Lead with Passion to Reignite Business Success

Lead with Passion to Reignite Business SuccessLead with Passion to Reignite Business SuccessLead with Passion to Reignite Business Success Kaplan Excerpted with permission of the publisher John Wiley Sons, Inc., www.wiley.com, from The Business Model Innovation Factory How to Stay Relevant When The World is Changing by Saul Kaplan (c) 2012 Saul Kaplan.It happens less and less in a world of apathy. Inspire. Inspire many. But inspire toward the end game transformation.I am often asked, what is the single most important thing unternehmensverbund our economyback? Without hesitation I answer, our psychology is bad and negativism is getting in the way. We have allowed cynicism to slow progress, growth, and innovation.I am as cynical as anyone. Where I live in New England we are born with a well-developed cynical streak. In my home state of Rhode Island we have taken the art of cynicism to entirely new heights.I am convinced we wont climb out of this economic mess until we become more conf ident in ourselves, our communities, and our opportunities.Psychology matters. A strong innovation economy creating higher wage jobs results from the decisions made every day by organization leaders and entrepreneurs. It is the sum total of behauptung decisions on the margin to hire one additional employeeor to invest one additional dollar which determine the trajectory of our economy.While many factors influence these choices, in the end it comes down to psychology or confidence. We must find a way to move beyond our cynicism.The imperative is to unleash the animal spirits. John Maynard Keynes had it right in his book, The General Theory of Employment, Interest, and Money, when he described animal spirits as the emotion that influences menschlich behavior measured in terms of consumer confidence.Keynes got the math right. Positive activities depend on spontaneous optimism rather than mathematical expectations. Our decisions to do something positive can only be taken as the result o f animal spirits, a spontaneous urge to action rather than inaction, and not as the outcome of a weighted average of quantitative benefits multiplied by quantitative probabilities. Amen.Keynes stood on the shoulders of earlier philosophers who also asserted that psychology matters. David Hume, one of the most important historical contributors to Western philosophy, has been credited with laying the foundation for cognitive science.In his seminal work, A Treatise of Human Nature, Hume lays out his framework for a naturalistic science of man that examines the psychological basis of human nature. His views in 1739 were heretical and in direct opposition to the prevailing views of the rationalists, exemplified by Descartes.Hume concluded that belief rather than reason governed human behavior. I love Humes famous quote, Reason is, and ought only to be the slave of the passions.Before accusing me of being Polyanna-ish (optimist for sure) or having my head stuck in a history book (only par tially stuck), consider what is going on around you.Everybody is pointing at everybody else. Its the governments fault. Its the big bad industrial complex. There arent enough resources to go around. Democrats and Republicans are beating each other up incessantly while nothing changes (a pox on both of their houses). Change is hard. Life isnt fair. And so it goes. Add your barriers and excuses here. Can we move beyond admiring the problem now? How we love to admire the problem.Enough already.We have an incredible opportunity in front of us. We must overcome our cynicism and bring passion to the fore as we optimistically try more stuff. Sure there are challenges, but we live in a technology-rich era with an unprecedented opportunity to enable purposeful networks focused on solving the big issues of day.Clay Shirky has it right in his books, Here Comes Everybody and Cognitive Surplus. We are connected, communicating, and leveraging social media platforms in powerful new ways.Collective ly we are blessed with a cognitive surplus that is huge, obvious, and accessible to solve real-world problems and redefine how value is created, delivered, and captured.We just need to get on with it.Author BioSaul Kaplan, author of The Business Model Innovation Factory How to Stay Relevant When The World is Changingis the founder and chief catalyst of the Business Innovation Factory (BIF), a real-world laboratory for exploring and testing new business models and social systems. Saul shares his innovation musings on Twitterand his blog, Its Saul Connected, and as a regular contributor to the Harvard Business Review, Fortune, and Bloomberg Businessweek.

Sample Resume for Classroom Teacher Job Position

Sample Resume for Classroom Teacher Job PositionSample Resume for Classroom Teacher Job PositionCreate this Resume Josefa Musser3019 Cityview DrivePhiladelphia, PA 19103(111)-495-6038j.mussersmail.comObjectiveAn education professional seeking a position as a Classroom Teacher in an educational institution to provide knowledge and skills to students. Summary of QualificationsProficient in computers and other education tools (Digital Tablets, Visual Media, etc)Knowledge in teaching techniquesSkills in providing high quality teachingAbove-average communication skillsGood organizational and time management skillsPatient, great perseverance and passionate Professional ExperienceClassroom Teacher, January 2007 Present St Marys Elementary School, Los Angeles, California ResponsibilitiesTaught primary students about discipline, proper decorum and cleanliness.Prepared lesson plans and educational extra-curricular activities to enhance learning.Planned class projects and field trips.Prepare d and evaluated examinations of students and scored them accordingly.Facilitated parent-teacher meetings.Provided materials and resources for students to explore.Nursery Classroom Teacher, March 2004 December 2006 Little Tykes Nursery, Kansas City, Missouri ResponsibilitiesOrganized activities such as games, arts and crafts, music, and storytelling.Monitored childrens use and care of school equipment and toys.Supervised, evaluated and planned cascading of tasks for teacher assistants and volunteers.Attended parent-teacher meetings and served on committees as required.Assigned various activities to children to arouse their interests.EducationMasters Degree in Education, 2004University of ArizonaBachelor of Science in Education, 2001University of Arizona Customize ResumeMore Sample ResumesCisco Network Engineer Resume City Administrator Resume Claims Analyst Resume Classroom Teacher Resume Clerk Resume Clerk Typist Resume Clinical Pharmacist Resume

How to Showcase Your Unpaid Work on Your Resume

How to Showcase Your Unpaid Work on Your ResumeHow to Showcase Your Unpaid Work on Your ResumeYouve probably done unpaid work at some point in your life. Maybe you volunteered in high school or college at the school putting on events or did something external like mentor underprivileged youth. You may have held unpaid internships. Now out of school, perhaps you volunteer regularly or a few times a year in your community or at your place of worship. Many of you hold positions on local committees or in organizations.While this work is not paid, its no less important than paid work. Forget about distinguishing between the two when it comes to telling your work history. Think of them as one and the same. If you must list salary on an employment application or its requested for a federal resume, include that information, but for all other purposes, paid and unpaid work is equal. Below are different types of unpaid work and how to include it on your resume.See 8 Ways Millennials Can Build Leadership Skills.High School and CollegeHere are some examples of external unpaid work you may have undertaken while in school Internships Volunteering in the local communityHow should you feature this information on your resume? If youve graduated within the last five to 10 years, you should definitely include your volunteer work in the local community and internships on your resume. These should go in the body of your resume if you have a significant amount of unpaid experience or its at well-known organizations. Include a few bullets to describe what you did in each case and the purpose of your work. If you have enough relevant work experience to forego including details on your unpaid work, you can simply list directly under your main job descriptions your internships with basic details such as title, organization, location and years held.Reflect volunteer work in the local community at the end of your resume under Additional Information with your role and the name of the organ ization. If you did a significant amount of volunteering or held a leadership position with respect to organizing such work, you should highlight it more prominently. One way to do this is to call this section Community Leadership and include a bullet or two about the work you did and the impact it had or was intended to have.See The 25 Highest-Paying Jobs That Dont Require a College Degree.Here are some examples of school-based unpaid work you may have undertaken Serving on a committee Filling a leadership role in a student organization Mentorship of students Fraternity/sororityHow should you feature this information on your resume? If youre only five years or less out of school, you can put this information directly under Education and your applicable school information. Include specific details of your work and its impact under each role. If youve been out of school for over five years, weigh the amount of your volunteer work and its current significance to your career in order t o decide whether its worthwhile to include.Outside of WorkOnce youre far beyond school years, you can be more strategic about the portrayal of your volunteer experience. If you hold leadership roles in the community, you may want to create a section after Work Experience entitled Community Leadership and list the details of your roles. For other types of volunteer work, simply list it under Additional Information at the bottom of your resume include the organization and your role. If you havent volunteered for an organization within the past few years, it probably doesnt make sense to include it.See The 25 Best Social Services Jobs of 2017.Taking Time OffThere are many reasons for taking time off work having children, caring for elderly relatives, dealing with an illness, etc. If youve taken on volunteer work during this time (anything from work in schools to religious organizations), include it as you would any job under Work Experience. Be sure to put together a few bullets to de scribe the work you did and its purpose or impact.Changing Careers?If youre switching careers to the nonprofit sector or anything that requires a volunteer base, its even more important to showcase your unpaid work. You might consider putting a Volunteer Experience section directly under your Career Profile at the top of your resume to ensure its not missed when you submit your application. An employer needs to know that you understand that world in order to break into it.

3 Ways Building Trust Will Get You Hired

3 Ways Building Trust Will Get You Hired3 Ways Building Trust Will Get You HiredAs heard in a recent job-search workshopParticipant Just get me an interview, and Ill get the job.Leader OK. How are you sure that one will lead to the other?Participant Ill show my enthusiasm and just tell them how great I would be for this job Leader And they will believe you why?Participant What do you mean by that? I have a right to be trustedNot so much Your reputation for being the go-to person and the faith that people have had in you up until now dont automatically transfer to new people in new companies. Unfortunately, you have to go back to square one and build your reputation from the ground up once again. Arthur Ashe, the great tennis player, put it this way Trust has to be earned and should come only after the reisepassage of time. It might be that you are a perfect fit for that ideal job you are pursuing. Even so, it is necessary to build confidence in your abilities at every stage of the hiring process in order to seal the deal. Ultimately, every offer of employment should be seen as a hiring managers statement of trust I believe you can do this job better than anyone else I can hire, and therefore I want you on my team A leader in one federal agency recently confided that it frequently takes his department a full year to complete all the reference and background checks necessary for a candidate to earn the trust necessary to be hired. Of course, in most other areas, the process is not nearly so long, but it still takes time to complete. Think about ways in which your cover letter,rsum andinterviews all play into that larger trust-building objective.1. Credibility. You need to demonstrate why you should be taken seriously. Does your writing present a clear message that conveys your value? Do you present yourself as a true professional? Do your claims pass the this stands to reason test? Do you claim expertise, or do you build the case to show you have it?Are you boisterous in your assertions, or do you back them up with facts?Are the promises you make for the work you can produce realistic?Can you show the credentials necessary to claim expertise in your field?2. Integrity. Its unlikely that anyone will ask outright for you to prove your professional integrity. And no one is likely to say in an interview I cheated my way to where I am. Yet, many skilled interviewers have the ability to give candidates enough rope to hang themselves.Are you honest enough to admit your flaws when asked for your areas of weakness and show how you turn them into strengths?Are you willing to shoulder your share of responsibility when talking about something that didnt turn out the right way?What do you say about the boss you hate or the co-workers who fail to live up to your expectations?3. Reliability. In order to show that you will be reliable in the future, demonstrate how you have been so the past.CAR (Challenge-Action-Result) statements on arsumcan go a long way toward this. Explain what you were mandated to do within what limits, how you went about the task and what you achieved. Who wouldntwant to hire a candidate who has a record of being on time and under budget on a regular basis? Show reliability by establishing and meeting realistic expectations. When you tell people what to expect and when to expect it, and then deliver on your promise, you gain a track record of success. It is perfectly fine to talk about an employers goals with time frames in an interview. Sometimes they will knowingly platzset unrealistic expectations in order to determine how much you will bend yourself into a pretzel to say yes to everything. You can respond honestly in a situation like this by saying, I understand and share your objective. However X, Y and Z factors might make a different timeline more achievable and realistic. And then you can clinch it by saying I can promise you my absolute fullest efforts, but dont want to over-promise on a timeline that I honestly dont think can be met. When you think about it, the glue that holds any relationship together is trust. And no one wants to risk hiring someone who hasnt shown trustworthiness. Frame your stories and messaging to demonstrate this critical personal characteristic, and youll be well on the way to building a long-lasting relationship. Happy huntingArnie Fertig, MPA, is passionate about helping hisJobhuntercoachclients advance their careers by transforming frantic Ill apply to anything searches into focused hunts for great fit opportunities. He brings to each client the extensive knowledge he gained when working in HR staffing and managing his boutique recruiting firm.

What Pros Are Not Saying About Resume Summary Examples for Students and How This impacts You

What Pros Are Not Saying About Resume Summary Examples for Students and How This impacts You Get the Scoop on Resume Summary Examples for Students Before Youre Too Late Instead, utilize a career summary or a career profile to highlight the particular skills that you are able to bring to the employer. Resume objectives are from time to time regarded as the old schooltype of resume. Concentrate on Your Goal The best summaries are targeted on one career objective. It is possible to mention your upcoming education plans too. If you dont have an amazing summary, however, the excess work theyll have to set in to review the resume will diminish your chances. The resume summary will function as their sales pitch. Some jobs require a certain quantity of travel on a normal basis. No matter whether youre searching for an entry level job or larger career advancement, you most likely already understand how important your resume can be in your search to discover the ideal job. Furtherm ore, look at the subsequent additional blurbs you may want to improve the conclusion of your professional overview to further clarify your intent and value. In general, the second summary tells us 90% of that which we will need to know more about the applicant in only a few clear sentences. Whilst you write your summary for your resume, attempt to consider what you want them to discuss with you, and what exactly you desire an opportunity to discuss. When writing your statement, its important to contemplate where youre in your professional progression. You must have five objective statements. You must compose a personal statement for your resume and are searching for examples. The most importing thing to keep in mind when writing a resume summary statement is that it must be relevant to the position youre applying for, it should tailor to the particular job listing. If you dont have a summary, then, by default, youre positioned by the previous job you held. To pinpoint what make s an excellent summary, you first should put yourself in the employers shoes. Heres What I Know About Resume Summary Examples for Students Managers and executives should concentrate on business skills in addition to technical expertise even should they fall into a technical industry. If you would like your staff accountant resume to stick out from the rest, then be certain to list all your skills in support of the organizations fiscal efforts. Resume is a sort of document employed by individuals that are seeking for employment. Heres What I Know About Resume Summary Examples for Students Youve got unique abilities and experiences that will interest the employer. In spite of no experience, you still ought to show experience. There are methods to work around a deficiency of experience, just because there are means to work around a scarcity of relevant education. Stressing Other Qualifications whenever you have no appropriate work experience to highlight, you will need to stre ss other relevant qualifications. The majority of the recruiters spend some time behind each resume. While just one page, it covers the consolidated info to rapidly create interest. Select the format in accordance with your qualifications, selecting the ones that you believe will assist you in the most optimization of your job-relevant skills. Examples of different sorts of schedules for interview are observed in the page to aid in the better comprehension of an interview schedule and the way that it is structured. The Ultimate Resume Summary Examples for Students Trick Thinking through your summary isnt simple, but it focuses your whole job hunt. Summaries are the addition of choice unless youre a recent college graduate and dont have much to summarize. The resume summary is simply a bridge to have the hiring manager in your experience. An interview may also be needed to land the job, but a resume is vital to begin the procedure. Leadership doesnt have to be in a job to h ave the hiring managers interest Every ideal Staff Accountant resume needs an ideal Staff Accountant cover letter to go for it Resumes give potential employers a means to learn about applicants quickly and readily, and theyre your very first step toward new job opportunities. All About Resume Summary Examples for Students The point is to organize all of the data in a manner that immediately captures the readers attention, to be certain that the whole summary becomes reviewed. To put it differently, your purpose is to have a job. Youre going to compose a resume summary which gets many more interviews. This guide will provide you with the advice you need to compose an outstanding resume summary statementand tell you exactly what to include, what things to avoid and the way to advertise your resume from the very beginning for your perfect job. Generally, you always need to concentrate on putting your most powerful information first. If youre unsure what to write, highlight y our skills employing a number of bullet points. You merely receive a very short quantity of time to produce an impression and a well written resume summary can make a big difference. Its helpful to have a look at student and part-time resume examples to find some ideas about what a superior one contains.

How to Turn a Temp Job Into a Permanent One

How to Turn a Temp Job Into a Permanent One A volatile global marketplacehas forced the typical companyto become more adaptable and agile, but this has also led to a loss of job stability. Firms are cutting back on permanent employees and making more use of contingent workers, including freelancers, parte-timers, and temps. Forty percent of workers in the U.S.now have contingent jobs.This is not asbad as it may sound. Many workers actually prefer these more flexible work arrangements, and the contingent labor economy benefits them greatly. Still, there is a large and cohort of workers about 45 percent by some estimates who crave permanent, full-timework. In an increasingly temporary employment market, those of you looking for permanent jobs will need to work hard than ever to find them.Ironically, one way to beat the odds and findpermanent work actually involves takingon a contingent role.That might sound a little crazy, but temporary workactually be a very sensible stepping stone to a permanent role.If you want your temp-to-perm tactic to work, youll need to abflug planning your moves long in advance. During your job search, you should favor employers who have a track record of turning temps into full-timers and the necessary resources to do so. If you make a habit of temping in firms that dont typically allow that career path, youll be stacking the odds against yourself.If, on the other hand, you seek out temp roles that actually have the potential to turn into permanent ones, then the battle is already half-won. All you have to do now is show the organization that you are worthy of permanent work.Here are three ways to help you demonstrate your worth1. Be aPlug and Play CandidateWhat qualities does atemporary worker need to possess in order to be seen as brilliant? Well, since temporary workers are often drafted during crisis situations, qualities such as reliability,, flexibility, enthusiasm, and being a self-starter are at a premium. Being a plug and play candidate means being able to quickly get up and running in any situation. If you can do that, youll surely capture the organizations attention in a positive way.2. Go the Extra MileAnother way to get noticed is to go the extra mile. What does that mean? It means finishing all your assigned work and asking for more.If theres no extra work, create it. Are there broken things that need fixing? Inefficiencies that can be eradicated with software or newapproaches? Taking initiative will get you noticed, and youll quickly accumulate advocates for your permanent employment.3.Make It Clear That You Want to Progress in the CompanyIf you work with a staffing agency, make sure the agency knows that you want to get a permanent job. Youragent may be aware of permanent opportunities to which they can refer you.But dont stop there. Tell your bosses and colleagues at the organizations where you are placed that you want to become a full-timer. Prepare an elevator pi tch on why you would be a good full-time employee, and be ready to deliver it at every opportunity.You should also network like crazy, attending after-work drinks and lunch-and-learns and joining any relevant work-relatedclubs or committees. Networking extra hard will make you feel like a part of the organizational family. That can be very powerful for your careerResearch shows that employees oftenchoosecandidates based on culture fit,and your social activity will give you a good opportunity to demonstrate how well you fit in at the company.Many firms like temp-to-permanent arrangements because they allow organizations to try employees before they buy them. However, you cant expect to waltz into a temporary job and automatically earn yourself a permanent role.You are being auditioned, and youll need to make sure you give a great performance.

Here are peoples biggest coworker pet peeves

Here are peoples biggest coworker pet peevesHere are peoples biggest coworker pet peevesDo you sit next to someone who chews loudly? Do they type louder than thunder? Do they eat food that smells up the whole office? Weve all had an issue with a co-worker at one point or another.Ladders went out to ask people what bugs them about the people in their offices.

Manage Employer Branding

Manage Employer BrandingManage Employer BrandingManage Employer Branding/*MAIN CONTAINER*/.article-content .img-caption img margin 0 0 25px 20pxQGP_containeroverflowvisible margin0px autowidth100%media (max-width 575px) QGP_container overflowauto /* these make the icon tables reponsive to avoid the horizontal scrollbar */QGP_container table width autoQGP_container table td floatleft/*QUICK GUIDES*/QGP_quickguideswidth100%overflowvisible margin-bottom15pxQGP_quickguides_hfont-size14px font-weightbold color673694 padding-bottom10px QGP_quickguides_imgfont-size20px color212121 line-height50px padding-left0px font-weightbolddisplaynoneQGP_quickguides_img + br /* temporary until removed so theres no potential br issues */displaynone QGP_quickguides_listboxoverflowhidden padding3px margin-top5pxmargin-bottom10pxQGP_quickguides_listbox ulmargin0px padding0px list-stylenoneQGP_quickguides_listbox ul limargin0px padding0px 0px 0px 0px list-stylenoneQGP_quickguides_list1,QG P_quickguides_list2,QGP_quickguides_list3,QGP_quickguides_list4 width24%padding0floatleftQGP_quickguides_bottompadding10px 0pxdisplaynoneQGP_quickguides_notesfloatleft padding-left10px color666666 font-size11px displaynoneQGP_quickguides_readericonfloatright padding-right40px/* LINK STYLES */a.QGP-linklink, a.QGP-linkvisitedfont-size14px color0161b2 padding-top10px padding-bottom10px text-decoration underline line-height20pxa.QGP-linkhover text-decoration nonea.QGP-clickherelink, a.QGP-clickherevisitedfont-size11px color0161b2 text-decoration underlinea.QGP-clickherehover font-size11px color0161b2 text-decoration none.QCP_blach13font-weight400 displaygruppe line-height20px/*WELCOME TO MONSTER*//*PRODUCTS*//*POSTING JOBS*//*GETTING HELP*/QGP_wtom,QGP_mps,QGP_pjs,QGP_ghp overflowhidden floatleftQGP_wtom_mcontainer,QGP_mps_mcontainer,QGP_pjs_mcontainer,QGP_ghp_mcontainer margin0px auto overflowvisible width100%QGP_wtom_mcontainer + p,QGP_mps_mcontainer + p,QGP_pjs_mcontai ner + p,QGP_ghp_mcontainer + p margin-top0QGP_wtom_h,QGP_mps_h,QGP_pjs_h,QGP_ghp_h line-height26px font-size16px color212121 margin-bottom10pxmargin-top10pxpadding5px 15pxbackground-colorF2F2F2QGP_wtom-box,QGP_mps-box,QGP_pjs-box,QGP_ghp-box displayinline-tableoverflowvisiblewidth100%margin-top20pxbackgroundurl(//media.newjobs.com/cms/usen/employer/image-othersizes/v-live.jpg) repeat-y center topQGP_wtom-box-left,QGP_mps-box-left,QGP_pjs-box-left,QGP_ghp-box-left floatleft width47%QGP_wtom-box-right,QGP_mps-box-right,QGP_pjs-box-right, QGP_ghp-box-right floatright width47%media (max-width 480px) QGP_mps-box-left, QGP_mps-box-right, QGP_wtom-box-left, QGP_wtom-box-right, QGP_pjs-box-left, QGP_pjs-box-right, QGP_ghp-box-left, QGP_ghp-box-right widthauto QGP_wtom-box background none /* To make table icons responsive (IF html is not changed) */.training-icon-links list-style outside none none margin-left -5px pad ding-left 0.training-icon-links li display inline-block padding-left 5px padding-right 5px.training-icon-links li fa color428bca.training-icon-links li a color428bca font-size26px/* from default bootstrap since its not coming through */.list-unstyled list-style outside none none padding-left 0In todays competitive recruitment market, a companys brand means everything to candidates. 69 percent of job candidates would not even take a job with a company that has a bad reputationeven if unemployed. Thats why weve teamed up with kununu, the largest employee review platform in Europe, to offer them more control over the way candidates view their brand.Let help you showcase, monitor, and fortify your employer brand. So more potential employees who are the right fit can find your company as a natural part of their journeyEmployer Branding Checklist Follow these simple best practices to promote your company as an employer of choice, and find out how you can make an impact today.Premium Company ProfileSee how you can put your employer brand, company culture and values on display. Add your videos, social media links and photos and youll help qualified candidates discover everything you have to offer. Branded Job TemplateBranding has become an essential part of driving applicant responses and this template has it all. Learn how you can transform your job ads with your logo, images, videos and more.Basic Company ProfileWell show you how to showcase your logo, company information and more within a Basic Company Profile. Its a great way to build your online presence and let candidates learn more about your company.Back to top

Things you can do today to feel better about your money worries

Things you can do today to feel better about your money worriesThings you can do today to feel better about your money worriesMaking your money stretch far enough can sometimes feel like an impossible task. If you feel like you dont have control over your finances, here are 9 things you can do today to feel better about your money worries.1. Identify the cause of the worryWhat is it that is causing anxiety? Identifying the cause of money worries can help you formulate a plan.Your expenses are more than your incomeyou spend more than you earnYou cant seem to saveyou live payday to payday and find it impossible to saveJob loss or redundancybeing out of work, even temporarily, can cause financial stressDebtif youve borrowed more than you can afford to pay back, you could be struggling to manage your debt2. Face your fearsThe worse thing you can do is avoiding the problem. If you cant pay your debt, then speak to the lender and find out if there is an alternative payment plan or seek pro fessional advice. Dont let the problem get out of control.3. Stay healthyAnxiety can have a knock-on effect such as lack of sleep or loss of appetite. Some people find themselves eating more and consuming more alcohol. All of these things could make your situation worse. You need to look after your physical health or the added stress could make you ill.4. Focus on what you can change todayIf you cant resolve a problem, then worrying wont help. Concentrate on taking positive actions and focus on things that you have control over.5. Dont obsess over moneyMoney is not the most important thing in the world after all. Constantly thinking about all the things you cant afford and all the things you wish you had isnt productive whatsoever. Focus on the good things in your life friends, family, good health, your job, hobbies. Work on changing your mindset to the positive.6. Budget your moneyWhen you feel like you arent in control, it is easy to make yourself stressed. If you dont control you r spending, this could be the cause of your money worries. Take some time to make a realistic budget, setting out how much you will spend on bills, food, petrol, clothing and treats. Once you have a plan, make sure you stick to it.7. Spend less than you earnIf you arent tracking what you spend money on, it can be easy to spend more than you realise. Keep a record of what you spend and work out where you can cut back. Could you take a packed lunch instead of buying lunch every day? Could you walk more tosave money on petrol? Maybe you could suggest a night in with friends rather than spending money on a night out.8. Be honest with yourselfLook at your income and your outgoings. Where are the problems? You need to be honest with yourself about what actions you can take. Do you need to cut back? Is your spending out of control? Are you wasting money? Have you borrowed more than you can afford?9. Ask for helpTheres nothing wrong with asking for a little help and support if you need it. Simply talking things through with a friend or family member can help you feel better. Alternatively, it might be time to speak to a professional debt adviser or financial specialist.Citizens Adviceis a good starting point.At Morses Club, for example, the team specialize insmall cash loansto help with unexpected expenses. Here, they assess each application in person, based on your individual circumstances. In some cases, the team can offer loans to those who have been refused leistungspunkt from another lender which is a big plus for some. This isnt guaranteed however but, if youve been considering bad credit loans, then Morses Club may be able to help.For example, take a 200 loan repayable over 20 weeks at just 15.00 per week. Rate of interest would be 130% p.a fixed Representative 756.5% APR, Total Amount Payable comes to 300.This article was originally posted on YourCoffeeBreak.co.uk.