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How To Be Fun And Happy Even If You’re Broke

How To Be Fun And Happy Even If You’re Broke

Let’s face it, we all have different ideas of what being broke means. For most of us, having nothing left in the bank account until the next payday is usually pretty close. I’ve been broke most of my adult life but with a bunch of kids and a sled dog team, that doesn’t surprise me — or hurt my feelings anymore.

It’s hard to see celebrities on TV and think of the lives they have that we likely won’t – ever. But does it matter? Sure, there are some great rags to riches stories, but you can have as much fun and happiness being broke as not.

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Being broke is more a state of mind than an actual issue and if you start to look at it that way, you can overcome any anxiety or stress you have about being broke and have fun and be happy anyway.

Look at what you have.

Are you really broke? Like living in your car or at a homeless shelter broke? If so, it’s probably going to be harder to feel better about what you have. But if you’re not, then really look around. Is your electricity on? Do you have food in the fridge? Enough gas in the car to get to work? Clothes to wear? If so, then relax and remember that a lot of people in a lot of places in the world would consider this to be a sign of wealth. Smile because you and your family are well taken care of. And if you’re struggling to put a meal on the table, then seek out help at a local church or food bank.

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Do fun, cheap stuff.

There are lots of things you can do without needing any money. You can camp out with the kids in your backyard. You can have awesome sex without needing a dime (assuming you have a partner already). You can read a book from the library — or three. You can borrow movies from the library. Cook something awesome out of stuff you have in your pantry. Play board games. Get on with your life. You don’t need money to pursue your dreams. Find the steps you can take to getting towards your goal that don’t require money. Exercise. Exercise always makes you feel better — and you don’t need money to do it.

Don’t stress about bills.

I used to have horrible anxiety. As a teenager, I would wake up in the middle of the night freaking out in a cold sweat over algebra class homework I hadn’t done. As I got older, my stresses became the phone bill or electric bill I couldn’t pay. What I’ve learned through the years is that even if the phone gets turned off (and it has a couple of times) or the electric gets turned off (and it did once), you can’t let it take over your life. If you and your family are safe and secure with enough to eat, sometimes that has to be good enough. Be upfront with those to whom you owe money and let them know when you can pay a bill. Try and negotiate smaller payments. If you have kids, try to be normal about abnormal things. If the electricity is off – cook outside. It’s hard to not freak out when stuff like this happens, but trying to be cheerful through hard times can make them more bearable.

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Be rich in mindset.

It’s important to understand that a lot of rich people aren’t really rich. In fact, you might think that they have money simply by how they act when in fact they might be as broke as you. People who are actually wealthy (in cash) might act stressed and frazzled, proving that being rich with cash may not be the best thing for everyone. Practice being appreciative of what you have and acting rich despite your circumstances. Be grateful for small things and not miserly in spirit. People who grouse all the time about having money, not having money or how much things cost regardless of how much money they have are boring. Period.

Stop acting like a broke person and be rich in spirit. If you truly desire wealth, then work towards that but don’t miss the little opportunities to appreciate your family at the same time. Be happy with what you have no matter what your circumstances and learn to live within your means.

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Laugh more, worry less. If the electricity is off (well, then you’re probably not reading this article), then make the best of it — especially if you can’t fix it any time soon. Do what you can with what you have and be happy about it. Life is too short to grouse about money.

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Published on November 8, 2018

How to Answer the Tough Question: What are Your Salary Requirements?

How to Answer the Tough Question: What are Your Salary Requirements?

After a few months of hard work and dozens of phone calls later, you finally land a job opportunity.

But then, you’re asked about your salary requirements and your mind goes blank. So, you offer a lower salary believing this will increase your odds at getting hired.

Unfortunately, this is the wrong approach.

Your salary requirements can make or break your odds at getting hired. But only if you’re not prepared.

Ask for a salary too high with no room for negotiation and your potential employer will not be able to afford you. Aim too low and employers will perceive as you offering low value. The trick is to aim as high as possible while keeping both parties feel happy.

Of course, you can’t command a high price without bringing value.

The good news is that learning how to be a high-value employee is possible. You have to work on the right tasks to grow in the right areas. Here are a few tactics to negotiate your salary requirements with confidence.

1. Hack time to accomplish more than most

Do you want to get paid well for your hard work? Of course you do. I hate to break it to you, but so do most people.

With so much competition, this won’t be an easy task to achieve. That’s why you need to become a pro at time management.

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Do you know how much free time you have? Not the free time during your lunch break or after you’ve finished working at your day job. Rather, the free time when you’re looking at your phone or watching your favorite TV show.

Data from 2017 shows that Americans spend roughly 3 hours watching TV. This is time poorly spent if you’re not happy with your current lifestyle. Instead, focus on working on your goals whenever you have free time.

For example, if your commute to/from work is 1 hour, listen to an educational Podcast. If your lunch break is 30 minutes, read for 10 to 15 minutes. And if you have a busy life with only 30–60 minutes to spare after work, use this time to work on your personal goals.

Create a morning routine that will set you up for success every day. Start waking up 1 to 2 hours earlier to have more time to work on your most important tasks. Use tools like ATracker to break down which activities you’re spending the most time in.

It won’t be easy to analyze your entire day, so set boundaries. For example, if you have 4 hours of free time each day, spend at least 2 of these hours working on important tasks.

2. Set your own boundaries

Having a successful career isn’t always about the money. According to Gallup, about 70% of employees aren’t satisfied with their current jobs.[1]

Earning more money isn’t a bad thing, but choosing a higher salary over the traits that are the most important to you is. For example, if you enjoy spending time with your family, reject job offers requiring a lot of travel.

Here are some important traits to consider:

  • Work and life balance – The last thing you’d want is a job that forces you to work 60+ hours each week. Unless this is the type of environment you’d want. Understand how your potential employer emphasizes work/life balance.
  • Self-development opportunities – Having the option to grow within your company is important. Once you learn how to do your tasks well, you’ll start becoming less engaged. Choose a company that encourages employee growth.
  • Company culture – The stereotypical cubicle job where one feels miserable doesn’t have to be your fate. Not all companies are equal in culture. Take, for example, Google, who invests heavily in keeping their employees happy.[2]

These are some of the most important traits to look for in a company, but there are others. Make it your mission to rank which traits are important to you. This way you’ll stop applying to the wrong companies and stay focused on what matters to you more.

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3. Continuously invest in yourself

Investing in yourself is the best investment you can make. Cliche I know, but true nonetheless.

You’ll grow as a person and gain confidence with the value you’ll be able to bring to others. Investing in yourself doesn’t have to be expensive. For example, you can read books to expand your knowledge in different fields.

Don’t get stuck into the habit of reading without a purpose. Instead, choose books that will help you expand in a field you’re looking to grow. At the same time, don’t limit yourself to reading books in one subject–create a healthy balance.

Podcasts are also a great medium to learn new subjects from experts in different fields. The best part is they’re free and you can consume them on your commute to/from work.

Paid education makes sense if you have little to no debt. If you decide to go back to school, be sure to apply for scholarships and grants to have the least amount of debt. Regardless of which route you take to make it a habit to grow every day.

It won’t be easy, but this will work to your advantage. Most people won’t spend most of their free time investing in themselves. This will allow you to grow faster than most, and stand out from your competition.

4. Document the value you bring

Resumes are a common way companies filter employees through the hiring process. Here’s the big secret: It’s not the only way you can showcase your skills.

To request for a higher salary than most, you have to do what most are unwilling to do. Since you’re already investing in yourself, make it a habit to showcase your skills online.

A great way to do this is to create your own website. Pick your first and last name as your domain name. If this domain is already taken, get creative and choose one that makes sense.

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Here are some ideas:

  • joesmith.com
  • joeasmith.com
  • joesmithprojects.com

Nowadays, building a website is easy. Once you have your website setup, begin producing content. For example, if you a developer you can post the applications you’re building.

During your interviews, you’ll have an online reference to showcase your accomplishments. You can use your accomplishments to justify your salary requirements. Since most people don’t do this, you’ll have a higher chance of employers accepting your offer

5. Hide your salary requirements

Avoid giving you salary requirements early in the interview process.

But if you get asked early, deflect this question in a non-defensive manner. Explain to the employer that you’d like to understand your role better first. They’ll most likely agree with you; but if they don’t, give them a range.

The truth is great employers are more concerned about your skills and the value you bring to the company. They understand that a great employee is an investment, able to earn them more than their salary.

Remember that a job interview isn’t only for the employer, it’s also for you. If the employer is more interested in your salary requirements, this may not be a good sign. Use this question to gauge if the company you’re interviewing is worth working for.

6. Do just enough research

Research average salary compensation in your industry, then wing it.

Use tools like Glassdoor to research the average salary compensation for your industry. Then leverage LinkedIn’s company data that’s provided with its Pro membership. You can view a company’s employee growth and the total number of job openings.

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Use this information to make informed decisions when deciding on your salary requirements. But don’t limit yourself to the average salary range. Companies will usually pay you more for the value you have.

Big companies will often pay more than smaller ones.[3] Whatever your desired salary amount is, always ask for a higher amount. Employers will often reject your initial offer. In fact, offer a salary range that’ll give you and your employer enough room to negotiate.

7. Get compensated by your value

Asking for the salary you deserve is an art. On one end, you have to constantly invest in yourself to offer massive value. But this isn’t enough. You also have to become a great negotiator.

Imagine requesting a high salary and because you bring a lot of value, employers are willing to pay you this. Wouldn’t this be amazing?

Most settle for average because they’re not confident with what they have to offer. Most don’t invest in themselves because they’re not dedicated enough. But not you.

You know you deserve to get paid well, and you’re willing to put in the work. Yet, you won’t sacrifice your most important values over a higher salary.

The bottom line

You’ve got what it takes to succeed in your career. Invest in yourself, learn how to negotiate, and do research. The next time you’re asked about your salary requirements, you won’t fumble.

You’ll showcase your skills with confidence and get the salary you deserve. What’s holding you back now?

Featured photo credit: LinkedIn Sales Navigator via unsplash.com

Reference

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