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Startups need these Five Types of Employees

Startups need these Five Types of Employees

The success of any startup company is based on their creativity, their direction and the strategies that they can apply to consolidate in the market. Nevertheless, there are some very important aspects for the growth and success of businesses or emerging startups: the employees. For this reason, and many others we must know and understand the fact that there are several kinds of employees in the market, and here is a list of five of them, you should have in your company in order to achieve as much success as possible.

1. The challenger

Having employees that fully support the decisions of the high ranks is a benefit for the harmony of the company. Still, a certain amount of defiance or contradiction is always needed to improve the decision-making process in an startup company.

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In this matter, comes the challenger. This type of employee who oversees talking and challenging the state and direction in which the startup company is or is going. These persons show personality and own thinking that will touch you, and of which will bring a lot of advantage and support for your new business. We all need to work in the reality and our own employees can help us to stay in it.

2. The optimist

Every startup company or business will have bad experiences and failures, for which they need a person who fights until the end and never lets go. We are talking about the optimist, a person that always finds a silver lining in the worst situations.

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In many occasions the problems will generate a negative impact on the employee’s morale, that can lead to low levels in productivity. The optimist will take care of keeping afloat its work companions making them look at the good things, his main function is to encourage teammates so the company has a positive attitude.

3. The multitasker

The owners of startup companies need a team that is capable to fulfill different roles in the company. A multitask employee will allow a business to reach goals, to deal with plenty of situations of different kinds and to make the rest of the staff believe that it is actually a very competitive place to work. The multi-functional employee takes care of this, he or she can help in what is needed right now and is a necessary requirement for every emerging startup. This type of employee is ideal to lead teams at work and to have delegated functions in the office.

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4. The seeker of knowledge

There are employees who feel a great passion for their job and are always desiring to learn more each day. The seeker of knowledge is never satisfied, takes extra courses and studies major degrees. They are natural lifelong learners, motivated by a combination of curiosity and a deep desire for personal and professional growth.

This attitude is beneficial for your startup company and can be contagious. Besides, this kind of employee is usually on top of every technological advances and tendencies, so they keep their coworkers up to date and can even motivate all employees to have this kind of passion .

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5. The mentor

In many occasions, we hire staff without a lot of experience and this can hurt and increase the cost of running our business, if we don’t have a developing program or prepare the staff. In this moment, the mentor shines, and becomes a business saver. This character takes care of transmitting all his learned knowledge to the new employees of your startup company.

Knowing now that employees are a very important part of your startup business – which do you think are the perfect employee roles that your business has?

Featured photo credit: Alejandru Escamilla via unsplash.com

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Last Updated on June 22, 2018

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider consolidating multiple credit cards if possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to pay the full balance you spent each month at the very least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay extra when you can – every small amount counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a plan on how to pay extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out costs for services you do not use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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6. Get aggressive about it

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate your progress at set intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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Finally (and most importantly)…

8. Keep trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start knocking out your debt today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

Featured photo credit: Pexels via pexels.com

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