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Tag: Family

"How Will You Measure Your Life?" The Question that Changed Me Forever

February 15, 2021
| No Comments
| Credit Card News

Reading is one of my superpowers. I make time daily in my work life to consume an article or a chapter of a non-fiction book. I usually learn something—a new fact to absorb or a tactic to try. 

Incredibly rarely, something I read actually changes me. 

When I first read this piece, I was an exhausted, overworked, always-feeling-guilty mom with a long commute and a need for something to change.

Seven years ago, I first stumbled on an article called How Will You Measure Your Life? written by the renowned Harvard Business School professor Clayton Christensen. The piece captivated me, and I credit it with setting me on a new path. Christensen, who has since passed away, offered me a sense of direction and clarity. I find many people around me seek the same thing right now, which is precisely why I'm revisiting a seven-year-old article with you today.

When I first read this piece, I was an exhausted, overworked, always-feeling-guilty mom with a long commute and a need for something to change. Reading it helped me ask and answer some big questions for myself—not by telling me what to think, but rather how to think. Christensen's article applied big wonky management concepts to the everyday business of humanity. And he did it beautifully.

Since I first read "How Will You Measure Your Life," I've made a habit of rereading it once a year. And each year I take something new from it.

Today, in case you’re one of those people sitting with big questions, I’d love to share some of my favorite insights. If you’ve ever wondered how to maintain fulfillment, balance, and integrity in your life and career, then this one’s for you.

How do I achieve fulfillment in my career?

Professor Christensen begins with an introduction to the work of Frederick Herzberg whose research in the mid-twentieth century taught us that money is not our most powerful motivating force.

As Money Girl Laura Adams tells us, money can buy us happiness … but only to a point. To have emotional well-being, we need to have enough money to cover basics like food and shelter comfortably. A widely cited 2010 study set that bar at $75,000 a year. Making more than that, data told us, didn’t equate to more happiness.

Unlock those golden handcuffs and free yourself to find joy in your work.

So if money doesn’t drive happiness, then what does? According to Christensen, it’s the opportunity to learn, to grow in responsibility, to contribute to the development of others, and to be recognized for your hard work and achievements. 

So ask yourself: Are you having these fulfilling experiences in your work today? 

If you could use a bump, are there ways you can infuse more life into your work? Can you take on a project that might help you expand your thinking, network, or knowledge? Can you mentor someone whose success you’d love to enhance? Can you publicly recognize a colleague who did you a small solid?

Or are you ready for a change you now realize you can afford to make?

Maybe you’ve always worked in corporate and dreamed of rolling into the non-profit space. Or you’re being pulled in multiple directions and want to transition to working part-time for a while. Or there’s that side hustle you always wanted to try, or that degree you dream of getting.

Unlock those golden handcuffs and free yourself to find joy in your work. 

For me, this meant finally stepping out of a job that felt heavy and taking that chance on starting my own business. I’ve never looked back.

How do I maintain balance?

This, Christensen explains, is really a question of how your strategy is defined and implemented.

”…A company’s strategy is determined by the types of initiatives that management invests in.”

If a company's strategy is to win by creating high-quality products, but it chooses to maximize its profit margin by using cheap materials to manufacture them, well … I think you can see why the strategy is doomed to fail.

So the question here is what strategy have you defined for your life. And are you making the right investments to support it?

To make the analogy work, Christensen imagines each important part of his life as a line of business—his career, his family, and his community.

He wants each of them to succeed. So he allocates his investments—his time, his focus, his care—in alignment with that strategy.

I realized that my time is my investment portfolio. I wanted to take ownership of it.

“Allocation choices,” he says, “can make you turn out to be very different from what you intended.”

He goes on to observe that “People who are driven to excel have this unconscious propensity to underinvest in their families and overinvest in their careers even though… loving relationships… are the most powerful and enduring source of happiness.”

When I first read this, I knew my sense of balance was off. Yet I somehow felt powerless to change it. But there was something in his framing about the allocation of resources that really hit me. I realized that my time is my investment portfolio. I wanted to take ownership of it.

Did I quit my job and start my business the next day? I assure you I did not. But this reframing was exactly the gift I needed to move from feeling constrained and trapped to feeling encouraged and ready to explore some options. 

Where have you possibly overinvested in work and underinvested in the things or people that bring you joy?

I’m not suggesting you follow my path. I’m inviting you to assess yours. Are you investing according to the outcomes you hope to achieve? Where have you possibly overinvested in work and underinvested in the things or people that bring you joy?

How do I keep integrity at the forefront?

Ever hear of something called the “marginal cost mistake?” I hadn’t. It’s the idea that most people who’ve fallen from grace (think Bernie Madoff) didn’t wake up one day and decide to commit a major crime.

“A voice in our head says ‘Look, I know that as a general rule most people shouldn’t do this. But in this particular extenuating circumstance, just this once it’s OK.’ The marginal cost of doing something wrong ‘just this once’ always seems alluringly low. It suckers you in.”

Personally, I’ve never stood on the precipice of making a criminal choice. But this concept has shown up in my life in different ways.

Think long and hard before you break the golden rule. Otherwise, your 'marginal cost mistake' will stay with you.

In my life today, I stand firmly in the camp of respect and equality for every human being. If someone in my life—a client, a colleague, even a family member—makes an off-color joke or comment, I know it’s easier to ignore it. Just this once. 

But I won’t. And having that clarity makes the choice so simple for me.

Maybe your boss asked you to “borrow” a competitor’s idea you heard about… just this once. Or a friend needs a reference and wonders if you’ll play the role of her former boss… but just for this one potential job.

Think long and hard before you break the golden rule. Otherwise, your "marginal cost mistake" will stay with you. I still remember kids I didn’t stand up for on the playground. I can’t change what’s behind me, but I can be a version of myself going forward that the little girl in me would be proud of.

I wish the same for you.

I hope these ideas have triggered some insight or courage or inspiration. May you be fulfilled, may you be in balance, and may you be the most gleaming version of you.   

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Posted in <a href="https://www.hotlistnames.com/category/credit-card-news/" rel="category tag">Credit Card News</a> Tagged <a href="https://www.hotlistnames.com/tag/business/" rel="tag">Business</a>, <a href="https://www.hotlistnames.com/tag/buy/" rel="tag">Buy</a>, <a href="https://www.hotlistnames.com/tag/career/" rel="tag">Career</a>, <a href="https://www.hotlistnames.com/tag/careers/" rel="tag">careers</a>, <a href="https://www.hotlistnames.com/tag/commute/" rel="tag">commute</a>, <a href="https://www.hotlistnames.com/tag/credit/" rel="tag">Credit</a>, <a href="https://www.hotlistnames.com/tag/family/" rel="tag">Family</a>, <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/food/" rel="tag">Food</a>, <a href="https://www.hotlistnames.com/tag/grow/" rel="tag">Grow</a>, <a href="https://www.hotlistnames.com/tag/how-to/" rel="tag">How To</a>, <a href="https://www.hotlistnames.com/tag/inspiration/" rel="tag">Inspiration</a>, <a href="https://www.hotlistnames.com/tag/investing/" rel="tag">Investing</a>, <a href="https://www.hotlistnames.com/tag/investment/" rel="tag">investment</a>, <a href="https://www.hotlistnames.com/tag/investments/" rel="tag">investments</a>, <a href="https://www.hotlistnames.com/tag/job/" rel="tag">job</a>, <a href="https://www.hotlistnames.com/tag/life/" rel="tag">Life</a>, <a href="https://www.hotlistnames.com/tag/money/" rel="tag">money</a>, <a href="https://www.hotlistnames.com/tag/products/" rel="tag">Products</a>, <a href="https://www.hotlistnames.com/tag/relationships/" rel="tag">Relationships</a>, <a href="https://www.hotlistnames.com/tag/school/" rel="tag">School</a>, <a href="https://www.hotlistnames.com/tag/side-hustle/" rel="tag">side hustle</a>, <a href="https://www.hotlistnames.com/tag/will/" rel="tag">will</a>, <a href="https://www.hotlistnames.com/tag/work-life/" rel="tag">Work Life</a>

The Magical Third Paycheck: 5 Budgeting Hacks If You’re Paid Biweekly

February 15, 2021
| No Comments
| Budgeting, Credit Card News

Paid biweekly? You get two shots a year to get ahead. Here’s how.

The post The Magical Third Paycheck: 5 Budgeting Hacks If You’re Paid Biweekly appeared first on Discover Bank – Banking Topics Blog.

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Posted in <a href="https://www.hotlistnames.com/category/budgeting/" rel="category tag">Budgeting</a>, <a href="https://www.hotlistnames.com/category/credit-card-news/" rel="category tag">Credit Card News</a> Tagged <a href="https://www.hotlistnames.com/tag/401k/" rel="tag">401(k)</a>, <a href="https://www.hotlistnames.com/tag/all/" rel="tag">All</a>, <a href="https://www.hotlistnames.com/tag/banking/" rel="tag">Banking</a>, <a href="https://www.hotlistnames.com/tag/budget/" rel="tag">Budget</a>, <a href="https://www.hotlistnames.com/tag/budgeting/" rel="tag">budgeting</a>, <a href="https://www.hotlistnames.com/tag/budgeting-basics/" rel="tag">Budgeting Basics</a>, <a href="https://www.hotlistnames.com/tag/build/" rel="tag">build</a>, <a href="https://www.hotlistnames.com/tag/business/" rel="tag">Business</a>, <a href="https://www.hotlistnames.com/tag/buy/" rel="tag">Buy</a>, <a href="https://www.hotlistnames.com/tag/car/" rel="tag">car</a>, <a 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Lifestyle Blogger Jesse Coulter Gives House Tour of New Texas Home

February 14, 2021
| No Comments
| Cleaning And Maintenance, Home Design

After sharing her homebuying process with Homes.com in June, 2019, Jesse Coulter wanted to give a first-hand look at how her house has become her family’s home. Using Homes.com’s match tool, Coulter was able to find the perfect home for her and her family.

The post Lifestyle Blogger Jesse Coulter Gives House Tour of New Texas Home appeared first on Homes.com.

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Posted in <a href="https://www.hotlistnames.com/category/apartment-life/cleaning-and-maintenance/" rel="category tag">Cleaning And Maintenance</a>, <a href="https://www.hotlistnames.com/category/home-design/" rel="category tag">Home Design</a> Tagged <a href="https://www.hotlistnames.com/tag/family/" rel="tag">Family</a>, <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/home/" rel="tag">Home</a>, <a href="https://www.hotlistnames.com/tag/house/" rel="tag">house</a>, <a href="https://www.hotlistnames.com/tag/lifestyle/" rel="tag">Lifestyle</a>, <a href="https://www.hotlistnames.com/tag/texas/" rel="tag">texas</a>

Moving to the Country? This Overlooked Loan Makes It So Easy

February 14, 2021
| No Comments
| Airlines, Home Design

House hunting in rural areas is becoming more common. If you’re planning a move to the country, a USDA home loan may be a great option for you.

The post Moving to the Country? This Overlooked Loan Makes It So Easy appeared first on Real Estate News & Insights | realtor.com®.

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Posted in <a href="https://www.hotlistnames.com/category/travel/airlines/" rel="category tag">Airlines</a>, <a href="https://www.hotlistnames.com/category/home-design/" rel="category tag">Home Design</a> Tagged <a href="https://www.hotlistnames.com/tag/business/" rel="tag">Business</a>, <a href="https://www.hotlistnames.com/tag/buy/" rel="tag">Buy</a>, <a href="https://www.hotlistnames.com/tag/cities/" rel="tag">Cities</a>, <a href="https://www.hotlistnames.com/tag/country/" rel="tag">country</a>, <a href="https://www.hotlistnames.com/tag/covid-19/" rel="tag">covid-19</a>, <a href="https://www.hotlistnames.com/tag/credit/" rel="tag">Credit</a>, <a href="https://www.hotlistnames.com/tag/credit-score/" rel="tag">credit score</a>, <a href="https://www.hotlistnames.com/tag/down-payment/" rel="tag">down payment</a>, <a href="https://www.hotlistnames.com/tag/family/" rel="tag">Family</a>, <a href="https://www.hotlistnames.com/tag/fees/" rel="tag">Fees</a>, <a href="https://www.hotlistnames.com/tag/finance/" rel="tag">Finance</a>, <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/first-time-home-buyer/" rel="tag">first-time home buyer</a>, <a href="https://www.hotlistnames.com/tag/getting-a-mortgage/" rel="tag">getting a mortgage</a>, <a href="https://www.hotlistnames.com/tag/home/" rel="tag">Home</a>, <a href="https://www.hotlistnames.com/tag/house/" rel="tag">house</a>, <a href="https://www.hotlistnames.com/tag/housing-finance/" rel="tag">housing finance</a>, <a href="https://www.hotlistnames.com/tag/interest-rates/" rel="tag">Interest Rates</a>, <a href="https://www.hotlistnames.com/tag/investment/" rel="tag">investment</a>, <a href="https://www.hotlistnames.com/tag/loans/" rel="tag">Loans</a>, <a href="https://www.hotlistnames.com/tag/low-income/" rel="tag">low-income</a>, <a href="https://www.hotlistnames.com/tag/money/" rel="tag">money</a>, <a href="https://www.hotlistnames.com/tag/mortgage/" rel="tag">mortgage</a>, <a href="https://www.hotlistnames.com/tag/mortgages/" rel="tag">mortgages</a>, <a href="https://www.hotlistnames.com/tag/news/" rel="tag">News</a>, <a href="https://www.hotlistnames.com/tag/planning/" rel="tag">Planning</a>, <a href="https://www.hotlistnames.com/tag/property/" rel="tag">property</a>, <a href="https://www.hotlistnames.com/tag/purchase/" rel="tag">Purchase</a>, <a href="https://www.hotlistnames.com/tag/realtor/" rel="tag">realtor</a>, <a href="https://www.hotlistnames.com/tag/review/" rel="tag">Review</a>, <a href="https://www.hotlistnames.com/tag/rural/" rel="tag">rural</a>, <a href="https://www.hotlistnames.com/tag/savings/" rel="tag">savings</a>, <a href="https://www.hotlistnames.com/tag/usda-loans/" rel="tag">usda loans</a>, <a href="https://www.hotlistnames.com/tag/will/" rel="tag">will</a>

7 Tips for Finding College Housing

February 14, 2021
| No Comments
| Commercial Real Estate, Student Loans

student on laptop in library

Packing up and heading off to college is an absolutely thrilling time in a young person’s life. However, with all the fun comes a lot of responsibility. One of the first, and perhaps most important, choices a college student must make is exactly where they want to live. Here are a few things to consider […]

The post 7 Tips for Finding College Housing appeared first on SoFi.

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Posted in <a href="https://www.hotlistnames.com/category/commercial-real-estate/" rel="category tag">Commercial Real Estate</a>, <a href="https://www.hotlistnames.com/category/loans/student-loans/" rel="category tag">Student Loans</a> Tagged <a href="https://www.hotlistnames.com/tag/all/" rel="tag">All</a>, <a href="https://www.hotlistnames.com/tag/apartments/" rel="tag">apartments</a>, <a href="https://www.hotlistnames.com/tag/budget/" rel="tag">Budget</a>, <a href="https://www.hotlistnames.com/tag/budgeting/" rel="tag">budgeting</a>, <a href="https://www.hotlistnames.com/tag/college/" rel="tag">College</a>, <a href="https://www.hotlistnames.com/tag/family/" rel="tag">Family</a>, <a href="https://www.hotlistnames.com/tag/fees/" rel="tag">Fees</a>, <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/food/" rel="tag">Food</a>, <a href="https://www.hotlistnames.com/tag/guides/" rel="tag">Guides</a>, <a href="https://www.hotlistnames.com/tag/home/" rel="tag">Home</a>, <a href="https://www.hotlistnames.com/tag/house/" rel="tag">house</a>, <a href="https://www.hotlistnames.com/tag/insurance/" rel="tag">Insurance</a>, <a href="https://www.hotlistnames.com/tag/investslr/" rel="tag">InvestSLR</a>, <a href="https://www.hotlistnames.com/tag/life/" rel="tag">Life</a>, <a href="https://www.hotlistnames.com/tag/loans/" rel="tag">Loans</a>, <a href="https://www.hotlistnames.com/tag/personal/" rel="tag">Personal</a>, <a href="https://www.hotlistnames.com/tag/pool/" rel="tag">pool</a>, <a href="https://www.hotlistnames.com/tag/products/" rel="tag">Products</a>, <a href="https://www.hotlistnames.com/tag/property/" rel="tag">property</a>, <a href="https://www.hotlistnames.com/tag/purchase/" rel="tag">Purchase</a>, <a href="https://www.hotlistnames.com/tag/rent/" rel="tag">Rent</a>, <a href="https://www.hotlistnames.com/tag/renting/" rel="tag">renting</a>, <a href="https://www.hotlistnames.com/tag/school/" rel="tag">School</a>, <a href="https://www.hotlistnames.com/tag/spendslr/" rel="tag">SpendSLR</a>, <a href="https://www.hotlistnames.com/tag/student/" rel="tag">student</a>, <a href="https://www.hotlistnames.com/tag/student-loans/" rel="tag">Student Loans</a>, <a href="https://www.hotlistnames.com/tag/student_loan/" rel="tag">student_loan</a>, <a href="https://www.hotlistnames.com/tag/studying/" rel="tag">studying</a>, <a href="https://www.hotlistnames.com/tag/tips/" rel="tag">tips</a>, <a href="https://www.hotlistnames.com/tag/vs/" rel="tag">Vs.</a>, <a href="https://www.hotlistnames.com/tag/will/" rel="tag">will</a>

9 Ways to Support Small Businesses Without Breaking the Bank

February 14, 2021
| No Comments
| Budgeting, Commercial Real Estate

We all have our favorite small businesses, including our go-to date night restaurant and favorite thrift store. These places serve more than great food and looks — they build jobs in the community, put children through school, and are the…

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The post 9 Ways to Support Small Businesses Without Breaking the Bank appeared first on MintLife Blog.

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My New Car Is a Piece of Junk. Can I Return It to the Dealer?

February 14, 2021
| No Comments
| Auto Loans, New Office Furniture

Once upon a time, you loved your car. You loved it so much that you agreed to the payment terms and drove it home from the dealer or, dare we say, a private seller. But now, that love has grown cold and you wish you’d never laid eyes on it. And to make matters worse,… Read More

The post My New Car Is a Piece of Junk. Can I Return It to the Dealer? appeared first on Credit.com.

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Disaster Safety for the Apartment Renter

February 14, 2021
| No Comments
| Auto Loans

Preparation is key in the face of a disaster.

The post Disaster Safety for the Apartment Renter appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

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10 At-Home Date Night Ideas, Whether You’re Together or Apart

February 12, 2021
| No Comments
| Education

The coronavirus pandemic put a halt on a whole lot of awesome things, including date night. If you’ve been with your sweetie for years, it can be tough to find something special to do when you’re spending most of your time at home together. And if you were just getting started dating, it’s hard to […]

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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How much can you really make with a cash back card?

February 12, 2021
| No Comments
| Cash Back, Debt

The appeal of cash back cards is that they are simple, but how much can they augment your income? Four cardholders share their card strategies.

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