12 Tips to Update Your Cash Savings Plan and Gain Peace of Mind

By Miranda Wilson on Wednesday, August 19, 2009

In these current economic times, it seems that everyone is looking for new ways to make a little extra money and save what they already have. Does this sound like you? Having money in the bank for an emergency is important, but having money stashed away in case of a layoff is equally important.

With bills to pay and things you want to buy, saving might be something you tend to push to the back burner. Or maybe you don’t know where to start when it comes to saving and you just feel overwhelmed. But, there is good news! Saving doesn’t have to be difficult or a burden. To help you develop or re-develop your own savings plan, here are 12 easy tips you can start using today to help build your emergency fund and feel good about your finances.

Rent or borrow movies from friends instead of going out to the movies.
Cook at home and take your lunch to work rather than eating out.
Limit yourself to only going to the mall once a month.
Limit how many purchases you make with your credit cards.
Give yourself a “pocket money” limit. Put your cash and loose change in an envelope and use it only for items you want but don’t really need. When that money is gone, you will have to wait until next month’s budget to make additional purchases.
Make shopping lists and stick to them.
Wait 30 days before making a big dollar purchase to think it over and make sure you really need the item.
Go to the library to check out books, DVDs, and CDs.
Make gifts for others on birthdays, anniversaries, etc.
Turn off lights and unplug electronics when you leave a room to help lower your electricity bill.
Carpool to work.
Cancel expensive gym memberships if you aren’t going frequently.

These are just a few examples of ways you can cut spending costs. You should also open up a savings account at your bank and deposit the money you’re saving in there. With your money in the bank, it will gain interest each month, helping you save more in a shorter amount of time.

Developing and sticking to a savings plan may take a little time, but it is something that you can definitely do. Start using these tips today and see how much money you can save in one month. Happy saving!

What do you think? Let us know some other tips that we can add to this savings list. We look forward to hearing from you.

The Job Search

Seeker or Sleeper: What’s Your Job Search Style

By Jennifer Kenley on Monday, August 17, 2009

Have you ever thought about the differences between superstars and slouches? We usually think about separating the high achievers from the low performers on the job, but it pertains to job seekers as well.

The three indicators discussed in The Key Differences between Superstars and Slouches can also relate to the different styles of people searching for jobs.

First, people who find jobs understand that finding a job is a full-time position. They devote an 8-hour workday to the process. They wake up in the morning, get ready for the day, and start their job search bright and early. They filter through employment opportunities, compiling a list of prospective employers to submit their résumés to. They don’t allow past failures or a sluggish economy to get in the way of finding a job.

Second, successful job seekers usually are relentless in their job search process. They pound the pavement looking for employment opportunities wherever they can find them. They don’t limit their job search to certain hours of the day. After they submit applications and résumés, they follow up with phone calls to ensure that potential employers have received all necessary documents and request a time for an interview. They don’t wait around with fingers crossed.

Third, job getters are the ones who don’t make excuses for the lack of employment opportunities. They understand the obstacles that stand in their way. Whether it’s a down economy, a competitive job market, or a lack of qualifications inhibiting their job search success, they reevaluate the situation and determine solutions.

The job search process may take longer than would have a year ago, but there are still jobs available. The difference is the job seeker. Successful job seekers process these three key elements, and the sleepers, well um, they sleep. So, don’t give up and fall into a job search slumber.

Check out your local Express office today for help in the job search process.

The Daily Grind

21 Negative Thoughts that Can Stop You in Your Tracks

By Jennifer Kenley on Friday, August 7, 2009

Do you ever think about how words impact your day? The simplest comments from co-workers and colleagues can help you have a good or bad day, depending on what was said. But, what about the words you use? Have you ever thought about how your own thoughts and words can change the course of your day and the day of others?

The power of positive thinking and speaking can impact your mood and improve productivity at work. The same holds true for negative thoughts and words and their harmful effects on your everyday outlook. Check out these 21 negative terms that can hinder your productivity, motivation, and even your success.

1. I can’t.
2. This stinks.
3. That’s stupid.
4. I can’t believe they did that.
5. I’m horrible at this.
6. No one cares.
7. This isn’t my problem.
8. Is it five o’clock yet?
9. I never…
10. That’s not my project.
11. I don’t care.
12. It didn’t work last time.
13. It doesn’t matter.
14. Why do I have to do this?
15. My job sucks.
16. This is too hard.
17. I don’t like this.
18. I don’t want to do this.
19. Who came up with this idea?
20. It will never work.
21. No one will help me.

What you say to others, and especially yourself, can either empower or unplug your progress. In order to stay happy, productive, and keep moving in a positive direction, replace your negative words with positive ones. You will be amazed the difference made on your outlook, life, relationships, and career.

Career Advancement Career Options Reader Surveys Salary and Promotions The Job Search

Recession Checkup: How’s Your Career?

By tiffany monhollon on Tuesday, August 4, 2009

Well over a year into one of the steepest recessions in decades, reports say things are beginning to look up for the economy. But, as the economy struggled, so did the workforce with rising unemployment rates, rocking the world of work from the inside out. Everyone has a different career story, and situations impact people differently, depending on personal motivations and financial situations. So, we want to know what this recession has meant to your career. Has it been a time of struggle or of success?

Your career may have been affected by several factors, but which has had the greatest influence on you – not just on your current job or financial situation, but on your whole career story? Let us know by voting in our online poll, and share your recession career stories in the comments below.

poll by twiigs.com

Career Advancement Reader Surveys Salary and Promotions The Job Search

Poll Says Degrees Still Valuable, but Readers Share Frustrations

By tiffany monhollon on Friday, July 31, 2009

In our July monthly poll, we asked readers if they thought that this year, with high unemployment rates and a highly competitive job market, higher education is still worth the cost.

The results were mixed, but 50.3% of readers said that yes, they did think higher education is still valuable in this economy. At the same time, 32.9% of readers said that they did not think higher education is worth the cost, and 16.8% responded that they were not sure.

Comments on the poll illustrated that mixed feelings run deep when it comes to the value of higher education, especially in this economy. Some shared frustration, bitterness, and even anger about attaining college and advanced degrees but still struggling in a difficult job market.

Others offered insight into the value of work experience. One shared, “I just wouldn't recommend going from undergraduate to graduate school without any real work experience. It will be even harder in my opinion when you graduate.”

Another said, “A degree doesn't provide anyone with a guarantee. It does tend to open more doors than those who don't have a degree, but that is about it.”

So, as the summer wraps up and universities prep to welcome a new wave of students, will you be joining them? If so, are you planning to work to gain experience while you go to school? Are you looking for a different way to learn about your industry? Share your higher education plans for this upcoming semester in our comments section.

Career Advancement Career Options

Not Sure About College? 3 Ways to Further Your Education

By shannon on Tuesday, July 28, 2009

GuyWLaptop As the next school year approaches, many are talking about whether or not to return to school. Some are considering another bachelor’s degree or even a master’s degree to land a better job, get ahead at work, or even change careers. But, that’s not the only way to go. If you’re thinking about going back to school this fall, check out these three different ways to continue your education without hitting the books in a university setting.

Vocational School

If you’re interested in learning a new trade or switching careers, check out the vocational schools in your area. These schools offer specific training and first-hand experience for a variety of occupations, including electricians, culinary artists, and emergency medical technicians. Plus, many classes are offered in the evenings or on a short-track, making it more convenient for working adults to complete the coursework over an abbreviated time period.

Online Courses

If you have Internet access and are fairly self-disciplined, consider registering for an online class or two. Many universities and technical schools offer a wide variety of online classes, whether you want to learn another language, improve your computer skills, or increase your knowledge about an industry. These courses are great for individuals who need a flexible schedule to complete their coursework.

DIY Learning

Studying on your own gives you the most flexibility with your schedule and the materials you cover, but you have to create your own regime. If this is your preference, start by checking out your local library, industry- or topic-specific magazines, and online publications to find credible information on subjects that you’re most interested in. Then, simply begin reading. Also, look for workshops, seminars, and training courses at little to no charge in your community through civic organizations, libraries, churches, and professional associations. You may not gain a degree or certification, but at least you’ll be able to stay up to date on the latest news for your occupation and industry.

Continuing your education doesn’t have to be a daunting task or limited to a higher-education degree. By focusing on your goal and considering your options, you can quickly be on your way to furthering your knowledge and enhancing your career, whether you choose to go back to school, take a few online courses, or study on your own.

At Work Leadership Workplace Relationships

Bad Boss of the Week: Wall Street’s Gordon Gekko

By Brie Hobbs on Friday, July 24, 2009

This week’s bad boss is corrupt corporate raider, Gordon Gekko from the 1987 film Wall Street. Gordon, played by Michael Douglas, is a dishonest Wall Street player who values the almighty dollar above all else. His unprincipled priorities leave no room to value companies or employees beyond financial profit. His love for money does not even flinch in the face of illegal activities.

Watch more Wall Street videos on AOL Video

If you’ve had a bad boss who would stop at nothing for a buck, here are some tips to help you survive the greed:

Money can be a great motivator, but it can not buy you happiness. Don’t get caught up in the highly contagious greed.
If faced with illegal or unethical demands, choose to do the right thing no matter what, even if means finding a new job.
Help your boss realize how their decisions impact others.
Find value in things outside of work.

Share your bad boss stories at www.100worstbosses.com. For more information about 100 Worst Bosses – Learning from the Very Worst How to Be Your Very Best and the Movin’ on Up Bad Boss of the Week, click here.