There is an abundance of talk about "Knowing Self-Worth". It is my understanding that a lot of people don't know their self value. Personally, I can not tell you what your self-worth is. However, I can help you start learning it.

Regardless, of whether you are straight out of high school, college, or experienced in your field, this exercise can and will benefit you. You will need: Pen, pencil, phone, or note pad, etc. You might even want to use a calculator. That is, if you don't want to do the math mentally. Here We Go:

1. Write down all your monthly bills and expenses.

   • Examples: Car Note/Insurance/Gas or Bus/Train fare, Rent/Mortgage, Utilities, Cell phone, Cable/Wifi, Food/Laundry, etc.)
   • DO NOT Include: Purchasing New Cars, TV's, Jewelry, Shoes, Clothes, nor any extra activities like vacations/parties, etc.

2. For each bill and expense you listed, write down its monthly fee, directly next to each item.

3. Add all of the amounts together. This will give you a total of your (Unstoppable) monthly expenses.

   • As you know, these are bills and expenses that MUST be paid by you every single month of your life.
   • Example: $2,500.00, monthly bills/expenses (collectively)

4. Multiply the total of your (Unyielding) monthly bills and expenses, by 12. Here's why:

   • There are 12 months in a year lol
   • The new, overall total, displays the full ($) dollar amount you MUST pay, collectively, on a yearly basis. (give or take)
   • Example: $2,500.00 X 12 months = $30,000 paid annually to bill/expense collectors

This is the money you NEVER get to enjoy, because it's ALWAYS going elsewhere. You still have to keep in mind, other expenses in life that may not be as important, but are still significant. Also, unexpected situations/expenses do occur, that we have no control over.

Getting back to the subject at hand: If you're spending $30,000 a year on expenses/bills just by themselves, then you MOST LIKELY, should not accept a job paying you less than $35,000 annually. Even that's shorting yourself.

You're asking why or how? Here's why and how: You will only have $5,000 to spend on yourself for an entire year. That's collectively. Actually, its even less than that. Keep in mind, the income taxes, and whatever else, that comes out of your checks before you even receive the money. If you don't perform the math for yourself, then you're asking for a struggle in life.

Anyone can use this vital information as a template. I strongly suggest you do. I know this isn't telling you your full self worth. It is not intended too. However, it is a start to knowing the least amount of money a person should accept from an employer, based upon your annual expenses. I hope people find this to be helpful information. If not, you can let me know your thoughts.