Career Building http://www.wisebread.com/taxonomy/term/4814/all en-US 10 Companies With the Highest Paid Interns http://www.wisebread.com/10-companies-with-the-highest-paid-interns <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-companies-with-the-highest-paid-interns" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/millennials_interns_office_65754805.jpg" alt="Companies with the highest paid interns" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Tell people you're an intern, and most will assume you're either working for free, or barely scraping by. After all, interning is about <a href="http://www.wisebread.com/9-careers-you-dont-need-a-ton-of-experience-to-start">gaining experience</a>, and that in itself is valuable to the future employee. But tech giants and financial powerhouses are willing to pay big bucks to get the most talented interns. Here are 10 companies that offer some of the highest intern salaries in the U.S. today.</p> <h2>1. Facebook</h2> <p>Currently worth over $350 billion dollars (and expected to one day be <a href="http://money.cnn.com/2016/04/28/investing/facebook-trillion-dollar-market-value/">worth $1 trillion</a>), Facebook has the money to pay interns well. Glassdoor reports that a Ph.D. software engineer intern can expect to earn around $9,000/month, with a regular software engineer averaging $8,467/month. If you're curious, that equates to over $100,000 per year&hellip; for an internship!</p> <p>Even on the lower end of the spectrum, an analyst intern can make $3,000&ndash;$4,000/month, which is still way more than minimum wage. When you consider most interns are still living at home with their parents, it's not a bad gig at all.</p> <p><strong>Potential Earnings</strong>: Up to $9,000 per month</p> <h2>2. Amazon</h2> <p>If you have worked hard enough to earn your MBA, Amazon is a good place for you to get your internship. Glassdoor data shows that an Amazon Summer MBA intern earns $9,053 per month, which equates to over $108,000 per year. Just behind, at $8,934/month, is the product manager intern. And if you look at the list of <a href="https://www.glassdoor.com/Intern-Salary/Amazon-com-Internship-Salary-E6036.htm?sort.sortType=BP&amp;sort.ascending=false">internship positions and salaries at Glassdoor</a>, you can see that overall, being an intern at Amazon is very lucrative &mdash; with dozens of positions reporting between $8,000&ndash;$9,000 per month. Considering how massive Amazon is, and how it continues to dominate the way we spend money and consume entertainment, it's clear that the company is investing heavily in talent now to continue this success.</p> <p><strong>Potential Earnings</strong>: $9,053 per month</p> <h2>3. Google</h2> <p>If you're seeing a trend in the high paying tech internships, you're not mistaken. Tech companies are looking for good software engineers, and they're ready to pay big bucks for them. A software engineer intern at Google can expect to earn over $7,000 per month, with some internship positions coming in at $113,000 per year! Of course, you need to be very savvy in the tech industry's most wanted positions; this is not something you can land straight out of college with a sociology degree. But for those with the right skills, the money is there at Google. And it is also <a href="http://saleshq.monster.com/careers/articles/1012-top-perks-working-at-google">famous for treating its employees very, very well</a>.</p> <p><strong>Potential Earnings</strong>: $7,152 per month</p> <h2>4. Citigroup</h2> <p>According to Glassdoor, the top paid interns at Citigroup are earning up to $116,000 per year, which is equates to $9,667/month. If you're wondering what kind of work that entails, these two words should sum it up nicely &mdash; Wall Street. At Citigroup, money is everything, and everything is about making money. Interns who are seeking roles in investment banking, private equity, hedge funds, and asset management, are richly rewarded for their efforts. At the lower end of the spectrum, summer analyst interns can make anything from $17 an hour, all the way up to $25 an hour, which is still nothing to be sniffed at.</p> <p><strong>Potential Earnings</strong>: $9,667 per month</p> <h2>5. Snapchat</h2> <p>It's an app that is dominating the social media world, and the company behind it is making news for its internship programs. As hard to believe as it is, Snapchat not only pays interns up to $10K a month, but it adds an additional $1,500 per month for housing expenses! As that is usually the biggest expense any of us have to pay, the interns at Snapchat have the bulk of that $120,000 annual salary to spend on pretty much whatever they want. If this is making you think about re-evaluating your career choices, you're not alone.</p> <p><strong>Potential Earnings</strong>: $10,000 per month (Plus $1,500/month for housing)</p> <h2>6. Two Sigma</h2> <p>If you haven't heard of Two Sigma, you will soon. And the reason they top the list of intern salaries, by quite a margin if you include the monthly housing reimbursement (and additional $5,000 relocation expenses), is that they are at the intersection of technology and finance. Two Sigma is an investment management firm that uses science and technology to make people some serious money. What's more, <a href="https://careers.twosigma.com/">they're currently hiring for over 80 positions</a> at the their offices in New York, Houston, London, and Tokyo. If you're in the business of software engineering or trading, you may want to hit them up.</p> <p><strong>Potential Earnings</strong>: $10,400 per month (Plus $5,000 per month for housing)</p> <h2>7. Pinterest</h2> <p>Coming in at more than Facebook and Google, Pinterest is offering a combined $11,040 per month ($132,480 a year) to interns who have a talent for, you've guessed it, software engineering. Described as a &quot;catalog of ideas&quot; by CEO Ben Silbermann, Pinterest was started in 2010 and is relatively new to be a giant in the app scene. Certainly, it's not as ubiquitous as Facebook, Google, and Twitter, and yet it is forking over more than all of them to acquire top intern candidates. And as it is located in both New York and California, that $3,000 a month to help with housing is definitely a huge plus.</p> <p><strong>Potential Earnings</strong>: $8,040 per month (Plus $3,000 per month for housing)</p> <h2>8. Palantir</h2> <p>The intern position of forward deployed engineer pays a hefty $8,172 per month at Palantir; and if you know what that position actually does, you're already way ahead of most of us. Another tech firm that values software engineers, Palantir has been rewarding its interns with big salaries for many years now. Founded in 2004, this software firm specializes in big data analysis, and originally had a client list comprising of federal agencies of the U.S. Government. In 2014, Forbes maintained that Palantir was &quot;among Silicon Valley's most valuable private technology companies.&quot; It is headquartered in Palo Alto, CA.</p> <p><strong>Potential Earnings</strong>: $8,172 per month</p> <h2>9. Quora</h2> <p>Not unlike Google, Quora is a search engine that delivers results based on the questions you ask. And as it's a tech firm, you know by now what the highest paid interns there are doing: software engineering. A typical intern in this position at Quora can expect upward of $8,000 per month, but there are also positions in product design, data science, and product management. The company appears to have an excellent culture, too, with great employee feedback and solid growth.</p> <p><strong>Potential Earnings</strong>: $8,086 per month</p> <h2>10. Groupon</h2> <p>Famous for giving people great deals on everything from window tinting to adventure holidays, Groupon is an app most of us have on our phones. After all, who doesn't like saving money? But when it comes to interns, Groupon is ready to splash it around, paying $8,000 per month to software engineers, and upward of $7,000 per month to product managers. On the lower end of the scale, business analyst interns can get around $3,000 per month. Full-time employees of Groupon reportedly get unlimited vacation time, although taking months off at a time would probably not serve you well.</p> <p><strong>Potential Earnings</strong>: $8,000 per month</p> <p><em>Salary data found on </em><a href="https://www.glassdoor.com/index.htm"><em>Glassdoor</em></a><em>.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-companies-with-the-highest-paid-interns">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you">5 Social Media Stars Who Earn Way More Than You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-stocks-every-recent-grad-should-own">10 Stocks Every Recent Grad Should Own</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-tips-for-my-career-clueless-college-self">5 Tips for My Career-Clueless College Self</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-you-should-follow-googles-20-rule">Why You Should Follow Google&#039;s 20% Rule</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-easy-ways-to-improve-your-online-reputation">6 Easy Ways to Improve Your Online Reputation</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Amazon companies Facebook Google interns internships pinterest snapchat startups Wed, 28 Sep 2016 10:00:09 +0000 Paul Michael 1800746 at http://www.wisebread.com Best Money Tips: Effective Ways to Communicate Better at Work http://www.wisebread.com/best-money-tips-effective-ways-to-communicate-better-at-work <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-effective-ways-to-communicate-better-at-work" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/coworkers_talking_work_89208453.jpg" alt="Woman finding effective ways to communicate better at work" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on how to communicate better at work, easy habits that will help you curb monthly spending, and tips for moving to a new city.</p> <h2>Top 5 Articles</h2> <p><a href="http://productivitytheory.com/how-to-communicate-better-at-work/">How To Communicate Better At Work</a> &mdash; What happens after a conversation can be just as important. Follow-through makes the communication more effective. [Productivity Theory]</p> <p><a href="http://www.moneyspruce.com/five-easy-habits-pick-curb-monthly-spending/">Five Easy Habits to Pick Up to Curb Monthly Spending</a> &mdash; If you're paid every two weeks, spread out your monthly bill payments so that you have about the same amount left over from each check. [Money Spruce]</p> <p><a href="https://www.listenmoneymatters.com/move-to-a-new-city/">How to Move to a New City</a> &mdash; Create a moving budget so you know how much you need to save for the move. Factor in expenses like broker fees, security deposits, moving companies, possible storage, furniture and at least the first month&rsquo;s rent. [Listen Money Matters]</p> <p><a href="http://www.popsugar.com/smart-living/Why-Young-People-Should-Go-Therapy-41515561">5 Amazing Things No One Ever Tells You About Therapy</a> &mdash; A therapist will listen to you vent &mdash; and then help you come up with realistic solutions and actions for your life. [PopSugar Smart Living]</p> <p><a href="http://savingdollarsandsense.com/5-ways-to-reduce-stress-in-your-home/">5 Ways to Reduce Stress in Your Home</a> &mdash; Set aside a few minutes each day to just relax.&nbsp; [Saving Dollars &amp; Sense]</p> <h2>Other Essential Reading</h2> <p><a href="https://due.com/blog/network-without-wasting-time/">How to Network Without Wasting Time</a> &mdash; Try spreading your time out to other related but different fields that could connect you to new leads. [Due]</p> <p><a href="https://www.lupgrade.com/7-careers-that-dont-require-a-traditional-office/">Here Are 7 Careers That Don&rsquo;t Require A Traditional Office</a> &mdash; Personal chefs don't need a brick-and-mortar office. You cook in the kitchen, and any office duties can be dealt with on a dining table. [Life Upgrade]</p> <p><a href="http://www.thepennyhoarder.com/vail-resorts-hiring-seasonal-jobs/">Love the Mountains? These 12 Resorts are Hiring Thousands of Seasonal Jobs</a> &mdash; Many of the jobs require little to no experience and the resorts provide you with training and certifications! [The Penny Hoarder]</p> <p><a href="http://everythingfinanceblog.com/18155/move-on-from-your-job.html">How to Know When It&rsquo;s Time to Move On From Your Job</a> &mdash; Not receiving any feedback from your manager or supervisor is a red flag that you probably won't be able to move forward professionally with this employer. [Everything Finance]</p> <p><a href="http://parentingsquad.com/how-to-deal-when-your-kid-suddenly-hates-school">How to Deal When Your Kid Suddenly Hates School</a> &mdash; Kids often begin to dread school once the newness has worn off, but if you think something at school is contributing to their unhappiness, ask open-ended questions about their day to get the details. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-effective-ways-to-communicate-better-at-work">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/smart-ways-to-start-and-end-networking-conversations">Smart Ways to Start and End Networking Conversations</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-high-paying-jobs-that-didnt-exist-10-years-ago">9 High-Paying Jobs That Didn&#039;t Exist 10 Years Ago</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-being-nice-at-work-can-payoff">5 Ways Being Nice at Work Can Payoff</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-to-improve-your-performance-at-work">12 Ways to Improve Your Performance at Work</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building best money tips communication Thu, 01 Sep 2016 10:00:12 +0000 Amy Lu 1783603 at http://www.wisebread.com How I Saved Enough for a Down Payment While Working in China http://www.wisebread.com/how-i-saved-enough-for-a-down-payment-while-working-in-china <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-i-saved-enough-for-a-down-payment-while-working-in-china" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_hand_globe_43186582.jpg" alt="How to save for a down payment while working in China" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When I was first considering teaching abroad after graduating from college, I had many friends and family who were concerned that I'd be setting myself back financially. With the best of intentions, these loved ones told me that I would be making a mistake by moving to Asia and accepting a lower paycheck. How would I ever afford a car or a house if I didn't find a high-paying job in Canada or the U.S. and start saving right away?</p> <p>Ten years later, I look back and realize that teaching abroad was one of the best financial decisions of my life. During our four years <a href="http://www.wisebread.com/follow-these-5-credit-card-rules-when-traveling-abroad" target="_blank">teaching in China</a>, my husband and I saved enough between us for a down payment on our house in Southern California.</p> <p>Not every job abroad will be a an ideal situation for saving, so if you're considering teaching or working abroad, and want to prioritize saving, here are a few tips for how to save as much as you can.</p> <h2>1. Find Free or Subsidized Housing</h2> <p>Many schools and companies abroad realize that it's hard for foreign employees to pick up and leave their home countries without having a living situation set up in the new country. Therefore, many employment contracts abroad include either a housing allowance, or a free or subsidized apartment that belongs to the company. In our case, the school we worked for owned an apartment block which provided heavily subsidized living quarters for teachers and employees.</p> <p>Living rent-free or on subsidized rent saves a <em>huge </em>chunk of your income that you can put entirely toward savings. It also saves a tremendous amount of time and stress when your overseas employer helps arrange your living quarters.</p> <p>It also helps greatly if the living quarters provided by the employer come furnished, which will cut down on the initial costs of moving. Having to purchase furniture and appliances can make it harder for you to start saving right away.</p> <h2>2. Take Advantage of the Lower Cost of Living</h2> <p>Another huge factor that enabled us to save was the lower cost of living in our host country. By choosing to eat at local restaurants and shop at local grocery stores, we saved hundreds of dollars every month on food in a city where the local cost of living was quite a bit lower than at home in the U.S. Of course, it would have been easy to blow our paychecks eating at expat-oriented bars and restaurants (Starbucks was pretty much everywhere in our city), but we saved the pricier international food for weekends and special occasions. A nice side effect of our frugal mentality is that we discovered a whole new world of delicious local dishes that we would never have tried otherwise.</p> <p>Not all countries will have a lower cost of living than your home country, of course, so it's worth looking into what it typically costs for food, clothing, rent (if you are renting a place yourself), health care, and other necessities before going.</p> <h2>3. Use Public Transportation</h2> <p>We saved the cost of having to maintain a car because our apartment was walking distance to the school where we worked. On weekends, a cheap and efficient subway system was our transportation of choice whenever we wanted to leave the school campus. When looking for a job overseas, be sure to ask questions about how you will get to and from work, and what transportation options exist to take you to the fun part of town. Some jobs (generally not teaching jobs, though) will even provide a company car and driver to make things easier for you.</p> <h2>4. Live Simply</h2> <p>Curbing excess spending is a good financial strategy no matter where you live, but I think it's easier to live simply when you anticipate moving in a year or a few. Because we didn't plan on staying more than a few years, I was less motivated to buy unnecessary stuff, with the mentality that everything needed to fit in a couple suitcases for the trip home. While we did spend money on leisure activities such as traveling during our holidays, for the most part, we just enjoyed meeting new friends and exploring our city, activities that didn't cost much.</p> <p>We did end up shipping a few souvenirs back home, but because we had to pay to ship them, we were more mindful about purchasing only what we loved.</p> <h2>5. Research Your Tax Exemptions</h2> <p>Although U.S. citizens and residents are required to pay taxes on foreign-earned income, a large chunk of that income (or even all of it depending on how much you make) could be <a href="https://www.irs.gov/individuals/international-taxpayers/foreign-earned-income-exclusion">exempt from income taxes</a>. When filing your yearly taxes, be sure to file your foreign-earned income correctly. Of course, you may be taxed in your country of employment, but in our experience the local tax was very low. You will want to research the tax rate in the country you're thinking of working in before you accept a job.</p> <p>Before accepting a job overseas, be sure also to ask about health benefits and support in case you run into a medical emergency. If your employer does not provide adequate health benefits, you may have to purchase it privately, which you should factor into your savings plan. It also goes without saying that you should do research into typical salaries for the job you will be doing, as they can vary widely depending on the employer.</p> <p>If you play your cards right, you can certainly turn a few years of adventure working overseas into an opportunity to save and to meet your financial goals.</p> <p><em>Have you considered working overseas? What's holding you back?</em></p> <h2 style="text-align: center;">Like this post? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-i-saved-enough-for-a-down-payment-while-working-in-china&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%20I%20Saved%20Enough%20for%20a%20Down%20Payment%20While%20Working%20in%20China.jpg&amp;description=How%20I%20Saved%20Enough%20for%20a%20Down%20Payment%20While%20Working%20in%20China" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20I%20Saved%20Enough%20for%20a%20Down%20Payment%20While%20Working%20in%20China.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/camilla-cheung">Camilla Cheung</a> of <a href="http://www.wisebread.com/how-i-saved-enough-for-a-down-payment-while-working-in-china">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries">Retire for Half the Cost in These 5 Countries</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-let-these-expenses-spoil-your-retirement-abroad">Don&#039;t Let These Expenses Spoil Your Retirement Abroad</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-worst-states-for-retirees">The 10 Worst States for Retirees</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-women-can-avoid-paying-the-pink-tax">4 Ways Women Can Avoid Paying the &quot;Pink Tax&quot;</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Travel cost of living expats living abroad overseas saving money taxes teaching abroad transportation working Thu, 25 Aug 2016 10:00:15 +0000 Camilla Cheung 1778730 at http://www.wisebread.com The 7 Best Free Tools to Improve Your Work Performance http://www.wisebread.com/the-7-best-free-tools-to-improve-your-work-performance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-7-best-free-tools-to-improve-your-work-performance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_67204101_MEDIUM.jpg" alt="improving his work performance with these free tools" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With tight deadlines and heavy workloads, there are never enough hours in a day to get everything done. If you find yourself constantly pressed for time, your work performance can get impacted. Constant stress at work can cause mistakes and delays. But there are free tools that can help improve productivity, stay organized, and catch errors, and improve your output at work.</p> <p>See also: <a href="http://www.wisebread.com/how-to-make-your-sluggish-workday-go-a-lot-faster?ref=seealso">How to Make Your Sluggish Workday Go (a Lot) Faster</a></p> <h2>1. Reduce Typos With Grammarly</h2> <p><a href="http://grammarly.com/">Grammarly</a> is a free grammar checker, more powerful than the standard spell check tools in Word or Outlook. While you can use it to proofread your projects, you can also install the extension so that it will scan your blogs, social media posts, and emails for typos and errors and correct them &mdash; before you send them to your boss (or the public). Unlike other tools, Grammarly uses context clues to identify issues with misused words, such as if you typed &quot;manger&quot; instead of &quot;manager.&quot; It will also highlight grammatical errors, explaining the issues and how to fix them. If you have always struggled with past participles and direct objects, Grammarly is an easy way to get in-the-moment guidance. While there is a premium version that is more detailed, the free option is robust enough to help improve your daily communications.</p> <h2>2. Manage Your To-Do List With Wunderlist</h2> <p>Between work and your home life, juggling errands, tasks and shopping lists can be overwhelming. To-do list apps can help make things simpler. <a href="http://www.wunderlist.com">Wunderlist</a> is a powerful platform that lets you create and share lists, prioritize tasks, and set up reminders for deadlines or recurring projects. It is available on your phone or desktop, so it can be accessed any time, anywhere.</p> <h2>3. Take Notes on the Go With Evernote</h2> <p>If you're the type of person who depends on a notepad and a pen to take notes and stay organized, you know how frustrating it is if you have a great idea and don't have paper in front of you or if you forgot your notes at your desk. <a href="http://www.evernote.com">Evernote</a> is a solution that lets you take notes anywhere. Type reminders to yourself, take a picture of something that inspires you, or save a snapshot of whiteboard drawings to refer to later. The free plan offers 60 MB of storage and can help you manage various projects and long-term plans.</p> <h2>4. Produce Professional Graphics With Canva</h2> <p>Whether you're a social media manager or simply need to make professional looking graphics as part of your job, design software can be prohibitively expensive &mdash; the basic cloud-based version of InDesign alone can cost over $230 &mdash; and cumbersome for new users. <a href="http://www.canva.com">Canva</a> makes it easy to create polished images, even if you have no graphic design training. There are free templates, images, and elements that are fully customizable. Premium content, such as stock photos, can be added for just an additional $1. You can also upload your own images to use to create custom artwork.</p> <h2>5. Simplify Timesheets With Timely</h2> <p>If you need to track billable hours, you know how difficult it can be to manage and reconcile your timesheets. Unlike other tracking platforms, <a href="https://timelyapp.com/">Timely</a> allows you to track hours as you work but also provides a calendar so you can plan ahead. That way, you can compare time you actually spend on a project versus how much time you thought it would take, helping you budget your time more accurately.</p> <h2>6. Manage Emails With Boomerang</h2> <p><a href="http://www.boomeranggmail.com/">Boomerang</a> can completely change how you handle email and increase your productivity. It allows you to hide emails for a certain amount of time and schedule emails ahead of time. If you're one of those people who just can't ignore an email in your inbox, the hide feature can be useful in helping you focus on your tasks at hand. You can set reminders so that when you do need to address the email, it will flag it for you. By scheduling emails, you can write out notes as you think about them, but plan to send them the next morning or when a coworker is back from vacation, keeping it from getting lost in an overcrowded inbox (or you can make your boss think you work long into the night by scheduling emails at 2:00 a.m.). Boomerang also allows you to set up a follow-up feature, so if you have not received a response, it will notify you and ask if you'd like to send a reminder.</p> <h2>7. Automate Tasks With If This Then That</h2> <p><a href="https://ifttt.com/">If This Then That</a> (IFTTT) is a free service that allows to create &quot;recipes,&quot; or actions in response to specific triggers. For instance, you can set it up so that if someone tags you on Twitter, a private message to that user is automatically generated. Or, if you get a new follower on Facebook, ITTT can establish a recipe which saves a photo of that user for your archives. It can help you manage social media platforms around the clock &mdash; and a whole lot more.</p> <p><em>Do you use any free tools to help with work performance? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/the-7-best-free-tools-to-improve-your-work-performance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-essential-tools-for-getting-work-done-anywhere">7 Essential Tools for Getting Work Done -- Anywhere!</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-healthy-habits-to-take-to-work">10 Healthy Habits to Take to Work</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-ways-to-get-people-to-respond-to-your-email">15 Ways to Get People to Respond to Your Email</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-tips-for-better-workplace-body-language">7 Tips for Better Workplace Body Language</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-to-do-before-your-first-day-at-a-new-job">5 Things to Do Before Your First Day at a New Job</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Career Building Productivity apps free free tools jobs productivity tools work work performance Fri, 19 Aug 2016 10:30:15 +0000 Kat Tretina 1775077 at http://www.wisebread.com 10 Healthy Habits to Take to Work http://www.wisebread.com/10-healthy-habits-to-take-to-work <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-healthy-habits-to-take-to-work" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_44946184_MEDIUM.jpg" alt="bringing healthy habits to work" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>From weight gain to carpal tunnel syndrome, working a desk job takes its toll. According to the Mayo Clinic, <a href="http://www.mayoclinic.org/healthy-lifestyle/adult-health/expert-answers/sitting/faq-20058005">sitting all day can cause</a> high blood pressure, abnormal cholesterol, and even increase your risk of developing cancer. But by being proactive and taking some precautions, you can minimize the impact of sitting all day and keep yourself healthy and happy.</p> <p>See also: <a href="http://www.wisebread.com/5-ways-to-keep-your-desk-from-killing-you?ref=seealso">5 Ways to Keep Your Desk From Killing You</a></p> <h2>1. Drink Water</h2> <p>Many people are so busy at work that they forget to eat, or drink water, and all those cups of coffee can dehydrate you. As your body craves water, you can feel hungry, irritable, or listless, just because you're thirsty. Keep dehydration at bay by keeping a large water bottle at your desk. If you need a boost of flavor, add some fresh fruit to it to give it some extra zing. Having it within reach will encourage you to drink throughout the day and stay hydrated. You might be amazed by how much more alert you feel with enough water in your system.</p> <h2>2. Avoid Sugary Snacks</h2> <p>The best part of any workday when surprise bagels or doughnuts show up at a meeting. But those extra sweets and carbohydrates add up. Not only can they cause a sugar crash, leaving you feeling exhausted, but the extra calories can cause you to gain weight. Instead, plan ahead to have healthy snacks instead. Hard boiled eggs, string cheese, nuts, and peanut butter and crackers are healthy treats packed with protein, so you feel full and satisfied. (See also: <a href="http://www.wisebread.com/11-smoothie-bowls-you-want-right-now?ref=seealso">11 Smoothie Bowls You Want Right Now</a>)</p> <h2>3. Walk Whenever You Can</h2> <p>Sitting at your desk not only contributes to obesity, but also to hypertension and other health issues. Get up and walk several times throughout the day to keep your muscles moving. If possible, step out at lunch for a brisk 20-minute walk. Better yet, schedule walking meetings to catch up on status reports and new updates. You'll find yourself more energized after your meeting than if you sat in a conference room.</p> <h2>4. Eat Lunch</h2> <p>With so much going on at work, you may skip lunch or forget about it until you're ravenous at 3:00 p.m. That makes it even more tempting to grab a candy bar from the vending machine. Instead, make eating a healthful lunch a priority. A salad made with vegetables and chicken can give you energy, while a sandwich made with lean meats, tomatoes and kale can make you feel full for the rest of the afternoon.</p> <h2>5. Protect Your Neck</h2> <p>Whether you look down at the computer, or hold the phone against your shoulder to keep your hands free, your job can be hard on your neck. And all of that strain can cause your muscles to tense and tighten up, causing pain later on. Raise your computer to a comfortable height so you can see it looking straight ahead. You don't need expensive equipment; a few reams of copy paper can do the job. And a simple phone headset can allow you to use the phone while typing, without hurting your neck.</p> <h2>6. Prevent Eye Strain</h2> <p>All of that time in front of the computer screen can hurt your eyes, causing headaches, sensitivity to light, and dry eyes. Keep your computer screen about an arm's length away from you. If you can't clearly see the text on the screen, just increase your font size. There are also screen covers you can use to minimize the glare from the monitor to decrease the strain on your eyes.</p> <h2>7. Fidget</h2> <p>Fidgeting and moving can help minimize the effects of a sedentary work life. Whether you use an exercise ball as a chair or have a minibike under your desk, even occasionally moving around can help increase blood flow and circulation. A recent study showed that fidgeting, or just doing small movements every day, could counteract the <a href="http://time.com/4045317/fitness-sitting-work/">negative effects of sitting at your desk</a>. (See also: <a href="http://www.wisebread.com/10-exercises-to-do-at-work-that-dont-make-you-look-silly?ref=seealso">10 Exercises You Can Do at Work</a>)</p> <h2>8. Invest in Lighting</h2> <p>Fluorescent lights can be brutal on your eyes. If possible, ask maintenance to disable the lights in your office or directly over your cubicle, and bring in a floor or desk lamp of your own with softer light. If that's not possible, a small desk shade can help shield you from the fluorescent light's rays.</p> <h2>9. Focus on Posture</h2> <p>When you're on a tight deadline and typing away, it's all too easy to end up hunched over your computer. But that position can be harmful to your back and joints. At the end of the work day, you can end up feeling sore and stiff due to your work habits. Invest in a good office chair or cushion to help encourage good posture. Apps like <a href="http://www.postureminder.co.uk/">PostureMinder</a> send you reminders throughout the day to sit up straight, helping you break a bad habit.</p> <h2>10. Take Vacation</h2> <p>Most importantly, if you have vacation days, use them! Vacations are physically and mentally important for you to unwind, de-stress, and spend time with loved ones.</p> <p>While office jobs can be hard on your body, you can counteract the effects with some ingenuity and preplanning. By preparing healthy meals and snacks and by reminding yourself to get moving, you can keep yourself energized all day long.</p> <p><em>What other healthy habits can you do at your desk? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/10-healthy-habits-to-take-to-work">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-best-free-tools-to-improve-your-work-performance">The 7 Best Free Tools to Improve Your Work Performance</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-unmistakeable-signs-youre-slacking-at-work">5 Unmistakeable Signs You&#039;re Slacking at Work</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-tips-for-better-workplace-body-language">7 Tips for Better Workplace Body Language</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-to-do-before-your-first-day-at-a-new-job">5 Things to Do Before Your First Day at a New Job</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-bad-habits-that-are-ruining-your-career">6 Bad Habits That Are Ruining Your Career</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Health and Beauty cubicle healthy eating healthy habits Office productivity Stay Healthy work work habits Tue, 16 Aug 2016 09:30:31 +0000 Kat Tretina 1773088 at http://www.wisebread.com 9 High-Paying Jobs That Didn't Exist 10 Years Ago http://www.wisebread.com/9-high-paying-jobs-that-didnt-exist-10-years-ago <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-high-paying-jobs-that-didnt-exist-10-years-ago" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_90052683_MEDIUM.jpg" alt="technology has created some great high-paying jobs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Is your 9-to-5 job suffocating you? Tired of working a low-paying, high stress job? Have you been watching in horror as your industry slowly dies around you? Now might be the time to replace your dead-end job with a shiny, new, and potentially lucrative career.</p> <p>While you can certainly dive into a traditional career (doctor, lawyer, teacher), why not check out a newer job prospect? Over the last decade, advances in technology, changes in government policy, and shifts in social norms have gradually led to the birth of new careers. Here are nine jobs that didn't exist 10 years ago. (See also: <a href="http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead?ref=seealso">Escape Your Dying Industry With One of These 8 Careers, Instead</a>)</p> <h2>1. App Developer</h2> <p>In 2008, software developers created&nbsp;<a href="http://www.statista.com/statistics/263795/number-of-available-apps-in-the-apple-app-store/">800 applications for the Apple app store</a>. In less than 10 years, the number of apps available on the Apple App store has ballooned to 2,000,000. The popularity of applications created the need for a new specialization within the software development community: the app developer. App developers are responsible for developing, creating, and modifying the application software. In May of 2015, the Bureau of Labor Statistics (BLS) estimated that there were&nbsp;<a href="http://www.bls.gov/oes/current/oes151132.htm">747,730 app developer jobs</a>. And the mean hourly wage for the position is $49.12.</p> <h2>2. Data Scientist</h2> <p>Businesses utilize free store Wi-Fi and cameras to track customer movements, information received from credit card purchases, and mobile payments to delve into <a href="http://onlinemasters.ohio.edu/how-your-data-is-being-used/">customer behavior and patterns</a>. Information gained from the data can help businesses determine what to stock, how often to send out coupons, what to set the price to, and how product placement will influence customers. Data scientists are the people that collect data from individual sources, analyze the data for patterns, and make recommendations based on that data to managers and executives.</p> <p>Data scientists make a <a href="http://www.payscale.com/research/US/Job=Data_Scientist,_IT/Salary">median salary of $91,146</a>. And individuals who aren't lucky enough to make the median salary make at least $63,000 a year.</p> <h2>3. Ebook Editor</h2> <p>In 2007, the first major e-reading devices hit the shelves. For the first time, readers could have an entire library of books at their fingertips anywhere they went. The creation of ebooks not only changed how people could read, but it also made it easier for writers to self-publish their work. Amazon's Direct Publishing program, for example, will publish an author's work for free and provide royalties based on how many people purchase the book.</p> <p>The increase in writers self-publishing led to a new career and freelance opportunity: ebook formatting and editing. Formatters set up the backend HTML of the ebooks to ensure that the author has a professional ebook as they go through the publication process. Professionals within this field tend to charge anywhere from $50 to $200 dollars per book.</p> <h2>4. Geriatric Care Managers</h2> <p>Over the last decade, a large number of the United States population have reached the stage where they can no longer live entirely alone without help. This has left a large number of families with the difficult task of ensuring that their elderly loved ones have all the care that they need. The job entails analyzing what type of care and services are required, making a care plan, dealing with the technical details of setting up required services, and continuing to monitor the quality of the current care plan provided.</p> <p>This profession requires at least a Bachelor's degree in a field related to care management (nursing, mental health, counseling, etc.). Once you have the degree, you can become&nbsp;<a href="http://www.aginglifecare.org/ALCA/About_Aging_Life_Care/Certification_and_Professional_Conduct/ALCA/About_Aging_Life_Care/Certification_and_Professional_Conduct.aspx">certified in care management</a>. According to PayScale, the median salary for&nbsp;<a href="http://www.payscale.com/research/US/Job=Geriatric_Care_Manager/Salary">geriatric care managers</a> is $47,693.</p> <h2>5. Genetic Counselor</h2> <p>Health care has gradually moved toward a patient-centered care format. In a nutshell, this focus tries to foresee, prevent, and manage illnesses to prevent costly hospitalization. Genetic counselors are a new addition to the health care field in the wake of this industry philosophy change. They dive into an individual's personal history to assess the potential for genetic disorders or birth defects in future offspring, as well as the development of genetic diseases in adults.</p> <p>The job requires a Master's degree in genetic counseling or genetics. According to the BLS, genetic counselors can&nbsp;<a href="http://www.bls.gov/ooh/healthcare/genetic-counselors.htm">make up to $72,090</a>. The current pool of available jobs as of 2014 was only 2,400, but the career is prospected to grow by 29% by 2024.</p> <h2>6. Information Security Analyst</h2> <p>Implementing good cyber security plans is a vital aspect of any business plan. The Internet has made the potential for cyber criminals to steal vital business or patient information incredibly high. Information security analysts protect companies from cyber threats by conducting security threat assessments, planning how to protect the company from threats, and implementing the new security measures to protect the company's network.</p> <p>The median salary, according to the BLS,&nbsp;<a href="http://www.bls.gov/ooh/computer-and-information-technology/information-security-analysts.htm">as of 2015 was $90,120</a>. There are currently 82,900 information security analyst jobs. That number is projected to grow 18% by 2024.</p> <h2>7. Medical Records and Health Informatics Technician (HIT)</h2> <p>Technology has radically changed the health care field in the last few years. One of the major changes is the implementation of electronic health records to track patient care and patient history to improve the quality and safety of care.</p> <p>Health informatics professionals are the people who plan, implement, and maintain EHR systems. On top of their <a href="http://healthinformatics.uic.edu/resources/infographics/the-intersection-of-healthcare-and-it/">EHR duties</a>, professionals often deal with billing, create multimedia projects to educate patients, securely exchange electronic health information between care providers, and research health care trends.</p> <p>According to the BLS, median pay for&nbsp;<a href="http://www.bls.gov/ooh/healthcare/medical-records-and-health-information-technicians.htm">HIT professionals</a> is $37,110. As of 2014, there were 188,600 jobs. There is expected to be a 15% growth which will result in 29,000 more jobs by 2024.</p> <h2>8. Social Media Specialist</h2> <p>The major social media platforms like Facebook and Twitter hit the scene in the early 2000s. As more people started using them, businesses began to realize that they could be an easy way to connect with the public. Thus, the need for social media specialists were born.</p> <p>Social media specialists are responsible for maintaining all of a company's social media platforms, interacting with potential customers online, crafting a social media strategy to attract more customers or clients, and analyzing social media data metrics. According to PayScale, median <a href="http://www.payscale.com/research/US/Job=Social_Media_Specialist/Salary">salary for social media specialists</a> is $40,821.</p> <h2>9. YouTubers</h2> <p>YouTube was founded in 2005. But It wasn't until the last 10 years that individuals with YouTube channels started making their video creation efforts a profitable endeavor.</p> <p>There are various strategies that YouTubers utilize to monetize their videos. YouTube allows video creators to monetize their videos with ads, or engage in affiliate marketing with companies within the video. Individual gets paid when viewers sign up for the product or make a purchase.</p> <p><em>What other jobs didn't exist 10 years ago? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/9-high-paying-jobs-that-didnt-exist-10-years-ago">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-snapchat-in-your-job-search">How to Use Snapchat in Your Job Search</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-great-jobs-that-dont-pay-much">15 Great Jobs That Don&#039;t Pay Much</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead">Escape Your Dying Industry With One of These 8 Careers, Instead</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-careers-that-pay-women-more-than-men">7 Careers That Pay Women More Than Men</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-use-technology-to-upgrade-your-career">6 Ways to Use Technology to Upgrade Your Career</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Technology high-paying jobs job search jobs modern jobs modern technology salary side job social media Mon, 15 Aug 2016 09:00:08 +0000 Samantha Stauf 1770723 at http://www.wisebread.com 8 Ways to Turn Your Stress Into Money http://www.wisebread.com/8-ways-to-turn-your-stress-into-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-turn-your-stress-into-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_73912007_LARGE.jpg" alt="turning stress into money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Are you prone to stress and anxiety? Do you believe it's holding you back from being successful in your career and making money? It doesn't have to be this way. In fact, when your <a href="http://www.wisebread.com/beat-stress-with-these-28-inexpensive-pastimes">stress and anxiety are properly managed</a>, there may be ways to turn them into positive things for you financially &mdash; like extra cash!</p> <p>Let's take a look at these ways you can turn stress into financial freedom.</p> <h2>1. Channel Your Stress Into Hard Work</h2> <p>Employers don't want their employees to be stressed out, but they do want people who care. So if you have a little bit of anxiety about your work, that could be a good thing. If you can find a healthy way to channel that stress into being productive and conscientious, it will pay off in the workplace. The chemical produced by stress can, at certain levels, actually enhance alertness, memory, and attention.</p> <p>Many managers even say that giving workers a small amount of anxiety can help them perform better overall.</p> <p>&quot;Without anxiety, little would be accomplished,&quot; David Barlow, founder of the <a href="http://www.fastcompany.com/3025488/how-to-be-a-success-at-everything/relax-being-anxious-makes-you-a-good-leader">Center for Anxiety and Related Disorders</a> at Boston University, told <em>Fast Company. </em></p> <h2>2. Turn Your Stress Into Excitement</h2> <p>Stress can be debilitating. But excitement can help you reach new heights. There's a fine line between stress and excitement, but researchers say you can often find ways to frame stress in a positive way. In her paper, &quot;Get Excited: Reappraising Pre-Performance Anxiety as Excitement,&quot; Alison Woods Brooks of Harvard Business School <a href="https://www.apa.org/pubs/journals/releases/xge-a0035325.pdf">argues that you can perform better</a> in a situation simply by repeatedly telling yourself, &quot;I am excited.&quot; And the more you do it, the more it helps.</p> <p>&quot;Highly skilled individuals may be more likely to say &lsquo;I am excited&rsquo; before they tackle challenging tasks. In this way, emotional self-statements could operate in an upward spiral process in which successful individuals are more likely to express excitement, and saying &lsquo;I am excited&rsquo; then improves subsequent performance,&quot; Brooks writes.</p> <h2>3. Get a Side Hustle or Second Job</h2> <p>For many people, stressful and anxious thoughts come during downtime. It's hard to worry about things when you're busy at work, and the stressful thoughts may only come when your brain has a chance to think. If this sounds like you, maybe a second job will help you stay busy and keep your mind from wandering into Stress Town. And if you're the type of person who gets stressed about never seeming to have enough money, a second job may be what you need. It doesn't have to be another full-time job. Maybe you can take up freelance writing or design, or a craft. Anything to stay busy, keep your mind off your troubles, and make a little extra money in the process.</p> <h2>4. Become a Good Leader</h2> <p>In his book, <a href="http://amzn.to/29I0g4t">My Age of Anxiety</a>, writer Scott Stossel argues that being anxious can be helpful to people in leadership roles. He said anxious people are more likely to be tuned into other people's emotions and social cues.</p> <p>In their book, <a href="http://amzn.to/29Whaep">Wiser</a><em>, </em>researchers Cass Sunstein and Reid Hastie argue that groups can make the best decisions when they are led by an anxious and detail-oriented person. So who knows? Maybe your stress is your ticket to becoming CEO.</p> <h2>5. Save and Invest Like Crazy</h2> <p>If you are prone to anxiety, you worry about the future. That means you're probably good at preparing yourself financially for the days ahead. You may have cash set aside for every conceivable emergency, and are aggressive about saving for retirement because you stress about running out of cash as you age.</p> <p>If this sounds like you, you're probably in great shape financially and may even become quite wealthy as your investments and savings grow over time.</p> <h2>6. Become a Pet Sitter</h2> <p>If you suffer from anxiety or high stress, there's a lot of evidence suggesting that time with a pet can help you. Studies show that pets can provide the kind of unconditional love that would benefit those with mental health conditions, and may even improve social interactions.</p> <p>Pets can often be creatures of routine, demanding to be walked and fed at certain times. Being forced into that kind of routine may also be helpful to those with stress and and anxiety.</p> <p>What's more, if you <a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">make money by walking pets</a>, you'll be getting some exercise, which is also beneficial when battling stress.</p> <h2>7. Channel It Into Something Creative</h2> <p>Perhaps you've found that your stress goes away when you play the guitar, or paint, or make pottery. Maybe you feel better when you act or dance. You may think of these activities as mere outlets for your stress, but they can be moneymakers. Make some music and join a band. Sell your artwork. Join a theatre company. Take that stress and go make some dough.</p> <h2>8. Blog About Your Stress</h2> <p>About <a href="http://www.nimh.nih.gov/health/statistics/prevalence/any-anxiety-disorder-among-adults.shtml">40 million adults in the United States</a> suffer from some sort of anxiety disorder, according to the National Institutes of Mental Health. That's a huge potential audience of people who may be looking to get advice, or simply connect with those who are going through similar challenges. Finding ways to write about your stress and anxiety may be therapeutic for you, and if the blog takes off, you can earn a little bit of cash in the process.</p> <p><em>What other ways can you channel stress into money? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/18-cool-jobs-for-fashion-lovers">18 Cool Jobs for Fashion Lovers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-great-side-jobs-for-introverts">10 Great Side Jobs for Introverts</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-you-really-make-a-living-as-an-ebook-writer">Can You Really Make a Living as an Ebook Writer?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Extra Income anxiety earnings extra income jobs part-time job side hustle side jobs stress stress relief workplace Wed, 20 Jul 2016 09:00:07 +0000 Tim Lemke 1755547 at http://www.wisebread.com Escape Your Dying Industry With One of These 8 Careers, Instead http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/escape-your-dying-industry-with-one-of-these-8-careers-instead" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_photographer_96052725.jpg" alt="Woman in dying industry finding modern job" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>No one wants to admit that they're in a dying industry, but it's a hard fact that many of us will have to face at some point in our lives. Once upon a time, there were expert buggy-whip makers, and bowling alley pinsetters. Technology made those jobs extinct. Now, other jobs are in jeopardy, and if you are in a career that is being made obsolete, it's time to start weighing your options. Here are eight modern jobs that you should consider if your job will soon be taken over by robots.</p> <h2>1. Florists: Try Xeriscaping</h2> <p>The humble florist storefront is quickly disappearing, with those costly bouquets being replaced by cheap bunches of flowers from grocery stores and warehouse clubs. Plus, there are online retailers offering much cheaper deals on ready-made designs. If you're a florist, you're in a dying industry. But, you have great design skills that could be taken to another career. Some florists have found that transferring their skills to landscaping, specifically xeriscaping, is a transition that is fairly easy to make. Xeriscaping demands greater knowledge of plants and flowers, but the growing demand for gardens needing less water makes this an ideal industry to get into. Classes for xeriscaping are becoming easier to find in every city. And, it's in a very similar field, with beautiful end results.</p> <h2>2. Travel Agents: Try Travel Blogging</h2> <p>Let's face it, travel agents have been a dying breed for some time. But with the advent of websites like Orbitz, Expedia, Trivago, and Priceline, the need for an experienced travel agent has decreased dramatically. Why bother with the middleman, when you can go directly to the source and save time and money? However, travel agents have a wealth of experience in the travel industry, and that can be put to good use in travel writing and blogging. Contact the big players like National Geographic and the Travel Channel. Google &quot;travel journalism&quot; and you'll be hit with a plethora of sites filled with articles and guides written by experts. It can pay well to be a travel writer, and you also get to explore the world while you do it. (See also: <a href="http://www.wisebread.com/can-you-really-make-a-living-as-an-ebook-writer?ref=seealso">Can You Really Make a Living as an Ebook Writer?</a>)</p> <h2>3. Sewing Machinists: Try Selling on Etsy</h2> <p>Sewing machinists in the U.S., and other parts of the developed world, are quickly being replaced by people in China, Taiwan, Korea, and India. The profit margins for the manufacturers are just impossible to turn down, and that means U.S. sewing machinists are finding work much harder to come by. Even when they do, it doesn't pay well. So, if you are a skilled sewing machinist, branch out and create your own fashions on Etsy. You'll find it very easy to set up a store. You can find all the patterns you need on eBay and Amazon, and material is affordable when buying in bulk. Then sell your wares (customization can really help to increase sales, too) and keep all of the profit for yourself.</p> <h2>4. Telemarketers: Try Sales</h2> <p>Getting a call from a telemarketer as you're about to sit down for an evening meal is about as fun as having root canal work. The Do Not Call list certainly put a stop to a lot of that, and with so much selling being done online now, the need for real people making cold calls is dying out. Telemarketers often follow a script, but the successful ones have charm and know how to persuade. It is not a big leap to go from telemarketing to general sales, specifically in insurance, automotive, or real estate. The &quot;gift of the gab&quot; you have used can be transitioned easily into a sales role, and for the foreseeable future, there will continue to be a need for skilled professionals who know how to close a sale.</p> <h2>5. Tailors: Try Hairdressing</h2> <p>Although the need for a great tailor will never completely vanish, the current state of the fashion industry is not helping the tailoring business. Custom suits and outfits are expensive, and the rise of affordable fashion that can be purchased online is killing the bespoke market. Plus, many dry cleaners now offer simple alterations and other services once provided by tailors, at a fraction of the price. As a tailor, your skills could be used to create bespoke outfits that could be sold in your own eBay or Etsy store, or you can bite the bullet and try a new career. Hairdressing and barbering is growing in demand, and requires many crossover skills. Yes, you would have to retrain, but your eye for detail will work in your favor.</p> <h2>6. Photo Processors: Try Photography</h2> <p>Just as video killed the radio star, digital killed the photo processor. About 30 years ago, it was a thriving job. The rise of quality, affordable film cameras meant we were taking more pictures than ever, and that required the skills of a photo processor. Now, digital photography is everywhere, and with automated online photo ordering, photo processors are disappearing. If you have photo-processing skills, it may be time to go back into the world of photography and take pictures yourself. Professional photographers are in demand, and if you want to start with stock photo houses, you can get plenty of practice whilst earning a decent wage. Then there are weddings, engagements, births, and so many other occasions.</p> <h2>7. Typing Clerks: Try Medical Transcription</h2> <p>Typing used to be quite a valuable skill. Writing letters, with the correct formatting, was an art form. This was especially true when it was done on a typewriter, which required great planning and execution. Now, everything is done with templates on a computer, and you don't need any skills or training to produce professional quality letters, resumes, and other documents. So, take those typing skills, especially your words-per-minute rate, and apply them to transcription. Doctors and physicians continue to take notes either by hand, or on a voice recorder, and these need to be put into digital records quickly. You can also look into legal transcription and subtitling.</p> <h2>8. Telephone Operators: Try Online Community Management</h2> <p>Few qualifications were needed to have the job of a telephone operator, and it was a good entry-level job. Many people stayed on to make full-time careers of it, but as you know if you've tried to make a call to a big company, speaking to an actual human is very difficult. Sophisticated phone systems and software have replaced the job a person used to do, and now you push buttons to eventually get to the person you want to speak to.</p> <p>If you are a telephone operator, consider switching to the online world of community management. A community manager is responsible for company communication online, and can include PR, social media, content creation, and customer outreach. The skills you learned to be patient and informative can be channeled into community management, and you will create a positive public perception of the company. Digital is only going to get stronger, so now is the perfect time to enter this growing career.</p> <p><em>What other modern careers should people in dying industries try? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-guide-to-getting-a-job-right-out-of-college">Your Guide to Getting a Job Right Out of College</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-best-jobs-for-work-life-balance">4 Best Jobs for Work Life Balance</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-common-job-hunt-tips-you-should-ignore">8 Common Job-Hunt Tips You Should Ignore</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Job Hunting career dying industry job hunting job search modern career modern jobs Wed, 06 Jul 2016 10:00:05 +0000 Paul Michael 1745834 at http://www.wisebread.com Can You Really Make a Living as an Ebook Writer? http://www.wisebread.com/can-you-really-make-a-living-as-an-ebook-writer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/can-you-really-make-a-living-as-an-ebook-writer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_writing_book_83658901.jpg" alt="Woman making a living as an ebook writer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Ebooks have made self-publishing more accessible than ever. As recently as the 1990s, self-publishing meant paying to have thousands of physical books printed; a 1999 CNNMoney article pegged the cost at $12,000 to $30,000.</p> <p>Now that the majority of books sold are electronic, you can self-publish for much less &mdash; even for free. But does that mean you have a better chance now at making money on that self-published book than you did when expenses were higher?</p> <p>That all depends on how you go about it, and how lucky you are. Let's break down the process.</p> <h2>Where to Publish</h2> <p>The three main online stores that sell ebooks are Amazon's Kindle Store, Barnes &amp; Noble's Nook Store, and Apple's iBookstore. A few books are sold on other marketplaces as well, such as the Kobo US bookstore and GooglePlay Books. Authors can also sell their books directly to consumers on their own websites.</p> <p>Since <a href="http://authorearnings.com/report/october-2015-apple-bn-kobo-and-google-a-look-at-the-rest-of-the-ebook-market/">74% of all ebooks are sold on Amazon</a>, it's often the first or only place new authors think of to sell their work. And there are a lot of <a href="http://www.magnoliamedianetwork.com/sell-your-ebook-on-amazon/">benefits to selling on Amazon</a>. Kindle books are easy to buy, and the publishing process is straightforward. On the flip side, there are so many books selling on Amazon, including those from unknown new authors (like you), that it can be hard to stand out from the crowd. Amazon demands that you <a href="http://selfpublishingadvice.org/alli-watchdog-amazon-vs-apple/">exclusively sell your book</a> through them if you want to take advantage of many benefits, such as the Kindle Lending Library and Kindle Unlimited. (Keep in mind that Amazon pays authors when people check out their books; one ebook author said the Lending Library accounted for <a href="http://upfuel.com/how-much-money-can-one-kindle-book-make-1-year-case-study/">10% of his revenue</a>.) The biggest disadvantage of selling with Amazon, for many, is that they just don't like the way Amazon treats its authors.</p> <p>Apple's iBookstore is gaining market share, and as you would expect from Apple, books published on this platform look beautiful. But while Kindle books can be downloaded onto just about any device, readers can only access iBooks on an Apple device such as an iPad or an iPhone, which limits the market.</p> <p>Nook seems to be getting squeezed out by the big two ebook stores, and should probably only be considered as a secondary place to publish. The bottom line is that you may sell more books on Amazon, but some authors don't feel like that's a good enough reason to publish there.</p> <p>&quot;I may not sell as many books with Apple &mdash; yet &mdash; but it's a whole lot more fun working with them,&quot; writes author Giacomo Giammatteo.</p> <p>No matter which platform you choose, you stand to make about $2 a book if you sell your ebook for $2.99 &mdash; which is a popular price point.</p> <h2>How to Publish</h2> <p>Once you've decided where to sell your ebook, you're not done making decisions. You must decide whether to create and upload your ebook all on your own, or to pay an epublishing service or distributor to do it for you. The top services include <a href="https://www.bookbaby.com/">BookBaby</a>, <a href="https://www.smashwords.com/">Smashwords</a>, and <a href="http://www.ingramspark.com/">IngramSpark</a>. For fees of $149 or more, these services can format your book and upload it to multiple different ebook stores. You can pay more for value-added services, such as editing, cover design, and even print-on-demand paper books.</p> <p>You can also hire editing and design professionals independently for these services.</p> <h2>What to Publish</h2> <p>What your ebook is about all depends on your goals. If your motive is purely profit, there are methods of figuring out which topics are most likely to sell books. An anonymous author, who claims to be making tens of thousands of dollars a month publishing short ebooks (about 20 pages), describes his <a href="http://thehustle.co/underground-world-of-kindle-ebooks">process for choosing topics</a> on The Hustle: &quot;I find books that are selling well, check out their tables of contents, and look at the negative reviews to see what they missed.&quot;</p> <p>It may be disheartening for a hardworking writer to hear, but this successful entrepreneur says that sales are driven mainly by the cover image and the book description: &quot;[T]he book's content is the least important part of the process.&quot;</p> <p>If your motive is more to get a great idea or story out into the world, rather than just cranking out any title that will sell, you should still do your research before you sit down and start writing. If you have a blog, poll your readers on what topics they'd most like to see expanded upon in a book. If your book is in a genre or niche, such as a cookbook, study the top-selling, well-reviewed ebooks in that niche and try to figure out what you could add that hasn't already been done well. Fiction authors can also benefit by looking at already published novels in their category, to figure out both how to avoid writing books that have been done to death &mdash; and to find out what types of novels are hot right now.</p> <h2>How to Make It Sell</h2> <p>Once upon a time, writers just turned in their manuscripts to publishers and left the advertising and promotion to the company. But even authors with book contracts nowadays find themselves doing their own advertising and promotion. <em>Before</em> you publish your book, consider the investment of hiring a publicist to let media know about your upcoming release. If you're publicizing it yourself, write about your upcoming book on your blog, and ask other bloggers to write about it as well. You can also create a new blog just about the new book or about its topic, in order to drive traffic to your book.</p> <p>Don't forget good old-fashioned advertising. Mark Dawson, who says he makes six figures selling his novels on Kindle Direct, pays $370 a day to advertise it on Facebook, according to Forbes.</p> <h2>Will You Make Money?</h2> <p>Of about 200,000 authors selling ebooks on Amazon, only about 5,000 &mdash; less than 3% &mdash; consistently earn $10,000 a year or better, according to the website Author Earnings. More than half of those are traditionally-published authors. So, only around 1% of all the people self-publishing ebooks are making much money on it.</p> <p>That's not to say you can't. One approach for ending up with more money in your pocket is to keep your investment low, so that even if sales are modest, you still keep some profit. To save themselves from investing too much time, some ebook authors suggest <a href="http://www.fabfreelancewriting.com/blog/2013/06/25/writing-kindle-ficion-make-money-with-short-stories/">keeping books short</a> &mdash; since people are about as likely to pay for a 20-page book or short story as they are for a full-length novel. Others minimize their time investment by outsourcing the cover art (<a href="http://thehustle.co/underground-world-of-kindle-ebooks">this guy gets all his covers designed on Fiverr</a>) or even the content.</p> <p>Again, it's all about your goals. If your dream is to delight readers with your imaginative novel or win a literary award, you're not going to dash out an outline and hire a low-cost overseas writer to flesh it out. But if your goal is to develop a passive income stream by pumping out 50 titles a year, outsourcing is probably your best option.</p> <p>In the end, the answer is that you can make a living self-publishing ebooks, but like a lot of business ventures, most people who try it don't cash in. If you decide to enter self-publishing as a moneymaking venture, make sure to research the market first and put in the time to create a product that's optimized to sell.</p> <p><em>Have you tried selling an ebook online? What was your experience like? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/can-you-really-make-a-living-as-an-ebook-writer">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">8 Ways to Turn Your Stress Into Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/18-cool-jobs-for-fashion-lovers">18 Cool Jobs for Fashion Lovers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-side-jobs-for-book-lovers">6 Great Side Jobs for Book Lovers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-i-learned-about-money-after-i-went-freelance">7 Things I Learned About Money After I Went Freelance</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Extra Income author books bookworm ebook author eBooks freelancer jobs novelist professional writer side hustle writer Fri, 01 Jul 2016 10:30:04 +0000 Carrie Kirby 1742406 at http://www.wisebread.com Didn't Get the Raise? Ask for This, Instead http://www.wisebread.com/didnt-get-the-raise-ask-for-this-instead <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/didnt-get-the-raise-ask-for-this-instead" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_strong_work_71194917.jpg" alt="Woman doing something after getting denied for a pay raise" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Getting knocked back when you've built up the courage to ask for a pay raise at work can feel like a real blow. It can seem as if your hard work has gone unnoticed, and will quickly sour working relationships if you let it. But with some segments of the economy still decidedly wobbly, every pay bump is hard-fought, and more of us than ever are getting turned down when we ask for more cash.</p> <p>If this is your situation, don't get disheartened. Instead, think about the different negotiating angles you can work, like requesting a deferred raise, extra pension or benefits, increased vacation time, a personal development payment, or even the opportunity to work from home.</p> <p>All of these can effectively put money back in your pocket, even if your boss says no to a raise.</p> <h2>Deferred or Conditional Raise</h2> <p>If you asked for a straight raise and your boss was not able (or willing) to offer it, then asking for a conditional or deferred raise is an option. A deferred raise simply means a pay raise that is delayed until an agreed date &mdash; and might be worth asking for if your company has specific short-term cash issues, or if the issue is linked to the financial year. If there is no stretch in the budget for right now, that does not necessarily mean that there won't be in future, and getting an agreement in advance is a head start.</p> <p>A conditional raise, on the other hand, is linked to your achievement on a certain task or project. This might mean that you are to receive a raise if you secure a new contract, or pass a professional qualification. You might link it to the company profits or your team performance, depending on the sort of business you work for. This gives you the opportunity to show, not only why you deserve a raise, but also how your boss can find the cash.</p> <p>But for these options to work, they should be agreed in writing, and with as much specific details as possible to back them up.</p> <h2>Boost Your Benefits</h2> <p>Depending on the type of company you work for, it might be possible to effectively boost your overall remuneration by addressing other fringe benefits instead of the salary. This is often an appealing option for bosses if the financial pots for salary and benefits are separate. Even if the one pot dries up, there might still be some wriggle room in the other!</p> <p>You should look at the benefits your company offers, and make a specific request for improvement. For example, if your business has a grading system which is linked to benefits, you might ask to be bumped up a grade &mdash; especially if this allows you access to perks like a company car or share options. If this is hard to swallow for your HR team or boss, then consider agreeing that the grade improvement now could be set off against any future entitlement.</p> <p>Think broadly when you negotiate this one. You might request company pension contributions, share options or grants, reward cards, discounts on products you actually use, or even increased vacation time. All these routes effectively boost your package and leave you with more cash in your pocket overall.</p> <h2>Invest in Yourself</h2> <p>Sometimes, investing in yourself through personal development or improved qualifications is really worthwhile. If you are struggling to get a raise at work, then why not ask for support in achieving this development or qualifications instead? Some qualifications can <a href="http://www.wisebread.com/7-certifications-that-add-big-to-your-salary">give your salary a huge boost</a> over the long term.</p> <p>If you have courses in mind which would give you transferable skills, and also improve your performance at work, then see if your boss will pay for them. Even better, maybe you can get some study time off to reflect the extra work you are doing. These cash investments tend to be relatively small for the company, but the end result is that you have more skills with which to negotiate a better role or raise later down the line.</p> <h2>Flex</h2> <p>Ask for improved flexibility in your work schedule. This can be an equivalent to a pay raise if you can negotiate some time working from home, and therefore cut the costs of commuting or parking. If this is not possible, then perhaps working a more flexible shift would allow you to do some longer days in return for more time off.</p> <p>The benefits here are felt in reducing the cost of commuting, but also the peripheral costs of things like buying lunch at work or stocking up on gourmet coffees. On the other hand, by reducing your travel, you win back time that can be used to boost your income if you wish. To get the biggest return from this approach, use the time you save to <a href="http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle">set up a side hustle</a>, and suddenly it's like you're being paid double time.</p> <h2>Try Again</h2> <p>When you're asking for a pay or benefits rise, how you ask is at least as important as what you're requesting. If you've already been knocked back for a straight raise and are going in for a second pass, then it's especially important to get your message straight.</p> <p>Here are some hints to make sure you're making your case effectively.</p> <h3>Pick the Right Moment</h3> <p>If you were refused because the business is genuinely struggling, then putting the request on ice for a few months might be best. Use the time to sharpen your skills and, if necessary, start applying elsewhere.</p> <h3>Don't Whine or Give Ultimatums</h3> <p>Avoid comparing yourself to others. Don't say, &quot;I do way more than the rest of the team!&quot; As tempting as it might be, it's not going to help your case.</p> <h3>Don't Highlight Personal Financial Problems</h3> <p>If this is a real challenge, then be honest with your boss, but don't try to use your cash flow as leverage.</p> <h3>Remember You Are Not Entitled to It</h3> <p>You won't get one because you did everything asked of you, or just because the cost of living has gone up. Assume you're making a business case for the raise and present it as such, not a demand.</p> <p>As uncomfortable as it might be, asking for a raise is part of working life. And if necessary, bouncing back from rejection should be, too. Think of it as an ongoing project to market yourself and your skills and ensure that you are paid fairly, and consider different angles to make your requests so good they can't be refused.</p> <p><em>What is your experience in asking for a pay rise? Let us know in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/claire-millard">Claire Millard</a> of <a href="http://www.wisebread.com/didnt-get-the-raise-ask-for-this-instead">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-important-signs-that-your-job-sucks">10 Important Signs That Your Job Sucks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-money-moves-to-make-after-a-promotion">10 Money Moves to Make After a Promotion</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-you-should-demand-a-raise">5 Times You Should Demand a Raise</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-unexpected-costs-of-a-higher-paying-job-offer">4 Unexpected Costs of a Higher-Paying Job Offer</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-this-job-worth-it">Is This Job Worth It?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Extra Income ask for a raise benefits income job promotion pay increase raise salary work Fri, 01 Jul 2016 09:00:03 +0000 Claire Millard 1742408 at http://www.wisebread.com 8 Career Mistakes New Grads Make http://www.wisebread.com/8-career-mistakes-new-grads-make <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-career-mistakes-new-grads-make" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/new_grad_unemployed_85374233.jpg" alt="Woman making career mistakes new grads make" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>After four long years of studying hard, budgeting every thin dime, and learning the finer points of a ramen-based cuisine, you've finally graduated. As you toss that mortar board in the air and begin the job hunt, be mindful of common pitfalls that can get your career off to a bad start. Here are eight career mistakes new grads make.</p> <h2>1. Keeping Social Media Accounts Public</h2> <p>It's called <em>social </em>media for a reason. No matter how run-of-the-mill our Facebook or Twitter posts may be, we always run the risk of offending someone for something. Assume every potential employer will attempt to review your online presence early in the hiring process. If you can't <a href="http://www.wisebread.com/5-ways-to-break-your-social-media-habit">break your social media habit</a> completely, set your status to &quot;private&quot; across all networks and control the conversation.</p> <h2>2. Not Having a Plan</h2> <p>Without a plan, your career can take on a life of its own &mdash; and not in a good way. Think of your career as an extension of your education and design a plan for short-term and long-term success. Where do you want to be in three years? What about in 10? What are your income and lifestyle goals? What will it take to reach them? Shape every job search around specific incremental moves that will help make your plan a reality and avoid taking any job &quot;just because.&quot;</p> <h2>3. Not Dressing the Part</h2> <p>In today's hyper-casual culture, most young people have never learned how to dress for business success. Invest in an interview wardrobe that reflects the sort of professional you want to become. Choose versatile pieces that are understated, classically styled, and fit flawlessly. Oh, and two more things: Rediscover the lost art of ironing and remember that club wear is not formal wear. (See also: <a href="http://www.wisebread.com/build-a-work-wardrobe-for-any-job-on-a-budget?ref=seealso">Build a Work Wardrobe for Any Job on a Budget</a>)</p> <h2>4. Submitting Standardized Resumes and Cover Letters</h2> <p>Hiring managers are impressed by applicants who do their research. Avoid the &quot;click-apply-submit&quot; job search method by taking a few minutes to learn about each company you're interested in and each role you're applying for. Then, customize your resume and cover letter to address the employer's specific needs.</p> <h2>5. Jumping on the First Job Offer</h2> <p>Getting your first job offer after college is exciting and flattering, but don't let that cloud your judgment. Before you accept that job, know why. How does it fit with your career plan? Is it something you'll excel at and enjoy? Is there an obvious path for advancement? Does it pay enough to cover your expenses?</p> <h2>6. Buying a New Car</h2> <p>It happens so often it's almost cliché: A new graduate receives her first real paycheck, gets a little cash drunk after four lean years of college, and rewards herself with a brand-new car. This isn't just a financial mistake; it's a career mistake, too. That new car you'll be paying off for the next five years depreciated 25% the minute you drove it off the lot. And now you can't risk even a temporary hiccup in income and wouldn't dare settle for a more fulfilling job that pays less.</p> <p>A better option is to stay lean and nimble the first few years in your career by avoiding all forms of consumer debt. Remember, you're not sure where your professional life will take you &mdash; be ready to seize new opportunities. (See also: <a href="http://www.wisebread.com/3-reasons-why-you-should-never-buy-a-new-car?ref=seealso">3 Reasons Why You Should Never Buy a New Car</a>)</p> <h2>7. Gunning for a Promotion</h2> <p>First jobs are exciting and some newly-minted employees can get overeager to prove themselves. But trying to move up the corporate ladder too early can alienate coworkers and suggest to management that you're dissatisfied. Pace yourself by fully investing in your current role, building a strong network with colleagues, and waiting for the right opportunity to come along.</p> <h2>8. Freaking Out and Going Back to School</h2> <p>Overwhelmed by responsibility and underwhelmed by the glacial pace of career advancement, many new graduates respond by going back to school to pursue an advanced degree. A few years later, they've amassed more debt, lost valuable career-building time, and still have no clear plan for success. Be strategic. If you're unhappy with your work life, explore ways to <a href="http://www.wisebread.com/how-to-make-a-major-career-switch-without-going-back-to-school">shift careers without further schooling</a>. And if you decide to return to college, make sure it's a proactive and not a reactive decision.</p> <p><em>What advice would you give new grads? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/8-career-mistakes-new-grads-make">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-youre-being-a-terrible-employee">12 Ways You&#039;re Being a Terrible Employee</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/book-review-the-adventures-of-johnny-bunko">Book review: The Adventures of Johnny Bunko</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-re-fired-20-signs-that-a-pink-slip-is-coming">You’re Fired! 20 Signs That a Pink Slip is Coming</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-important-signs-that-your-job-sucks">10 Important Signs That Your Job Sucks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building career career advice career mistakes grads graduation life lessons new grads students Wed, 22 Jun 2016 09:00:04 +0000 Kentin Waits 1736431 at http://www.wisebread.com 8 $100k+ Jobs You Can Do Online http://www.wisebread.com/8-100k-jobs-you-can-do-online <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-100k-jobs-you-can-do-online" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_makeup_kit_000084480065.jpg" alt="Woman finding online jobs that can earn $100K" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Work no longer has to be a place. As the world of web-entrepreneurship and digital nomadic life becomes more and more mainstream, people are starting to realize that it's easier than ever to make good money online. These aren't get rich quick schemes by any means, and it will take a considerable amount of time and commitment to truly excel in these fields, but who doesn't want to earn $100K per year from virtually anywhere in the world? Here are five jobs that can help you do just that.</p> <h2>1. Travel Blogger</h2> <p>If you thought that travel blogging was just a hobby, you're not alone. In fact, before I started <a href="http://www.goatsontheroad.com/">my travel blog</a> in 2011, I had no idea that I would one day be earning over $10,000 a month after tax, doing what I love.</p> <p>The great thing about becoming a travel blogger is the perks that come along with the salary. $100,000 a year sounds great, but when you couple that with airlines flying you for free and tourism boards paying for all of your accommodations, food, and travel, it's pretty much the ultimate dream job.</p> <p>Travel bloggers who are doing it right barely have any day-to-day expenses, despite the fact that they&rsquo;re living a life fit for millionaires. Because there are literally thousands of travel blogs online, the market is definitely saturated, but that doesn't mean it's impossible to etch out a niche and make real money from this line of work.</p> <p>If you want to leave your cubicle behind and turn the world into your office, consider learning <a href="http://www.goatsontheroad.com/how-to-start-a-travel-blog/">how to start travel a blog</a> today. It could change your life.</p> <h3>$100K+ Examples:</h3> <ul> <li>Matt Karsten &mdash; <a href="http://expertvagabond.com/paid-to-travel-world/">Expert Vagabond</a></li> <li>Caz and Craig &mdash; <a href="http://ytravelblog.com/">yTravelBlog</a></li> <li>Natalie Sisson &mdash; <a href="http://suitcaseentrepreneur.com/">Suitcase Entrepreneur</a></li> <li>Nick &amp; Dariece - <a href="http://goatsontheroad.com">Goats On The Road</a></li> </ul> <h2>2. Internet Poker Player</h2> <p>If you love a good game of five-card stud, this job may just sound like it's too good to be true. The fact that you can sit on your computer and play digital poker, while looking out at a Caribbean beach, is a dreamlike thought for sure.</p> <p>But for online gamblers like Patrick Leonard, it is not uncommon to have single days where winnings break the $100,000 mark. Forget making more than six-figures per year, this guy once earned $220,000 on a rainy Sunday afternoon in Hungary (where he currently lives).</p> <p>It should be noted that most estimates point to 90% of all online poker players coming out on the losing end, which is why online poker sites make so much money. But if you're a freakishly good poker player like Patrick, you could make it rain digital dollars all over the world.</p> <h3>$100K+ Examples:</h3> <ul> <li>Diego Ventura</li> <li>Patrick Leonard</li> </ul> <h2>3. Web Designer</h2> <p>Designing websites can be a lucrative career, especially if you build a name for yourself and you start having big brands knocking on your door, asking you to pimp their blogs. Of course becoming a web designer isn't something you can do overnight.</p> <p>Have you ever seen the code behind a website? It's an entire language that you have to learn before you can start to customize the look of the web. But if you have a background in CSS, HTML, PHP, and other geeky web acronyms, then you can probably earn a good living from your computer, no matter where you are in the world.</p> <h3>$100K+ Examples:</h3> <ul> <li>Scott Eldridge &mdash; <a href="http://www.eldowebdesign.co.uk/">Eldo Web Design</a></li> <li>Preston Lee &mdash; <a href="http://millo.co/">millo.co</a></li> <li>Paul Jarvis &mdash; <a href="http://creativeclass.io/">creativeclass.io</a></li> </ul> <h2>4. Day Trader</h2> <p>For some reason, the sound of day trading on the stock market already has a wealthy ring to it. You may picture a dude with slicked back hair, holding a glass of scotch while betting on the changing stock market from a five-star hotel in Maui. Well, if you go to successful day trader <a href="http://wanderingtrader.com/about/">Marcello Arrambide's website</a>, you'll see just that.</p> <p>Like online poker playing, making money as a day trader is a gamble and if you have no prior experience, you're likely to lose before you gain &mdash; but this job is no joke. Some top earners are making upward of $20,000 a month, and they can do it from anywhere that has a decent Wi-Fi connection.</p> <h3>$100K+ Examples:</h3> <ul> <li>Marcello Arrambide &mdash; <a href="http://wanderingtrader.com/about/">The Wandering Trader</a></li> <li>Steve Gomez &mdash; <a href="https://www.youtube.com/user/sgomez858">Today Trader</a></li> </ul> <h2>5. Travel Writer</h2> <p>The difference between a travel <em>writer </em>and a travel <em>blogger </em>is that a travel writer is getting paid to write for other publications, while a travel blogger is probably making most (or all) of their income from writing on their own site.</p> <p>Earning six figures a year as a freelance writer is a difficult job indeed. Tim Leffel, one of the world's leading experts in travel writing, explains that making money as a freelance writer is truly a world of feast and famine. One minute you can have numerous publications waiting to feature you, while the next, you may be barely earning anything, just waiting for an assignment.</p> <p>Despite the relative uncertainty of income, some of the world's top-earning travel writers do take home $100K a year or more and they live a life that many of us could only dream of. Exploring the world, getting published in big magazines, and sharing their stories and adventures with millions of people. What a life.</p> <h3>$100K+ Examples:</h3> <ul> <li>Tim Leffel &mdash; <a href="http://travelwriting2.com/about/">Travel Writing 2.0</a></li> <li>Carol Tice &mdash; <a href="http://www.makealivingwriting.com/about-carol/">Make a Living Writing</a></li> </ul> <h2>6. YouTuber</h2> <p>If you read the word &quot;YouTuber&quot; and immediately thought that there's no way anyone is making real money from uploading videos to YouTube, you might just pass out when I tell you that the top earning YouTuber, Felix Kjellberg, is grossing over $12 million per annum.</p> <p>The 25-year-old Swede runs the popular gaming channel PewDiePie, and he is not alone in making millions of dollars from Internet videos. Rhett McLaughlin and Charles Lincoln Neal III made over $4 million in 2015 and there are literally dozens of other creators making seven to eight figures per year from their YouTube channels.</p> <p>For channels to earn this much money, they have to have a huge following. The top 10 YouTubers have a combined subscriber base of more than 230 million viewers and their most watched videos have had more views than the 2015 Super Bowl.</p> <p>Taking all of this into consideration, it's no surprise that these artists are making big money. If you're just starting out as a YouTuber, it may feel like you have nobody watching your videos, but if you promote yourself and market your channel properly, you could one day earn a solid income from embedded ads and sponsorships.</p> <h3>$100K+ Examples:</h3> <ul> <li>Felix Kjellberg &mdash; <a href="https://www.youtube.com/user/PewDiePie/videos?view=0&amp;flow=grid&amp;sort=p">PewDiePie</a></li> <li>Rhett and Link &mdash; <a href="https://www.youtube.com/user/rhettandlink2">Good Mythical Morning</a></li> </ul> <h2>7. App Programmer</h2> <p>Have you ever played the game Candy Crush on your smartphone? While you were aligning jelly beans and stopping chocolate blockers, you probably weren't aware that the app currently earns an estimated&nbsp;<a href="https://thinkgaming.com/app-sales-data/2/candy-crush-saga/">$1,176,816 per day</a>.&nbsp;</p> <p>Of course, the average programmer isn't going to make as much as Toby Rowland, the creator of the Sugar Crush Saga, but there are many app developers out there making good money from their digital creations.</p> <p>Simon Fairbairn and Erin McNeaney of <a href="http://www.neverendingvoyage.com/">Never Ending Voyage</a> have created a brilliant travel app called <a href="https://itunes.apple.com/us/app/trail-wallet-travel-budget/id547171665?mt=8">Trail Wallet</a> that is selling very well in the App Store and earning them a reliable income. The app helps travelers to track their budget and has been downloaded thousands of times from the app store.</p> <h3>$100K+ Examples:</h3> <ul> <li>Tasnim Ahmed &mdash; <a href="https://itunes.apple.com/us/app/santa-claus-merry-christmas/id764935420?mt=8">Santa Claus Photo Booth</a></li> <li>Ethan Nicholas &mdash; <a href="http://appadvice.com/appnn/2009/02/ishoot-developer-makes-600000-in-one-month">iShoot</a></li> </ul> <h2>8. Affiliate Marketing Guru</h2> <p>What is affiliate marketing? According to Pat Flynn, founder of the <a href="http://smartpassiveincome.com/">Smart Passive Income Blog</a>: &quot;It's the process of earning a commission by promoting other people's (or company's) products. You find a product you like, promote it to others, and earn a piece of the profit for each sale that you make.&quot;</p> <p>Forget earning $100,000 a year, Pat earns that every month and he does so using a passive income model, which means he doesn't spend every waking hour of his life on his computer. His blog is the most informative on the subject and he helps to teach others how to make a full-time income from affiliate sales.</p> <p>While having a blog with a huge amount of traffic like Pat's definitely helps to generate sales, there are plenty of people with much less traffic who are still making a lot of money through affiliate marketing. If earning money in your sleep sounds appealing to you, you may want to check out Pat's blog and consider starting your own blog today.</p> <h3>$100K+ Examples:</h3> <ul> <li>Pat Flynn &mdash; <a href="http://www.smartpassiveincome.com/">Smart Passive Income</a></li> <li>Steve Scott &mdash; <a href="http://www.stevescottsite.com/affiliate-marketing-strategies">SteveScottSite.com</a></li> </ul> <h2>You Can Do It &hellip;</h2> <p>These jobs may have once been reserved for people with fancy degrees, a background in technology, or Internet geniuses, but these days there are enough resources online that pretty much anyone can make money from their computers.</p> <p>Like the people in the examples above, you could work hard and one day be earning a six-figure income from your laptop. The great thing about computer work is that you can start it in your free time, while you&rsquo;re still working your normal job. If your online business takes off, you can retire to a life of digital freedom.</p> <p><em>Have you or someone you know earned a good income online? How did it work? Share with us in the comments below.</em></p> <h2 style="text-align: center;">Like This Article? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-100k-jobs-you-can-do-online&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8.jpg&amp;description=Here%20are%208%20Online%20jobs%20that%20can%20earn%20you%20%24100K%20%2F%20year%20or%20more!" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8.jpg" alt="$100K online jobs" width="200" height="300" align="middle" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/8-100k-jobs-you-can-do-online">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/22-websites-that-will-pay-you-to-write-for-them">22 Websites That Will Pay You to Write for Them</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-ace-your-next-coffee-interview">How to Ace Your Next Coffee Interview</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-words-to-never-use-in-a-job-interview">10 Words to Never Use in a Job Interview</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-interview-technique-will-get-you-hired">This Interview Technique Will Get You Hired</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Job Hunting day trader high paying jobs online jobs poker six figures travel work from home YouTube Mon, 20 Jun 2016 10:30:05 +0000 Nick Wharton 1721733 at http://www.wisebread.com 12 Ways You're Being a Terrible Employee http://www.wisebread.com/12-ways-youre-being-a-terrible-employee <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-ways-youre-being-a-terrible-employee" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/10275265.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You may think that being a good employee is all about doing great work, and nothing more. Actually, that's quite far from the truth. A great employee builds great relationships at work, takes the initiative, and cares about the success of the company. If you are making four or more of the following blunders at work, you're quickly on your way to becoming a terrible employee. (See also: <a href="http://www.wisebread.com/12-reasons-you-deserve-to-get-fired?ref=seealso">12 Reasons You Deserve to Get Fired</a>)</p> <h2>1. You're All About the Gossip</h2> <p>Every workplace has gossip and rumors. Good employees will ignore it, brush it off, or just avoid talking about anything that is idle chatter. Bad employees, however, relish the opportunity to talk about anything from company problems and other coworkers, to rumors of layoffs, mergers, or people about to get fired.</p> <p>If you find yourself being drawn into watercooler gossip, you have several options. First, you can simply make an excuse and walk away. Or, you can deftly change the subject to something non-gossip related. Finally, you can always talk to HR about some of the malicious gossip flying around, and they should look into it.</p> <h2>2. You Are Never on Time</h2> <p>Late for work. Late for meetings. Late for everything. Some people consider lateness to be the height of bad manners, and they have a point. When you are late, you are saying, &quot;my time is more important than your time,&quot; or even &quot;I really don't care what you think, I'll turn up when I'm ready.&quot; Maybe you're just really bad with time management, or you have a rotten commute that makes it hard to get in on time. But if everyone else in the office can get in on time, you really have no excuse. Use your smartphone to give you alerts well before your workday begins, so you have plenty of time to get where you're going. Do what you can to be on time, because nothing says &quot;terrible employee&quot; like someone who isn't even around.</p> <h2>3. You Complain &mdash; A Lot</h2> <p>We all have gripes with our jobs. There is no perfect workplace, and there will always be things that could be better. Yes, it's fine to bring up issues when they need to be addressed. But there is a big difference between occasionally alerting your boss to an issue, and whining in every meeting and one-on-one. They say that the &quot;squeaking wheel gets the grease&quot; and to some extent, that's true. However, in a work environment, it is usually much easier to replace that squeaking wheel. If you have complaints, see what you can do by yourself to solve them. If the issue is with a coworker, talk it out with them first. If there is a problem with equipment, or scheduling, bring solutions to the table. Don't be &quot;that&quot; employee &mdash; the one everyone avoids talking to because they cannot stand the tirade of negativity coming their way.</p> <h2>4. You Won't Do Anything Beyond Your Job Description</h2> <p>No doubt you have heard something like this coming from a coworker; &quot;Look, I'm not paid to do that, so I'm not doing it.&quot; Or, &quot;That's not my job, why should I?&quot; It is not uncommon these days for job descriptions to be very fluid as technology advances, and cutbacks hit firms everywhere. Sometimes, what you're being asked to do may be well beyond your job description, but if you can do what is being asked of you, step up and do it. The chances are, everyone is being asked to hit a few curveballs, and deal with things outside of their usual scope of work. Do your part, chip in, and you'll be valued. If it gets ridiculous, though, then you have the right to say something. You should not be doing the jobs of two or three people, but at least show your commitment before raising concerns.</p> <h2>5. You Spend Too Much Time Slacking Off</h2> <p>The distractions are everywhere. Many of us work on computers every day, and the Internet is right there, beckoning us. A few minutes shopping on Amazon, read the latest headlines, then a quick check of Facebook, Twitter, Instagram, Pinterest, and SnapChat. Before you know it, you've spent an hour or more doing nothing productive. This is actually stealing. Your employer is paying you for that time, and you should be doing the work they pay you for.</p> <h2>6. You Take Credit for Work Others Have Done</h2> <p>Nothing kills morale in a workplace like someone else taking the glory for a project that isn't theirs. If you have ever done this, or do it often, you are being a terrible employee. Businesses operate on the idea that it's a team environment, with each person doing his or her part to make the whole company successful. By swooping in and taking credit for the hard work other people have done, you are creating an atmosphere of distrust and negativity. Coworkers will be less likely to share with you, communication will break down, and the whole department you work in can become soured and tough to work for. If you are given credit for a job by accident, step up immediately and tell the boss who actually did the work.</p> <h2>7. You Abuse Those Sick Days</h2> <p>Coming in to work sick is bad enough. You're not going to be at your best, and you run the risk of giving other people in the office your illness. But what's worse is doing it so you can call in sick when you're perfectly healthy to enjoy a day off. Sick days are there for a reason. The company is giving you paid time off to heal, or feel better. To abuse this so you can go to a ball game or spend a day by the pool is just not fair, to anyone. Next time you're sick, use a sick day. When you need a personal day, use one of your vacation days.</p> <h2>8. You Make a Lot of Mistakes</h2> <p>We're all human. We all make mistakes, and the occasional error here or there should never be cause for concern (unless those errors result in something catastrophic). However, if your work is always coming back to you for revisions, or your manager receives constant complaints of poor quality work, then you need to get your act together. Whether it's constant grammatical errors in an office environment, to shoddy work on a building site, mistakes made weekly, or even daily, should not be tolerated. Plus, it often falls on other employees to fix your errors, burdening them with extra work because you can't get it right. In this case, you must try harder to clean up your act.</p> <h2>9. You Play the Blame Game</h2> <p>Finger pointing is one aspect of office politics that never fails to cause problems. When something goes wrong, if you're one of the first people to start assigning blame to others, you're not being a team player. Yes, maybe it was Janice in accounting who messed up. But maybe you should talk to her first and see what happened. Maybe it was really you, but you know you can slime your way out of it by throwing blame in someone else's direction. Don't be a finger pointer. If you made a mistake, own it. If someone else did, let him or her fess up. You don't want to be seen as the one who rats at the first opportunity.</p> <h2>10. You Swear Like a Sailor</h2> <p>Admittedly, there are some workplaces that have no problem with this kind of language. Certainly most places involving manual labor are not going to care about f-bombs. But in a professional environment, swearing constantly is just not&hellip; well, professional. Imagine having a meeting with a lawyer about an important case, and being greeted with a tirade of colorful language more at home in a Guy Ritchie movie. Would you trust this lawyer? Does he or she seem like the best person for the job? Maybe you'll go with the lawyer who doesn't sound like Vinnie Jones. Swearing in meetings can also make people feel uncomfortable, to the point that they will speak to HR about it. This will reflect badly on your manager, and your department, and bad language can actually be viewed as harassment.</p> <h2>11. You Steal</h2> <p>What's a few paperclips, right? Or a ream of paper? And hey, why pay for toilet paper when you can grab a couple of rolls from the bathroom? It may not feel like you're doing anything wrong when you take a items worth pennies. However, multiply this by every employee in the building, and suddenly your company is losing thousands of dollars every year in &quot;liberated&quot; goods. If you need the items to work from home, that's fair enough. But if you're snagging paper from the copier to print out your tax returns, or taking coffee filters for your machine at home, you are stealing from your employer. It's not a gray area. It's theft.</p> <h2>12. You're Not Proactive</h2> <p>Imagine being a firefighter and walking into a burning building only to see a fellow firefighter standing there watching it burn. &quot;Why aren't you putting out this fire?!&quot; you yell. He or she responds with, &quot;You didn't ask me to.&quot; That may seem like a ridiculous scenario, and it would never happen because firefighters know better. But in other places, it happens all the time. Good employees will take the initiative. They will solve problems without being asked. They will initiate new projects that can benefit the company. Bad employees will wait for the order, and do nothing until it is given. Don't sit there waiting to be asked. What can you do to help? What can you do to create opportunities? Be the go-getter.</p> <p><em>Does this sound like you or any of your coworkers? </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/12-ways-youre-being-a-terrible-employee">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/fired-heres-how-to-keep-it-from-hurting-your-career">Fired? Here&#039;s How to Keep It From Hurting Your Career</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-re-fired-20-signs-that-a-pink-slip-is-coming">You’re Fired! 20 Signs That a Pink Slip is Coming</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-important-signs-that-your-job-sucks">10 Important Signs That Your Job Sucks</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead">Escape Your Dying Industry With One of These 8 Careers, Instead</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-career-mistakes-new-grads-make">8 Career Mistakes New Grads Make</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building career career advice fired horrible boss job hunting job performance terrible employee unemployed work Mon, 13 Jun 2016 10:30:04 +0000 Paul Michael 1727885 at http://www.wisebread.com How to Ace Your Next Coffee Interview http://www.wisebread.com/how-to-ace-your-next-coffee-interview <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-ace-your-next-coffee-interview" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000051956032_Large.jpg" alt="acing her coffee interview" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Ah, the modern job hunt. You've optimized your online profiles, mastered the art of digital networking, and figured out how to stay on the right side of the line between using the Internet to research a hiring manager, and full-on stalking. So far, so good.</p> <p>And you've even landed an interview, but there a catch. Your first face-to-face contact with your prospective dream boss is a &quot;coffee interview.&quot; Say what?</p> <p>Using an informal screening stage in recruiting isn't new, but since this important kind of meeting has moved to a cafe setting, it has become an etiquette minefield.</p> <p>If you've got a coffee interview booked and you're stumped by such vital questions as what to wear, how to identify your interviewer, and, if it's okay to order a double skinny lactose free caramel latte, read on. (See also: <a href="http://www.wisebread.com/6-ways-to-calm-your-nerves-and-ace-your-interview?ref=seealso">6 Ways to Calm Your Nerves and Ace Your Interview</a>)</p> <h2>Be Informal, Not Relaxed</h2> <p>Don't be fooled into feeling that the informal environment will lead to a <em>relaxed </em>meeting. One of the most common mistakes job seekers make is to underestimate the expectation of the interviewer and arrive underprepared at this type of interview. If you don't want to fail at the first hurdle, you need to get prepped!</p> <p>Ask the interviewer what the format of the interview will be, and if there is anything in particular you can prepare in advance, or bring along, such as references or a portfolio. Often the first meeting will be a gate keeping exercise, to test basic suitability for the job, and to sound out candidate expectations about salary, working conditions, and availability. Expect to be asked practical questions, and have answers in mind, so they don't become a barrier.</p> <p>Preparing for the meat of the conversation starts with research. Pick out the key skills and experience detailed in the job posting, and make sure you're clear on your unique selling point &mdash; what makes you suited to the role. Learn everything you can about the company, and think of ways you can make your mark even at this early stage. You might consider visiting a competitor, for example, or preparing some thoughts on the biggest challenges and opportunities facing the company. By having knowledge and unique ideas, you will stand out for the right reasons.</p> <h2>Map It Out</h2> <p>The logistics of a coffee interview can feel somewhat daunting. Make sure you know exactly where you're going &mdash; especially if you're meeting in a chain cafe that has several different locations in town &mdash; and arrive a little early if possible.</p> <p>Identifying your interviewer from an anonymous crowd is the next challenge. If you know exactly who you're meeting in advance, have a look at their social media presence to find a picture to increase your odds of picking them out in a crowd. Take a seat facing the door if you can, and text or call your interviewer a few minutes before you're due to meet, to describe your location. Be aware that recruiters often batch meetings, so your interviewer might already be in the cafe with another candidate.</p> <p>Once you've found the right person, remember it's an interview, not a date. Take your lead from them when ordering, and don't order anything too wacky! If you're eating, spend a second figuring out what on the menu is suitable. Spraying yourself with spaghetti sauce, or trying to talk while gnawing on ribs isn't a good look!</p> <p>Although you're there to talk about the position, remember that you're creating an impression before you're ever been asked a question. More so than in an office environment, your interviewer will pick up on your interactions with others. Treat everyone with <em>real </em>respect. This is no time to get snarky with your waitress, even if the order is muddled up.</p> <p>Similarly, what you choose to wear is more open in a coffee interview. While office attire is fairly well defined, anything goes in a cafe. Choose something that makes you feel good and that fits with your perception of the company culture. If you're in any doubt, err on the side of more formal. Unless you habitually hang out in your tux, it's hard to be overdressed, in any interview situation.</p> <h2>Exit Gracefully</h2> <p>As your meeting is coming to an end, hopefully you've developed a great rapport with your interviewer, and are parting on good terms &mdash; but you still need to avoid an etiquette fail. Getting the bill is the first challenge. It's pretty common for the recruiter to pick up the tab, but have some cash just in case. Having to borrow a few dollars from your prospective boss is not the best start to a working relationship.</p> <p>When you're done, shake hands and part ways. Even if you might really want to hang round in the same cafe, or grab a bite to eat, it's usually best to leave. If your interviewer has another meeting lined up directly after you, they won't want you in a position to spy on the competition. Make a dignified exit and get your lunch elsewhere!</p> <h2>Always Follow Up</h2> <p>As with any interview, it's a good idea to follow up with a thank you note. An email is fine in such an informal scenario, just to reiterate your interest in the role, and say thanks for the meeting. If you touched upon anything in your conversation that really resonated with you both &mdash; maybe a book you mentioned, or an interesting article about a mutual passion &mdash; then mention this as an anchor to your conversation, and to help your interviewer remember the connection you had.</p> <p>A coffee interview is never going to be quite as much fun as hanging out with friends over a latte and lunch, but it shouldn't be too terrifying, either.</p> <p><em>What do you think? Have you had coffee interview successes, or disasters? Tell us in the comments.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/claire-millard">Claire Millard</a> of <a href="http://www.wisebread.com/how-to-ace-your-next-coffee-interview">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-guerrilla-job-hunting-work-for-you">Make Guerrilla Job Hunting Work for You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-never-to-bring-up-in-a-job-interview">5 Things Never to Bring Up in a Job Interview</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-words-to-never-use-in-a-job-interview">10 Words to Never Use in a Job Interview</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-signs-your-company-is-going-under">10 Signs Your Company Is Going Under</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead">Escape Your Dying Industry With One of These 8 Careers, Instead</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Job Hunting coffee interview how to interview etiquette job interview tips job interviews job search Thu, 02 Jun 2016 09:00:11 +0000 Claire Millard 1722227 at http://www.wisebread.com 6 Signs You Aren't Making Enough Money http://www.wisebread.com/6-signs-you-arent-making-enough-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-signs-you-arent-making-enough-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_stressed_computer_000044901658.jpg" alt="Woman learning signs she isn&#039;t making enough money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Living paycheck to paycheck can take a toll on your stress levels and emotional wellbeing. It can also greatly impact your financial wellbeing both in the present and in the future. If you aren't confident about your financial future, then it's time to make a change. Here are a few signs that you need to spend less &mdash; or make more.</p> <h2>1. Your Bills Are Overwhelming</h2> <p>If you don't make enough to pay your bills every month, then you need to make more. Even paying the minimum amount on your bills is not enough. You should be working to pay off your debt, without having to worry about making enough to buy food every month.</p> <p>Overdrawing your checking account, paying your bills late every month, or ignoring your financial obligations altogether can make the problem much worse. If you commit any of these bad habits, then you'll have to worry about overdraft fees, bounced check fees, and may even be sent to collections. (See also: <a href="http://www.wisebread.com/how-late-payments-affect-your-credit?ref=seealso">How Late Payments Affect Your Credit</a>)</p> <h2>2. Your Budgeting Isn't Enough</h2> <p>The best way to get more out of every paycheck is to simply spend less. Creating a budget can be the right step towards making lasting changes that will pay off big in the end. However, what do you do if you have already created a budget and cut out all the unnecessary spending you can, but still aren't making enough? You'll need to find a way to make more money.</p> <h2>3. You Have No Savings</h2> <p>If you aren't able to pay down your debt and set aside money for your savings and retirement accounts, then you simply need to make more. In the event that there is a large unexpected expense coming your way, you should have some savings to cover it. It is crucial that you set aside money for your future, and if you aren't, then you need to do something to change the present.</p> <p>It's important to keep your money goals and future finances in mind. It's essential that you are saving for your future, in the event that you experience a pay cut or layoff. Saving for retirement is also one of the most important things you can do for your future self. If you aren't reaching your short and long-term financial goals, then you aren't making enough money.</p> <h2>4. You Keep Relying On Credit Cards</h2> <p>If you find that you are relying on your credit cards just to make ends meet, and are only paying the minimum on your credit cards month after month, you're heading towards prolonged debt and a host of other problems. This can result in a <a href="http://www.wisebread.com/7-ways-to-increase-your-credit-score-quickly" target="_blank">lower credit score</a> and less money available for your savings account. In the long run, you'll also be responsible for higher interest charges and credit card payments.</p> <h2>5. Your Paycheck Disappears in No Time</h2> <p>If you spend the bulk of your paycheck in the first couple of days, then there's a problem. You should have more than just enough to pay your bills. There should be money left to save and invest towards retirement. Everyone has a bad month from time to time, but if you find that your paycheck runs out within the first week of every month, then you may be overspending or simply not making enough.</p> <p>Special occasions occur for most people several times per year. During these times, you'll want to have a little money set aside (for holidays, anniversaries, birthdays, and other occasions that can cut into your pay). The last thing you want to worry about is breaking out the credit cards just because you need to buy gifts for the kids.</p> <h2>6. You Feel Undervalued</h2> <p>If you feel you aren't being paid enough at your current job, then you may get resentful and less productive. Consider speaking with your manager about what you bring to the table and ask for a raise. The worst they can say is &quot;No.&quot;</p> <p>If you decide to ask for a raise, then you need to first determine <a href="http://www.wisebread.com/are-you-underpaid-how-to-figure-out-what-salary-you-deserve">what your time is worth</a>. Use a salary calculator or salary comparison site, and find out what the average salary is for your career so that you have that information on your side when you speak with management. (See also: <a href="http://www.wisebread.com/getting-the-most-out-of-salary-comparison-sites?ref=seealso">Getting the Most Out of Salary Comparison Sites</a>)</p> <h2>Is It Time to Make a Move?</h2> <p>If you realize it's time to make a move, then there are several steps you can take. If you haven't <a href="http://www.wisebread.com/build-your-first-budget-in-5-easy-steps">worked on a budget</a> yet, then it's time to do so. You can also take steps to reduce your rent, find alternate forms of transportation, or simply spend less. You may also need to consider changing employment or taking on a weekend or side job.</p> <p><em>Do you know of other signs that a person just isn't making enough? Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/6-signs-you-arent-making-enough-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-good-reasons-to-become-a-contractor">8 Good Reasons to Become a Contractor</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-your-financial-habits-just-bad">Are Your Financial Habits Just Bad?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-keep-holiday-spending-from-blowing-debt-repayment">6 Ways to Keep Holiday Spending From Blowing Debt Repayment</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-high-paying-jobs-that-didnt-exist-10-years-ago">9 High-Paying Jobs That Didn&#039;t Exist 10 Years Ago</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-debt-collectors-dont-want-you-to-know">5 Things Debt Collectors Don&#039;t Want You to Know</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Career Building Debt Management asking for a raise bills paycheck to paycheck salary underpaid wages Mon, 23 May 2016 09:30:20 +0000 Andrea Cannon 1714251 at http://www.wisebread.com