How to Make More Money At Your Full-Time Job

Do you feel stuck at your current salary? Here's exactly how to start earning more at your 9-5 job.Who doesn’t want to make more money at their 9-5 job? It’s common for people to feel like they aren’t being paid enough for what they do at work. Sometimes, though, instead of doing anything to try to earn a raise, people feel stuck with what they are making.

Clearly, companies are trying to get the most bang for their buck. If you’re okay with an annual 2-4% raise, your employer could continue that pattern every year. While you probably shouldn’t make a big stink and complain to your employer about your current salary, there is plenty that you can do to prove you deserve a raise and actually get one.

Here’s how to make more money at your 9-5.

1. Know Your Worth

It’s hard to know what you want your salary to be if you don’t know what is realistic. Salaries depend on many metrics, including years of experience, where you’re working, what industry you work in, job title, location, and education. A lot of people have a salary in their head of what they would like to be paid, but unfortunately, that is often unrealistic.

Continue reading “How to Make More Money At Your Full-Time Job”

Have you ever wondered if it was possible for you to make money by freelance writing? I’m here to show you how, and why, you can start your own profitable freelance writing business. Get my free guide here!

How to Start Your Own Profitable Freelance Writing Business

Have you ever wondered if it was possible for you to make money by freelance writing? I’m here to show you how, and why, you can start your own profitable freelance writing business.

Freelance writing is appealing for a number of reasons. It gives you an opportunity to earn money while working from home on your own time. It pays well and if you enjoy writing like me, it only makes sense to get paid to do it!

I started TLB the summer of 2015, but it wasn’t until March of 2016 that I actually committed to blogging regularly. I started the blog simply to blog. I never thought it could ever lead to me making money, especially in such a short amount of time!

Since March of 2016, I have gone from making 1 cent from this blog to making a few hundreds of dollars a month – and my business is still growing.

I couldn’t have gained freelancing clients if it weren’t for my blog, so I consider my freelancing income as part of my blog profit.

While I have zero intentions of turning my freelance writing business into a full-time job as of now, it’s extremely comforting and exciting to know that I could fairly easily turn this into something more if I wanted to. In the meantime, however, I am too excited about where my day-time career is going, so freelancing will remain a fun side hustle.

If you aren’t yet convinced, here are more reasons why you should start freelance writing:

  • Extremely low startup cost – pretty much just need a computer and internet!
  • Work in the comfort of your own home
  • You choose your projects and work
  • Strengthens your writing skills
  • Writing skills are extremely transferable to any job
  • Make money!
  • Create a business on the side for more job and income security

So did I sell ya? Here’s my guide on how to start your own successful freelance writing business.

Decide on your niche

If you’re considering freelance writing, it is assumed you have strong writing skills. While you may think you have the ability to write about any topic under the sun, I caution you against that.

Clients want to hire experts in their field. They want to hire people who are just as passionate about the topic at hand as they are. By choosing a few niches, you are automatically making yourself look more skilled.

Obviously, my niche is personal finance and career. I also have experience in travel writing and legal press releases (from my full-time job…more fun than it sounds!) While I mention my experience in travel and legal writing to those interested, I will continue to primarily advertise myself as a personal finance writer.

Create a business plan

To be honest, the opportunity to get paid to write kind of fell in my lap. I didn’t have a business plan, but since I’ve gotten more writing gigs, I’ve started working on mine. Learn from my mistake and start your business plan “write” off the bat (ok sorry for the pun. It was TOO good.)

Like I mentioned above, the best part of freelance writing is that there is extremely little overhead. You probably don’t need to rent office space, buy a brand new computer, or pay for much inventory. So don’t be intimidated by writing a business plan, even if you’ve never written one in your life. Freelance writing will start off as a one-person show. You won’t have investors or anyone to present your business plan to, so it’s okay to be extremely simple. But you should write a business plan to create a clear picture of your company to yourself and your clients.

A simple business plan for freelance writing could include:

  • What is your company and what does it aim to do?
  • What services will it provide and to whom?
  • How will you market your services?
  • How will you charge and collect money for your services?

Having a business plan will save you a ton of time and confusion. Once you understand your business, you’ll set yourself up for success when finding clients to hire you.

Start a blog or website

I can’t stress this enough. My clients have even said they wouldn’t hire anyone without a blog or website and it makes total sense.

Clients want to be able to see living examples of your work and they want to know that you are technologically savvy enough to put up with the demands of virtual writing.

Having a blog in your niche shows that you have current knowledge of your topic and that you understand how to write articles that people want to read! It helps potential clients understand your style of writing and who you are as a person.

If you aren’t sure about the whole blog thing, at least consider starting your own professional website. Make sure the design is aesthetically pleasing and that it is accessible and easy to navigate. You’ll want to include examples of your work and provide potential clients with an easy way to contact you.

Reach out to clients

With millions of websites and blogs out there, you can’t just sit back and wait for people to stumble upon your freelance writing business. You really need to work for those first few clients.

Think of who might need your services. Are they companies? Bloggers? Make a master list of potential clients and their contact info.

If you are regularly commenting on blogs you would like to write for, it’s easy to just shoot the blogger an email saying you enjoy their work and to keep you in mind if they are looking to hire writers. Having natural relationships with other writers is incredibly helpful for more reasons than finding work!

If you’re reaching out to large companies and websites, however, you likely do not have a direct contact. These are big-time businesses, so keep it professional. Simply find a contact form and send a professional email, stating that you are a follower of their work and that you would like to be considered as a contributor and why they should accept you. If you have links to any work, include a few.

If you’re not feeling super confident with reaching out to larger companies, focus first on scoring some smaller clients. They are more likely to work with you and teach you a few things and give you references to other clients.

But whoever you are emailing, make sure it is written well and always err on the side of professional. Even as a small blogger, I get emails from writers that start with “Hey,” and have a ton of spelling errors. Not a good look!

Keep in mind that you will face rejection a lot. It isn’t fun, but not everyone is always hiring freelance writers, or they may have a different budget. You have to keep trying and once you score one, the rest come easier!

Have a service mindset

Freelancing is NOT EASY. There are strict deadlines and it’s up to you to create contact. If you’re not an organized person, it can be challenging to cater to multiple projects and deadlines.

So above all, remember to only take on what you can provide exceptional service for, and make sure the client is a good fit for you. One of the best parts about being a freelancer is that you can choose who you want to work with.

It might be tempting to take on a ton of jobs and clients who either aren’t writing about a subject you are knowledgeable in or who are very demanding to work for. Don’t chase the money! Only take on what feels right and what you can do well. For example – I personally would never, ever take on a sports freelance writing project. Because I. Know. NOTHING about sports! I would waste my time trying to research the topic and be disappointing to the client. I wouldn’t be delivering exceptional service and my career would suffer.

As you gain more clients, keep in tune with their needs and wants. Some clients may want you to check in often, while others may want you to charge ahead with little direction. If you’re not sure what they prefer – ask! Ask all your questions ahead of time so they are out of the way. You will want to ensure you both are on the same page moving forward.

Understand the business side

Freelancing should be run like a business. You need to dedicate time to the financial side of your business, the marketing, and customer service.

You’ll need to develop a process. How will you organize conflicting deadlines? How will you invoice clients? How will you deliver your writing?

As far as the financial side goes, keep in mind – you likely are not paying taxes on whatever you earn, so you will be responsible for your own quarterly taxes! This means you will have to pay money in taxes every quarter, so it’s important to save your earnings. The last thing you want as a freelancer is a hefty tax bill!

DC over at Young Adult Money wrote this amazingly helpful article about freelance taxes – check it out!

To keep track of my freelance finances, I personally have my own Capital One 360 savings account, where I put all of my freelance earnings. I also put my travel fund, wedding fund, and emergency fund all within my Capital One 360 savings account, which is why I love it so much! Use my referral code and get $25 when you open an account with at least $250 in it.


My personal experience with freelance writing has been amazing. I honestly had no idea I could grow the beginnings of a business from home so quickly.

The fact that I can pick my own clients, make money from home, and create my own schedule while having almost no overhead makes freelancing a fun and profitable business. I love that I can grow it as much as I want…it’s very empowering!

7 Things You Can Do Today to Make Tomorrow Better

You know those days that you wake up and everything seems to be going wrong? You slept in, you throw on some wrinkled clothes, you skip breakfast, and you jump in your car and see you’re low on gas? Yeah, not the best way to start a day.

I’ll let you in on a secret: organization is one of the biggest keys to success. Time is limited, and organization allows us to optimize our time to meet our goals. Whether you want to get out of debt, save money, or learn a new skill, it all takes time.

Since I’ve started my blog as my side hustle, my time has become extremely valuable to me. The only way to balance a full-time job, blogging, freelance writing, planning a wedding and spending time with friends, family, and my fur babies is to be organized.

By spending as little as 15 minutes the night before, you can ensure that you are more organized tomorrow. Here are 10 things you can do today to make tomorrow better:  Continue reading “7 Things You Can Do Today to Make Tomorrow Better”

10 Tips to Improve Your LinkedIn Profile

Facebook, Twitter, Instagram, Snapchat…you likely have a few of these, if not all.

Probably the most taken for granted social media site is LinkedIn. Where I utilize my Instagram page to excessive pictures of my pets (cat lady status), my LinkedIn is much more important to me.

I may not check it as frequently as my other social media sites, but I make sure that my LinkedIn page is always on point. Why does it matter, you ask? What does LinkedIn benefit me? LinkedIn shows that you are competent, professional, connected, current, and serious.

I cannot tell you how many connections I have made via LinkedIn inviting me to apply for jobs or to connect to someone major in my network. Yes, it is overwhelming to begin, but here are 10 simple tips to start and strengthen your LinkedIn page.

1. Choose a clear, close-up photo

If you have a professional photo, great! Use that. But if you do not, at the very least, find a close up photo of only you.

Crop out your boy, your friends, or your cat. There should be no confusion as to who you are and it really does help to put a face to a name.

Also, as many of us are young college students or recent graduates, please try to avoid pictures taken in bars. It is more obvious to others than you would think. Profile pictures on LinkedIn are just as important as profile pictures on Facebook.

2. Write a personal summary

Yes, objective statements in resumes are outdated. But what I love about LinkedIn is that it is secondary to your resume. Typical resume rules do not totally apply!

You have more freedom to truly express yourself, and the personal summary provides your chance to do so. Tell a little about your story, your goals, your work history, and let your personality shine through!

Think of it as that part in an interview when the interviewer asks you to “tell us a little about yourself.” This can either draw interest or boredom, so take some time to write a brief statement.

3. Drop new connections a note

Did you know you can personally message non-premium members? Use this to your advantage. Rather than “connecting” (LinkedIn’s term for a friend request), with a past professor who may not remember you, feel free to send them a line to re-introduce yourself and offer availability to be open to any questions they may have. It doesn’t hurt, and it shows you are taking control of your future.

4. Endorse connections for skills

It takes 1 second to endorse people for a skill listed on their profile. Do it for a few people, and likely they will return the favor, enhancing both your profile and your visibility on the site! I recommend listing more specific skills than Microsoft Word, Proofreading, or Customer Service. The more specific you are, the more specialized you look.

5. Ask for and give recommendations

Along with point number 4, receiving recommendations on your profile looks great to potential recruiters. The easiest way to receive recommendations is to give or to ask.

6. Change your individual URL

Ok, guys, this is cool. When you create a page, your actual “LinkedIn website” (or URL) probably will look like http://www.linkedin.com/in/rachelfo1928949198419235 or something excessive like that.

Did you know you can change this? Go to your profile and look under your profile picture. There you should find your LinkedIn URL. When you put your cursor on the URL, a wheel button should pop up on its right. Click on that and it will bring you to profile settings. From here, look on the right side of the page, where it says “Your public profile URL.” You will be able to edit your URL to be more simple.

I would suggest just using your first and last name if it is available. This little step shows that you are proficient and detailed-oriented. Speaking of details…

7. Be detailed

There are no hard, fast rules of LinkedIn, so I utilize it to be a longer version of my resume. I can be more specific about my accomplishments and goals.

8. Share your page

Now that you created your own personalized URL, share it everywhere you can! Add it to business cards, resumes, or even your Twitter and Facebook pages.

9. Post relevant articles and participate in discussions

Search for a few groups and companies of interest for you and participate! Make it a point to share an occasional and relevant article that you found on your own. It helps convey that you read and regularly invest in your own development (which you may not do, but you should!) It also encourages interactions and boosts your visibility. A win overall.

10. Keep it up-to-date

Once you complete your profile, make it a point to keep it updated, especially if you are job searching! Whenever I update my resume, I update my LinkedIn as well.

The only thing worse than not having a LinkedIn page is having a very unfinished or outdated one. Make it a point to check in even once every two weeks and add a few people, like a few articles, and make sure it looks well-maintained.

To conclude…

LinkedIn has been a major resource for my career and I know it will be for you too. To connect with me or use my profile as reference, visit my LinkedIn page here. Do you have other tips about how to best utilize LinkedIn? Comment below!

7 Things You Can Do Today to Make Tomorrow Better

I’ll let you in on a secret: organization is one of the biggest keys to success. Time is limited, and organization allows us to optimize our time to meet our goals. Whether you want to get out of debt, save money, or learn a new skill, it all takes time.

Since I’ve started my blog as my side hustle, my time has become extremely valuable to me. The only way to balance a full-time job, blogging, freelance writing, planning a wedding and spending time with friends, family, and my fur babies is to be organized.

You know those days that you wake up and everything seems to be going wrong? You slept in, you throw on some wrinkled clothes, you skip breakfast, and you jump in your car and see you’re low on gas? Yeah, not the best way to start a day.

By spending as little as 15 minutes the night before, you can ensure that you are more organized tomorrow. Here are 10 things you can do today to make tomorrow better: 

Make a to-do list

If you’re like me, your brain might never shut off. I can’t tell you how many times I’m almost asleep and wake up panicked about something I forgot I need to do tomorrow. Making a simple list of what you need to accomplish tomorrow not only keeps you organized, but it keeps you sane and anxiety-free. Keep a small notebook by your bed to write down anything else you might think of last minute.

Write down your goals

Writing down goals is different than a to-do list because goals keep you centered. Looking at my list of goals for the day keeps me on-track and excited! It’s hard to get up in the morning if you don’t have a sense of purpose. Goal-setting gives you motivation and gives you the drive to actually do your to-do list.

Pack a lunch

There are so many reasons why packing a lunch sets you up for success. First off, it saves a ton of money. I can pack a lunch that maybe costs $2, where I spend at least $10 if I go out to lunch. If I do that 5 days a week for a year, that is a savings of over $2,000!

Secondly, it is so much healthier than eating out all the time. Fat, sodium, and calorie counts in restaurant foods are actually insane you guys. Packing your lunch at night ensures that you bring it every day, saving you money and calories.

Do a brief cleanup

By spending even five minutes a night straightening up, it saves you a ton of time on the weekends when you might do heavy cleaning. Put clothes and shoes away and do the dishes. It’s relieving to have things cleaned up, and it saves you from looking at that three-day pile of dirty dishes in the sink…ew.

Make time to workout

When you’re busy, it’s so easy to let working out slide. But we shouldn’t let it. Working out is imperative for a healthy body and a healthy mind. When I work full-time and come home to blog on my computer, I literally spend ALL day sitting. Working out is absolutely necessary for me to feel on top of my game. Schedule a time in the day that you can work out and make it a goal to stick to it. Even if you start by going on short walks, just get moving! How many successful people do you know who don’t take care of themselves physically? I can’t think of many.

Lay out your clothes

I don’t know about you, but when I wake up in the morning, I want to make as few as decisions as possible. I’m tired and delirious. Laying out your clothes at night means one less thing you have to do in the morning. Plus, it keeps you looking put-together and professional versus throwing on the first thing you find in a hurry.

Lastly, turn your devices off!

As a blogger, I am so guilty of staying on my phone at night, and it’s terrible. Physically, the brightness of devices stimulates our minds so we aren’t rested and it also gives me a lot of added stress and anxiety before bed, which is never good. Turn off your devices and go to sleep, already!

All in all

By doing a few things the night before, we really set ourselves up for success the next day. If you’re not sure where to start, just make it a goal to spend 10 minutes at night doing something that will make tomorrow better.

How to Conduct a Long-Distance Job Search

Getting a job is hard. Getting a job in a different city, state or country is even harder. But not impossible. Speaking as someone who found a job 1000 miles away, I’ve been through the feeling of stress, rejection and hopelessness. Here are worthwhile tips on how to conduct a long-distance job search.

Network, network, network.

Networking is absolutely essential for any job. If you’re just sending your resume out to random companies, you’re likely not even making it past their filter because of your out-of-town address. Networking with people you know or connecting with people within a company is the best way to ensure your resume is actually seen. LinkedIn is a great virtual resource to find who does the hiring at a specific company and provides a way to reach out to them.

Get involved in your current community.

Though you’re hoping to leave your community, getting involved right now allows you to build relationships and grow your network. It also gives you current involvement on your resume, which is especially good to show if you’re unemployed.

Be honest in your cover letter.

Definitely mention your desire to move in your cover letter and show that you have plans. Be specific and realistic. If you apply for this job now, how soon could you move if you got it? How would you interview? Are you willing to travel even for a basic interview? The easier you make it seem, the more you reassure the hiring manager.

Have references and tell them your goal.

Having plenty of references is always a good thing. Meet with them personally if you can, and tell them your goal. If your references receive a phone call about a job, they can further reassure a company that you are serious about moving and that you are organized and planning it.

Don’t rely entirely on internet job boards.

Regardless if it’s a long-distance job search or not, internet job boards get hundreds, if not thousands of people applying for the same job. It is some stiff competition and your chances aren’t looking great. Because they’re the obvious place to look for a new job, everyone and their mom is applying. Apply for some if they are your dream job, but otherwise skip them and turn to networking and LinkedIn.

Build a support system.

This will undoubtedly be a trialing time for you. Make sure you have someone to support you, whether it be a distraction, a shoulder to cry on, or someone to bust out the wine as needed. Shout out to my mom on this one!

Save vigorously.

Regardless of what happens, you will want to make sure you have enough money saved to fund that potential relocation. Any excuse to save is a good one, am I right?

Reach out on LinkedIn.

From personal experience, I have found LinkedIn to be invaluable in a job search. I actually received my first job through LinkedIn, which also was the job 1,000 miles away from home. LinkedIn allows you more freedom to reach out and message company leaders about job opportunities in a professional setting. Many people create a LinkedIn account but never use it. Don’t be one of those people! You’re missing out on such a modern, professional tool.

Be patient and relax.

While being patient is probably the most difficult advice to actually follow, it is also the most important. Finding a new job under any circumstance can take months or even years. You will likely face a lot of rejection, but if moving is important enough to you, you’ll find a way to make it happen.

Have you ever found a job in a different city, state, or country? Any other tips you would add or experiences to share? Comment below!

How to Make a Major Career Switch

Are you still clueless as to what you want to do for a career? Having regrets about your college major? Not sure where to start? Me neither.

College is one thing, but working a job rather than studying is a totally different dynamic. No matter how many internships or job shadows people do, I know so many people who graduate and are lost. Me included!

My background: I studied hospitality and tourism in school. I loved leaning about service, food, travel, accommodations. Everything. I thought I found my dream major. I interned at a major hotel and even interned at Disney World hotels. It was all awesome. Now I work in law. What?!

When I graduated, I got a job as a hotel manager in South Carolina. It was an exempt position, so basically I worked 80+ hours a week, I never had a weekend off, and would have to work 2nd or 3rd shift some nights. The job was a lot of fun, but it was not sustainable for long.

So I quit my job without another one lined up. I ended up moving and got a job doing marketing an human resources at a large law firm, and I love it. It is quite a switch, and you’re probably wondering how I did it. Here’s my advice:

1. Focus on what you want.

Finding a new job is hard, and finding one in a different field is even harder. Know what you want in a job and stick to it.

2. Know yourself as a brand.

Have you ever taken a marketing class? If you know how to market a product, you can market yourself. Know your strengths and capitalize, but be honest about your weaknesses and how you can spin them positively.

3. Be confident.

This can be easier said than done. I have applied to many jobs outside my field in the past and felt confident right until the interview.  The interviewer most likely will question your experience and credentials. This is where confidence is so necessary! If you don’t appear confident in yourself, why would an employer feel confident in hiring you? Practice confidence every day, and know that you’ve got this.

4. Find similarities between what you have done and what you want to do.

A big part of my degree was event planning. When I applied to my current job, experience event planning was something they were looking for. So I honed in on it during my interview, and set myself apart. Making the connection and capitalizing on it will likely have an employer looking to you as a specialist.

5. Have patience.

By making a career switch, you may not be the obvious candidate but with a lot of hard work and patience, it will pay off!


If you have personal or specific questions on making a career switch, I would love to connect with you. Feel free to email me at thelattebudget@gmail.com.

10 Ways You Should Invest in Yourself (Even While on a Budget)

Admission: Yes, I have a finance blog. Yes, I am good with money. But here is the secret…I sometimes hate my budget.

I become bitter that I don’t have the money to invest in myself and the things I want or need to do. Whether it be graduate school, a nice car, or a manicure, there are so many times that I have just wanted to give up.

What I realized is that I was being TOO tight with my budget. I skipped doctor appointments, never bought any new clothes and I beat myself up every time I succumbed and bought a latte. I decided enough was enough. Life doesn’t stop just because I am in debt.

Yes, debt is my main priority but it became apparent that if I don’t start investing more time and money on myself, I will lose endurance in the long-term. Here are 10 ways I am investing in myself this year (and things you should do too!)

  1. Healthy food.

    Junk food and fast food can seem cheaper, but the effects it has on your body is enormous. Additionally, bad habits set in your 20’s are difficult to break. Paying a little extra and making a little more time to cook healthy meals is so worth it for now and the long-term.

  2. A monthly clothing budget.

    Without it, I felt deprived and would splurge later. Keep in mind, this is a very small budget, but I allow myself to buy about one new shirt a month, or I can save up for a really nice piece.

  3. Committing to learn new skills.

    Graduate school is my ultimate goal, but I don’t have the money for it now. So I am committing to learning new skills, like website development, blogging and coding. Blogging has been such a learning process for me. I also have made it a goal to read a book a month. No matter what you’re doing, always commit to constantly learning.

  4. No more skipping doctor appointments.

    Like buying healthy food, regular doctor appointments are a must. Your health will thank you, and you are preventing future health issues, and saving more money in the long-run.

  5. Travel.

    Living 1000 miles away from my family gets sad! I make sure I don’t deprive myself too much of visits, especially during the holidays. As a travel addict, I make it a point to save for vacations, too.

  6. A latte (once in awhile).

    Sometimes a girl just needs a PSL, okay?

  7. Having an emergency fund.

    Bad things will happen, and it is saving my future self from going into more debt with a credit card! It can be so tempting to use the money on other things, but this is probably your biggest life saver as a young adult.

  8. This website.

    I pay a little bit every month for the domain. Especially when I was first starting and no one read it, I wondered if it was worth it. But it is helping me develop my skills so much that I consider it an investment.

  9. Saving for retirement.

    This is hard to do when I have debt, but I make it a point to save a little bit of each paycheck. Even if it is just 1%, you are saving for your future. I would recommend aiming to save whatever your employer will match, because it is essentially FREE MONEY!

  10. Paying off debt.

    It isn’t fun, but keeping the goal of graduate school in mind makes it an investment in my future.

Investing in yourself might not seem like the most financially responsible thing to do, but without taking care of and developing yourself, you won’t get far.

Do you have any other must-haves? How do you invest in yourself? I would love to hear!

 

How to Quit Your Job Without Another Job Lined Up

Are you desperately wanting to quit your job, but you don’t have another one lined up? Maybe you’re working for a corrupt company and need out now. Or perhaps your job is requiring you to work so many hours that you simply don’t have time to search for another one?

I’ve been in your situation, and trust me, I know the emotions that you’re going through. Likely, you ask for advice from family and friends and you keep hearing the same response – “make sure you line up another job, first.”

I understand where family and friends are coming from. I mean, yes, ideally you would not quit your job without another one lined up. But I think there are some situations that it’s best to get out of quickly, even if you don’t have another job lined up.

For example, maybe you are working 100+ hours a week and don’t have time to job hunt. Maybe you are finding that your company is seriously corrupt or ethically immoral. Or maybe your career is not one you want to do at all, and you know you need to make a switch. You could even be making so little at your current job that your time would be spent better elsewhere.

Situations like this are unfortunate, but they do happen. It’s happened to me. They can cause you to fall into a serious depression. A job is necessary, but if your job is becoming a serious threat to your health, you need to find an alternative.

<h2″>Things to consider.

Before you quit your job without another lined up, you do need to consider some things.

  • What is the job market like in your area?
  • How easy would it be to find a new job on short notice?
  • Are you able or willing to relocate for a job?
  • Would you be willing to do temporary work in the meantime?
  • What will you do if you can’t find a fitting job right away?
  • Would you be willing to take a job just to pay the bills?
  • How much do you have in your emergency fund?

In the best scenario, you have an emergency fund for a situation like this. But if you’ve been focused on paying off debt, you might not have much set aside. Realistically, how long can you go without a job?

How much money do you need to earn each month to pay the bills?

Take a look at your budget. Where can you trim expenses? How much do you need to earn to pay the bills?

Who is your support system?

Do you have a significant other, friends, or family to support you emotionally through this time? (Side note – if you don’t have a support system, email me. I’ve been through this and am always available.)

Once you quit.

If you are able and ready to quit your job without another one lined up, congrats. You will definitely feel a sense of freedom. Here are additional tips on what to do next.

Take a break.

Chances are you are extremely burnt out and emotionally drained. Take a break to recover.

Network.

Know how to explain why you left.

While interviewing for jobs, you likely will be asked why you left your last company. Even if it was a terrible company, make sure your answer is unoffending. No one wants to hire you if you’re bashing your last employer.

Looking ahead.

Quitting a job without another lined up was scary, and I never want to feel like my future is so ambiguous ever again. I learned a lot from this and have organized my life so I am prepared if anything like that should ever happen again.

Build an emergency fund.

Ideally, you would have 3-6 months of living expenses in an emergency fund. After quitting my last job without one lined up, I built this up as soon as I could. Even though I have debt, my emergency fund was decidedly more important for my piece of mind.

Start a side hustle.

One reason I started this blog was so I could use it to earn money. If I had to quit my full-time job for any reason (though I love my job and shouldn’t ever have to), I know I could always pick up more freelance clients, sell something on my blog, work with advertisers, etc to earn more.

Diversifying your income streams really gives you piece of mind. Whether you blog, invest in real estate, clean houses, baby sit, deliver mail, or whatever it may be, do something on the side. It gives you so much control and freedom over your finances.

Be on the lookout for shady employers.

If you’re ever on the hunt for a new job, now you know a little more of what to look for in a company. Do your research and ask a lot of questions to ensure you’re never put in this situation again.

9 Ways to Stay Healthy While Sitting at a Desk All Day

While having an office job has it’s pros, chances are that you sit at a desk almost all day. Sitting for that many hours a day has many serious health consequences like:

  • Back and neck pain from improper posture.
  • Organ damage from a slower metabolism.
  • Weight gain because you burn less fat while sitting.
  • Damage to eye sight from staring at a computer all day.

When I started working my first office job after working several manual labor jobs, I thought I had it made. A cushy chair, an office, and regular hours were like a dream come true. While I am very thankful for my job, sitting at a desk all day has proved more difficult than I could have imagined.

After a year at my office job, I found I gained 10 pounds. That might not seem like much, but I am only 24. If I gained 10 pounds each year that I worked, I would really be sending myself down a path of destruction.

Along with weight gain, I have experienced some of the listed health consequences, like damage to eye sight, so I decided to do some research. Here are 9 tips to stay healthy while sitting at a desk all day.  

Ask for a standing desk.

Many companies are beginning to offer standing desks as an alternative. Standing burns more calories and allows proper blood flow to your body. While it might be unrealistic to stand all day long, see if it is an option you can do for a few hours throughout the day.

Practice good posture.

Admittedly, I have terrible posture. So bad that it actually is painful for me to practice good posture! Keep your feet on the floor, raise your chair so your eyes are slightly looking down at your computer, and sit up straight. Proper posture ensures good blood flow, prevents long-term back and neck issues, and allows you to strengthen your core.

Take a mini-break every half hour.

If you are able, set an alarm on your phone every half hour. Make it a point to take a 1 minute break. Stand up, stretch, and look away from the computer to combat computer vision syndrome.

Walk around every hour.

Along with a mini-break every half hour, take a short break every hour. Use the restroom, get more water, walk around a bit.

Take mental breaks, too.

Lunch breaks are suggested for a reason. Taking a mental break allows you to be more productive and it prevents burnout.

Drink plenty of water.

It’s easy to forget to drink up while you’re busy at work. Keep a water bottle at your desk at all times and make it a goal to drink at least half a gallon during work.

Avoid office junk food.

Somehow, it seems like there are always cookies or donuts sitting out to share. Why not set the tone for your office and bring in some fresh fruits and vegetables instead?

Schedule time outside of work to exercise.

Now that I blog and freelance outside of work, I really find that I sit a lot. So it has become increasingly important for me to schedule time to work out because some days, that’s all the movement I do. Exercising is so good for body and mind. It increases my focus and productivity as well. Even though it does take some time to fit-in exercise, I actually find that I accomplish way more in the days that I do exercise than the days where I skip a workout.

Bring your lunch to work.

As I frequently mention, bringing your lunch to work has so many benefits. It can save thousands of dollars each year, it is healthier, and it saves time. Sitting all day does slow down your metabolism, so it becomes difficult to burn off a meal out, which is typically higher in calories, fat, and sodium.

All in all

While you’re busy at work, it is easy to let your health slide. Your health is your biggest asset at any given point, so it is imperative that you take adequate care of yourself.