A financial expert shares how to save (and budget) for a vacation

A financial expert shares how to save (and budget) for a vacationA financial expert shares how to save (and budget) for a vacationMillennials are a little different from our parents and grandparents generations. We want to see the world, and we favor companies that afford us the opportunity to do so. Forbes reported that millennials spend nearly $600 billion a year, and more and more of that money spent is going toward traveling. With companies like Travel Noire or Remote Work, we are able to cultivate experiences through travel and open up our minds to something much bigger than our neighborhood or our comfort zones. We got a chance to speak with millennial finance expert Stefanie OConnell, who shared tips to keep at the top of our minds for a cost-effective and enjoyable vacation.Be flexible with your destination and do some researchIn the beginning stages of your leisure travel planning, youre more than likely going to think of destinations you would like to visit. Several things can help to make a destination look enjoyable, like the weather, the activities associated with the location, and if youre like me, the price point. When considering where Id like to go, I begin by asking myself if this trip will deplete my savings, if I can truly afford it or if I will have to eat Top Ramen when I come home.A great distributions-mix to begin answering those questions? Websites like Skyscanner, where you can see ideal travel dates for certain locations, or which places are cost effective in the months you want to travel. Other websites/apps like Hopper, Airfare Watchdog, or Google Flights can help you further identify the best timing and the costs associated with those travels. There are tons of ways to save, but you just have to do some research.Millennial finance expert Stefanie OConnell echoes that point by saying, Im a big fan of finding insider deals by scouring reviews on Yelp and TripAdvisor. I also love a good Airbnb find - both homes and experiences. Addit ionally, being flexible with when and how you travel can be a great asset during the early stages of planning. Plan trips around friends or family visits for example, using public transit, traveling in the offseason, or using deal sites on local attractions, says OConnell.You CAN save for your future and for fun at the same timeAccording to a new survey from Citi AA MileUp, 38% of consumers say that budgeting for a trip is the most stressful and least enjoyable part of vacation planning. Theres also a misconception that if you are saving for a trip, you cant save for your future. To ease that anxiety, there are a few things to consider.The best strategy for a vacation is to set money aside all year long. I recommend opening up a dedicated savings account for your vacation and travel goals and contributing a small percentage of each paycheck to it, says OConnell. Setting aside 5% or even as little as 2% each paycheck can go a long way over time. By saving for your vacations in a sepa rate savings account, youll get a clear picture of what trips you can and cant afford to take just by checking the balance of your accounts.Going back to your personal savings, OConnell says the same way in which you are hoping to make traveling a priority, you need to do the same with your personal savings goals. In the same way you prioritize setting aside the savings for your vacation, I recommend setting aside savings for your future - as a percentage of each paycheck. Better yet, automate the savings process so that as soon as your paycheck lands in your checking account, a portion of it gets automatically rerouted to your various savings goals. When you dont see the money in your checking account, youre less likely to think of it as money you have available to spend at that moment.Find a Side HustleIf you want to be like Aladdin and Jasmine and see the whole world, but your budget is saying girl, no, consider taking on a side hustle. The beauty in side hustles is that its som ething youre doing on the side and it doesnt have to take on a major time commitment like your full-time position. A great way to make your side hustle work for you is to center it around something that you actually enjoy.For instance, if youre a shopper - look into being a mystery shopper, stylist, or even selling clothes you want to get rid of on Poshmark or ThredUp. You can tutor, or write, or drive Uber/Lyft, be a book reviewer, or anything that you want to bring in extra funds. If traveling is a priority for you, you will find what works best for your situation and time. If you take on a few weekends of babysitting now, maybe you can afford that bachelorette party weekend in cash come fall - without dipping into your long-term savings to afford it, says OConnell.The silver lining at the end is that spending those extra hours per week can afford you the opportunity to go places you want like Bali, Italy, or Greece.This article was originally posted on TheEverygirl.com.

5 Negotiation Tips to Remember for Your Next Job Offer

5 Negotiation Tips to Remember for Your Next Job Offer5 Negotiation Tips to Remember for Your Next Job OfferIt is really exciting to have a job offer on the table. When the job offer includes a pay negotiation it is time to stop and think about these negotiation tips.1. Your salary looks VERY different after taxes and feesThis is so very important to remember when you enter a pay negotiation. Factor in the cost of taxes, direct deposit, and other bank transaction fees. These fees add up. You may be happy with the sound of what you will earn in gross salary, but after everyone takes their cut, what are you really left with?A negotiation tip here is to remember the city you live in, your bank fees, bills, and taxes. You may have a higher cost of living.Do the math for yourself or use a cost of living calculator. Figure out your net income before becoming too impressed with the gross income offer.2. Consider your own needsThink about your personal needs that could require extra money. M edical insurance and commuting all come with a cost. Your pay negotiation will not involve a company proactively taking your needs into consideration. You must let them know.Using a real example, a Senior VP has to relocate to England to work directly with a department. She has to relocate to another country for a job, which means her needs include time to binnensee family, travel costs, traveling back home for emergencies, food, rent, and the cost of business clothes in the area.Negotiation tip Try and think long-term when it comes to your salary. How far will it get you and will you be able to do your job or live paycheck to paycheck?3. Prepare for the unexpectedWe see it every day on the news. The reality of life is that unexpected things happen. Loved ones get hurt, sick, or pass away. Our homes suffer damage in storms. On the brighter side, we also need vacations and travel costs for special events in the family.Companies generally do not see why they should pay for anything ot her than the tasks you perform. The problem is, when you are vital to a companys success, you need time away and still want to stay productive. That costs money. You may find with the right pay negotiation that you can spend time working remotely, and they will cover it.Negotiation tip with a real-life example During Hurricane Sandy in 2012, a website manager loses his electricity and car. The manager works from a hotel for the next week and the company does not pay for it. This is something that should have been worked out during a pay negotiation.4. Your industry has a salary range Unfortunately, it always seems like the people who sweat less, get paid more. People in the food service industry work very hard, but they are not paid as well as CEOs of investment firms.The point here is not to go into a pay negotiation and ask for too much. Be aware of your industry averages.Try and avoid answering the question about your last salary. Some cities have laws preventing employers from d emanding salary history. It is an unfair request. Your previous salary was the result of the companys profit, your last negotiation, or the industry you worked in.5. Get paid for all you bring to the tableThe fact is a resume is only a snippet of what you bring to the table. We all have skills we picked up throughout life. They will come into play when thinking outside the box is required at work.Examine the job carefully and its description before a pay negotiation. You may have a hidden skill not worthy of your resume that can make you more money.You should use it, especially if it means increasing your value within a company

3 Steps to Quit Your Job

3 Steps to Quit Your Job 3 Steps to Quit Your Job 1. Find a Replacement Job FirstIt seems simple enough, and most people who make the mistake of quitting their jobs also make this one. Too many assume their worth in their field is enough to get them hired and they shouldnt worry about the downtime of unemployment because it wouldnt be long. Even still, there are other things to think about, like when will your benefits start or when will you receive your first paycheck? If your current job pays weekly and your new one would pay bi-weekly, do you have some vacation pay or sick pay that you will be paid to make up for the time in between? How long will you still have to go to work despite notlage getting a check? In many jobs, there is a period before your first check that adds a week or more to the length of time it takes to get paid. This can be detrimental to those who did not plan ahead. Make sure you have a replacement job and make sure you know how long you will go without a ch eck before you turn in your nametag.2. Prepare for the InterrogationWhen you quit, not only do you have to tell your employer, but everyone will want to know why you quit. This includes your next employer. Make sure that what you have planned to tell people is both truthful and positive. Staying positive about your former company will keep you from looking like a bridge burner and staying positive about your unemployment makes it seem like a well-crafted move. Employers are going to want to know you didnt quit or were fired on the spot, so make sure you make them understand that it was your plan all along, and that it worked perfectly.Fill Your TimeWhen you find yourself unemployed, make sure you arent just turning in applications all day. Find something productive to do, either a class or certification you could receive or community work you can do. This will make sure you dont get bored at home, or worse, complacent, and also look good on the resume. You want the image of you quit ting to be about you carefully planning you didnt want to be there, you would rather do other things for a while, and also you would like to work where you are applying. Not that you left suddenly and now need a job. That gives employers power, which they already have a ton of. Try to retain some of that power with a little bit of spin and some productive downtime work.

The Sole Strategy You Need to Be Using for Language Skills on Resume Unveiled

The Sole Strategy You Need to Be Using for Language Skills on Resume Unveiled Using Language Skills on Resume Resume language skills are the same. Knowing a language is the initial step in understanding a culture, which enables you to commence seeing people from some other peoples points of view. English is really the most important worldwide language to speak. All About Language Skills on Resume If you believe that skills are wanted in the job which youre applying for, make aya to include them to your resume. Some skills could be relevant while others arent. Job-specific skills vary depending on the ort. More technical or computer-centric hard skills are occasionally also called technical skills. As you proceed through the list of skills above, make a distinct list with the skills which you already possess. As stated earlier, assessing soft skills is far more difficult. Try to remember, the majority of the distinctive skills that you set on your resume ought to be job-r elated skills taken from the work description and your best transferable skills. On the flip side, soft abilities, also referred to as interpersonal or social abilities, are those which you have as personal qualities or you get through professional experiences. If one of these categories is an area where you excel, visit its precise page to learn how resume skills may be used to your benefit. Its also advisable to check their social networking pages and take note if theyre frequently citing specific hard and soft skills that are desired by the firm. Review their About Us page and see whether your soft abilities or attributes are aligned with the organizations core values. You ought to have a particular languages section which gives more comprehensive info on your ability. If youre searching for a job for a sommelier, list your understanding of wine fundamentals and food pairing, together with your experience with inventory administration. Just make sure you double-check whe ther adding social media to your particular resume is acceptable for the job Your skills section stipulates a window into how much capability you may bring to the provider. No matter where you include your skills section on your resume, you can be sure that the hiring manager is likely to find it and definitely likely to ask about doing it. The placement of your skills section is also a rather important point to contemplate. Then make a list of your matching skills that you are able to incorporate in your resume. There are some unique forms of skill sections and formatting options which you need to consider when crafting your resume. Purpose The skill section ought to be optimized to enable a computerized scanning system recognize job skills for your favorite industry. Resumes could be organized in various ways. Although the subsequent sample resumes are for certain jobs and reflect specific experience, look at looking at them all for a broader range of suggestions and stra tegies. Hard skills have a tendency to be more technical, and each business or kind of job will often have its personal necessary set. Some skills are universal no matter the position youre seeking, while some are likely to be career specific. Thus when writing down your job skills take some time to strategize and find out the ideal approach to organize them in your resume. Great people skills are an essential portion of what makes you such a standout employee whod be an asset to any company that provides you with an opportunity to shine. Get the Scoop on Language Skills on Resume Before Youre Too Late A Functional Resume or Skills Resume is intended to highlight your abilities and accomplishments at the very top of your resume instead of grouping them below the jobs or positions which you have held as in a chronological resume. Hard skills are quantifiable and frequently learned from school or at work. Technical skills are either something youve got or you dont, but theyre always something which you are able to learn. 3 First, you should pick the best skills for your resume. To submit an application for a position for a phlebotomist, you have to have a resume that gives employers an insight on how they wont regret hiring you. It is very important to know just which skills the employer is searching for so you know what things to concentrate on when tailoring your resume. Since you can imagine, a hiring manager is searching for the same from you. A hiring manager will be searching for skills which are the absolute most relevant to the job available.

The Ultimate Best Resume Builder Trick

The Ultimate Best Resume Builder Trick Resume or CV or cover letter is getting a significant part our academic and the skilled lives. A CV isnt really worth a lot in the startup world but its still a necessity when one goes out hunting for work. As an issue of fact, on an average, the majority of the recruiters do not start looking for over 6 seconds at a resume. The majority of us already know that the resume we submit while putting in an application for a work interview is very crucial for a lot of reasons. If youre targeting work within the defense business, dont hesitate to use military jargon. If youre targeting work beyond the defense arena, youll need to civilianize your military language to demonstrate your abilities and experience match the employers needs. The Pain of Best Resume Builder 1 cool feature is the capability to import data from LinkedIn. When you open the app you are going to be requested to pick a language from the 10 available alternatives. The app doesnt have a huge platzset of functions but all the crucial features are included. Its possible to import the simple information from social media such as Google, Facebook or Twitter. If youre using the USAJOBS application, all you have to do is log in the system and click the Application Status connection. If you know a small html, you could even like to conserve the source to disk, add a couple of further tags, and voila You pick a template and start filling out information to construct your resume. Needless to say, youll have a good deal of unique templates to assist you in making a cv. You also receive the choice to select a template from the bunch of beautiful resume templets out there. There are various well-designed templates that can help you to construct a great cv. The New Fuss About Best Resume Builder You are then going to be in a position to see real-time information about jobs which youve applied for. If you are in possession of a lengthy employment history, you dont will need to include everything. If youve worked for just 1 employer in the past decade or more, show your recent promotions. As a way to do that you will certainly have to produce a resume that will entice a possible employer. Include an objective when youre pursuing a particular job goal and when you know the specific title of the position youre applying for. The next step is to fill in the info step-by-step. Also be sure to tailor the document to the job youre applying for. Dont be concerned about whether any specific bit of information may be related to your objective. There is not any time for procrastination once it comes to getting your perfect job. The work search may be a lengthy process just consider the statistics below It is crucial to make sure youve got someone review your resume to acquire feedback on grammar, presentation, and general effectiveness. By working in a new positionor even career fieldyou are getting an opportunity to see whether its something you genuinely would like to do. You might find yourself sending the same resume to different job applications and although you may think that youre saving time youre actually lessening your odds of receiving an interview As an example, locating a virtual volunteering job will make it possible for you to work from your house office, in place of heading into an office each day. When it has to do with your work history, begin with the latest job you had. Definitely, among the fruchtwein important measures in life is to find a job which will supply you with feelings of satisfaction and fulfillment. When you would like to find the best resume help, its possible to simply follow our lead. You require assistance with making a resume. The Chronicles of Best Resume Builder A basic resume is also less difficult to read. To help you receive the ideal CV possible (at least in appearance), you may want to look at a tool like Resume Builder, a comprehensive application that cou ld help you produce the perfect resume. Not merely the resume, it has the amazing functionalities for a CV along with the very best cover letter builder too. All you need to do is simply edit the document to include your private information. There are two features which you should be aware of. Double check to ensure that everything on the last version of the resume is about you. If youre running into an issue with the builder or you own a feature suggestion, wed like to hear from you To better understand which option might be ideal for you, lets look at every one of them separately. A Startling Fact about Best Resume Builder Uncovered Focus on skills that the prospective employer might be searching for. Incorporate keywords from the work description so that youre tailoring your experience to what they are trying to find. If youre open to different varieties of jobs, let us know. At times its possible to apply to get a job through internet platforms where its possible for you to fill in all your professional data. Now, take a look at best free online resume builder websites. Resume builder services often enable you to make mailing labels. ConnectCV is another exact efficient online resume building tool free of charge. Resumes are rather predictable in features and data, but some choices must be made.

How Honest Should You Be in an Exit Interview

How Honest Should You Be in an Exit Interview The decision to give your notice is a difficult one to make. While no job is perfect, there are surely things you will be sad to leave behind. Your exit interview serves as an opportunity to share feedback andhelp thecompany find ways to improve.But beware The questions asked during an exit interview may stir some negative feelings youve been keeping inside. Its important to offer your honest feedback,but you must resist the urge to point fingers.The best approach is to stick to the facts. Speak from your own personal opinionabout what youve experienced firsthand. The opinions you share should be your own and not meant to represent the consensus of other employees.Youll be asked a range of questions during your exit interview. The HR representative will usually start by asking you how long you were looking for a job and how your new job compares to the one youre leaving. Additionally, you can expect a few questions on what you think the company is doing well andwhere it could stand to improve.The fruchtwein challenging questions will be the ones concerning your manager. Most employees dont leave companies they leave managers. If this is the case for you, then questions about your manager can quickly get personal if you arent vigilant.Here are a few questions you can expect to be asked about your managerHow would you describe your relationship with your direct supervisor?How did your supervisor handle any complaints or grievances you may have had?Did you speak with your supervisor about your career goals? Why or why not? What was the outcome?Remember, this is not a forum to unleash a stream of complaints. Be measured in your responses. You can easily share that it wasnt the relationship you had hoped for without placing blame. For exampleOur relationship wasnt as close as I had hoped. I was really hoping for a mentor-like relationship, and that just didnt materialize.vs.She really di dnt take any interest in what I was doing. She was always quick to give negative feedback, and she never invested in helping me improve what she saw as deficiencies in my skills.You dont want to burn bridges. Its important to know that your exit interview lives in your personnel file. It is not confidential. If your particular circumstances give you any reason to doubt your ability to stay calm and cordial, consider skipping the exit interview altogether.A version of this article originally appeared on theAtrium Staffing blog.Michele Mavi isAtrium Staffings resident career expert.