Photo: Bram Naus

Let's face it: not every first, or second, or fifth job is the perfect position that a person has dreamed about since they were eighteen. The truth is that part of what makes a career successful is one's ability to change. That might mean changing jobs a dozen times or even changing career fields. These choices to start over are not failures; they are steps in pursuit of success—they show intelligence, courage and drive.

You are a person containing dreams and fears, ambitions and anxieties. You might have answered every "when-you-grow-up" question since you were eight with "elementary school teacher" but, when you finally earned that position, the school's principal turned out to be unorganized and the other teachers were unfriendly. Even a seemingly perfect position might land you in a negative workplace. There are so many reasons you might want or need to change jobs. The first step is realizing that you do want to change and that this change will be a positive step in your successful career.

Recognizing that it's time

This first step is tricky because everybody moans, jokingly or not, about Mondays and working late and unreasonable bosses. It's when you realize that you dread Mondays—that you have trouble even enjoying Sundays because Mondays come next—that a change is necessary. Some signs that this is the case:

  • You're as stressed about going to the job as you are about doing the work it involves.
  • You feel stuck without hope of advancing.
  • You don't feel comfortable with coworkers and weekly meetings are demoralizing.
  • The quality or timeliness of your work suffers because of anxiety or disinterest.
  • You feel that you deserve a better salary for your level of experience.
  • Evaluation of your work is irregular or nonexistent, leading to constant fear that you aren't succeeding.

These signs indicate that the job is simply not right for you. It is not your fault. But it is your responsibility to admit this and take action to rectify the situation.

Leaving a job

Changing jobs might, at first, seem like adding work and stress to an already draining situation. It is undoubtedly work but it's work that will move you away from a negative position and closer to your perfect job. If you are leaving a good employer because you want to advance, it will be easy to remain polite and respectful during your exit. However, if you are leaving a particularly bad position, it is equally important to act professionally. You cannot throw away work relationships or a potential employer reference by ranting on social media or sprinkling your letter of resignation with shade.

To a boss you liked working for, consider offering help during the transition process. Give two weeks' notice and write a polite, gracious resignation letter. Make the best of a possible exit interview by focusing on what you learned and liked. If you've had a good relationship with your employer, you can even ask for a letter of recommendation.

Leaving a job you hated is trickier, emotionally. Start with yourself: remind yourself that leaving this job respectfully is part of the road to your dream position. Realize that you're intimidated by a job search and unhappy in general because of the job you are leaving and that things will become better when you've moved on. Do not surrender to anger or impatience: even the worst employer could be a reference in the future. Ignoring your pride and frustration is important in moving to your next position quickly.

If you have to, write out your rage on a loose-leaf paper and tear it up into the trash. Then, calmly, carefully write your respectful resignation letter. You can find the positives: was there one coworker with whom you connected? Did you learn anything from the job? (You did, like it or not.) Finally, do not post to social media unless you are prepared to praise the job you've despised and thank its employees and administration.

Post-job job searching

In most cases, it's a good idea to start your job search before you've fully resigned. While it should be kept private, searching before you've left allows you to talk to potential employers about your decision to look for advancement rather than explain why you suddenly left a position without preparing your next step.

If you're changing careers or fields, consider taking free or paid online courses to build skills and boost your resume. Some offer certificates and others will show up on your LinkedIn profile. All of them will make you more confident in your change and in the interviews that come with it.

The most important key to a strong job search is reminding yourself of the reasons that made you start it. You suffered long enough in a bad position or you've been ready for months for advancement after a stagnant job: either way, you're moving closer to your dream position. Aim carefully for it. Start your search with that dream burning brightly in your mind. You deserve that job and, now, you're closer to it than you've ever been. It took courage to admit that you weren't satisfied. With that same courage, push for the best for your life and career and find your perfect fit.

Tom Twardzik is a writer covering personal finance, productivity and investing for Paypath. He also contributes pop culture pieces to Popdust, travel writing to The Journiest and essays to The Liberty Project. Read more on his website and follow him on Twitter.

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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