Mardi Humphreys

Booked

Thinking about doing some reading while you wait for delayed flights or relatives to wake up from post-holiday-meal naps? Here are some books about T.E.A.M. that I thought were worth mine.

Time

The Alchemist by Paulo Coelho – Translated from Portuguese, this hero’s journey is a brief, unapologetic fable. My biggest take away is: Omens are everywhere. When I think I’ve spotted one, I should stop and reflect on how it may direct my decision making.

The Anthropocene Reviewed by John Green – Born from his podcast, the theme of these essays is the impact of people’s behavior on our current geological age. His topics include everything from “Humanity’s Temporal Range” to “Diet Dr Pepper.”

My Mrs. Brown by William Norwich – Another hero’s journey, this novel offers lovely prose, a depiction of women of a certain age, and characters we are surrounded by every day, but don’t consider their life stories. This is a great tale for goal-setters.

Energy

Designing Your Life by Bill Burnett and Dave Evans – Tools, processes, and insight on how to get from where you are to where you want to be. The authors present systems you can implement to make decisions about your work, relationships, goals, etc., no matter what stage of life you’re in.

The Extended Mind by Annie Murphy Paul – Science-based research on why we need to get out of our heads when problem-solving. Presented in narrative form, it’s a validating read for knowledge workers.

High Conflict by Amanda Ripley – When we have a disagreement with someone, conflict becomes an additional adversary to battle. Engaging examples of people who believed the enemy of my enemy is my friend, identified conflict as the enemy, and worked together to defeat it.

Attention

The One Thing by Gary Keller and Jay Papasan – If you haven’t read many productivity books or you need a refresher on the basics of making wise choices, you’ll like this book. If you read Stephen Covey, Charles Duhigg, and/or James Clear, etc., then you will probably not be impressed. It’s short, so you could finish it on a cross-country flight.

Atlas of the Heart by Brené Brown – Read this before your holiday get-togethers and keep it handy for reference. It should be on your bookshelf right next to your dictionary and thesaurus. Brown identifies 87 emotions, why they affect relationships, and how you can navigate them to achieve connection.

The Art of Gathering by Priya Parker – This is the cure for meetings that should have been emails. Also, it will help you create more meaningful holiday gatherings.

Money

The Ultimate Retirement Guide for 50+ by Suze Orman – The author speaks plainly and with empathy. Preparing for retirement can be confusing and scary and this book helps you move forward with more confidence.

Never Too Old to Get Rich by Kerry E. Hannon – In 2021, the average age of successful startup founders was 45. If you think you are too old to start your own business, read this book and think again.

Know Your Value by Mika Brzezinski – The author chronicles her journey to get the appropriate recognition and compensation for her work. She also interviewed women in a variety of industries and reports their experiences too.

What are you reading? Please share in the comments.

P.S. I occasionally post on Saturdays what I’m reading that weekend. Please follow me on Facebook and and contribute to the conversation!

Ho Ho Hold Up

Back in October we saw jack-o-lanterns, cornucopias, and reindeer all sitting together on store shelves. Now that shipping is better, the supply chain is bringing us too many goodies too fast and we feel the fourth quarter holidays all running together. Maybe we should embrace it and create a new holiday: Hallothankmas. It’s not just the holidays that are accelerating. Threat actors are too. Cyber criminals are lying in wait for unsuspecting shoppers who give out their Personally Identifiable Information (PII) faster than mall Santas give out candy canes. If you’re shopping online this holiday season, here are four things you can you do to protect yourself.

Know Where You Are

The number of phony websites increases this time of year. Before entering any payment information, double check the URL you’re using. Is the name of the company spelled correctly? Does it have extra words that you didn’t expect? When you go to the payment page, Is the lock symbol and “https” in the URL?

Legitimate Forms of Payment

Do they want you to pay with cryptocurrency, gift cards, or a wire transfer? These are all untraceable methods of payment. Once you complete a transaction with those forms of payment, you can’t get your money back. Insisting on these ways to pay is a clue that the retailer is a fraud. A scammer reached out to me recently and I had to laugh. I received an email allegedly from my boss instructing me to go out and buy 10 gift cards then reply to the email for further instructions. How did I know it was a scam? I no longer worked for that boss.

You Are a Target

You are bombarded by targeted ads following you from Instagram to Facebook and all platforms in between. Some of those ads are from disreputable companies whose branding tempts you with hard-to-believe deals on popular merchandise. Do not click on those. This is not the time to try an unknown retailer. Some of these companies are selling knock-offs and some aren’t selling anything. They collect your PII and money and send you nothing. If you are tempted, read reviews of both the item you want to purchase and the company. If there are no reviews, or few, or they are all glowing, skip this seller.

Pay Attention

Things tend to get busier this time of year. You may forget to check your accounts as often as usual. Cyber criminals are counting on that. If you have increased your online shopping, then check your accounts more often through the end of the year. If you see any transactions that you don’t recognize, can’t find an emailed receipt for, or the transaction is for an odd amount (e.g., .99¢), contact your financial institution immediately.

Hallowthankmas can be dangerous for your wallet on a few levels. It’s the season of giving, but that does not include giving away your money or PII. You can keep your guard up where finances are concerned while still letting it down for friends and family.

Do you take extra precautions at this time of year to protect your financial accounts? What are they? Please share in the comments.

Extra Crispy

Have you ever stared unblinking and thoughtless at your work computer screen for five seconds then freaked out a little when you realized that actually five minutes had passed? No? Just me? In researching solutions for my problem, I discovered I may be experiencing the phase before burnout. Wouldn’t it be useful if we were self-aware enough to recognize burnout before going up in smoke?

Burnout Has Phases

Honor Eastly coined a two-phase description: crispy and burned out. Crispy happens when you are stretching your limits, but like it. While it feels good, you ignore your need to rest and eventually get stuck in your process sparking burnout. How do you know you’re getting crispy? Here are some signs:

You wake up in the middle of the night thinking about your to-do list
Annoyances you used to ignore (e.g., your teammate forgetting to unmute himself on the weekly check-in Every. Time.) now drive you crazy
You are depressed

What You Can Do

Too much housekeeping at work stokes the fire. Taking notes for the team every meeting, buying birthday cards for staff, and emailing calendar invitations do not get you paid nor promoted. Since the work doesn’t count in managements’ eyes, you don’t take it into consideration when you wonder why you are exhausted. It’s time to ask others for help, (e.g., “You know what, Stan? I took the meeting notes last time. How about Joe does it this week?”)

Your chores fan the flames. For example, just eating can be work: buying groceries, preparing meals, cleaning up the kitchen, washing the dishes, putting the dishes away. You feel like this constant stream of tasks don’t count because you don’t get paid to do them, but they drain your time, energy, attention, and money. Recognize that life requires administration and pay attention to your unpaid duties. Can you streamline any of them? Divide some up with your partner? Outsource any? For example, can you afford to order food in once a week?

The hustle culture pours gasoline on the blaze. I discovered the symptoms of burnout after listening to this podcast. Experiencing some of them, I set a timer on my work intervals to remind me to take more breaks. At a meeting with my business coach I said, “I’m experimenting with forcing myself to take more rest breaks during the work day.” As soon as the words were out of my mouth, I regretted saying them. When I heard them out loud, I felt like I was trying to defend being lazy. She reminded me that rest actually promotes better work results. That made me feel better temporarily, but then, why do I feel ashamed to rest during the workday? Why do I feel like I have to be on call 24/7/365? Because hustle culture trains us to be immediately responsive to others’ needs all the time. This behavior is unrealistic and unsustainable. Can you stop apologizing for being human? Can you get comfortable disappointing people?

When you start to feel exhausted for what you initially think is no reason, it’s time to stop, drop, and roll. Stop what you’re doing, drop the assumption that everything has to be done right now, and roll into a break.

How do you recognize when you’re moving from crispy to burnout? Please share in the comments.

Military Schooled

Veteran’s Day is this week in the United States. Thank you, veterans and your families for your service. Is motivating troops at all similar to motivating the workforce?

Similarities

Both military and civilian organizations take people with nothing in common, put them on teams, and require them to execute complicated projects
The military rewards personal sacrifice, shared sacrifice, and accomplishments through a system of challenges and rewards. Some companies offer overtime pay, team recognition on their social media, and pay submission fees for industry awards
The military asks you to put your country and its larger cause ahead of your own interests and safety. Essential Workers are asked to do the same
Goals for both the military and the workforce are: increase production, efficiency, and desired results
Motivation is also the same because humans populate both groups and everyone wants the same things: job satisfaction, achievement, recognition, and professional growth

Differences

From the beginning of military service, the focus is leadership. There are formal training programs in all branches of the military (e.g., military academy, ROTC, Officer Training School) and leadership training continues throughout your career. Does your organization offer career development? Do they reimburse you for continuing education?
The military hold ceremonies for changes in command. These formally acknowledge that change is happening and make the environment less disruptive. When was the last time you got to meet your new department head before they were hired?
The military physically train together. Does your company have a softball team? Axe throwing league? Charity walk/run?
The military has great expectations and expects the troops to rise to meet them. As James Clear says in his book, Atomic Habits, “You do not rise to the level of your goals. You fall to the level of your systems.” The military’s systems are designed to use positive peer pressure and incentives to build self-motivating troops. Does your company have a mission statement? Can you quote it?

Learnings

A 1994 study revealed motivation predicts success better than intelligence, ability, or salary. The military uses motivation techniques that can apply to the workforce. Rewards, (e.g. salary) only work as long as they are perceived as rewards. When the reward goes away, so does the motivation. Pay your workforce enough to live on, give them tools to become Subject Matter Experts, and agency to give their jobs their best efforts
The military is motivated to protect their country. Patriotism is a feeling. What feeling can you encourage in your employees? Loyalty? Service? Sustainability? Legacy?
The military emphasizes and rewards incremental progress. (e.g., moving up in the ranks). Giving your employees a several-step career path, defining the parameters to reach each step, then rewarding them with the next step when they reach those parameters, can help you retain them. A 1998 study determined people found life 22 percent more satisfying when they accomplished a steady stream of small goals rather than a few large goals
Sticking together is ingrained in military culture. It drives everyone to achieve a higher purpose. How do you bond your team? What contribution does your company make to society? Employees want to know they are working together to accomplish something that serves the greater good

What other ways do you think the workforce can learn from the military? Please share in the comments.

Over and Over and Over Again

Everyone likes to contemplate their navels on occasion. It becomes a problem when minutes turn into hours and you have nothing but belly-button lint to show for it. We have plenty of things to worry about, so let’s limit this conversation to the workplace. What is the difference between overthinking, worrying, and ruminating?

Overthinking

Overthinking is repeatedly examining a current stressful situation. For example, you’re working on a series of deliverables for your manager. He calls you into his office and asks you to explain why you are spending so much time on those projects instead of these other urgent tasks. You’re stunned and the conversation goes badly. Now you can’t get any work done because that interaction is all you can think about. “How did that happen? How did I get this far off target? Now what?” At your first opportunity, take a break and find a quiet place. Write down your thoughts. Then develop questions to ask your manager at your next meeting. If you do not regularly have 1:1 meetings, now is the time to request them. Phrase your questions in non-confrontational language. For example, “I’d like to send you an email first thing every Monday morning to find out what the top three projects are that you’d like me to work on for the week. Is that okay?” Taking action will help you stop overthinking.

Worrying

Worry is pondering threats to your future. This can be useful, but until you can actually predict the future, it will quickly drive you crazy. Taking the above example a step further, let’s say that the follow-up 1:1 with your manager can’t happen for a week. This gives you way too much time to think about how this second conversation could go even more sideways than the first. Instead of thinking about the worst that can happen, visualize the best that can happen. Conflict is inevitable in every relationship. You can only control the part you play in it. See yourself brainstorming with your manager. What ways to resolve the problem are you presenting? Relationships can be strengthened by working through conflict together. At the very least, your emotional intelligence will get a workout.

Ruminating

Ruminating is brooding over the past. Taking the above example even further, let’s say that you choose not to visualize the best that can happen at the next meeting with your manager. Instead, you get stuck replaying the original conversation in your mind. You’re dwelling on something you cannot change. Every time you think about that conversation, you feel the negative emotions that you felt then. When you fall short of someone’s expectations, it’s wise to review what led to the negative result because it can help you develop triggers to prevent it from happening again. However, mulling over something you cannot change can lead to self contempt. This not only can erode your confidence and encourage you to habitually berate yourself, but if you keep going down that path it can also lead to depression. If that is your situation, then please take advantage of any mental health benefits your company offers. If your organization does not offer mental health benefits, then take a look here.

What do you do to stop worrying about work? Please share in the comments.

For Your Review

It’s the most wonderful time of the year! No, not Halloween; performance reviews! What? You don’t like performance reviews? I get it, but instead of thinking of it as your manager’s opportunity to remind you how far short of the company’s expectations you fell, turn the spotlight on how valuable you are. Employees have more leverage than ever to get both a promotion and a raise. You’ll probably have to ask for both, but how?

Justify

Your company pays you for the profitability you bring, not for your personal circumstances. Don’t base your case for a pay increase on the amount of your bills. Build it on your accomplishments that helped the company achieve its mission. The easiest way to do this is to keep a folder on your desktop with a collection of evidence proving your worth. It’s not only helpful for performance reviews, it boosts your confidence all year long. The folder can include:

Emails thanking you for a job well done
A link to the recommendation section of your LinkedIn profile. You ask people for LinkedIn recommendations, right? If not, do; and offer to give one in return
Notes on your Top 20 List of Achievements. Include:
- Projects you led that moved the company closer to its goals
- Revenue you brought in
- Savings you attained
- New clients you acquired (and their worth)
- Initiatives you originated and their positive financial impact

This is a job interview. It requires rehearsal. Ask someone to role play with you. After summarizing your Top 20 List of Achievements, encourage your practice partner to ask you hard follow-up questions. Frame all your answers around why your company would benefit by promoting you. Here are a few questions to help you hear your pitch out loud then get their feedback:

How will advancing your career positively affect the company?
What projects/initiatives/clients will this new role allow you to obtain?
Who in the company has to invest their time, energy, and attention in you so that you will be successful in the new role?

Specify

Now that you know and can demonstrate your worth, you have to respectfully communicate that you expect to be recognized and compensated for it. If your manager asks how much money you expect to make, ask them what their budget is. This can prevent you from not asking for enough. Whether or not they offer a number, enter the conversation with a salary range in mind and ask for the top. If the salary range for the position you want is public information within the company, then it’s easy to find. If you have to dig for it, is there someone who held that position whom you can ask? If not, research other job descriptions with the title you want as the keywords. What is the current salary for someone with your level of education, experience, and track record who lives in your city? Bring these statistics with you. They provide credibility of your value in the talent pool.

Clarify

If the company can’t afford to give you more money, but still wants to give you more responsibility, then think carefully before deciding. A performance review is a negotiation. Don’t think of their answer as a no. Think of it as a not yet. You can negotiate for compensation other than money right now and revisit the salary conversation later. For example, will they:

give you a better title?
approve working remotely two days a week?
assign you to lead more high-visibility projects?
reimburse you for leadership development training?

If you can reach a compromise, then get in writing exactly what your additional duties will be, the compensation you will receive for them, and for how long. Request to revisit the pay increase discussion in six months. Schedule that meeting before the conversation ends. Make sure it’s noted on your manager’s calendar and in your personnel file. The two of you are not the only people looking at your performance review. HR (at least!) is too. Make sure as many people as is appropriate know this conversation is not over.

Asking for a raise is not about what you want. It’s about what your performance has earned. You uniquely contribute to your organization and they benefit from your work, your influence, and your networks.

Is this how you prepare for a performance review? What did I forget? Please share in the comments.

Scary Stuff

There is plenty to be scared of this Halloween from unreal threats like horror movies to real ones like war. Let’s talk about what we can control. What scares you? Heights? Elevators? Networking? If all three, then finish reading this article before you RSVP regrets to your client’s happy hour event on the 20th floor of their office building.

The advice to face our fears goes back at least as far as Ralph Waldo Emerson’s suggestion that conquering a bit of fear everyday is the secret of life. Whether it’s fear of failure, loss, or change, getting out of your comfort zone can help you at work, but why should you and how can you?

Why? Because

You Can’t Avoid Scary Things – Unexpected illness or injury, destructive tornados, the consequences of other people’s decisions, these are setbacks that you cannot control. Setbacks happen and fear tells you they are bad, but fear lies. Setbacks are growth opportunities. They reveal what doesn’t work and that’s valuable data. Like Thomas Edison inventing the lightbulb. Learning to put scary things into perspective helps you navigate your reality.

Facing One Fear Gives You Confidence to Face More – Let’s imagine that you want to quit your job to start your own business and are afraid to tell your partner. Pitch it to them as if they were a client. Their questions may be a good basis for your business plan. Answering their concerns helps you rehearse for meetings with investors and clients. Talking through how you’re going to make the transition gives you a better idea of your timeline.

It Makes You Empathetic – Do you think you’re the only person scared to drive on the highway? I did. Since I began sharing my fear, I’ve encountered at least three other people with the same issue. I partnered with one to face the fear together. We ended up talking about other things that we’re afraid of. It made me more understanding and tolerant (I hope) of people whose fears are different from mine. Will this habit help me be a DEIB ally? (I hope.) I still get nervous driving on the highway, but it no longer prevents me from refusing opportunities like it used to.

How?

Imagine the Worst That Could Happen – Visualize what you would do in that situation. Having a plan gives you confidence.

Affirmations – Once when I had a precarious job, I wrote an affirmation on a sticky note and kept it on the corner of my laptop where my right hand brushed the paper every time I typed. It was a touchstone that helped me keep going when fear attacked.

Put the Work in – Doing what scares you makes what scares you less scary. Start small. For example, to lessen my fear of driving I take roads I previously traveled and tell myself that I’m just going a little bit further down them.

Fear serves a purpose. It helps you identify threats. When you get startled by a loud noise, you typically duck your head because it triggers the acoustic startle reflex we’re born with. This was useful to our ancestors who had to run from rockslides. It’s also useful to employees whose supervisors yell when they’re angry. You should run from them too.

Have you done any scary stuff at work lately? Please share in the comments.

Secret Identity

In 2018, Mike Robbins wrote a book called, Bring Your Whole Self to Work: How Vulnerability Unlocks Creativity, Connection, and Performance advocating authenticity in the workplace. If you have about 12 minutes, his TEDxBerkeley Talk is worth watching. Since the concept depends on interpretation, how do you know what bringing your whole self to work looks like at your organization? As an employee, what is your responsibility? Is it really a good idea to bring your whole self to work?

What Does it Look Like?

In 1990, through his research in diverse workplaces, organizational psychologist William Kahn defined employee engagement. He theorized that employees have personas they put on to go to work, like actors portraying characters. The gap between employees’ true selves and their personas depends on how engaged they are with their jobs. For example, when an employee wants purpose from their job, they are crushed when they don’t get the promotion they expected. This can lead to disengagement like complaining about the job or looking for another one. If the employee doesn’t base their identity on their job, they recover from the same setback more quickly. At the most basic level, bringing your whole self to work means revealing what is impacting your life outside of the job and how it is affecting you on the job. It also means respecting coworkers who share that information about themselves with you.

What is Your Responsibility?

At minimum, managers should strive to create an environment where people feel accepted and respected no matter how invested they are in their work personas. Normalizing the fact that what we experience outside the workplace (e.g., family responsibilities, discrimination, COVID-19) affects us on the job produces a more loyal workforce. It takes a great deal of courage to bring your whole self to work. It also takes cooperation, tolerance, and patience. It has to be part of an organization’s culture. It is work in addition to the job you were hired to do. Bringing your whole self to work requires self-awareness and emotional intelligence. As a team member, you have to pay it forward by extending grace to your coworkers. For example, if you gave your best effort to a project and the client still rejected it, do you blame the coworker who was distracted by a sick child? Or do you choose to believe that they gave their best effort too?

Is it a Good Idea?

A workforce enabled to be real is a workforce empowered to show empathy. This is especially useful in relation to customer service. Some things are universal, like the desire to be heard. For example, when a customer has a complaint, they want acknowledgement. When a member of your workforce spends time listening to the customer’s experience, the customer feels more positive toward your business even if their problem isn’t immediately solvable. Now, having said all of the above, it is not lost on me that the rules of bringing your whole self to work are different for people of color. That is a whole ‘nuther conversation, and you can start it here.

How do you define bringing your whole self to work? Please share in the comments.

Your Pool is Leaking

Let’s do a Great recap. The iterations the workforce has gone through since March 2020 are The Great:

Retirement
Resignation
Reshuffle
Recognition
Realization
Reprioritization
Relocation

We are now in the Great Renegotiation. In all these evolutions, the workforce evaluated the role that employment should play in their lives. Many took control of how they produce income by trading traditional full-time employment for gigs, part-time, or starting their own businesses. There were 11.2 million jobs available in America as of the last business day of July 2022. There are more jobs than there are people willing to do them. What is the disconnect?

Employers say: No one wants to work
Workforce says: No one wants to work under the conditions employers are offering

Two plus years into the pandemic, the workforce has more agency than ever to choose how they make money yet so many employers refuse to accept that the balance of power is shifting. Too many employers are trying to attract workers with the same benefits they offered pre-COVD like signing bonuses, titles, and promotions. This strategy may attract traditional employees, but there aren’t many of them left swimming in the talent pool. The majority of available workforce want the flexibility to work remotely, mental-health support, and a manager who cares about them as a person.

The Great Rethink

For employers, it’s time to decide if you are willing to do what it takes to stay in business. For example, if you have a crucial position that’s been vacant for at least 90 days, then it’s time to look at your employee value proposition. Have you adjusted it to meet the needs of the current talent pool? Look at your notes from the interviews of recent candidates.

What were the majority looking for?
Did they expect both career development opportunities and autonomy to complete projects?
Were they not hired because you don’t fund upskilling?
Did any decline offers because they were not willing to work 40 hours a week on site?

Evolve to Survive

If you decide to update your benefits packages, you can use the answers to the above questions as a guide to attract the talent you need. To retain the employees you have, meet with HR and evaluate your company’s culture as objectively as possible. For example, If you say you have an inclusive culture that embraces work-life balance, but penalize employees for calling out microaggressions or taking a parent to a medical appointment, then employees will quit. Not only will they leave, but other employees who observe these contradictions may resign too. If culture adjustment is a huge undertaking for you, consider hiring a consultant. Someone who is trained in managing perception, can make impartial observations, and can help you refine your approach based on the currently available talent pool.

A Better Leader

Rethinking does not mean you are weak. Rethink about it like this: we are in an age where we must learn a skill, use it, then unlearn it to learn the updated version, use it, unlearn it, rinse, and repeat. Consequently, we should not be afraid of appearing indecisive when we change long-held opinions because new data, like this is available. Rethinking means you are both a realist and an innovator.

How are you adjusting to The Great Renegotiation? Please share in the comments.

Cyber Scary

October is practically here and while that means full on Halloween celebrating for most people, in my world, it means Cybersecurity Awareness Month. You know to keep your Personally Identifiable Information (PII) like Social Security number and bank account information secret, but you have no control over those banks getting hacked by Threat Actors. Nor can your computer’s and phone’s firewalls stop every phishing email from reaching you. Last year, identity theft cost Americans $5.8 BILLION. Here are some Don’ts and Dos to protect your identity.

Don’t Believe Everything Your Phone Shows You

We’ve talked before about not clicking on links in texts or emails unless you are expecting the communication. Now cyber scammers are getting bolder. They call claiming to be a representative from your bank, spoofing the bank’s phone number so that it looks legitimate on your caller ID. They speak in an urgent tone claiming there is something wrong with your account and they need to fix it right now using your bank’s money transfer service. They instruct you to transfer money out of your account and into their holding account, but the only holding going on is the cybercriminal holding on to your money and vanishing.

Don’t Be Lazy

From January – June, 2022, 817 American companies were compromised by cybercriminals with 53.4 million victims affected. Check here for a list of the most stolen PII. Before giving any company your PII, check their website to see what their cyber defenses are. If that information isn’t on the site, ask customer service: How may attacks have they withstood? What is their protocol for notifying you that a breach happened? How often do they update and patch their cybersecurity systems?

Don’t Leave It On

When you’re not using Bluetooth-enabled devices, turn Bluetooth off. Leaving it on allows hackers to see devices that you previously connected with. They can pretend to be one of those devices to access another one and steal your PII. For example, if you have a wireless printer in your home office, turn it off when you aren’t printing. Here is a good resource for more information.

Do Enable Two-factor Authentication

When a website, for example, your bank or favorite social media platform, gives you the option to enable two-factor authentication, say yes. I know you are rarely in the mood, but the protection is worth the time it takes to set up. It will take way more time to try to get back the identity a cybercriminal stole than it will take you to wait for and input the code the company sends you.

Do Shred

If you still receive paper statements for your bank accounts, credit cards, student loans, or any documents with PII on them, then shred them on a regular basis. If you don’t own a shredder, or have a friend who will let you borrow theirs, go online and search for “community shredding events near you.”

Do Monitor Your Accounts

Ultimately, you are responsible for your own cybersecurity. If you do not currently check your bank accounts weekly, then start. If you see something weird, like a transaction you did not initiate, contact your bank and investigate. If you do not check your credit score twice a year, then start. If you have experienced an attack on your credit, consider freezing it. Freezing your credit is a bit of a task and has pros and cons. Read about them here.

What do you do to protect your PII from cybercriminals? Please share in the comments.