Photo by Verne Ho on Unsplash

When it comes to your career, regret can trap you in the past and paralyze you from moving forward.

One survey found that two of the top five most common life regrets were tied to careers—from not pursuing one's passion to working too hard. Another recent poll found that 23 percent of workers regretted switching jobs. While some regrets are linked to significant career decisions, others revolve around smaller moments, like not speaking up in a meeting or not challenging a superior. But when it comes down to it, there are two kinds of regrets: one is based on our actions, and the other on our inaction. And it's the latter that really drags us down.

"Research shows that we regret more in the face of opportunity," writes Forbes' Caroline Beaton, who notes that millennials are particularly prone to career regrets. "Regrets of inaction are more prevalent, last longer and feel worse than action regrets in part because we associate them with greater (missed) opportunity. While regretting a specific action means just one alternative — not doing it — inaction signifies infinite possibility ("I could have done this, or this, or this")."

Here's where things get really sticky: the more we regret, the more likely we are to resort to inaction. It's that fear of regret that "makes us stick with the status quo even if our reasoning or intuition says we shouldn't," writes Eyal Winter, Professor of Behavioral/Industrial Economics at Lancaster University, on The Conversation. "That makes people who are more prone to feel regret less likely to take risks."

That means the fewer risks we take when it comes to our career choices—from using our vacation days to pursuing our dream jobs—the more regrets we're likely accrue. So how do we stop this crazy-making cycle and move forward? The answers involve a little self-examination and some expert advice.

Rationalize Your Mistakes

Everyone make mistakes, it's how we choose to see them that determines whether they'll hold us back or propel us forward in the right direction. "Although it can be tough to hear it in the moment, more times than not, our career 'mistakes' end up being the best things for us," career coach Kristen Zavo tells FlexJobs. "They show us what we want—and don't want. They allow us to learn lessons, encounter challenges, and work with people that we might not have otherwise."

But how do you look at your own mistakes without kicking yourself? The best approach to examining past mistakes is through kindness and understanding. Beaton suggests rationalizing why you made the choice you did at the time—taking into account that you didn't have the hindsight you have now. Maybe you took a job you regret because you needed the money, or perhaps you felt stuck in other aspects of your life and needed a change. "Rationalization doesn't mean shirking responsibility or refusing to learn from your mistakes," explains Beaton. "It means closure." Once you forgive yourself, you can start seeing what influenced you in the past that you may want to avoid in the future. Moreover, you can be grateful that those old mistakes are now guiding you in a new direction.

Ask Yourself Two Key Questions

Another way to diminish your career regrets is through a simple system of self-examination. After researching the science behind regret, Eric Barker of The Week came upon two questions that can make all the difference: "What can I learn from this?" and "How could things have been worse?" The first question doesn't just allow you learn from your mistake, it gives you a sense of control so that the next time you're faced with a similar decision, you'll know how best to handle it. The second question reframes the thing you regret. Maybe you actually dodged a bullet or maybe what you thought was a mistake was actually a defensive move that deserve some credit.

Define Your Goals

Just because you've made peace with your past, that doesn't guarantee satisfaction with your current job situation. If you've been harping on career regrets, chances are it's because you're unhappy with where you're at and don't know how to change it. It's time to stop looking back and instead start examining the present and the future.

"To be more satisfied in their careers now, I encourage clients to focus on both (a) the short-term: what can they do now both at, and outside of, work to be happier and (b) long-term: getting clear on their career vision, building a plan, and taking steps each day, each week, to make it a reality," Zavo tells Flexjobs.

One way to sharpen your focus for your future is to define it in real terms—whether that means writing down your goals, identifying a person whose career you admire, or creating a mood board of what your dream career looks like.

"You can't revisit the past, but you can turn your attention to something you want," writes Psychology Today's Beverly Flaxington. "So this career isn't the best one; how do you paint a picture of something you do want? Paint a picture in as much detail as you can about where you'd like to head. This will start turning your attention away from the rear-view mirror and to the windshield looking forward."

It's time to stop beating yourself up over your past. We all make mistakes. The less we dwell on them and the more we learn from them, the better our future careers will be.

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Spring may be the most popular time to list, but people need to buy homes in every season. Follow some simple steps to get your home sold in the winter.

Sometimes there is no choice—a home needs to be sold in the winter.

Spring may be the most popular time to put your house on the market, but homes do sell in the colder months. With fewer houses available, your home may be someone's only choice when house hunting in your neighborhood. As your neighbors hold out until spring, you'll already be done and ready to shop for your next house!

Here are a few tips for selling a home in the winter to get you on the right track.

Keep Paths Safe and Landscaping Fresh

Landscaping is the last thing on a homeowner's mind in the winter. Everything was cut back in the fall and may now be covered in snow. Still, take a walk around the house and yard to check everything out. Branches may have fallen from heavy snow, leaving a mess in the yard. Keep everything neat and tidy.

The last thing you need is a potential buyer slipping on the ice-covered walk in front of your house. Buyers often consider those moments bad omens, and this can affect their decisions. Shovel, snow blow, spread salt—do whatever you have to do to keep the driveway and walking paths clear, and don't forget the porch and deck.

Make the Inside Warm and Cozy

In cold weather, buyers won't spend a lot of time examining a home's exterior. Instead, impress them with the inside by creating an atmosphere which causes them to want to move in.

When there's time, leave wintery types of snacks and drinks, such as hot cocoa and cookies, available on a table during showings. This gives your home a welcoming feel to buyers.

Light the fireplace (if you have one) for a lovely ambience and set your thermostat to a comfortable setting. A warm home in the winter is much more appealing than a chilly one.

Make Your Home Less Personal

Understandably, this can be a tough thought for homeowners. After all, you've spent years creating memories in your home. To buyers, though, they need to picture it as their own. Too much personality makes that difficult.

It's always important to stage your home in a way that makes it look clean, comfortable, and move-in ready. Don't feel offended by the idea of taking family pictures down and replacing them with generic décor. This will help your home sell faster by helping buyers envision their own things there.

Cleanliness and Maintenance

Clean, clean, and clean some more. Make appliances, counters, and floors shine. No matter how old your home is, it needs to feel like new to potential buyers. If you aren't into dusting, now is the time to try. Don't forget window coverings that might need washing.

Be prepared ahead of time for home inspections by taking care of maintenance now. HVAC systems, plumbing, and electrical should all be up to code and running smoothly.

Use these tips for selling a home in the winter, exercise patience during the slower months, and your home will sell before you know it.

Entering your 20s means you'll quickly need to learn how to navigate the world of personal finances, much of which you probably didn't learn in college or high school courses.

Without any previous lessons on finances, it can be challenging to know where to start. Follow this guide as we outline the financial decisions you'll need to make in your 20s.

Setting a Budget

The first step to being a fiscally responsible young adult is setting a budget. Your budget will determine many future financial decisions, from where you can live to what splurges you can make. Look at the expenses you currently owe every month and your projected income to determine how much you should be spending on bills, daily expenses, etc.

Tackling Debt

Getting rid of your debt as early as possible is a critical step for newly independent 20-year-olds. However, some may not be able to get rid of debt as soon as they hope. Once again, look at your budget, then decide if you'd like to put more toward tackling debt now or pay your loans as they come.

Getting Coverage

While you may be able to hold onto your parents' insurance until 26, you'll have to choose your own plans sooner or later. From health insurance to renter's and car insurance, you shouldn't skip an opportunity to cover yourself in the case of an accident. Find a provider and plan you're comfortable with, and get your coverage as soon as possible.

Saving for a Rainy Day

Navigating how to save is another critical financial decision you'll have to make in your 20s. Living paycheck to paycheck is not a sustainable course of action. Even putting a small portion of your wages into a savings account can make a big difference—especially if an emergency you didn't prepare for occurs.

Starting To Invest

Investing is a scary topic for young adults, but it's a great way to build wealth. Starting to invest as a young adult will set you up for success on your long-term financial plan. However, be sure to conduct research before jumping into the market to decide when, where, and how much you'd like to invest.

Your 20s are an optimal time to learn and grow. One area of life you'll undoubtedly learn a lot about is managing finances. Use this guide to help you get started on the path to becoming a fiscally responsible adult.

Tax deductions can be tricky to understand if you're new to the finance world.

One of the biggest sources of confusion is knowing what you can and can't deduct from your taxes. Deductions can be a massive financial boon for a lot of people, yet not everyone files for them correctly. This causes people to miss out on money that should be theirs. We'll go over some of the most common tax deductions that are overlooked, so you don't get shortchanged when Tax Day comes.

Charitable Contributions

When you start regularly giving to charity, even if the donations are small, you'll want to start getting itemized receipts for your donations. These receipts will help you write off these charitable contributions on your taxes. You can even write off supplies that you bought for use in a charitable cause or any miles you drove on your car while in service to a charity. Make those donations to the Purple Heart Pickup with an open heart, but make sure you get your deduction on top of that.

Student Loan Interest Payments

Student loans take up a significant amount of a lot of people's money. If you're one of these people, make sure that you get a deduction on the amount of interest you paid off in the last year. What's important to remember is that even if you aren't someone's dependent, you can write off the money someone else gave you to pay for said student loans. If someone else helped you pay off part of your loan, don't think that means you can't still get a deduction on that sum.

Child and Dependent Care Credit

If you have a reimbursement account through your job that pays for child or dependent care, you might be forgiven for forgetting about this particular tax credit. However, you can use these funds for a tax credit if you file for them correctly. This is hugely important because this is an opportunity to receive a full tax credit, not just a deduction. You're losing money you could be directly receiving if you don't file for this credit.

Jury Pay Given to Your Employer

A lesser-known tax deduction that often gets overlooked is the money you can deduct from jury pay you gave to your employer. It may not be the most exciting thing to come out of jury duty, especially after handing over any money you receive to your employer, but you do get to deduct however much money your employer made you hand over after you finished jury duty.

Credit for Saving

While this credit is more for people that are working part-time or for those that have a retired spouse, you can get a tax credit for contributing to a 401(k) or another retirement savings plan. This is also a great incentive for those that are just starting out in their careers and need another reason to start saving for the future.