Just When Your Boss Stops Paying You

It’s never hard for me to take pride of being a single working mom.

Who would have thought that by the age of 28, I’ll be a virtual assistant / blogger / customer representative / financial advisor / entrepreneur / mom, all at the same time? No one, even me! So, as an individual, just imagine how I juggle my time from one role to another, just for me to be a good mom and a good dad, both at the same time.

But what would you do when one of your Boss’ stops paying you? Worse, he didn’t even inform you that he won’t pay you? How would you react? What would you do?

Just imagine those working hours that you allotted to fulfill your duties. Imagine those me-times and the supposed to be time for your kids that you gave up, just for you to work for that person. Yet, that effort wasn’t monetize. And you know what’s worse? You were not informed that you will never get paid!


A huge part of me is saying, YES! It would have been a time well spent to do other things that could have monetized by now. It would have been better if I have spent those times with my kids or my dog, or I could have blogged more than I did for the past few months, because those are the things I don’t mind doing even if I don’t get paid. I should have spent those times meeting other people who can help me in my future business ventures, instead of being stuck on my laptop doing things for a person who doesn’t even care what I’m doing.

Believe me, there’s a long list of my should haves, could haves, and would haves, yaddah, yaddah, yaddah, but it all boils down to one thing… I’M STILL NOT PAID.

But should I continue with my remorse?


Life is beautiful to be forever stuck in a situation that is totally unwanted. Yes, it’s true that I have unpaid hours that could have been more productive if I used it differently and I might be enjoying the fruits of my labor by now. However, I am still thankful because this situation have taught me one thing: ALWAYS BE THE BIGGER PERSON IN ALL YOUR DEALINGS.

This situation taught me not to react negatively or not to act by impulse. I guess it’s normal to get pissed in this kind of situation. What’s not normal is not to get over it AND do some crazy destructive stuff against the Boss. Always be the bigger person by not giving in to the primitive survival instinct of human nature. Always be the bigger person by controlling your willingness to out burst in anger and frustration because of not getting the well-deserved compensation. Just think of it this way; sure you can curse him, hate him, shout at him, and do those crazy destructive activities towards him, but one reality still remains: “You’re still not getting paid!” So, why waste a ton of energy striving to get what you think you deserve and go for more productive activities and choose a more mature disposition in handling this kind of situation. Fighting for what you deserve is good. However, you should know when to let go. Think about it. How much where you trying to get for your unpaid hours? Is it worth going through the stress? If YES, go ahead and go get your boss in the head. If NO, just move on and be happy.

I’m still grateful for situations like this because it’s teaching me be the bigger person by keeping a grateful heart. I’m still thankful that before this happened to me, I had the initiative to get a different source of income aside from that job. If it’s the only source of income I have, then, that would be an entirely different story. One of the downsides of home-based jobs is the risks of not getting paid. But if you’re the bigger person in the picture, you’ve already anticipated this situation and should have worked on making the risks smaller by spreading the eggs to different baskets, if you know what I mean.

I’m grateful for this situation because it made me realize that once I’m already hiring people to work for me, I should never EVER be an inconsiderate Boss. I will put my business and all the persons involved in my priority list. As a Boss, I have the moral obligations and responsibilities to my employees which I have to uphold, to be able to continue touching the lives of the employees together with their families.

So, yes. In this situation, I choose to be the bigger person and move on. For me, this is the best option to choose because it’s a less stressful option. I’ll just let it pass me by. Anyway, God is not blind and He sees all our dealings. He has seen how much effort I’ve put in to my work for that person for more than a year. I believe I will get compensated in God’s time.

How Do You Manage Your Salary?

That’s a good question, don’t you think?

Now, I want you to check on your latest salary and then try to reflect, “Where did I spend my money?” Try to recall your expenses, bills, and your savings. Do they all sum up? Yes? No?

I am a newly government licensed financial advisor, and I discovered a lot of things that I wasn’t aware of before, like how to manage my own money, and how to do away from living a paycheck to paycheck lifestyle.

My first AHA-moment was when our trainer told us that ideally, we should have a 6-month contingency or savings. That contingency will serve as a buffer for emergency purposes and/or in case of unexpected job loss. At that moment, I was thinking “I didn’t know that and I don’t have that much contingency.”

According to Bankrate.com in June 2013, 76% of Americans were actually living from paycheck to paycheck. 50% of the respondents in their survey got less than 3 months worth of savings, and 27% of the respondents got no savings at all. Remember, this is a survey done in the U.S. and this may vary from country to country, however, the same financial issues exist.

Ideally, we all have to save at least 10% of our earnings. That means, if you have a monthly salary of $5000, $500 of it should go to savings, and $4500 should keep your liquidity (meaning you will have 90% for your expenses, bills, etc.). With proper discipline, this scheme will help you maintain a good cash flow and will help you avoid unnecessary loans or other financial liabilities.

So what will you do with the 10%?

The 10% is best kept in the bank, because if it’s kept in your pocket or wallet, then it will be gone in seconds. That’s for sure. There are companies paying out their employees directly through bank. Having a separate account for savings will definitely help and have that 10% go straight there. Most people would probably say they don’t have time to go to the bank (boy, that’s my #1 excuse), but hey! That’s where online banking comes in. You can link your payroll account and your savings account so you can do money transfer in a heartbeat. It’s pretty easy. If you’re not sure how to do it, you can definitely ask assistance from your bank.

I know saving 10% will not get you to 6-month contingency right away, but it’s definitely good to start somewhere.  If you will, you can also save more than 10%, and saving more than that can lead you to higher financial buffer in case of emergency and get financial freedom faster.

Think of it this way, if you’ll save $500/month, it will give you $6000 annual savings. In 5 years, you will have that 6-month contingency. 5 years may seem a long time, that’s why the best time to start managing your salary and start saving for the future is now! The longer you wait or procrastinate, the farther you’ll get that amount of savings, or worst, you might not have that savings at all.

It’s your call.