Going to work every day to face an unpleasant or unjustifiably harsh boss or coworker can make even a job you love distressing. There's often no clear or simple way out of a situation like this, but with some helpful tips you'll be able to face the problem with confidence and move steadily toward a solution. Learn how to handle a tough boss or coworker and begin to like your job again.

Dealing with a Difficult Boss

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The first step towards a solution is to examine your boss's perspective. Put yourself in their position and see if you can feel the reasons they behave the way they do. It's extremely difficult to do this if you feel like the victim of unfair treatment, but it might help you find the best path toward fixing the problem.

If your boss stresses you out daily about each small task, confronting them about the habit probably won't stop their micromanaging. The best defense against this behavior might simply be to accomplish the tasks you know they'll expect you to do before they ask. Consistent self-management is a good way to demonstrate that you don't need constant supervision from others.

Every solution begins with communication. This doesn't mean directly addressing the problem every time you talk to your boss. Instead, it means nurturing the relationship between worker and manager and hoping that this naturally calms the tension and more closely aligns the goals and expectations of both parties.

If there's simply no way forward and your life at work and at home is suffering because of the stress, it might be necessary to try to transfer to a different team, department, branch or—if the situation is irreparable—company.

Handling a Difficult Coworker

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Workplace relationships between coworkers are even more important than those with bosses. Unfortunately, not every situation is ideal. You might have trouble focusing on your work when you're surrounded by talkative, distracting partners. Or, you might feel like you can't break through with a coworker to form a real friendship.

Dealing with negative effects on your work is difficult and delicate. Like handling a tough boss, addressing problems with a coworker starts with consideration and communication. Standing in their shoes, can you see a reason for their actions? Is there anything you can do to help them that would stem the cause of the problems? Is the situation mild enough that meeting about it and discussing your feelings with the other person would help?

If a coworker's negativity is bringing you down, it's probably best to spend time in another circle of employees or another area of the building. If an employee is overly competitive and uses rudeness or insults to hamper your work, it's important to keep the focus of meetings and presentations on the success of the company and away from personal success. Their selfishness will stand out unattractively next to your teamwork.

A serious problem at work is a colleague who bullies. This is an issue that requires courage and patience to address. Always stand up for yourself but don't fall for bait or lose your temper: calmness and firmness on your part will win this confrontation. However, there are many, many battles in the long war against bullies and constantly spending energy on it will take away from your work. At this point, it's best to take the problem calmly to a superior. HR departments and administrators are trained to deal with this type of problem, so don't be afraid to ask for their help. After all, your happiness at work will only benefit the team and the whole company.

Working in a healthy environment sometimes means having difficult conversations about difficult relationships with bosses and coworkers. These moments are important because you worked hard to earn the position you have and you don't deserve to have it ruined by rude or inconsiderate people. Plus, mending these relationships could make the job even better in the future. Have confidence, use your patience, and act firmly to make your workplace a comfortable, productive space that you'll enjoy going to every day.

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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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