Posts tagged: work

Work + Money

Save Yourselves!

As the economy in this country continues its quick and downward slide, many individuals are worried about their savings. The outlook seems bleak from here. People work all their lives and still retire into poverty. What can we do to prevent ruin in our retirement years? How can we protect ourselves from the economic crisis that is affecting everyone? The answer lies in a few simple savings guidelines.

To start with, you need to separate yourself from the idea of immediate gratification. This culture is based on getting what we want when we want it. The entire idea behind a credit card is paying for purchases with money that you don’t actually have. Why would you buy something you don’t have the money to pay for? This attitude of immediate gratification makes it impossible to put money into a savings account. In addition to an attitude adjustment, you need to make sure you put your words into action. It isn’t enough to merely plan on saving money. You have to be the one to stick back a little bit with every month’s paycheck.

To do this successfully, you should set a schedule for yourself. Choose a portion of your income and stick it in a retirement fund on a regular basis. You should disperse your money throughout several funds to ensure that you have a variety of options. This way if you have a financial emergency, you will be able to draw from other funds besides the retirement fund. You need to look out for your own personal interests.

Juggling Responsibilities

Balancing your professional life and your personal life can often feel like a high wire act. The responsibilities of work coupled with the pressures of everyday life are enough to overwhelm anyone.

If you add motherhood to the mix, things can get downright chaotic! But you don’t need to feel panicked. There are a few guidelines that can help you overcome the stresses of work and family.

First of all, always keep a realistic perspective of your values. Decide what’s truly important to you, and if you’re feeling overwhelmed, take a moment to give yourself a reality check.

Does your attention deserve to be so consumed by the problems at hand, or can the tasks be handled with a different attitude?

If the work at hand is truly important and the responsibility is one that you shoulder alone, lay out a list of short term goals. By writing out the specific obligations, you will be less likely to forget any important parts.

As you complete each task on your list, you can cross it off. This will show the progress you are making, and help to calm you down. If you are calmer, you will be able to work more efficiently and happily.

The same rules go for your home life. Make a list of your top priorities - school events you can’t afford to miss, soccer games you need to make time for. If you manage your days well, you won’t have to choose between your personal life and your professional life.

It requires an effort, but if you make the decision to manage your work life effectively, you’ll be able to have more time for the things that really matter.

Can Entrepreneurs Survive a Lagging Economy?

Short answer, they must. Long answer, their survival will depend on a number of factors. When the environment in which an entrepreneur enjoys success changes, it is bound to have an effect on the bottom line, whether positive or negative. Some steps a business person can take to lessen the impact of a slowing economy are:

Have a flexible attitude – A changing situation requires a change in thinking. You must be able to adapt to challenges as they come your way. This tends to be more difficult for smaller businesses, without access to lines of credit and capital enjoyed by larger companies.

Business Woman on Phone

Business Woman on Phone

Keep Marketing – A sluggish environment doesn’t mean you can forget about marketing. You still need to remind people why they should do business with you. Try cutting back if necessary, rather than stopping altogether.

Try to keep current customers

– This may involve cutting prices a bit, but certainly don’t go below what you can afford. You may want to treat customers who have contracts as special cases.

Keep up to date – This covers a number of areas, but the most important is being aware of new developments in your field. Also take advantage of any new training opportunities as they arise.

Update your business plan – Your business plan should be updated every year, and should reflect any changes that occurred during the previous year. It is important to be clear about the direction you want your business to go.

Get advice – Talk to some people you consider successful and get some tips. It would help if you’re not competing with them in any way. Be sure to check online resources as well.

Network – This is essential for any business, no matter what the economic climate is like. Attend social gatherings, join associations, anything that will help you make good connections that will help your business.

Not all businesses can survive a tough environment. This is part of the process of adapting too. In the event that your business folds, you can seek a job temporarily, or try some other venture. Do something else until the time is right to try again if that’s what you choose to do.

How to Handle Office Gossip

There are few if any offices where there isn’t some level of gossip mongering. While there is little that can be done to totally eliminate office gossip, it can be contained.

Controlling office gossip first of all calls for open communication between management and staff. In some instances, gossip results from workers feeling that management is not being open about issues.

Other methods of controlling gossip in the office include ignoring the troublemakers who are known gossips. Avoiding those who like to share office gossip may not be easy but it can be done. Ignoring them works because listening empowers gossipers.

When you avoid the company of gossipers, you help to control office rumor. Some ways to avoid office gossip and nip it in the bud are:

  • Change the topic of the conversation: You can do this by politely saying that you do not want to have that discussion.
  • Walk away: if someone starts gossiping try to walk away. This will indicate that you have no interest in what they are saying. You can also excuse yourself by stating that you are busy and need to complete a task.

In many instances, co-workers who are constantly gossiping do so because of serious ego issues.

Office gossip can be used to some advantage. Good managers will sometimes use the office grapevine to know what workers are thinking or saying about certain issues. The information garnered can be used to implement positive changes.