You are incredibly talented at this job-hunting/negotiating game! Us data analysts are in high demand, and it's nice to have the upper hand in most scenarios. I agree with other commenters that companies are jumping at the chance to hire you because data analysts are really expensive -- I've seen some with your (and mine) length of work experience command wayyy over $70k/year. And the market will bear it! If you love data analysis (I do!!), stick with it. You stand to make a good chunk of change, and very few people can crunch numbers in a way that the average joe can understand.
@qwer1234 Agreed; I think that if you've done your research and all and come up with your range, and you get an offer that meets or exceeds your range and it feels good, part of negotiating is knowing when not to do it. I got an offer that was exactly what I wanted (granted, I had started the talks with a ballpark range of what I was looking for), and since they met it, I signed the offer without trying to squeeze them dry. I probably left $1-2k on the table, but I know my market and I know that I'm getting paid handsomely compared to a lot of my peers. Also kudos on negotiating just for the principle of it! I like to show people (men) that women are not necessarily meek and we do bring the big guns when it comes to money.
@meatballsub I hate it when they say "this is all we have", like they offered you their max salary right off the bat. Nobody does that, and if they do, they suck at negotiating! I think appearing flexible can help, e.g. "I understand if you're set on the base, but can you offer a signing bonus/relocation package/commit to yearly bonus/salary increase of x/extra benefits"-- I feel like this signals to them, "listen, I know your game, don't lowball me". And my dad (who does this for a living) told me that sometimes the budget is the budget for the base, but there's money to play around with for other things. Sometimes if you get a sucky offer, bide your time ("I need time to go over the package/the offer is on the lower end of my range so I need to evaluate the full deal and get back to you").... Making them sweat a little and wait could be torture if they really want you and put pressure on the HR person to step it up with the offer. If they have fire under their ass from the team who wants you, they might cave a bit.
I honestly don't think that many people can "spend without worry" -- the only ones that come to mind are gold-digging trophy wives spending their husbands' money, and even they worry about money (what if he loses his fortune? who would I marry next?). Even rich people worry about their investments, their high-paying jobs, etc. In order to streamline my spending, I've started playing a game with myself that basically consists of hyping up a potential purchase and then hyping myself to walk away from it. If I can walk away from the reaaaally cute earrings at J. Crew, I win. (And I allow myself to come back for them if they get marked down.) The bigger the hype/desire for the purchase, the better I feel when I walk away from it. It's curbed my spending A LOT. Turns out a lot of stuff we really want or think we need or can rationalize spending money on... we just forget about it a few days later.
@Carmen Aiken@facebook I think this would work very well on certain websites -- more eharmony, less okcupid. And it doesn't even have to be an explicit, "I really wanna date you" message -- as Paul said in the video, just limiting the number of messages any user can send per month implies that whomever is writing to you was strongly compelled, as opposed to playing the numbers game.
@ATF Oh god, $600k for a 2-bed makes me want to cry. We're hoping to spend more along the lines of $300k. I'll be forever relegated to the 'burbs...
@ATF Just curious - I have a similar goal and I'm also in the greater Boston area -- what's a "normal" down payment in the city? Apartment prices are through the roof and I got conditioned to >20% down payments from my time in NYC and thinking I'd never even buy my way into a shoebox... Ideally we'd like to buy in/around Boston since those properties only appreciate (even though I work in RI) but it's SCARY and I'm not rich :-(
I'd be much more interested in revisiting the rejected promotion request since that seems to be the trigger here-- did they give you a specific reason why you weren't promoted? It'd be good to know if it's just inexperience, or if there's no open position for you to move into/the budget isn't there right now. You could always work towards building more skills and experience to make you eligible for that next level, and you can volunteer to shadow a reporter at work for, say, 6 months, while balancing your current responsibilities and keeping the same pay. As a supervisor, I'd be much more supportive of someone who's not discouraged by a rejection, who shows initiative and builds a plan with a timeline to meet their goal. If you work your ass off for the next 6 months/1 year and your supervisor isn't coming through for you/you're not satisfied with how things are going, I'd definitely suggest a move, company-wise or location. (But you have to stay really on top of things-- monthly check-ins, requesting constant feedback, produce high-quality work-- you want to eliminate all reasons to do with you for why you're not fit for a promotion.) I would advise you to stay put and work really hard to optimize what you have going on. I was dissatisfied at my last job in a similar way, and I worked really hard for the 2nd year to try to earn that promotion. In the end, I left for greener pastures because I felt like the support system I needed to advocate for me just wasn't there... But I feel good that I didn't give up when I heard the first "no". ETA: Re-reading your letter, I honestly don't think that a fresh start will do much to help you without an attitude/mentality shift. More reasons to practice turning things around for you at your current job, take more risks and "put yourself out there" (ugh) and if things truly don't work out, start looking for a new job with more confidence that things can improve. Taking $10k and moving to a city like NYC (where the $10k will be gone basically covering your moving expenses, sad to say) without the "chops", career ambition or sink-or-swim attitude will have you coming back home penniless in no time.
My credit card is what I use for my everyday expenses. I'm obsessed with racking up points (and I'm too good at it)and thinking of a large bill to pay if I keep running my CC definitely helps me curb my spending. Whereas if I spend whatever is in my checking account after taking care of savings, I'll look at it as a finite-but-large pool of money that is perfectly OK to spend until it's gone. (Not that that's an irresponsible stance, but I guess I spend less with my regular MO.) I see it as the epitome of financial responsibility to only purchase things with cash, but in my reality, a lack of credit would be more trouble than the upside. The thought of having my dad cosign everything or paying punitive interest rates for big expenditures (house, car) just makes me want to curl up and cry.
@SterlingCooper05 In a lot of cities a credit check is part of a rental application. Having to explain why you don't have credit and why a landlord should take a risk on you when there's plenty other people with good credit willing to pay market price must be a total pain. My boyfriend's cousin (who is Canadian) is having a real hard time finding a home in NYC without credit, even though she has years and years of credit in Canada. In short, credit is useful for things other than borrowing. It's just a sad reality of adulthood that a credit record is basically the only way for others to assess your credibility.