#money. health. transportation. scheduling. other obligations. just do whatever works for you.

[torchickentacos]

congrats on the semester!! what was miss taylor's taco bell order...? or if you'd rather not reveal, favorite menu item?

THANK YOU!!! ❤️❤️❤️ I like the crunchwrap supreme, and they brought back the caramel apple empanada so that too while it's here. I'm really not much of a fast food person tbh, but taco bell is my weakness. I go to the same one that my mom did in the eighties lol. It's like family tradition at this point.

[rafaelqrab787-blog]

Eliminate Credit Card Debt - Proven Steps to Secure a Favorable Debt Negotiation Deal

"All types of endeavors that started with a strategy have more opportunities of prospering - that is if you stay true to it. That being said, any type of financial obligation relief plan must always include a payment plan. Whether you choose to get the help of a professional specialist or you will be dealing with your debts alone, this is a plan that you need to craft and follow vigilantly. You can really begin this on your own and eventually when you have the plan completed, you can choose if you want assistance or not.

It likewise needs to be noted that there is a thin line in between a payment plan and a budget plan. In impact, your payment strategy begins out with a budget strategy.

Like any plan, begin with by developing your objectives. Obviously, the supreme goal is to get a debt-free life but it helps to have little objectives along the way to boost your debt paying morale. This suggests you have to establish a payment schedule within your payment plan. The information will be plotted as soon as you have started writing your real plan but for now, merely choose how you desire your debts to be paid - your top priorities, what requires immediate payment and so on. You can choose to spend for the one with the most affordable outstanding balance first or the financial obligation with the highest interest rate.

When you have that in mind, create a stand out sheet (or you can use the conventional method of writing it down on paper). Review all your personal accounts: earnings, expenses, and financial obligations. You need to note the amount of cash can be found in. This includes your regular monthly income, constant financial backing (alimony, retirement benefit, etc) and other fixed cash inflow that you are particular you will receive a pacific national funding reviews month on month. After that, list all your expenses - food, groceries, transport allowance, health insurance coverage, kid support (if any) and other costs that will pay for your fundamental needs. You can place both income and expenses on one sheet.

When you have all the details plotted, it is time to discover just how much you can manage to designate for your debts. Take the income and subtract your expenditures from that. The difference is the money that you have. If you develop an unfavorable amount, you require to deal with increasing your income. That can be done through a part-time job (online freelancing or another physical job) or by selling things that you do not need. You can likewise decide to conserve more by lowering your total expenditures. If it is a positive amount, get a little part to save for your emergency fund. Whatever is left will be for your financial obligations. In essence, you are crafting a budget plan that you require to follow while you are paying off your debts.

The next phase is the core of your payment plan. Plot the information of your debts on a separate sheet. List the lenders, quantity you owe, amount you have actually paid for, interest rate and the staying balance. After all of these details, put two columns that will show the minimum payment requirement and the monthly amount that you will allot for that financial http://query.nytimes.com/search/sitesearch/?action=click&contentCollection&region=TopBar&WT.nav=searchWidget&module=SearchSubmit&pgtype=Homepage#/https://www.thebalance.com/best-debt-consolidation-loans-4175125 obligation. The really last column can be left blank in the meantime. Organize them according to the priority debt to the least priority.

The staying quantity (extra cash from your budget plan) will then be compared to the total minimum monthly payment. If the quantity can cover for the minimum requirement, you have no issues. You can simply assign per financial obligation and any additional will be put on your concern financial obligations so you get to pay more and finish them earlier.

However if your additional money is insufficient, you need to choose what form of financial obligation relief applies in your case. You can go with a debt settlement or a basic credit counselling. At this point, you may choose to employ the assistance of a professional or you can continue working on your own.

Your payment plan is produced to help you stay with your monetary abilities and keep track of the development of your financial obligation relief efforts. This ought to be completed with a schedule so you do not miss out on out on any due dates."

[vmedley90]

Presenteeism in the Workplace

So, I found out that showing up to work with a fever actually has a name. It’s called Presenteeism. It’s a phenomena that has become quite the buzz in the business world. As companies struggle to find ways to prevent absenteeism, they have found that presenteeism is just as rampant of an issue and maybe even a worse problem. Understand, presenteeism has a direct effect on the health of workers and health costs to businesses. In most cases, workers come to work with infectious diseases and viruses that can easily cause a whole department to take ill. In the worst cases, however, it can be the reason people end up with stage four cancer instead of stage two or three. They just kept pushing, slugging away at work projects despite feeling less than 100% and their issue grows from a mole hill into a mountain. Additionally, research has shown a link between BMI, obesity, productivity with higher BMI being negatively correlated with productivity. 

What this means is, the higher your BMI, the less productive you are at work. This could be for a number of different reasons and I’ll let you research those reasons on your own but think about that for a second. Most people gain weight due to hormones, overeating, and not enough physical activities. Most folks say that they don’t have time to eat better or to work out or to do what they have to do to balance their hormones (meditation, de-stress, doctor visits, better food, etc.) Why do people not have time to do these things? Family and work, I’d wager with work being the main reason. So, you can’t care for yourself because of your obligations but because you’re not caring for yourself, you can’t attend to your obligations with 100% of yourself. Where does it end?

So why do people do this? Why show up to work in such a deplorable state, healthwise, that you risk making yourself even sicker and having even more issues in the future? Well, some do it because they want to meet or exceed the expectations of their superiors and their coworkers. Others do it because they don’t want to fall behind. Still, others do it because they believe they can’t afford to NOT go. Maybe they don’t have the time saved up at work, or they are saving it for something more serious, or they can’t afford to have short check. Me? I did it because it was the thing to do I guess. Everyone else showed up, so I figured I needed to do the same. I’ve gone to work sick. With fever. With staples from surgery. Unable to eat. So tired I feel asleep at my desk. So stressed I read the same email three times. So anxious I had to stop every hour to meditate and ground myself. I’ve cried all the way to work, sat in the parking lot and put on make up to cover it. Regardless, I showed up. 

Completing my practicum though showed me a different way to live. It felt odd at first- then I embraced. Taking time. Giving yourself time. For psychologists, its unethical to show up anyway but 100%. Your clients will be collateral damage if you don’t. I had to learn to be mindful and realistic about my work performance given whatever my current state was, and then adjust my work schedule accordingly. Now, I will stand for nothing less and I’m really not concerned about the consequences. I had to ask myself, “ do I really want to work in a place where I can’t take a day off if and when I need to?”. NO; no, I do not. It’s toxic. It’s suicide. A lot of people are committing suicide by work and it shows. 

On heels of the celebration of our wedding, today’s my birthday. It is also the eve of me re-entering the workforce after 7 or 8 months of pure, blissful rest and relaxation and reflection. At first I lamented my situation- its hard to work when you don’t steady transportation. Then I accepted it- being a housewife has its fun moments. I can study for my licensing exam at my leisure; exercise as much as I want; eat whatever I want; wear whatever I want; watch whatever I want when I want; and drink beer for breakfast without restraint. Now, I don’t drink beer for breakfast but I could and not be worried about how it would affect my day. I think every couple should experience this at least once! But as always, I got bored and desired more from this whole experience of living in Germany. So I’m going back to work. A standard 9 to 5 deal that will allow me to work enough to save up for a car; add a line on my resume; use my degree and training a little; and just generally give me something to do. It’ll also finance my travel which is of the UTMOST importance.

But this time I’m doing things differently. I have a part-time instructorship with a local college. I’m engaged with a few other “money-making” ventures also. None of these have paid me yet but they will eventually and when they do, I’m saving differently, spending differently, and relaxing differently. Most importantly, I’m thinking differently. I no longer feel bound to just SHOW UP because I’ve realized the hard way that my health and self-care is tantamount to any job. If I have to give up one of these sources of income or if I’m let go from any of them, I have back up plans. If I feel the need to provide radical self-care for my physical and mental health, I’m shutting it all down and doing what I need to do. If my employers take issue with this, well, they can fire me or I can quit. Either way, I’m standing steadfast in this freedom and ending my practice of presenteeism and I encourage you to do the same. 

1) https://s3.amazonaws.com/academia.edu.documents/41731858/Obesity_and_presenteeism_the_impact_of_b20160129-1720-1okceva.pdf?AWSAccessKeyId=AKIAIWOWYYGZ2Y53UL3A&Expires=1555632091&Signature=rGYo4DYbP6zmBF3lUlSbPTgMFFA%3D&response-content-disposition=inline%3B%20filename%3DObesity_and_Presenteeism_The_Impact_of_B.pdf