What you should do after paying off debt

What you should do after paying off debtWhat you should do after paying off debtCongratulations You paid off some or all of your debt I bet it felt like this day would never come. But you stuck to it, you made sacrifices, and you reached your goal. But you might be wondering what you should (or shouldnt) do next. And this point in time is actually really important, because it could determine whether you stay out of debt or whether you end up back in debt later. So here are some basics for what to do now.Stop Using Your Credit CardsIf its credit card debt youve paid off, this is the most important thing to do afterwards. After paying off credit card debt, it can be easy to start racking up that debt again. This is a dangerous cycle to get trapped in. If youve struggled with overspending and credit card debt in the past, do yourself a favor and stop using your credit cards all together.Set up a budgetbased on your income and expenses and use cash or debit only. It might feel limiting o r scary at first, but this will protect you from going back into debt after working so hard to get out of it. If you need to cut up your cards to stop yourself from using them, do it And make sure to remove your credit card information from online shopping portals like Amazon.Keep Your Credit Card Accounts OpenJust because youve paid off your debt and stopped using credit cards doesnt mean you have to close your accounts. The length of your credit history and the credit limit available to you is really helpful to yourcredit score. And your credit score is important when it comes to future financial decisions like buying a car or a home. So even if youre going to stop using your credit cards, keep the accounts themselves open so that they can help improve your credit score. If you dont want the temptation of the cards, cut them up or give them to a trusted friend to lock away. They can be open even if they arent available to youIf youre worried about your credit company closing your account and hurting your credit, set up your credit card to pay for a small recurring payment, like your Netflix account. Be sure to also set up auto-pay so you dont forget about it and get charged late fees and interest This is an easy way to keep your accounts active without actually using them day-to-day.Revisit Your BudgetYou should revisit your budget every couple months or so to make sure its stillworking for you. But this is especially important to do when youve had a big financial change happen. This can be a pay increase, decrease, a new expense, or when youve paid off a debt. Now that youve paid off a portion (or all) of your debt, its a good time to revisit yourbudgetand see how you can adjust things accordingly.Figure out exactly what bills you have to pay each month (andthroughout the year) now that you dont have your debt. If you have another debt that you want to start working to pay off, move the money that welches going towards your past debt to that other debt. Inc reasing the monthly payments will allow you to pay off the debt faster. If you dont have another debt to work towards, decide where you want that money to go. It can be tempting to start spending more, but it will be more rewarding (both financially and emotionally) to align your money with yourvaluesand set yourself up for success later.Allocate That Money Towards Your GoalsNow that youve paid off your debt, you have much more money available to you to use for anything you want. But be careful not to just start spending all of that money every month. Its really easy to start spending the money without thinking about it, but you should stop yourself before you do that. Youve lived without that money while paying off your debt, so what can you put it towards now that will help you? The best opportunity here is to start putting it into savings. This can be an emergency savings account or retirement savings. This is especially important if you havent been able to save for these things up until now. Automate the savings so that you arent tempted to spend the money now that its in your accountThis article welches originally posted on MaggieGermano.com.MaggieGermanois a feminist and financial coach for women. She helps women improve their relationship with money so they can take control of their financial future. She does this through one-on-one financial coaching, workshops, writing, and speaking engagements. She also foundedMoney Circle, which is a safe space for women to talk about money without feeling judged. Its a way to create community and openness around personal finance. Passionate about many issues affecting women,Maggieis a member of theWomens Information Networkand was trained as a salary negotiation facilitator byAAUW.

Report Employees who like their workspace are 16% more productive

Report Employees who like their workspace are 16% more productiveReport Employees who like their workspace are 16% more productiveWhere you work literally is everything. According to a study by Gartner, a research and advisory company, employees who are satisfied with their physical workspace are 16% more productive and 18% more likely to stay with their current company. In fact, workers who like their workspace setup whether its an ergonomic desk, the perfect amount of quiet, or the ability to go somewhere to concentrate when they need to are 30% more attracted to their company over competitors.Its the agile amtsstube that is the office of the future, says Zach Capers, senior content analyst ofGetApp. And that doesnt exactly mean the open office theagile office is a flexible work environment composed of several distinct spaces that meet the needs of various work styles, he says. Essentially, its a space broken up into zones for workers various needs throughout the day be it pl aces for quiet, places for collaboration, places to gather publicly, and so on.It strikes a balance between individual and collaborative spaces that allow employees to work in the manner they prefer, says Capers. This means individual workstations and collaborative desk clumps along with common areas and quiet zones. And hot desking, the next inevitable trend.Think of workspace design agility as the next logical step up from the open office theres still the same increased interaction, but the agile office resolves its most glaring problems, such as distraction and a lack of privacy, says Capers.Its the long-coming evolution of the dreaded chaos of open office life into something more regulated, a place thats saner and more adaptive to more employees needs. And if your company builds a huddle room or a phone booth, you may not even have to take your phone calls outside anymore.

12 Tips for Dealing With a Boss Playing Favorites - The Muse

12 Tips for Dealing With a Boss Playing Favorites - The Muse12 Tips for Dealing With a Boss Playing FavoritesMy sister-in-law, a lovely woman and former elementary school teacher, once confided in me that all teachers have favorites. The key is not showing it. Judging from the afternoon I spent with her and her class of six-year-olds several years ago, she did an excellent job of hiding her favoritism. I had no idea Curtis was her pride and joy Unfortunately, not everyones so stealthy. Workplace favoritism is real. And it is rough. How can you do your job when your anfhrer is buddy-buddy with your cube-mate and barely friendly to you? Ive had mora than one manager play favorites, and Id say neglect is right up there with rejection in terms of feeling low and worthless. Finding yourself in a position where youre not favored (though, being the star employee isnt without its problems, either)- especially if it limits your success at a company or in a position- is bad news for your caree r. If your supervisor isnt professional enough to put her preferences aside, assuming you and your colleagues are equally competent and diligent, youve got to know how to manage the situation. For help in navigating this tricky workplace scenario, I reached out to several Muse Career Coaches, and their advice is spot-on. 1. Behave NormallyAct as if your anfhrer is not playing favorites. The worst thing to do is react in such a way that puts you on your boss bad side. Assumptions can be deadly While you may believe youre not the favorite team member, that doesnt necessarily make you the least favorite either. Avoid becoming your boss least favorite by reacting negatively to your managers behavior. Avery Blank 2. Improve YourselfThe best you can do with any boss is clarify what he or she expects, do your best to deliver, and get feedback regularly. Focus on doing good work and improving yourself. Bad boss behaviors are usually noticed by others trust that good companies have manageme nt systems in place to catch and correct these situations.Bruce Eckfeldt 3. Self-PromoteUnderstand the unique role you play on the team, and go the extra mile to act professional, thorough, and eingabeaufforderung in all deliveries. Advocate for yourself by requesting meetings, proposing new ideas for the team, and demonstrating respect and appreciation for your boss. Dont allow yourself to get distracted by feelings of neglect, which will only hold you back. Ashley Crouch 4. Take ControlMake your ambitions known to your boss using clear, straightforward communication My intention is to receive a promotion this year. The project Sarah has been assigned to is the type of work Id like to be doing. What can I do to set myself up to be selected for similar assignments in the near future? Melody Wilding 5. Emulate Your BossWhen I was put on a performance improvement plan and felt like my every action was being monitored and judged, I emulated my boss work style as best as possible and ac ted pre-emptively. For example, I worked in sales, and before my boss could ask me how many meetings I had booked for the week, I had already sent her an email letting her know what my week looked like. Rajiv Nathan 6. Toss Aside EmotionWhen a boss plays favorites, it usually strikes an emotional chord in us. Emotions cloud our vision- especially in the workplace. Take your emotional blinders off, and strategically evaluate the favorite to see if theres anything he or she is doing exceptionally well that you too can implement. No one said a boss cant have more than one favorite. Melody Godfred 7. Build the RelationshipContinue to do excellent, high-quality work and build a relationship with your boss. Work on building a rapport and be confident in your abilities without needing someone elses constant approval. Anna Runyan 8. Find a ratgeberMentors can help you explore other avenues within the organization and find the best fit for your skill set. And, if your mentor can relate, he o r she can hopefully guide you toward honing in on your skills, and coach you on how to best get noticed by your boss and other leaders within the organization.Allison Tatios 9. Take the High RoadBadmouthing the boss or your co-workers wont help and could make matters worse. Any signs of anger or bitterness will reflect badly on you. If there are projects or assignments that interest you, take the time to speak to your supervisor about why you should take them on, instead of stewing in the less-than-ideal situation. Heidi Ravis 10. Maintain a Neutral AttitudeBe consistent about performing at your best with a neutral attitude (you dont want to be desperate or a brown-noser). Find a point of connection (e.g., shared personal interests, things in common), and try to cultivate it to generate more favorable attention, help you stand out, and, ultimately, improve the situation. Kristina Leonardi 11. Do Your ResearchBefore you discuss the situation with your boss or HR, think carefully abou t whats going on, and consider getting candid feedback from your peers. Why are you being overlooked? What are the other employees doing differently? Dont lose your cool and speak badly about your perceived favorites rather, listen with an open mind so that the conversations leave you with actionable outcomes.Ryan Kahn 12. Ask for a FavorAsk for a small, easy-to-deliver favor. The Benjamin Franklin Effect says that if someone does a favor for you, he or she will feel more favorably toward you as a result. Our brains like to justify our behaviors, so when your supervisor does a favor for you, her subconscious will convince her that she did the favor for you because she likes you. Kindness toward others makes people feel good about themselves as well, so your favor will be a double whammy Shell feel better about herself, and about you. Elena BerezovskyAND IF IT STILL DOESNT GET BETTER?Our coaches can help you plan your next career move.MEET OUR JOB SEARCH COACHES

12 terrible things that could happen if you dont do your taxes

12 terrible things that could happen if you dont do your taxes12 terrible things that could happen if you dont do your taxesTax seasonis right around the corner.If you dont file and pay your taxes, the things that could happen to you may cause far more than a headache.Julius Green, tax partner and leader ofBaker Tillys tax practice in the Philadelphia region, explained to Business Insider the potential consequences of letting the deadline come and go without filing.Granted, you arent guaranteed to suffer behauptung consequences, and everyones tax situation is different, but here are a dozen terrible things thatcouldhappen if you dont do your taxes.Pay a penalty feeThere are two kinds of not doing your taxes - failing to file and failing to pay. If you fail to file, you get hit with a penalty of 5% of the tax owed, up to five months out, with a minimum penalty of $135, or as much as 100% of the tax owed - whichever is less, Green says. If you dont pay, he continues, youre typically charged a penalty, plus youll have to Pay interestStatutorily, the IRS cant waive interest, explains Green. They want the time value of the money you owe them. If you fail to pay, you may be paying a penaltyplusinterest, which is usually determined by thefederal short-term rate(anywhere from 1%-4%), plus 3%, for a total of 4%-6%.Get notices from the IRSIts probably fair to assume that no one wants mail from the IRS. But if you dont file or dont pay, thats exactly what could happen. The IRS gives you multiple opportunities to get it right, says Green. They have to send you a notice before taking any action, and usually they need a response in 30-60 days. But many people in this situation know its coming, so they panic when they get their notice and shove it in a drawer to deal with when they have the money.But heres the thing Whether you have the money or not, if you dont reach out to the IRS upon receiving a notice, they could start taking action. What kind of action? Well, they can make you Forfeit your refundIt makes sense when you think about it. If you owe the IRS money, the agency is not going to hand over any until you pay. For example, if you didnt file taxes in 2014 and the IRS is after you, but you did file for 2015 and are due a refund, you may never see that money. The IRS could simply hold onto it. They can also make you Give up your Social SecurityThrough whats called the Federal Payment Levy Program, the IRS has the ability to attack certain assets after going through the appropriate notification process, explains Green. While they cant inhibit your ability to earn money, take your work tools, or appropriate certain benefits like those paid to your children, Social Security is one thing they can seize.It sounds technical, but basically, a lien is a claim the IRS makes to your property. This claim, however, isnt another notice you can shove in a drawer. According toIRS Publication 594, a lien is a public declaration of the agencys claim to your pr operty in relation to your other leistungspunktors. Not only may it be filed to employers, landlords, and creditors, but the lien can make you Lose ground on your credit reportAn unpaid debt to the IRS is just like an unpaid debt to anyone else, and it will appear on your credit report. People dont realize that your credit report reflects your tax liens as much as any other outstanding debt, says Green. We wont even pretend that it could be considered good debt.A lien is a claim to your property a levy is the actual taking of it.IRS Publication 594makes it clear that in some cases, the agency can appropriate your house or car, not to mention your income or bank account.They might restrain themselves if its agreed that youre suffering economic hardship, which means their seizure would hinder your ability to meet basic, reasonable living expenses. Plus, the publication reads, If theres money left over from the sale of your assets after paying off your tax debt, well tell you how to ge t a refund. Make of that what you will.Receive a summonsIf the IRS is having trouble sorting out the taxes you owe, you could get a summons - thats a legal requirement to appear - to meet with an IRS officer, and bring appropriate records, documents, and possibly even testify.It wont necessarily be you who is asked to meet with the agency A third party with information relevant to your case, such as a record keeper from a financial institution, could be summoned instead. If the IRS is simply gathering info, youll be informed of the third-party summons, but if its in reference to money its already clear you owe, you might not even find out.Declare bankruptcyLets hope it doesnt come to this. People who might declare bankruptcy are the people who couldnt pay their taxes because they couldnt afford to pay their mortgage or expenses and get caught in a bit of a bind, explains Green. Usually its people who are caught for three or four years not filing, spending the money they didnt pay the IRS on things to try and stay above water.Remember that bankruptcy isnt magic While in certain cases, a tax debt can be discharged, if it has turned into a tax lien, it might not be erased. Instead, clarifies Green, the IRS will generally suspend the debt and seek to collect it after bankruptcy.Serve jail timeWhile jail is unusual for most well-meaning citizens, it is a possibility. If the government deems that youve willfully failed to file or filed fraudulent returns, they could see it as an attempt to defraud the government, says Green. In cases where jail time becomes an issue, you typically see two things a lot of income being hidden from the IRS, and a pattern or some evidence of wrongdoing. Unless youre a dishonest high roller, its unlikely that the IRS will pursue a jail sentence.Deal with the IRS for a decadeDid we mention that the government has the right to pursue unpaid taxes for 10 years? While there are certain appeals and exceptions for individual cases, if youve been a negligent taxpayer (or rather,non-taxpayer) you can look forward to a long and close relationship with the IRS.However, theres hopeThe absolute best thing you can do if youve neglected to file or pay, says Green, is reach out to the IRS immediately. It may seem counterintuitive, but the agency is more likely to look kindly on someone who admits theyre off track and wants to work it out than someone who has been lining the litter box with their notices. You may be able to negotiate a payment plan or even a reduction of the total owed.You shouldnt panic upon getting a notice from the IRS, says Green. There is some recourse, but your options are more limited the longer you wait to engage.This article was originally posted on BusinessInsider.

Resume Template Reddit Explained

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The Debate Over Download Resume

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