make meals. If you live alone, you can eat for cheap if you get the right foods from the store. It may be a bit trickier if you have a family to feed, but the same rule still applies. Dine in and not out and you will see how much you save. This goes for work lunches as well. Bring a bagged lunch from home rather than going out with coworkers or getting something from the vending machines. You may think you’re only spending a few dollars, but that adds up quickly week after week.

Drink Water

Not only is it healthier for you, but it saves you money as well. You can spend a lot less drinking the tap water you already pay for than you would going out and buying soft drinks, chocolate milk, juice, and other beverages. If you don’t like the taste of tap water, or yours isn’t safe to drink, you would still spend a lot less buying some bottles of water for a few dollars a pack than you would getting all those other sugary drinks.

Handle Chores and Housework Yourself

Too many people pay a housekeeper to handle chores around the home. Many hire a handyman to fix things as well. When you’re in a tight spot, you really can’t afford these services. Save some money, at least for now, by handling some of the chores and housework yourself. If you truly need help getting it done, ask some family or friends if they have the experience. It would cost much less to offer them a small gift of thanks for helping than it does to hire an expensive professional.

Sell Unused Items

Sites like Craigslist, LetGo, and even Facebook garage sale pages have become increasingly popular over the years. Take advantage of these available options and sell any unused items you have in your home. You can quickly rack up some cash for bills if you sell things you no longer need. See what prices some of the stuff is going for and set a fair amount for your items.

If you don’t have any financial goals, that’s a sign your finances need an overhaul. You need to start mapping out plans for the future so you don’t get stuck in this spot again. With these five tips in mind, you can start to catch up on your bills after they’ve gotten behind and get your financial situation back under control. It will take some time and effort, but it will be worth it in the end when you’re back on track and creating savings in the process.

Freedom Debt Relief Reports: What You Can Do About Medical Credit Card Debt

One of the most dangerous types of bills to leave on your credit cards are medical bills; unfortunately, these are also some of the most common, as few people are able to pay the balance of expensive medical procedures out of pocket. Even with comprehensive insurance,  you may be unaware of how much medical treatment will actually cost, thanks to complicated insurance policies and ever-changing co-pay fees. When you’re injured, there’s usually not time to think about costs, prices, or to shop around for the lowest costs- you need care urgently, which leaves most people with few options except their local hospital or urgent care center. This can easily translate into an unexpectedly large bill that can hurt your credit score if left unpaid. We consulted some of the experts at Freedom Debt Relief to help understand what makes medical debt unique and what you can do if your medical debt is hurting your credit score.

If you’ve got an unpaid medical debt on your credit card, you’re not alone- a new survey by The New York Times found that amongst those with medical bill debt on a credit card, 31% had accumulated $5,000 in debt that they had trouble paying off, while 13% had amassed over $10,000 worth of outstanding debt. Even relatively small medical expenses have the potential to throw a wrench into a large percentage of America’s finances; according to a report by the Federal Reserve, 46% of Americans would be unable to pay a $400 medical charge out of pocket, and would have to charge it or borrow money to cover the expense. This trend signifies that more and more Americans are relying on credit to pay for their medical bills, which can be a long-term problem in terms of credit score if the borrower is unable to meet the minimum regular payments.

But how do these unpaid bills negatively affect your credit score? If you have an outstanding bill that is associated with your medical debt, it will depend on when your medical provider has reported the debt to a collection agency following a period of payment inactivity. If they have reported your debt to one of the three major credit bureaus, your credit score will likely drop. Not paying your medical debt will count as a strike against your payment history, the most important contributing factor to your credit score; according to Freedom Debt Relief, your payment history composes about 35% of your credit score. This means that if you are consistently missing payments, like those on your medical debt, you will likely face a drop in your credit score, increased rates of interest, and denial of future loans or applications.

Freedom Debt Relief advises anyone with medical debt to formulate a plan to pay their debt off as soon as possible, lest they become trapped in a cycle of missed payments and lowered credit scores.

There is some good news- some credit bureaus are now weighing medical debt less than other types of debt when calculating scores. While previously all debt was treated the same, the FICO 9 and VantageScore 3.0 now place less weight on medical bills than other types of bills in the collection of debt. This means that if your medical debt is the only debt on your account, you will face much less drastic changes in credit scores than previously. Additionally, collections can only stay on your account for up to seven years, meaning that if you can wait seven years, the medical debt will expire and your credit score will begin to improve. However, the downside to these two lights of hope are that most credit bureaus have not yet adopted the FICO 9 or VantageScore 3.0, and many will continue to deny you credit for all seven years. If you want to avoid this serious damage to your credit score, it’s best to consult with financial experts to cultivate a plan to deal with your debt.

Freedom Debt Relief could help you put medical debt behind you. As a top debt resolution company, Freedom Debt Relief has designed their program to significantly reduce the amount of debt you owe, and could help you to become free of credit card debt. If you don’t know how to handle your medical debt, get the help of the largest debt negotiator in the country on your side- and move confidently into your new future.