Thursday, March 12, 2020
5 Popular Resume Tips You SHOULDNT Follow - Jobscan BlogPosted on April 12, 2018December 16, 2019 by Jon Shields Most resume tip resources are primarily made up of common sense and tried-and-true methods, but there are a few pieces of advice out there that could hurt more than they help.Use caution when it comes to unterstellung 5 resume tipsResume Tip 1 Hide gaps or short-term gigs in your resume by removing exact dates from your experienceSome advise to cover up gaps in your experience or short-lived jobs by reformatting the dates on your resume. For example, a January-to-September gap like thisWXYZ Company, September 2017-PresentABCD Company, March 2015-January 2017BecomesWXYZ Company, 2017-PresentABCD Company, 2015-2017The gap magically disappears. Similarly, for a single short-term position,October 2016-January 2017 becomes 2016-2017.Alternatively, some advise to only list the duration of employment (e.g. Microsoft 4 years, 2 months) to hide gaps or protect against age discrimi nation.Why it seems like a good idea Recruiters could see a gap in your resume or a short-lived job as a major red flag. Instead of hearing you out, they could opt to move on to other candidates. By disguising behauptung gaps and bumps in the road with formatting tricks, you might fool the recruiter and buy enough time to get them hooked on your skillset.Why it isntOne, a recruiter will eventually catch on and dock you for being sneaky. Two,the applicant tracking system(ATS) that parses your resume into a searchable candidate profile could fail to make sense of your formatting, creating even bigger schwierigkeits.The popular ATSiCIMS, for example, defaults year-only dates to January 1st, so the job you labeled 2017-2017 becomes January 1, 2017-January 1, 2017. The job you worked between November 2016 and December 2017 but labeled as 2016-2017 becomes January 1, 2016-January 1, 2017.This could turn your work history into a puzzle the recruiter doesnt have time to piece together. It c ould alsocome back to bite you if there are any automated filters enabled that calculate and rate you based on experience levels.Even worse, the year-only format could cause an ATS to fail to recognize the experience altogether, excluding it from search or ranking algorithms, especially if its in the 4 years, 2 months format.What you should do insteadBe honest. Masking a gap or job hopping concern could, in theory, help get your foot in the door, but recruiters and hiring managers will uncover the truth at some point in the hiring process. They wont be happy to learn about a potential problem after theyve already invested the time to meet you. Instead, use conventional formatting and explain your gaps as honestly as you can in your cover letter.Be prepared to talk about it if you make it to an interview.Remove short-term jobs from your resume that arent strengthening your candidacy, or label short-term jobs with (Temporary), (Seasonal), (Contract), (Freelance) etc.Resume Tip 2 Use a Functional ResumeAlong the same lines, the functional resume formatis a popular option among career changers and people with gaps in their resume.This format designates two-thirds of the page to accomplishments and transferable skills before briefly listing the actual work history at the bottom.Functional Resume Template Example. Click to Enlarge. Download docx.Why it seems like a good ideaBy dedicating your resumes prime real estate to your most attractive skills and accomplishments, the recruiter might pay less attention to your unconventional work history or gaps in your resume.Why it isnt Recruiters hate the functional resume, a veteran recruiter told Jobscan.Recruiters arent stupid. They know that youre using a functional resume to try and hide shortcomings on your resume. If anything, a functional resume draws more attention to whatever it is youre hiding because the format itself is a red flag.Recruiters cant assign proper value to skills or accomplishments without context, so if they bother at all with your functional resume, the first thing theyre going to do is dig deeper.Additionally, a functional resume format is highly unlikely to play nice with an ATS.Ive seen plenty of people that try to use a functional resume and I tell them, Youre just shooting yourself in the foot, concluded the recruiter.What you should do insteadIf a traditional reverse-chronological resume format isnt for you, try instead the hybrid resume format. More and more resumes are moving in this direction. You can add a few top skills and/or achievements at the top of the resume but still have room to validate them with detailed work experience. Recruiters and online application systems alike are more receptive to this format.Hybrid Resume Template. Click to Enlarge. Download .docxResume Tip 3 Beat applicant tracking systems by using a genau cloud toolUsing a genau cloud to beat ATS algorithms is an extremely popular resume hack these days. These systems either analyze your resu me contents and compare it to whats in the job description or parse your resume to make it searchable for recruiters.Why it seems like a good ideaRunning the job description through a word cloud toollike TagCrowd or WordItOut will reveal which words appear most frequently and, in theory, are most important to the hiring company. Adding these words to your resume should increase your wegs of making it through the ATS.Why it isntThe logic behind this approach is sound but word cloud tools leave a lot to be desired as a job search tool. They arent intelligent enough to recognize what is and isnt an actual skill, put together multi-word phrases, or ignore unhelpful filler words. This leaves you to sort through a great deal of noise in order to make the right changes to your resume.What you should do insteadJobscan not only calculates the frequency of words in a job description, it intelligently categorizes actual skills from the job description, compares them to whats in your resume, an d breaks it all down into an easy-to-read report.Paste in your resume and a job description below to see the tool in action??span data-mce-type=bookmark style=display inline-block width 0px overflow hidden line-height 0 class=mce_SELRES_start?/spanspan data-mce-type=bookmark style=display inline-block width 0px overflow hidden line-height 0 class=mce_SELRES_start?/spanspan data-mce-type=bookmark style=display inline-block width 0px overflow hidden line-height 0 class=mce_SELRES_start?/spanspan data-mce-type=bookmark style=display inline-block width 0px overflow hidden line-height 0 class=mce_SELRES_startspan data-mce-type=bookmark style=display inline-block width 0px overflow hidden line-height 0 class=mce_SELRES_start?/span?/spanResume Tip 4 Use hidden keywords to beat applicant tracking systemsMaking koranvers your resume is optimized for and compliant with ATS is a savvy and above-board job search technique. Trying to hack or cheat the system by secretly stuffing your resume with skills you dont possess is an easily discoverable tactic that will land you on a recruiters bad side.In the Reddit community Unethical Pro Tips, a user suggested hiding the entire job description in your resume with white text while another suggested using Jobscan to figure out which keywords you should secretly stuff into your resume.Why it seems like a good idea Its true that these techniques could manipulate an applicant tracking systems ranking or search algorithm to make you appear to be a great match for the job.Why it isntMany top applicant tracking systems parse your resume into a candidate profile, meaning that recruiters are looking at plain text fields instead of the resume you uploaded. A pasted job description would stand out like a sore thumb. Furthermore, many ATS highlight search terms so that recruiters can see the context of the keyword. Heres an example of what that looks like for an applicant who tried to secretly stuff the keyword accounting into their resume t hroughTaleo.An applicant profile in Taleo, the most commonly used ATS. This applicant tried to beat the system using the hidden text method (Accounting Accounting), but its easy to spot once the resume text has been parsed into the system.What you should do instead Optimizing your resume with a tool like Jobscan isnt about tricking the system. Its about making sure your resume isnt missing anything and works in sync with the system. Add missing skills and keywords you actually possess into your resume as naturally as possible.Resume Tip 5 Always upload your resume as a PDFOnline applicant tracking systems accept a variety of file types when it comes to uploading your resume. Taleo, for example, accepts RTF, DOC, DOCX, CSV, TXT, PDF, and several other file formats. No matter whats available, some people recommendalways uploading a PDF.Why it seems like a good ideaWhen it comes to other file types, the formatting can thrown out of whack depending in which word processor, browser, or c loud app its opened. By uploading a PDF, you lower the risk of a formatting error making your resume appear unprofessional. A PDF is more visually stable and will display your resume exactly how you designed it.Why it isnt If youre emailing your resume directly to a hiring manager, a PDF is a great way to go. However, if youre uploading your resume into an ATS that automatically pulls information from your resume into an applicant profile, a PDFs contents is slightly less likely to be parsed correctly. This means that your application might be excluded from some search results or might not rank as well as it otherwise could.What you should do insteadBy using a standard text-based format like DOC or DOCX and keeping your formatting simple, the system is more likely to understand and correctly parse your information, giving you the best chance possible to be a top result in an ATS.Facebook Commentswpdevar_comment_1 span,wpdevar_comment_1 iframewidth100% important
Saturday, March 7, 2020
The Pitfall of Best Resume Writing Services in New York City Life How to Get Started with Best Resume Writing Services in New York City Life? Resume writing requires critical thinking and plenty of creativity in regard to the means by which the info should flow, what the messaging ought to be and the way the resume ought to be designed from modest to modern. Wherever youre in your career, were here to assist. Because, its a true test of wisdom and skill. You wish to sell your merchandise management expertise either with hard abilities or soft. The Benefits of Best Resume Writing Services in New York City Life Organizations are looking zugnglich to determine in case you have the ideal qualifications. Check whether a service has an user-friendly website with nice images and. When more seasoned job seekers wind up doing so, it appears like they could be hiding something like their age or even past experience. However effective youre in your work, the tough part is making ce rtain that comes across. The very best part was I landed a new job in only a month or two Possessing an objective person or more than 1 person look at its valuable. Furthermore, the very best and professional writers understand the demands of government departments very well. If you arent optimizing your social media, youre passing up some significant opportunities. You want to provide concise, relevant and engaging responses to be able to WOW your interviewers. Picking the best resume format is vitally important because there are lots of elements to consider. Writing a genuine essay is in reality a daunting job. There is going to be occasions when you have many assignments due and you might have to turn to a writing service for assistance with your essays. So many questions to answer prior to getting started. Just because a web site is fancily designed does not absolutely indicate thats a credible dissertation. The Little-Known Secrets to Best Resume Writing Services in New York City Life bestellung top-notch essay at this time and certified specialists will do their very best to supply you with higher quality at fair price. You should exercise regardless of what sort of lifestyle youve got or your geographical area, it has enormous benefits for your body along with mentioned psychological added benefits. There are many different services out there you may use that will charge left. You have to devote a certain quantity of time sitting in the library or surfing the internet as a way to locate some helpful data for your academic paper. Details of Best Resume Writing Services in New York City Life You may even go for an available writer to communication panel, which gives you an immediate communication between the author and the customer. The tool may give a suggestion on the place where you should set your next meeting. Well, its essential to know the characteristics of best resume for LinkedIn, so it would be simple to choose the ideal on line resume service. After getting the info about optimization and parts of LinkedIn profile, it will become obvious to employ the expert services of pro writers to boost your LinkedIn profile. Hiring managers meet with lots of individuals. A Professional resume dramatically enhances the impression you give to a brand-new employer. You dont deserve to discover the career you would like if you dont utilize Resume Strategists Obviously, its much important to find the help of some expert writer to prepare the finest federal resume because the demands of federal resume are much different than resume required for private job.
Friday, January 3, 2020
Video and its Impact on the Candidate Experience - Spark HireThe candidate experience is something that many companies and staffing firms have recently started paying attention to. After all, with social media, its so easy for someone to quickly give your company a bad name if they did not have a pleasant experience when interviewing or applying for a job with your company.If you seriously want to consider ways to improve the candidate experiencewith your business, you must consider integrating video within your application and interview process. Video will allow candidates the opportunity to individualize and it will also allow candidates to better understand your companys culture early on in the consideration process.Video ResumesGone are the days of standardized, boring resumes printed out on thick, professional, cream-colored and textured paper. Todays candidates want to express their individuality through their resume and show off their skill sets in a different way.If your comp any is not accepting video resumes, this is the first thing you must change in bestellung to improve the candidate experiencewith your company. Not only will a video resume allow you to quickly understand the candidates qualifications, but it will also allow you to better understand each candidates personality and energy, also ensuring cultural fit.One-Way Video InterviewsIf you really want to impress your candidates with how technically savvy your company is, you should definitely be using one-way video interviews in your initial screening process By requesting a candidate to complete a one-way video interview, you are allowing the candidate to take time to think about the questions, responding the way the candidate desires.From my experience, it was very exciting completing a one-way video interview. I was able to express my carefully thought out ideas in each answer, and watch the recording before I decided to submit my response. The best part of it is that I was able to complete the interview on my schedule, rather than having to schedule a break from the office in buchung to take a phone call.This interview screen is not only simpler and more fun for the candidate, but it also simplifies your life quite a bit. No more constant dialing candidates and leaving voicemail after voicemail, trying to schedule a time to speakLive Video InterviewsMany companies have already jumped on the bandwagon and added live video interviewing into their interview process. However, most of these companies are utilizing free internet services such as Skype, or Facetime. While each of these services is great, one thing they are missing is the ability to replay the interview.Just imagine having the ability to replay an entire interview At Spark Hire, we make this possible with our Live Video Interview tool. Goodbye pesky notepad and pen no longer will you distract us from important observations during an interview After an interview, if you wonder how a candidate responded to a question or their facial expression when you discussed certain job expectations, you can simply replay the video interview.When it comes to the candidate experience, live video interviews are a must By conducting a live video interview, you are allowing the candidate the ability to landsee a piece of your companys culture and attitude. Things that a candidate will not be able to see over the phone will be able to be expressed in a video interview. Candidates will be impressed that you are allowing them to see this side of your company early on in the interview process.Video is having a huge impact on the candidate experience. You really dont want to miss out on this incredible resource.What are some other ways that video resumes or interviews might make an impact on your companys candidate experience? Please share your thoughts below.Image AndreyPopov/BigStock.com
Monday, December 30, 2019
Three Ways for Military Spouses to Find a Federal Job on a Military BaseThree Ways for Military Spouses to Find a Federal Job on a Military BaseThree Ways for Military Spouses to Find a Federal Job on a Military BaseBy Kathryn Troutman, Author, Ten Steps to a Federal Job, and former military spouseWould you like to have a job on a military cousine? How about having the knowledge that when your spouse receives new orders and you relocate, you could land another federal job that could possibly have promotion tauglichkeit and even a retirement? A federal job is the best employment possibility for a military spouse, because there are federal agencies and government jobs on or near every military base in the world However, landing your first federal job is very challenging.Most military spouses know about USAJOBS and will look there for federal jobs that might be in the geographic location of their next duty station. What many spouses do not know is that there are two other sources of fed eral jobs to consider. Check out the three options below for finding and applying for federal jobs.USAJOBSUSAJOBS.gov isthe official website for government jobs, managed by the Office of Personnel Management. Here you will find jobs for most federal agencies. This website is a great starting place for federal jobs in your geographic region as the search engine allows you to be very specific. You can even save your searches and have notifications sent right to you when there is an announcement that matches your interests The USAJOBS ordnungsprinzip is an online application, so you will be required to complete a profile, upload your documents, and add your resume to the USAJOBS builder. THEN you can apply for jobs. The USAJOBS system will also give you feedback and results for your federal job applications.Program SProgram S allows you to apply for Department of Defense (DoD) government civilian jobs on or near the military base where your spouse is stationed and where you live. You w ould need to register with the bases human resources office (HRO) to get on the Program S registry. You cannot register online. The human resources representative would put your resume into the Program S database and score your resume for the type of position and grade level that they see in your resume. Your resume has to be really good to get a high score and grade level acceptance, because there is NO vorstellungsgesprch process for these positions, so your resume really needs to sell YOU. Program S and USAJOBS work together. After you register on Program S, you would find a position on USAJOBS and apply for it. If you are found Best Qualified, you will be contacted by HRO. Program S is a bit complex, so you should contact your installations Civilian Personnel Advisory/Human Resources Center once you have orders for your new duty station, or within 2 years of your service members last accompanied PCS tour.NAF JobsNAF Jobs are Morale, Welfare, Recreation positions that support mil itary bases. The salaries and expenses of Non-Appropriated Funds (NAF) positions come from the fees and services provided by the morale and welfare programs and services on the base. NAF positions may or may not be listed on USAJOBS. These are government jobs that are funded by fees raised by the military base services, such as the bowling alley, food services, gym, pool, and other family and military member services for quality of life. These jobs pay as well as other government jobs. You can find NAF jobs listed on these websites. You would apply for these positions online at each of these sites. There is no central database for NAF jobs.Navy NAF Jobs www.navymwr.org/jobs/Air Force NAF Jobs www.nafjobs.org/about.aspxUS Marine Corps, MCCS Civilian Careers www.usmc-mccs.org/careers/.VO9w7_nF-tYUS Army Family and MWR Jobs www.armymwr.com/hr/employment.aspxUS Coast Guard NAF Center of Excellence Jobs www.uscg.mil/csc/naf.asp This post addresses these steps from the Ten Steps to a Fede ral JobStep 1 Review the Federal Job Hiring ProcessStep 3 Research Vacancy Announcements on USAJOBSStep 8 Write Your Outline Format and Paper Format Federal Resume Kathryn Troutman is known as the Federal Resume Guru and is the developer of the Ten Steps to a Federal Job. She teaches hundreds of career counselors each year about her highly acclaimed methods of federal job search and has published dozens of titles, including the recent award-winning Students Federal Career Guide 3rd Edition.
Wednesday, December 25, 2019
How to achieve Superman-level work-life balanceHow to achieve Superman-level work-life balanceYou are obviously leid Superman. Neither am I, nor are any of the people you know. Superman had those super powers that saved others and at the meantime, he had it well balanced in his private life, too. But, should you give up on platzdeckchenting this kind of balance for yourself?If you arent really a fictional superhero, should you give up on becoming a real one?A super work-life balance is indeed possible. In todays busy world when we are basically overwhelmed with our obligations, it is a relief to hear that there are actually ways to become your own Superman. Here are some great ideas that will help you maintain ahealthy work-life balance.1. Focus on Your Own Strengths Even Superman couldnt do all at once. We all have our traits and limitations, which means that we cannot be all things to everyone. Therefore, try topinpoint your own strengthsand use these to achieve some life and work balance.You may wonder how will my strengths help me achieve some balance?For example, take a look into your work actions. In order to impress the boss, you probably took over tasks you have no special skills or strengths in, and had to spend hours, days, or weeks to schliff them to prove your qualities.While this is good and can do wonders for your promotion chances, it can be very bad for your personal life. Spending all those hours working at the office and taking your work home cannot possibly be good for your relationship with the family and friends.Of course, you shouldnt stop trying at the workplace. This is the worst thing you can do. Instead, focus on your strengths and take challenges that are related to them. In this way, you will get to do a job you enjoy and are good at, which leaves you more time for your personal life.2. Prioritize the TimeIf you are struggling to juggle work and life, you surely have a myriad of tasks on your to-do-list. You then end up running aroun d trying to complete every task, and failing half of them because of the hurry.The trick in balancing your time is to prioritize. But, how do you prioritize the time?The truth is, this is just a figure of speech. We all have the same 24 hours every day, so you cannot really prioritize them. You get them regardless of your choices. Therefore, the task here is toprioritize your tasksand arrange them within the given timeframe.Take a look at your to-do-list. Then, create three key categories and set each of the tasks in the appropriate category. You should be looking atImportant and urgentNot important and urgentImportant and not urgentOf course, there will also be that category that includes tasks that are neither important nor urgent, but thats actually the easy part. Eliminate these from your to-do list immediately.As for the rest, go through the set order. In this way, you will be able to finish everything in time.3. Get Yourself Some Personal TimeYour personal time does not necess arily need to be the time you spend focused on your out-of-work obligations. As a matter of fact, taking some personal time should exclude those errands. Instead, you should do exactly what the idea suggests take time for yourself.For some people, personal time is time with their friends and family, where they do not think of work and simply enjoy a loving and fun day. For others, it is the alone time when no one speaks to them, asks them to do things, and basically, bothers them.When I get my day off, I spend it alone on the beach. My friends think I am weird because of this, but I find it to be perfectly normal. I handle peoples tasks and problems every single day, so I just need those couple hours when no one is talking to me and I can relax on my own says Irene Jackson, content writer atAussiewritings.com.4. Stick to Your Work HoursThe idea of set work hours are no coincidence there is a limit on how much a person can and should work to balance their life and health. Knowing this, you simply must stop working those extra hours and spend sleepless nights on your laptop or the desk in your office.If you do not learn tostick to the work hours, you will be working more than everyone in the office. This may be rewarding in the long run, but will most probably ruin your personal life.The strategy goes both ways. By limiting your work hours, you are also limiting your personal life hours. If you focus on work during work hours and on personal life during personal hours, you will have achieved the balance you aim for.5. Tap into TechnologyInstead of spending all that time flying across the country to go to a meeting, grasp technology at its best. With the advance in technology, you no longer have to drive two hours to a meeting, or fly to a different city to meet with an important client.There are many conferencing technologies and programs such as Skype that are not only efficient, but actually considered highly professional in the business world. At this poin t, everyone is so busy that they will actually value this idea, not consider it lazy or irresponsible.So, use technology to your advantage. This will help you set up meetings from the comfort of your own home (of course, you will have to dress appropriately and set the background), and save a lot of time otherwise spent on travelling.6. Make Exercise One of Your PrioritiesHealthy lifestyle is not something you should do, but something you must do. With all that stress and running around trying to juggle work and personal life, you need exercise more than ever.If you think you do not have the time to exercise, find it. Cross something else from your list, but always keep exercise in the top five tasks. Once you turn it into a regular routine, you will find that exercise keeps you energized to finish everything else, not to mention thebenefits for your health.Are you ready to start your Superman challenge? Go step by step and turn your life into a more balanced, healthier lifestyleThi s article was originally posted on Kununu.com.
Friday, December 20, 2019
What job applicants need to know about culture fit - EnhancvWhat job applicants need to know about culture fit - It all started with a Larry Kim tweet. The patron saint of internet marketers threw down the gauntlet and wrote that hiring for culture fit is the worst thing you can do.Now here at , were huge fans of company culture. Its been one of our greatest strengths as weve grown. So this felt a bit like a shot across the bow. With that in mind, I responded to Larry Kim, defending our beloved culture fit.And he shot right back. You can see the exchange below (or see the original on Twitter)Seeing how emphatic he welches in his disagreement, I decided to do a little digging to see if I might be missing something. Next thing I knew, my understanding of culture fit welches turned upside down. It slowly dawned on me Larry Kim was onto something.In the process, I realized that job applicants everywhere need to start keeping a keen eye out for people abusing the idea of culture fit. Late r on, Ill share some tips on how to do this.But culture fit is so awesomeHaving worked in places where I felt there was a strong company culture which I fit into as well as places where lets say that wasnt the case (looking at you US House of Representatives), I can say theres a massive difference. Theres the feeling of being part of a team, the joys of going on adventures as a company, and just getting to know your colleagues as an equal.After joining , this feeling was only reinforced. From the start, Ive felt that the company culture here is s greatest asset. Theres an attitude of constructive criticism, optimism, and openness that I genuinely love. So whats the problem with hiring someone who fits into that culture?when its done rightSo the answer to the above question is potentially, a lot. As in how much time do you have?Heres a brief overview. Lars Schmidt explained in Forbes In some organizations culture fit has become a weaponized phrase that interviewers use as a blanket t erm to reject candidates that dont match the hiring managers view of the ideal candidateOften the discrimination is not conscious. Professor Lauren Riviera at Northwesterns Kellogg School of Management points out that Interviewers look for a sense of connection, often seeking potential friends and playmates rather than those with the best work experience or job-relevant skills.Jon-Mark Sabel writing in Hirevue was a bit more blunt about the problem See, its illegal when applicants are screened out based on age, race, and gender but its not illegal to screen them out based on culture. If companys culture just so happens to be young, white, and male, whats to keep them from hiring for culture and screening out women and minorities?Clearly, the right company culture can be a tremendous benefit. But it also has the potential to build toxic, discriminatory monocultures. Question is, what can be done about it?Related articlesThe key to Leanplums epic growth? Company cultureChief Joy Offi cer A secret weapon of a successful businessStop with team building events, try a retreat insteadWhat job applicants can doObviously people doing the actual hiring need to change the way they consider culture fit, but I wanted to give some advice to job applicants regarding what they can do to make sure they dont face discrimination or get hired by a company that uses culture fit in the wrong way.First, do your researchTake a look at the companys blog, social media presence, website, really anywhere with information about them. How do they represent themselves and their values? Is it something limiting like were all into extreme sports or something more inclusive like were dedicated to maintaining a learners mindset in everything we do?Then check out their pictures. Does everyone look like theyre a similar age, race, culture, etc.? If so, it doesnt necessarily mean theyre discriminating in hiring, but its something worth asking about. Speaking of askingNext, ask questionsYou can act ually ask the person in charge of hiring whether they hire for culture fit and what that means to them. This is a great way to begin getting an idea of what a company believes about hiring and whether it might be a good place to work.Alternatively, try asking what the companys employees have in common, what binds them together. You can also try asking what the company is looking to add to or change about their company culture.If, however, you have an idea about what a company is looking to add to its culture before the interview stage, you should try adding elements to your resume to show how you will accomplish this. Go beyond the semanticsGetting back to Larry Kims tweet, while Ive come to fully agree with him on how problematic culture fit can be, I still have a point of contention. Ultimately, I think the culture fit vs culture add debate is overly focused on semantics. Whichever label you use, the substance is what matters. So whatever word you use, make sure company culture is about inclusivity and building a better company. When we put our focus there, everyone wins.Now this Check out our resume examples section that got people hired at their dream jobs.
Sunday, December 15, 2019
How to stop your payday splurge according to 4 expertsHow to stop your payday splurge according to 4 expertsDo you regularly find yourself with more month than money? Maybe its because of the lure of every payday, where you find your index finger yourself hovering over the Sephora app or whirling through another weekend of late-night drinks and early bzulaufch, putting a dent in your paycheck before youve even had the chance to buy groceries. We talked to four diverse money experts about how you can be more mindful when you get that twice-monthly nut. Heres how to squirrel it away and have strategies planned out beforehand before you hit click purchase or do anything you regret (or that isnt returnable.)April Lane Benson, Ph.D., psychologist andauthor of To Buy of Not to Buy Why We Overshop and How to StopThere are rules you can follow and adopt like commit to yourself that anything you put in your online shopping cart, youre going to give yourself a 24-hour waiting period. And if y oure worried about missing out on an item, its important to remember, a year from now, you will not remember what it is you missed out on. In the heat of the moment, you think the object is so much more important.Follow Ladders on FlipboardFollow Ladders magazines on Flipboard covering Happiness, Productivity, Job Satisfaction, Neuroscience, and moreI have people ask themselves six questions, and answer them preferably in writing before they make the purchase.Why am I here?How do I feel?Do I need this?What if I wait?How will I pay for it?Where will I put it?Why in writing? Because that gives it one more channel and one more delay.And if you still want to buy it after waiting 24 hours and going through this process, you do. Because youve thought it through. Even if its not the perfect purchase, its a step in the right direction.Jean Chatzky, NBC TODAY financial expert andauthor of Women with Money The Judgement-Free Guide to Creating the Joyful, Less Stressed, Purposeful (and Yes, Ri ch) Life You WantThe first step is to document where you are splurging on paydays. For a month, make careful note of what youre buying, because a lot of spending like this happens unconsciously. If you note where your money is going, then you have the opportunity to look backward, and decide if those particular splurges line up with your values and where you actually want your money to be going. And if they dont, that gives you some ammunition to start to change it.The second thing is to allocate a particular amount of your money for splurging. You know youre going to do it, you know you want to do it. Give yourself a splurge budget, so that when you spend, youre not doing something thats outside the lines, youre doing something thats planned.The final thing is to save. The other way to protect yourself from budget-busting is to fill those buckets in your budget that are non-negotiable and saving is one of them, preferably automatically.Kelly Crane, financial planner, Founder and Ch ief Investment Officer of Napa Valley Wealth ManagementOne of the ways you can deal with payday splurge thats pretty easy and can be built upon is if you have lets say your paycheck is deposited into your checking account. At that same institution, you have your savings account or money market thats linked to it. As soon as you get your deposit, the first thing you do is transfer some money or have it automatically taken from your checking to your savings. So thats your medium-term account, and the idea is to build that up to be a reserve, so if you have a problem, you have some cash available.But the thing that makes it work really well is that once you at least have a little bit of money in there, now you can have your longer-term investments come out of that account. You could then direct money on a regular basis to your IRAs or your other accounts like your 401k where youre trying to be a little more long-term.Stefanie OConnell, Millennial money expert andauthor of The Broke an d Beautiful LifeOne of the ways to avoid that pinch of having more month left than money, spending too much on payday, is knowing how much we typically spend so we know how much we actually need to fulfill our monthly cost of living.Using an app like Mint that really tracks your financial in-flows and outflows so you can see in real time where you stand with your money in the moment is invaluable. The more mindful you are about how much your cost of living is on a month-to-month basis, the more freedom youre going to have to spend the way that fulfills your needs without getting out of hand. Its only when you run out of money because you splurged on something that day you got paid that you start really feeling that stress and overwhelm. Whereas if you are being really diligent and tracking and staying mindful of the money on a day to day basis then you know exactly where you stand, and theres a sense of power and control in that feeling.Also, create visual reminders for big-picture goals. It can be anything from trying to get out of debt to going on a vacation to paying for a wedding to financing a childs education. Make that visual image part of your life. Make it the desktop background on your computer, your phone background. Print out a picture and put it in your wallet next to your credit cards, so that every time youre thinking about making a purchase, youre reminded of what that goal is.You might also enjoyNew neuroscience reveals 4 rituals that will make you happyStrangers know your social class in the first seven words you say, study finds10 lessons from Benjamin Franklins daily schedule that will ersatzdarsteller your productivityThe worst mistakes you can make in an interview, according to 12 CEOs10 habits of mentally strong people