9. I Can't Afford to Quit My Job

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Perhaps you have a mortgage, student loans, credit card payments or other debts. Basic financial considerations should be addressed before taking the leap into this profession. Because most jobs within this profession do not initially or even later pay a lot of money, it is important to get these issues under control.

Many books and programs are available to help with debt management. One of the best on managing your finances and putting money into perspective with the amount of “life energy” you expend to produce income is “Your Money or Your Life” by Vicki Robin and Joe Dominguez.

Definitely, do not live off your credit card, take out a second mortgage or a loan to finance your foray into gardening or landscaping. You will only come to resent your new career change if it comes burdened with expenses.

What you can consider in the meantime is taking on a part-time job to either pay off existing debt or create a safety net or savings plan for your future career. Working for someone else is also the cheapest for of education. Choose someone you can learn from. The worst that can happen is if you should later decide you cannot financially afford to take the leap, you will have made additional income.

Other ways to incorporate gardening into your lifestyle are possible without quitting your main source of income. It is important to then take the time to accurately assess your finances to ensure you have the resources available to meet your basic needs. Beyond your comfort zone, build in a one to two year window so you’re not just scraping by, so that you can afford a few luxuries.

Excerpt from the forthcoming book Getting Dirty. If you would like me to let you know when the book becomes available, just send your e-mail to adriennejenkins@verizon.net.

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