Avoid These Common Mistakes to Get Out of Debt Faster

Avoid These Common Mistakes to Get Out of Debt Faster Debt isn’t fun. It’s stressful, overwhelming and keeps us up at night. In 2017, the American Psychological Association lists money as the second highest cause of stress. And although stress is part of our lives, money stress is something quite different. Money is directly tied to our daily lives. Financial struggles mean late fees, risking our electricity being shut off, or struggling to pay for medication. It’s not just the difference between lobster or ramen noodles for dinner. It impacts the quality of our lives. Now that we’re becoming more depressed by the second, it’s important to remember that we’re not alone. Everyone has money issues. While some problems are more challenging than others, there are some very common mistakes that we all make in our quest for financial freedom. Waiting Too Long to Act We waited too long to start climbing out of debt if we’re staring at imminent financial ruin or a catastrophic life-altering financial event (like your car or home is about to be repossessed). Yet, George R.R. Martin, author of A Game of Thrones, said: “Most men would rather deny a hard truth than face it.” No one loves accepting the truth of their financial situations. In fact, no one wants to deal with any negative situation. It’s the same principle that keeps folks off their scales because they don’t want to know their exact weight. If they don’t see the actual number, it’s not a reality. It’s not until they face something unavoidable, like a health scare or they can’t fit into their clothes, that they have to face the inevitable. It’s the same thing with money problems. It’s easy to forget we’re facing a crisis when we put all our bills in a basket behind the couch. Then we’re slapped awake with a disconnection notice that needs to be paid yesterday. Although it’s not fun, facing our financial challenges now can help us prevent bigger problems down the road. Ignoring Expert Help Navigating the financial world is tough. Climbing out of debt takes more than a dream and a calculator. Since everyone’s situation is different, what works for a friend may not be the right plan for us. That’s why it’s crucial to find the right partner to help us get out of debt. Finding the right expert help starts with understanding our exact challenge. We may face huge life decisions like whether or not to file bankruptcy. That’s not a decision that should be made on a whim or because our “cousin’s husband filed a few years ago and it’s all fine now”. Maybe we’re deep into credit card debt and believe that consolidation is our best option. But that’s a guess based on a commercial or some pop-up ad. The good news is that many financial experts help for free or have low-cost options. For example, debt consolidation organizations can help design a debt-reducing plan. This isn’t the time to wing it or assume we know what we’re doing because expert help is just a phone call away. Forgetting to Change Our Habits We’re creatures of habit. We go to the same grocery stores, gas stations and playgrounds. We eat at the same restaurants and wear the same outfits. And we get caught up in the same patterns, even when it comes to our finances. In The Power of Habit: Why We Do What We Do in Life and Business, author Charles Duhigg explains how habits work: cue, routine, reward. Let’s say we want to drink less coffee in the morning. The cue is waking up in the morning with a groggy feeling. Our routine includes heading into the kitchen in the morning and brewing coffee. The reward is a few cups of delicious and energizing caffeine. We have to disrupt something in that pattern to change the habit and altering this daily habit could be as easy as using a smaller coffee cup. We’ll all have bad habits that led us to our current debt. And if we continue to do the exact same things over and over, we’ll end up with more financial challenges. The only way to get out of debt is to change our habits around money. This one takes some time to figure out, but an honest self-reflection will help us pinpoint our worst habits and where we may be able to change them. Creating a Plan that Works for Us None of this is easy, but it’s all doable. We’ll need to make smart choices, change our habits and make getting out of debt a priority. We may have to deal with temporary stress to gain long-term financial freedom. We may stumble along the way, we can avoid many of these common mistakes with a little planning and committed focus. . Main Image Credit.

Resume Headers Examples For The Job Hunting Job Seekers

Resume Headers Examples For The Job Hunting Job SeekersResume headers are a must when it comes to writing a killer resume. For most job seekers, the purpose of their resume is to show the hiring manager exactly why they are the best candidate for the position. The headers help to focus a recruiter's attention to the most important parts of your resume and help them pick up on what is important to you.Resume headers are important because without them the content of your resume will be lost in the sea of information that the resume prompts you to create. And unless you know how to write great resumes the resume prompts may be frustrating, dull, or even pointless. It can also waste valuable time while the recruiter goes through the information on your resume.There are many different ways to go about creating headers that reflect your skills, education, experience, and even your copywriting skills. The trick is in learning to use each individual part of your resume in a different way to catch the attention of the reader. You want your resume to seem professional candidates know how to do this. Some professionals consider using a template is a good idea but if you want to truly showcase your skills, the good candidates know that they have to design their own headers.One of the most common questions asked by recruiters is what should the title of the header be. The answer is very simple; whatever you want. You can use as much or as little of the resume as you want to, it is just important to be sure that you understand the purpose behind your resume header and make it concise.The best resume headers examples for both the job position and for the candidate are blogs, magazines, articles, eBooks, press releases, videos, images, music, and speech. If you really want to stand out and catch the eyes of your reader, try to think outside the box.Try writing a blog or article and adding your bio or name in the footer to promote yourself in the public service or nonprofit are na. Then, simply distribute this information as part of your resume header and you will create a powerful resume that will speak volumes about your skills and accomplishments.Another great example of using public service and volunteer work to your advantage is putting the names of children you work with at events and organizations. Children love the idea of being a part of an organization where you see your face every day and you feel wanted.Finding these great resume examples is easy. Just search for 'resume headers examples' and you will be able to view the hundreds of different examples that are available.

11 Story

Sharing and Honoring My 9/11 Story After 9/11 I took the subway down to lower Manhattan because it was something I felt I needed to do. Like many people, Id been struggling with how to make sense of it all, how to explain it to my young children who were surrounded by reminders of that day, and how to come to terms with my own mortality. I felt like I needed to document the day in some way. Id done quite a bit of journaling in the past, but somehow writing a journal entry seemed too real and almost too accepting of the situation. So I decided to put my thoughts into prose and the poem below was the result.Saw the void In the city sky Didnt know how to feel Didnt know how to cryMissing towers Between Church and Vesey Disoriented Streets were messyReading prayers And words of hope Missing persons Hard to copePolicemens jerseys Childrens art Emotions pouring From the heartTattered buildings With windows taped Like damaged souls Or young girls rapedShould only face Such heartache With someone special Who can makeA positiv e comment A comforting word To remind me How absurdTo take your anger Out on others Innocent spouses Children and mothersIm so glad I put my thoughts down on paper that day. Not because I think this is the worlds greatest poem, but simply because it captured the story and the emotions of the experience. And it froze the memory in  time in a way that it can be shared and honored.A lot of what I do as a career coach revolves around teaching people how to tell their story in a meaningful way that can be shared and honored. People with great career stories are a lot like poets. Great career stories are concise and easy to remember. But their brevity doesnt lessen the impact of their message; instead it intensifies it.If you are trying to come to terms with the story of your career as you embark on a job search, consider writing about it first. Chronicle your successes as well as your obstacles. Write in paragraphs, bullet points, or even in prose. But get your thoughts down while you a re in the moment. Doing so will help you create a more authentic and compelling message when you are ready to share your story with others.

Career Spring Cleaning - Hire Imaging

Career Spring Cleaning - Hire Imaging Career Spring Cleaning: It’s been a long time coming Here in the northern lake country of Minnesota, it’s been a long winter. Just when we thought we were home free until at least next late fall, our 60ish temps dropped to 30s and more snowâ€"complete with winds. I felt as though I was time warped back to early and lion-like March. Spring can be harsh. Frost can mash brand-new blossoms. We can be lulled into hopefulness, only to be fooled. Spring can tease. After battling sleet, snow and slush for months, you yearn for warmth. It never comes quickly enough. Some of my clients tell me about long, difficult job searches. If we were to use the seasonal metaphors, it feels like they are searching for warmth in a hostile environment. If they are floundering with any aspect of their job search, it’s a bit like some winter imagesâ€"icy, dreary and never-ending. If you are struggling with a career transition that makes you feel as though you are buried under a coat of ice and simply hibernating through long, dark days, it can help to think in terms of seasons. Nothing lasts forever. Inevitably, you will move forward. The earth and life go in cycles. There are longer days that bring more light with them. The sunshine and warmer air melt the ice mounds nudged into the ground. In their place, new growth emerges. Career Spring Cleaning: There can always be new sparkle So, spring is here now, albeit late. Even though I am not in love with cleaning by any stretch of the imagination, I have the urge to wash, dust, mop, vacuum and make things fresh. Because I relate just about everything I do to my clients and their careers, my new domestic goddess energy reminds me of my client, Marcia. She called me a couple days ago. She was excited; she had not felt that way in quite some time. The reason for her downright-giddiness was that she had felt this spring renewal as well, related to her job search. She told me that she had done three career spring cleaning “chores” that left her feeling hopeful and ready for good things. Cleaned her job search space. Marcia organized her files of job-search information, and purged or shredded anything outdated. She cleaned her equipment and work space. To reward herself, she put a fresh bouquet of flowers on her desk. Cleaned her online image. Marcia knew that 80% of recruiters say online image affects their decision-making. She set up strict privacy settings on all her social networks, finished her LinkedIn profile to make it 100% complete, became active in some groups, and grew her connections. She bought the Twitter Job Search Guide. She set up a website to blog on her expertise, event planning. Cleaned her to-do list. She re-prioritized her commitments. She was amazed at how many things she was able to delete from her calendar that were time zappers not worthy of her efforts. Spring follows winter. Rainbows follow storms. Spring represents growth, a fresh start. Why not do a little career spring cleaning? You never know what wonderful consequences lay ahead, once you plant the seeds of positive movement! Photo:   Muffet

I Quit My Day Job Kylies 2nd Update

I Quit My Day Job Kylies 2nd Update This is  Kylie Bellards  second I Quit My Day Job video, and Im just so glad that she agreed to take us on this journey as a fresh-and-new entrepreneur (its only her 5th week as A Woman of the World!). You can check out Kylies first video here, and a week-by-week update on her first 4 weeks of self-employment here. Happy September, yall! Its me again (Kylie Bellard, that is), back with an update on how the first five weeks of being a self-employed empowerment coach and photographer have been. Today Im talking about three things: challenges Im facing, stuff Im working on, and what Im celebrating. Yay! Here are links to the things I mention in the video: Ta Da! Lists  (a practice I use to bolster my spirits) Havi Brooks  (one of my mentors, and queen of  destuckification) Self-Love Letters  (where to go for my free ebooklet, The Foundations of Self-Esteem) Kylie Bellard  is an empowerment coach and photographer who teaches people how to like themselves so they can bring all their wonderfulness to the world. You can find her on Twitter as @kyliewriteshere, or read more of her words at  Effervescence.me.

How to Write an Accounting Internships Resume

How to Write an Accounting Internships ResumeAccounting internships can be found in several places. They are offered at many companies, and they can even be done online. If you are looking for a way to obtain an internship then the next thing that you should do is find out where you can get one. This will help you better understand the job of an accounting intern, how to prepare for it and what you will need to put into the resume.One of the things that you will want to include on your resume is an internship. You may not think that it is important but you should mention that this is what you were getting involved with as well as give a brief explanation of why you are doing it. It is nice to be listed as being involved with a particular internship program.Good internships will usually be one year long. They are something that is going to take you away from your normal life for a while. When you finish the internship you will then go back to your normal routine.Another thing to put o n your resume is what you have learned about the business and about the company. This can be anything. The most important thing that you should say is that you are very excited about working at that company. It should not matter what the position is but it should be something that you are excited about.As soon as you finish the internship you will then need to create a resume that will show the company that you have some type of work experience. You should include your name, position and a contact number. You will also want to include your school and your GPA as well as all the information that you might have. Once you have finished this you will then need to send it to the company and wait to hear back.There are some types of jobs that can be hard to get and they might not take you anywhere. You can get hired on, if you know what you are doing. Some businesses will offer jobs for just about anyone that is willing to apply. Some of the things that you will need to put into your resu me are information on any awards or credentials you have.Be sure to show your enthusiasm and that you have time to work on your resume. If you do not think that you will be successful then you will need to seek out another way to get an internship. You do not want to end up getting yourself into a bad situation because you did not put enough time into your job search.

Astonishing Facts Regarding Job Application and Resume Writing Format Exposed

Astonishing Facts Regarding Job Application and Resume Writing Format Exposed An assignment from a company or technical writing class would likewise be appropriate. You should pick a bit of writing that is relatable for the firm. Writing an application letter takes a mixture of talent and techniques. Writing a university application letter, by way of example, is intended forA you to enter a school to pursue your education for a step to achieve your dreams. So go through the work description properly and place the skills you think would be useful towards that job. Don't worry applying for employment is a process you'll be able to own and control. Therefore once you commit to your very first work, begin looking for distinct opportunities at the specific same direction you're likely to be journey. 1 approach to create the procedure for writing a work application easier is to use a work application letter template to make your own personalized job application letters for applying for employment. What is Really Happening with Job Application and Resume Writing Format If you're sending a sample that's been edited by somebody else, indicate the conditions. You need to understand what are the things which you want to write. 1 thing you've got to make sure that you have with you are some fantastic application letter templates. Employer requirements vary in regard to what is asked for and when applicants are requested to submit it. If you truly want the job, you will go the excess mile to complete the application. If you're unsure how to reduce your program, ask someone who you trust for assistance. If there's a chance to submit one, you should (even if it is not mandatory) as it will enhance your likelihood of standing out.