DEALING WITH YOUR SALARY

You're on your own and loving it. Your. apartment is great, and you've even found some furniture for it. Okay, so the couch from Mom and Dad's basement wasn'texactly what you had in mind, but it will do for now. Your car is running, even if it's not thatVolkswagen]etta you have your eye on. You've got a credit card or two, a job,and a bunch of friends to hang out with. Life is good.Let's talk a little more about your job. Maybe you've been incredibly lucky and landed a job that gives you personal satisfaction, great benefits, and $40,000 a year. If so, congratulations! You should know, though, that you're definitely in the minority.

Most starting jobs don't pay $40,000. Some don't even pay half that much. But these aren't jobs that you'll keep until you're 60 or 65. You'll be m.oving up, leaving your first and second and third jobs to someone else. In the mean time, you've got a jobthat, handled properly, will lead you to another job. You're meeting people, making contacts, and gaining experience. You're getting benefits and chance to have an alternative to the credit unions , such as health insurance, life insurance, and paid vacations.Starting out on your own is an exciting time, but it is generally not the easiest time financially.

Both before and after people start calling and asking you for money, you can take action to improve your situation. The key to dealing with creditors is to be honest and open with them. You don't have to reveal every detail of your life, but you must clearly relate the facts that affect your ability to repay your debt. First and most important, if you suddenly fnd yourself in a position where you can't pay bills (for example, if you lose your job or have overwhelming medical bills), immediately contact all creditors (utility companies, credit card companies, and so on). Let them know that you're experiencing financial difficulties. More than likely, your creditors will allow you to miss one or two payments if they know that you'll be able to repay in the near future, or they may permit reduced payments during the crisis.

If you already have bills past due and you haven't contacted your creditors, do so as soon as possible. Understand that silence on your part is viewed as reluctance to pay bills. However, taking the initiative and contacting creditors frst is viewed as an indication that you take your debts seriously and are committed to making eforts to repay. By talking to your creditors, you may be able to make arrangements that
keep accounts from being turned over to collection agencies.

Remember that the jobs of the people with whom you speakdepend on collecting debts, so you may need to be frm and persistent. However, they do want to retain you as a customer, and they understand that slow repayment is better than no repayment.

There are conflicting reports out there concerning Gen Xers and jobs. On one hand,we're told that our shift as a society to a service-based economy is forcing youngpeople (even some with college degrees) to take low-paying jobs just to have an income. On the other hand, we're told that young people have more opportunity than ever for high-paying jobs in fields such as engineering, computers, and health care.
On one hand, we're still fearing corporate downsizing, which rode roughshod through American workplaces earlier in this decade. On the other hand, we're hearing that employers are desperate for workers, and now is the time for employees to negotiate for better salaries and job conditions. One thing we do know is that although Generation Xers have been portrayed by the media as a group of lazy, whining 20-somethings, a closer look reveals something very different. Studies show that nearly 80 percent of Gen Xers are employed full time, and another 15 percent work part time or are full-time students. Only 5 percent are unemployed.

Overall, you're not doing too bad in the salary department, either. The average yearly salary for 25-to-34 year olds who have college degrees and full-time jobs is $34,000. Of course, there are many workers without college degrees who are making significantly less money. The median income (half make more, half less) for Gen Xers is about $23,000, according to a USA Today/Gallup Poll.

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