I now feel comfortable enough to share, that in my previous teller position I felt pressured to do things that I didn't necessarily agree with. There was never anything clearly stated that said, "push this product, regardless of how it screws the customer," but I found myself doing things and making compromises that I just wasn't happy about anyway, "just to keep my job."
I have always wanted to help people, and some days I would go home from that job and feel like I had done the exact opposite. I felt pressured by my sales goals, and I felt stuck in a hostile work environment, where everyone was desperate to meet their own goals. I am very excited to be finally stepping into a corporate culture centered around helping people achieve financial success. I truly believe that the Credit Union cares about their members, and I feel empowered by that belief. I think that this will be a real opportunity to impact my customers lives in a positive way.
This focus on helping others achieve financial success has also changed my own financial focus. Following the advice of fellow bloggers (and friends Kayla and Erin), Aaron and I have started using the Dave Ramsey Envelope System. I cannot even begin to tell you how good it feels to 1) pay cash for something! and 2) see those debt balances dwindling. We now use cash for everything, even gas and groceries. The actual process of going to the bank, taking all the money out, dividing it up and placing it in envelopes is very time consuming. I think spending all that time with your money makes it so much more real to you. At that point, spending it is something that you actually feel, and it doesn't feel good!
Since getting on board the Dave Ramsey train, Aaron and I have created a firm budget, paid off one credit card, paid off a small loan, and made a schedule that projects that we will pay off our large credit card in 3 months, and our house in 2 years. All this may not sound big to you, but it is making my life SO much less stressful. We have been trying to pay off the large credit card for years, seeing it come down to 3 months is insane to me. And as far as the house goes, we will be paying off our 30 year mortgage in a mere 6 years and before we are 30! How many people today get to say that?
The best part is, you can access the Dave Ramsey site, completely free. I highly recommend that you check it out.