Green Ideas Could Lead You to Your Next Raise and Promotion

It’s about time you were taken more seriously—that you gave your own self a raise and promotion, and that you gave yourself more power in the workplace. It’s easier than you think, too—just start embracing “green think,” and quickly discover that your fellow workers will begin to think the world of you as you think more of the world.

Maybe you are tired of working for “The Man” and are contemplating branching out on your own and becoming  your own business person. This may involve selling a green product or service—such as eco-friendly beauty products or even a green home-cleaning service.

Either way, by going green in business, you essentially are promoting yourself to the status of a company owner, and because green goods are in high demand these days, you can expect an economy-driven pay raise as well.

If you’re not crazy about the idea of assuming the risk of running your own business, maybe you’re still tired of being stagnant in your role and want to breathe new life into your job: Just consider what you can do to make it easier for future generations to “breathe” easy in a constantly changing world.

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Optimist or Realist?

Today is my ridiculously long day, but it feels great to be getting back into the swing of things. Who knew how little time off it takes to get completely a little rusty when it comes to studying?

Usually on Fridays I do a “things I love” post, but I have procrastinated on putting this post together, so I’m going to have to skip it this week. Bad blogger.

But maybe I’ll do one tomorrow since I’ll have more time?

Anyway. I thought I would just ramble about something that has been on my mind today.

 

I have always considered myself a realist. I wouldn’t describe myself as overly pessimistic, but I tend to have a “hope for the best, plan for the worst” mentality. And I come by that mentality honestly. I am not one of those people that have things come easily for them. A lot of times it feels like I have the worst luck- if something can go wrong, it will.

I am Murphy, you know Marthy’s law…

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Would you Pay Off Credit Cards with a HELoC?

Y’all have seen the ads: some smiling beautiful person is trying to tell the world how much easier their life is since they “paid off” their credit card bills by using their HELoC (Home Equity Line of Credit).  It might have been on TV, in the newspaper, on the radio, or even online.  It’s touted as the “smart” thing to do.  There is so much wrong with this idea, I am not even sure where to begin!

First, let’s tackle the erroneous notion that you can “pay off” debt by borrowing (more debt).  Yes, a HELoC is borrowing…it’s borrowing against the equity of your HOME.  Dave Ramsey has a cute but very true saying: “You can’t borrow your way out of debt.”  He is 100% right on that point.

Now let’s look at the (lack of) wisdom in this strategy: The notion that taking unsecured credit card debt and moving it to a secured debt situation is “smart”.  Credit card companies will scream, holler, and cry blue murder if you don’t pay them …

Trust me I have had personal experience with this … but the worst they can do is ding up your credit report (and score) then discharge the debt and sell it to a collection agency who usually has as bad or worse phone tactics.

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