Tag Archives: self-improvement

What we’ve been doing on our hiatus – pt 2

How the new office started Yes we've been on hiatus & you haven't been getting your 3 weekly posts in March, but here's why

The same images but with the word descriptions that were supposed to be displayed in part 1.

And now for part 2 photos…

How the new bedroom started... did you want the director of content sleeping on the floor?

Millennials, want to catch a 🆓 version of the personal finance class your Boomer parents should have made sure was available to you when you were a kid? Click here to register for the class happening Thursday, July 1sy at 8 PM EST.

Millennials only!!! (born between 1980 and 1995)

ARE YOU PREPARED FOR A RAINY DAY?

It’s never a bad idea to prepare for a financial emergency.

Unexpected expenses, market fluctuations, or a sudden job loss could leave you financially vulnerable. Here are some tips to help you get ready for your bank account’s rainy days! (And we don’t mean a money shower)

Know the difference between a rainy day fund and an emergency fund … but have both!
People often use the terms interchangeably, but there are some big differences between a rainy day fund and an emergency fund. A rainy day fund is typically designed to cover a relatively small unexpected cost, like a car repair or minor medical bills. Emergency funds are supposed to help cover expenses that might accumulate during a long period of unemployment or if you experience serious health complications. Both funds are important for preparing for your financial future—it’s never too early to start building them.

Tackle your debt now
Just because you can manage your debt now doesn’t mean you’ll be able to in the future. Prioritizing debt reduction, especially if you have student loans or credit card debit, can go a long way toward helping you prepare for an unexpected financial emergency. It never hurts to come up with a budget that includes paying down debt and to set a date for when you want to be debt-free!

Learn skills to bolster your employability
One of the worst things that can blindside you is unemployment. That’s why taking steps now to help with a potential future job search can be so important. Look into free online educational resources and classes, and investigate certifications. Those can go a long way towards diversifying your skillset (and can look great on a resume).

None of these tips will do you much good unless you get the ball rolling on them now. The best time to prepare for an emergency is before the shock and stress set in!

Want to Change Your Life in 2021? START with Your Environment

Chances are you’ve come up with some pretty elaborate plans to trick yourself into being more productive.

Have you considered the role your surroundings play in your everyday life? It turns out that one of the easiest ways to bring about change in our lives is actually to change our environments. This is one of the first areas I thought of when I first started E-Class Ventures all those years ago. As a youth I often tried to change my room (as much as I was allowed) to improve my mood with varying levels of success. It ranged from constantly rearranging (pre feng shui craze) to try the make the most of very limited space to painting in perhaps not the best color palette for an already cramped room. All of that to say environment impacts your mood, productivity and this overall wellness.

What if the layout of your bedroom or the distance from your desk to the kitchen was impacting your productivity and decision making? There’s plenty of room for each of us to improve. Here’s how and why making some changes to your environment works.

Your brain is efficient
Making decisions is draining. (Heard of “decision fatigue”? It’s real!) We can only make so many choices per day before we start to run out of steam and need a rest. But we’re faced with countless choices every time we wake up! Should I go back to sleep? Should I shower or brush my teeth first? What will I wear to work? Should I try out that new shortcut to the office? It can become stressful for your brain to struggle with a choice every time one of these little prompts presents itself. That’s why we rely on decision shortcuts called habits.

A habit is just a routine that you regularly perform. Most of the time we don’t even notice that we’re engaging in a habit because it’s second nature to us. And there’s a reason for that. It’s your brain saving energy by going on autopilot to perform an action without having to make a decision. That way you can use the bulk of your mental power on unique and important problems that might pop up during the day, not on thinking about when you should brush your teeth!

Trick yourself into making wise decisions
What does your brain’s love of shortcuts have to do with your environment? Let’s look at an example.

Your alarm clock is right next to your bed. It goes off every morning at 7:30am. It doesn’t take you long to figure out that you can smack the snooze button and go straight back to sleep with hardly any effort. Before long you’re hitting the snooze button every time the alarm goes off without even thinking about it. You’ve trained yourself to sleep in later by making your alarm easier to turn off. But what if your alarm was on the other side of your room? What if to silence it you had to stand up, walk over, and hit a button? That simple change could give you the jolt that you need to wake up and get your day started on time!

Take a look at your surroundings and ask yourself what kind of behavior it encourages. Is it more convenient for you to grab a soda from the fridge or fill up your water bottle? When you work at home, are you in the middle of distractions like the kids playing or too close to the TV? At work (aka as home for a lot of us since the pandemic), does your office layout lend itself to productivity or socializing with your co-workers?

It might take some legwork to get started, but try to arrange your life in a way that makes wise decisions easier. You might be surprised by the results!

What’s one thing you’ve done to change your environment this year that has had a positive effect on your life? How are you going to continue our improve upon that charge for 2021? Share it below.

e2E launch

I am very pleased to announce that I officially launched my e2E course this afternoon via my first webinar. 😄
There’s two ways to look at this:
1) long overdue 😞
2) right on-time 😊

I’m going to choose #2.

There’s something to be said about how we choose to look at thing. During this global pandemic we see some people respond with despondence and others with initiative. Which category do you fall into?

I’ve been thinking about creating something (other than this blog) based upon my knowledge, experience, and skills as a mentor & advisor for some years now. I’m grateful that all of the pieces have finally come together at a time when so many seem to be searching for an answer to ever growing employment issues and for the opportunity to offer some help to solve the problem. So what is this e2E course about?

First, I want to define e2E which stands for “employee to Enterpreneur”. If you’re fortunate enough to still have a job in this era of pandemic, social distancing, and companies furloughing and right-sizing employees CONGRATULATIONS!!! If not or if you do but realize that things could change quickly so you need a ‘back-up’ plan, that’s what the course is here to help you create.

I started today with a free Entrepreneurship master class in which I covered the basic parts of that back-up plan and made available a free entrepreneur starter pack to the attendees. The image is a still of the beginning of the class. Afterwards, I immediately started following up to get feedback and so far it’s been positive in that what I’m providing in the free class is of value.

My next step is to increase the reach of my online promotions about the next free master class to drive enrollments in the course. Gotta follow my own process to self-improvement and success!

Just thought I’d share the process…

Ms. ME

The FULL COST of Smoking Cigarettes

This is how smoking is usually pictured when the cigarette companies used to freely play mind games to convince you to smoke.

Nowadays, not many would argue the fact that smoking is bad for you. It’s linked to lung cancer and heart disease, and is associated with nearly 1 in 5 deaths in the United States.¹ Yet so many people, even some I know personally still smoke despite the health consequences.  Besides ruining your physical health, smoking can also seriously ruin your financial health.

The upfront cost of smoking
Cigarettes aren’t cheap. Prices per pack vary from $5.25 in Missouri to $12.85 in New York, but the national average comes out to around $6.28.²’³ Smoking a pack per day will run you $44 per week, $188 per month, and $2,292 per year. Over 20 years you’ll have spent $91,671 on cigarettes. You’ve literally burned almost 6 figures!

If you got it like Granny, then ‘burn baby burn’, I guess.

Health care costs of smoking
Besides the up front cost, there are more subtle costs associated with what I’ve heard some say is their way to relieve stress. Extra doctor visits, prescriptions, hospital bills, and other treatments all cost money, and smoking increases your chances of needing those at some point in your future. In total, smoking-related illness costs the United States over $300 billion per year.⁴ Smokers also have to face higher insurance costs because of the health risks presented by their habit. All told, smoking one pack per day costs around $15,000 a year, or $40 per pack.⁵ Having $15,000 go up in smoke sounds pretty stressful to me.

The opportunity cost of smoking
Opportunity cost is a concept covered in economics and business courses. So unless you’ve taken both at the K-12 and collegiate level like I have you might be drawing a blank here. In a nutshell, it’s FOMO realized. In other words, (for my non Gen Z & Millennial readers) what are you missing out on because you decided to spend resources on a different option.

In our smoking scenario it means what could you have done with that $15,000? Did you want to start building a business but found yourself short on start-up funds? Maybe that could be the foundation of your child’s college fund or inheritance. Or is it that vacation you desperately want to take (of course while still keeping your physical distance; not trying to sort out catch dat ‘rona). Is your habit costing you the potential to live on your terms and start building your future?

Anyone who may be reading this and is struggling to quit smoking, I understand that it’s hard but keep trying. I want to see you reach your full potential and stop missing out one life-changing opportunities. Check out these resources from the CDC. And share your story in the comments.

(1) https://www.cdc.gov/tobacco/data_statistics/fact_sheets/health_effects/effects_cig_smoking/index.htm

(2) https://worldpopulationreview.com/states/cigarette-prices-by-state/

(3) https://smokefree.gov/quit-smoking/why-you-should-quit/how-much-will-you-save

(4) https://www.cdc.gov/tobacco/data_statistics/fact_sheets/economics/econ_facts/index.htm#:~:text=Smoking%2Drelated%20illness%20in%20the,%24300%20billion%20each%20year%2C%20including%3A&text=Nearly%20%24170%20billion%20for%20direct,due%20to%20secondhand%20smoke%20exposure

(5) https://www.washington.edu/admin/hr/benefits/events/flyers/tobacco-free/hidden-cost-of-smoking.pdf