Mental Health – Page 3 – mardihumphreys.com

All Your Call

What does self-care mean to you? Is it a spa day? Is it organizing your desk? Is it playing Baldur’s Gate 3? Self-care is intentionally preserving and enhancing your physical, mental, emotional, and spiritual health and well-being. For you, a spa day may be the perfect self-care ritual. For your work bestie, taking time to declutter their workspace is self-care. For another coworker, choosing their own adventure in a role-playing video game is self-care. What works for you may not resonate with your teammates. Tune into your unique needs and make choices that align with your well-being.

Taking time for self-care can make you feel guilty, but prioritizing your health is not a luxury. It is the foundation of healthy work-life integration. Discovering your unique self-care routine is a process of trial and error. Explore different activities and be open to reassess what truly brings you both joy and balance. Here are some suggestions.

Meditate: Use a guided meditation app, deep-breathing exercise, or find a quiet space and write a 250 word reflection. Taking a few moments each day to practice mindful meditation can help calm your mind, reduce stress, and improve overall mental well-being.

Exercise: Whether it’s going for a walk, attending a fitness class, or practicing yoga, exercise not only promotes physical health and good sleep but also releases endorphins. These are “feel-good” hormones that positively impact your mood. Regular physical activity uses your body to take care of your mind.

Sleep: Speaking of sleep, sufficient and quality sleep is a highly underrated form of self-care. Try to go to bed at the same time every night and get up at the same time every day. Create a comfortable environment by adjusting the room temperature, noise level, amount of light, and all the variables that help you get an adequate amount of rest each night.

Detox: Take a break from the constant influx of information from your digital devices. Put your screens away an hour before bedtime and read a book. Avoid social media for a weekend. A digital detox increases your mental clarity and reduces your stress.

Create: Paint, build a model pirate ship, or play a musical instrument. Whatever your outlet for self-expression and emotional release is, make time for it. Such activities are therapeutic. They allow you to process your emotions and tap into a part of yourself that your work-life responsibilities may not use.

Nourish: Fill your body with high quality fuel. Replace that doughnut with blueberries and low-fat yogurt. Go meatless for one meal a week. Instead of snacking on potato chips, try almonds. Take time to read nutrition labels. When you consume food and drinks that are low in simple carbohydrates and sugar you are literally taking care of yourself.

Connect: Maintain key relationships. You can hang out in-person, videoconference, text, or call. Whatever medium allows you to spend time with the people you love helps you maintain a sense of belonging, support, and emotional fulfillment.

The next time you wonder, “Is this self-care?” remember that you get to make that decision guided by your unique needs, desires, and understanding of what makes you feel well. You may find extra time on your hands this week between Christmas and New Year’s Day. If so, please use it to do something that makes you feel good. Even if that something is nothing at all.

What will you do to take time for yourself this holiday season? Please share in the comments.

The Catch

Here in the technology space there is a lot of murmuring around unlimited Paid Time Off (PTO) as an employment benefit. As of October 1, 2023, 43.16% of job listings in the technology sector offered unlimited PTO. Is it the answer to better work-life integration and increased job satisfaction?

Employers

Productivity: You want to enhance employee well-being, but unlimited PTO inherently carries the risk of abuse. A sudden surge in leave requests can halt delivery on a contract. Traditional PTO policies provide structure for you to manage workloads effectively. With unlimited PTO, how do you both anticipate and mitigate potential gaps in staffing? How does this unpredictability affect project timelines?

Policy: The absence of a clear legal framework can lead to potential disputes with your workforce. The United States does not legally require paid time off for workers, so it is a business expense for companies that offer PTO to employees. Unlimited PTO must have an expiration date so you can budget. Many states expect businesses to pay out earned time off when an employee leaves the organization. In August, CBS News reported that American companies are carrying about $224 billion in liability for employees’ unused PTO. If employees are not earning PTO, then companies do not have to pay them for what they do not use. How will you address employees’ expectations of getting paid for unused unlimited PTO?

Employees

Panic: How do you know how much time off is too much? Last March, Forbes found that employees with unlimited PTO only take 10 days off annually. Why? Fear, too much work to do, and pressure from their managers because of the timing. When employers do not have rules around PTO, every request is a negotiation and instead of a contractual term of employment, time off becomes a moral issue. Can the company afford to pay you to not work? If your manager thinks you take too much time off, does that negatively impact your next promotion?

Peers: You may feel compelled to match your teams’ work habits. But accumulating significant amounts of unused time off can lead to burnout. Do your coworkers grumble about filling in for you? Will you be labeled a slacker if you take extended time off?

Both

Expectations: The goal is to balance the employer’s need for productivity and the employee’s desire for flexibility. Establish transparent guidelines outlining expectations for both individual contributors and managers. Clearly communicate that taking time off is not only acceptable but also encouraged for maintaining healthy boundaries.

Check-In: Schedule regular check-ins to assess workloads, stress levels, and job satisfaction. Encourage open communication between teams and managers to address concerns and prevent burnout.

Train: Equip managers and individual contributors to effectively navigate the challenges of unlimited PTO policies. Help supervisors acquire skills to manage workloads, plan for time-off coverage, and create an environment that values both productivity and employee well-being. Clearly communicate unlimited PTO policies to your workforce.

Adjust: Conduct periodic reviews of the unlimited PTO policy to assess its impact on productivity and employee satisfaction. Employers need to be willing to continuously improve the policy based on employee feedback and changing organizational needs.

While unlimited PTO seems like a perfect solution to work-life integration, it comes with its own set of challenges. Striking the right balance between flexibility and productivity requires thoughtful implementation, clear communication, and a commitment from both employers and employees to make it work.

Does your organization offer unlimited PTO? Please share your experience using it in the comments.

Take the Stage

We talk a lot about mindset because it’s one of the keys to making wise choices. This week, let’s explore “main character energy” mindset. What is it? How can you use it to advance your career?

What It Is

In a play, novel, or movie, the main character is the focal point of the story. Their actions drive the plot forward. Main character energy (MCE) is seeing yourself as the central character in your life’s story. It encourages you to step into your own narrative and acknowledge that your choices and behaviors are instrumental in shaping your future. Here are some key characteristics of MCE.

Self-Aware: Main characters understand their strengths, weaknesses, and values. They use their past experiences as stepping stones for growth.
Proactive: Main characters create opportunities and take calculated risks. They realize setbacks are a part of life and bouncing back is necessary.
Change: Main characters evolve throughout their stories, adapting to new situations and growing from their experiences. They are open to change and embrace it as a chance for continuous improvement.
Purpose-Driven: Main characters have a goal, a mission, or a vision that guides their actions and decisions.
Confident: Main characters believe in themselves and their abilities, even when faced with doubt or criticism.
Accountable: Main characters don’t blame external factors. Instead, they take responsibility for both their behavior and their choices. They own their mistakes, learn from them, and use them to move forward.

How to Use It

Self-Awareness: Reflect on your strengths, weaknesses, and values. Understand what motivates you, what you’re good at, and what you’re passionate about in your career.
Initiative: Don’t wait for opportunities to come to you; create them. Seek out high-visibility projects. Build your skills with trainings that align with your goals.
Purpose: Ask yourself what you want to achieve and why it matters to you. Clarify your purpose and set clear career objectives.
Vision: Just like a main character embarks on a quest, visualize your career journey. Where do you want to be? How can you get there from where you are? Break the path down into achievable milestones.
Challenges: Use the difficulty. Instead of avoiding challenges, embrace them as opportunities to showcase your resilience and problem-solving abilities. Main characters mature throughout the story. Have a positive attitude when adapting to new situations and hold yourself accountable for your decisions and performance..
Self-esteem: When you doubt yourself, pull up your Atta Baby! file and remember your achievements. If you’re struggling, find a career coach.
Network: Main characters often rely on allies and mentors. Connect with people who can support your career journey, provide guidance, and open doors.
Celebrate: Acknowledge and celebrate your career achievements, no matter how small. Main characters draw on these recognitions to keep going.

Your career is a major plot line in your worklife story. Write it according to your vision and goals. Embrace your role as the main character and make your story matter.

How do you portray yourself to yourself in your worklife story? Please share in the comments.

Overthinking is Scary

Mom texted me a photo of a new shirt she bought. The caption on the front says, “Hold on, let me overthink this.” It’s perfect for Halloween. What’s more scary than your imagination?

Overthinking is like overcooking. When you overcook something its quality decreases and it doesn’t taste as good as it would have if you hadn’t overcooked it. As you attempt to make the best decisions and achieve your worklife goals, how do you avoid getting trapped in the web of excessive overthinking? Let’s talk about how to recognize overthinking and ways to stop.

Symptoms

Dwelling on a single situation to the point where it becomes counterproductive
Ruminating on past events
Second-, third, and/or fourth-guessing your choices
Dissecting every possible aspect of a problem
Having trouble focusing on the job at hand
A persistent knot in your stomach and/or a constant low-grade headache
Making decisions, even simple ones, feels overwhelming
Lack of self-confidence
Negative self-image
Questioning the intentions of your coworkers
Perpetually seeking validation from your manager

Strategies

Goals: Having a clear sense of purpose can help you stay focused and reduce the temptation to overthink. What can you do right now to get closer to your objectives? For example, if your goal is to move from inside sales to account management, then befriend an account manager. Some action steps may be identifying a mentor, scheduling an informational interview, and requesting a ride along.
Limits: Allocate a specific amount of time to think about a particular issue then commit to making a decision within that timeframe. This forces you to be more efficient in your thinking.
Mindfulness: Techniques like meditation and box breathing can help you stay grounded, reduce the urge to overanalyze, and help you manage stress.
Reflection: Seeing what you’re thinking helps you redirect your thoughts. When you get the fear out of your head and onto the page, it shrinks.
Feedback: Getting input from trusted teammates or your supervisor regarding complex decisions can provide valuable perspectives and help you make more informed choices. Save this strategy for decisions that will result in having a big impact.
Process: Develop a systematic approach to decision-making. List your options, weigh the pros and cons, and set a deadline for making choices.
Data: You have access to an overwhelming amount of information. Be selective about the data you consume, and avoid endlessly researching a topic.
Move: Physical activity clears your mind and reduces your stress.
Kindness: Instead of berating yourself for overthinking, acknowledge it as a habit you’re working to change. Self-compassion can help you break free from the cycle of self-criticism.

It’s essential to think critically and make informed decisions but excessive analysis erodes your productivity and well-being. Control your thought processes by recognizing the symptoms of overthinking and implementing strategies to overcome it. Balance thoughtful consideration with taking action. Sometimes, the best way to move forward is to simply take that first step without overthinking it.

What do you overthink about at work? Please share in the comments.

A Good Thing

Last week we talked about adjusting our mindsets to use setbacks as pushes forward in the workplace. What could possibly go wrong? Well, too much of a good thing is still too much. If you feel compelled to continually demonstrate your value, even at the expense of your well-being, then you risk falling prey to a performance-prove mindset.

Do you feel an insatiable need for external validation? Do you have a deep-seated fear of failure? Do you make decisions that prioritize immediate success over long-term sustainability? Asking for a friend.

You are constantly under pressure to deliver results, meet targets, and drive success. While setting high standards and striving for excellence is essential, an obsessive need to constantly prove your worth through unrelenting performance hurts you, your team, and your organization. How can you tell if you have a performance-prove mindset? If you have it, how do you change it?

How You Can Tell

Burnout: Do you work long hours, neglect your self-care, ignore signs of stress and/or push through exhaustion? This not only harms your health, but also sets a damaging example for your team. These behaviors signal a burnout culture and toxic work environment.

Rut: Are you solely focused on existing methods and strategies? When is the last time you tried a solution someone on your team suggested? A performance-prove mindset often smothers innovation and creativity within an organization. It can result in failure to adapt to changing market dynamics.

Risk: Are you reluctant to take calculated risks? Are you afraid that any undesired outcome will be perceived as personal inadequacy? Risk aversion stifles your career growth and hinders your company’s ability to seize new opportunities.

Trust: Do you prioritize personal recognition over the well-being of your team? Trust is essential for effective leadership.

Short-Term: Are your decisions mostly about immediate performance metrics? When is the last time you considered how they impact the bigger picture? How often do you pay attention to your company’s reputation, customer trust, and employee satisfaction? Thinking exclusively about short-term goals endangers the sustainability of your business.

Stagnant: Do you regularly set aside time for self-reflection, upskilling, and personal development? Not doing so is an easy way to get in a cycle of proving yourself instead of continuous improvement.

What You Can Do

Focus: Align your actions with your company’s vision and/or mission statement. These touchstones should drive decision making for every employee. Doing so lessens the need for external validation, because you already know what your leaders want.

Delegate: Empower your team to own tasks and decisions. Delegating responsibility not only relieves the burden of constant performance but also fosters trust and development among team members. Remember to champion failure as a learning opportunity rather than a personal setback. Encourage a culture that accepts and learns from undesired outcomes so you can stimulate innovation and growth.

Practice: Notice when it’s happening. Regularly set aside time to reflect on why you do what you do and why you feel how you feel. This may be once a month or once a week or even once a day if the situation warrants. Writing a 250 word reflection can help you see what you think. Recognizing the root causes of your performance-prove mindset is the first step to taming it.

Do you attach your self-worth to your job performance? How are you working to change that? Please share in the comments.

Mindset over Matters

I was watching American Ninja Warrior when one of the ninjas fell off the Las Vegas course. She had gotten really far and it was a heartbreaker. As the ninja pulled herself out of the pool of water that broke her fall, the show’s interviewer approached and asked her how she felt. The ninja said she intended to use this setback as a push forward. Mind. Blown.

We’ve talked about how setbacks are inevitable, and how we should embrace failing fast, forward, and frequently. We’ve discussed how data gathered from perceived failure is crucial to the learning process. But we have not championed the mindset of framing setbacks as pushes forward. When you substitute the words “push forward” for the word “setback” you normalize the occurrence. You remove the shame surrounding it. Relabeling the undesired outcome helps you quickly pivot from crisis mode to troubleshooting. To further illustrate, here are a couple of quotes that crossed my path this week.

“I have learned to always push forward following a setback. As I tell my team (and my kids), ‘There is always a way forward’ even when things do not seem to be going our way. There are always lessons to be learned from mistakes. But at some point, it becomes unproductive and unhelpful to dwell on mistakes for too long — backward-looking thinking must quickly give way to forward-looking action. I have adopted one of the sayings from Peraton’s CEO Stu Shea: ‘Surround the problem.’ When my team hits a setback, we work together to stabilize the situation, understand what occurred, and then identify and mobilize the right people and resources to ‘surround the problem’ and move us forward.”
Jim Winner, Executive Chief Legal Officer and General Counsel at Peraton.

“I was rehearsing a play when I was a very young actor. There was an improvised scene between a husband and wife going on inside. They got carried away and they started throwing things and he threw a chair and it lodged in the doorway and I went to open the door and I’d just got my head round and I said, ‘I’m sorry, sir, I can’t get in.’ He said, ‘What do you mean?’ I said, ‘There’s a chair there.’ He said to me, ‘Use the difficulty.’ I said, ‘What do you mean?’ He said, ‘Well, if it’s a comedy, fall over it. If it’s a drama, pick it up and smash it. Use the difficulty.’ Now, I took that into my own life. You ask my children. Directly anything bad happens, they go, ‘Gotta use the difficulty. What can we get out of this?’ Use the difficulty. There’s never anything so bad that you cannot use that difficulty. If you can use it a quarter of one percent to your advantage, you’re ahead. You didn’t let it get you down. That’s my philosophy. Use the difficulty. Also, added philosophy, avoid them if you can at all costs.”
Sir Michael Caine CBE

The next time you are at work and about to say out loud, “We’ve hit a setback,” stop and think. If you substitute the words “push forward” for the word “setback,” how would it motivate your team to surround the problem and use the difficulty? Please share in the comments.

Unpleasantly Surprised

Have you ever felt like you’re riding a roller coaster without a seatbelt, blindfolded? That’s the sensation the modern work environment often induces, and there’s a term that sums it up perfectly: VUCA. It is an acronym for Volatile, Uncertain, Complex, and Ambiguous. Understanding and embracing the concept of VUCA can be the key to surviving in the constantly evolving workplace. Let’s breakdown what a VUCA work environment feels like and how to cope with it.

What it Feels Like

Volatile: Imagine waking up every morning not knowing whether the coffee maker will brew a perfect cup or explode. That’s the essence of volatility in the workplace. When change happens faster than you can say “meeting agenda,” then flexibility becomes a core capability.

Uncertain: Imagine a surprise party that never ends. That’s the essence of uncertainty in the workplace. Will your project get a green light? Will your team be reshuffled? Will the strategy you’ve been working on suddenly take a hard left turn? To thrive in this environment, you’ve got to be the MacGyver of adaptability, ready to craft a solution out of a paperclip and a piece of gum.

Complex: Imagine assembling a toddler’s toy with more parts than a Swiss watch. That’s the essence of complexity in the workplace. Departments intertwine like spaghetti, and understanding the big picture is like deciphering hieroglyphs. To conquer complexity, you’ve got to be Velma Dinkley, seeking out clues and patterns while keeping an eye out for the red herrings that can throw you off track.

Ambiguous: Imagine reading a book with pages missing. That’s the essence of ambiguity in the workplace. Ambiguity requires deciphering meaning from bits and bytes of information gathered from multiple channels. You have to piece together what your team is supposed to accomplish from various sources.

How to Cope

Develop a resilient attitude. As Rocky Balboa says, “…it ain’t about how hard you hit. It’s about how hard you can get hit and keep moving forward;” You will get mentally knocked down. Train your brain to get up again and again and again.

Embrace continuous learning. In a VUCA world, what you know today will be obsolete tomorrow. You have to learn a skill (for example a computer language), use it, unlearn it, learn the next iteration, rinse and repeat. Acquire new knowledge as circumstances shift.

Foster collaboration. Your team is in the same VUCA environment as you are. Collaborate with your colleagues, share insights, and lean on each other’s strengths to create solutions together. Iron sharpens iron. Diverse perspectives cultivate unconventional approaches to problem solving. This is how breakthroughs happen.

Practice self-care. Amidst the chaos, carve out moments of peace and quiet. Celebrate every incremental step toward your goal. You need to refresh to reduce harmful stress and recharge to make accurate decisions.

Embracing the challenges that a VUCA workplace presents can help you become antifragile. Something that is antifragile not only survives but also thrives from coping with adversity.

How do you navigate working in a VUCA environment? Please share in the comments.

Site Inspection

Last week, we looked at some ways employers can begin to solve the working remotely challenge. This week, let’s discuss your role. As an employee, you have a few questions to contemplate. Does your organization consider working remotely a privilege or a right? Are you willing to take a pay cut to work remotely? What message are you sending to your managers? Is it clear, kind, and collaborative?

Both employers and employees require communication, empathy, and flexibility to effectively negotiate. This week, let’s think about what constructive steps employees can take to help build a bridge across the working remotely gap.

Communication

Build your case for working remotely. You can include why it is best for you, but put more emphasis on why it benefits both your manager and your organization. For example, working remotely reduces your commute time. This is good for you because it saves you money. It’s good for your manager and your organization because you can spend that time working instead of commuting.
Provide data that supports your case for remote work. Pull up your Atta Baby file. Do you have any documentation of your increased productivity, successful project outcomes, and positive feedback from colleagues and/or clients from March 2020 to the present?
After gathering your evidence, schedule a meeting with your manager. Clearly and calmly present your case. Give brief illustrations of how remote work has positively impacted your work quality, efficiency, and overall well-being. Then actively listen to your manager’s perspective. Understand their reasons for wanting you in the office full-time. This can help you find common ground and empathize with their concerns.

Empathy

If your manager has specific doubts about you working remotely, address them directly. For example, if they’re worried about collaboration, share how you plan to stay connected with colleagues and contribute to team projects while off site.
Highlight how you’ll maintain accountability and meet your metrics. Describe to your manager how you’ll be available, responsive, and productive. For example, someone who emails you with a simple request on a Wednesday at 8:00am can expect a reply from you within thirty minutes.
Be receptive to your manager’s feedback and open to adjusting your proposal based on their input.

Flexibility

Suggest compromises that address both your needs and your manager’s misgivings. How about a hybrid schedule where you’re in the office for certain days or specific team meetings?
Suggest a trial period for this arrangement and ways to both evaluate its effectiveness and make adjustments as needed.
If the conflict remains unresolved, consider involving Human Resources to mediate. They can provide guidance on the interpretation of your organization’s policies.
If you and your manager come to an agreement, document the details in writing to avoid any misunderstandings later.
If you do not reach an agreement, that gives you valuable data. It shows you what your employer expects. It also reveals the conditions under which you are willing to work. You can use this information to make decisions regarding your future with this organization.

The goal is to find a solution that benefits both you and your employer, and meets the needs of your team and your organization. Effective communication and a willingness to compromise are essential for reaching a resolution that everyone can support.

How is working remotely affecting your work life integration? Please share in the comments.

The Cure

Work standards seem to change daily. For example: Should we go fully remote? Hybrid? Every employee everywhere in the office all at once? But there is a constant; the pressure for perfection. Perfectionism is like a virus spreading through your organization. Let’s talk about how embracing curiosity can help you cure it.

Help Yourself

If you feel like you have to get work done right the first time, every time, then you don’t want to work. Turning projects down puts you on the fast track to unemployment. But adopting a curious mindset puts you on the fast track to continuous improvement. Accept the project. Ask yourself, “What is the worst that could happen?” Then plan for it. Having a plan helps you build confidence and resilience.
It’s likely that the worst will not happen, but a lesser problem will. When it does, be proactive. Demonstrate you can recognize problems, reframe them as challenges and opportunities, and brainstorm ways to move forward.
Perfection is neither necessary nor constructive. If perfection is your goal, then setbacks will emotionally devastate you and eventually lead to burnout. Curiosity, however, helps you bounce back from setbacks by focusing on the learning process rather than the result. You become more adaptable and better equipped to navigate the inevitable challenges.
Curiosity drives you to explore new areas, learn from different disciplines, and consider diverse perspectives. When curiosity is a habit, you perpetually broaden your knowledge base and develop your reputation as a skilled risk taker. Perfectionists often avoid taking risks, because they are afraid they will fail and coworkers will judge them for it.
Curiosity empowers you to step out of your comfort zone and seize opportunities for professional growth. Whether it’s pursuing a new project, volunteering for a challenging task, or taking on a leadership role. This is the type of talent every organization wants.

Help Your Team

If perfection is the standard your organization expects, then your team routinely feels like they failed. Perfectionism stifles creativity and innovation. On the other hand, curiosity sparks new possibilities. When you experiment and question the status quo, you find unique solutions to problems.
You can reframe failure as a learning tool for your team. The next time a coworker is blamed for missing the target, support them. For example, at the next team meeting say to them in front of everyone, “This is great. Thank you so much for bringing this to our attention. Since that piece did not turn out the way we wanted it to, what do you think we should keep and what do you think we should try next to get the outcome the client wants?” This turns the problem into a puzzle. It diffuses embarrassment and redirects thinking toward the next iteration.
A culture that promotes curiosity over perfection encourages open communication and collaboration. When team members are not afraid to ask questions and to seek help from colleagues, it fosters a supportive work environment where knowledge sharing and ideation thrive. In such a workplace, employees are more likely to feel engaged, valued, and motivated.

Focusing on curiosity over perfection is a powerful shift in mindset that can transform your approach to work. By embracing failure as part of the learning process, you build resilience, expand your skills, and create paths for advancement.

When a project at work does not meet expectations, how do you redirect your thinking toward curiosity? Please share in the comments.

Finance is Personal

For most of us, money is not fun. You usually have to work to get it, spend some of it on things you’d rather not, and managing it can be confusing. But if you don’t manage it, then it will manage you. So, let’s simplify by putting personal finance into the 5Ws and an H framework. Who, what, when, where, why, and how should you manage your money?

Who: Everyone

What: Personal finance means controlling your income, expenses, savings, investments, and debt by making informed decisions to meet both your short-term and long-term financial goals.

When: Now

Where: There are numerous options for where to put your money to make it work for you. Traditional brick-and-mortar banks and credit unions are good for everyday transactions. High-yield savings accounts at online banks are good for longer-term savings. For investments there are apps, brokers, wealth managers, and plenty of others willing to help you. Here are some options to consider.

Why: Managing your personal finances gives you peace of mind, helps you reach financial independence and allows you to achieve your goals. Having an emergency fund and long-term savings gives you confidence to take career risks. For example, taking a job at start up or opening your own business. You have a lot of freedom when you aren’t dependent on others for monetary support. You have flexibility to choose where and how you want to live, work, volunteer, and play. Whether it’s saving for retirement, buying a house, or paying for education, managing your finances is crucial to reaching your life goals.

How:

Build a realistic budget based on your monthly income and expenses that covers all your essential needs like housing, utilities, groceries, transportation, loans, credit card balances, and emergency fund
Pay off debt particularly high-interest credit cards and loans. Make more than the minimum payment if you can. Avoid accumulating more debt unless it’s absolutely necessary. Being debt free helps you maintain a good credit score and gives you access to financial opportunities like investing
Grow your money by setting up automatic transfers to your savings account each month. Your long-term goal is to save at least 20% of your income. Eventually you can use your savings to make a big purchase like a dream vacation, a car, or whatever you want
Make your money work for you by investing it wisely. If you are a patient person, a financial advisor or wealth manager can help you choose a portfolio of stocks, bonds, and mutual funds. If retirement is many years away for you, these are good ways to grow your nest egg. A financial advisor should also be able to help you understand your responsibilities for taxes, insurance, and retirement planning

When you have control over your finances, you are empowered to handle unexpected expenses, cope with economic downturns, and secure your future.

What do you do to manage your personal finances? Please share in the comments.