In 2005, I opened up a Gmail account and received my first message welcoming me to my new inbox. Today, my account contains 39,000 messages—including the 8,700 I haven't yet opened. To say that it's a source of stress would be an understatement. Between Gmail, work accounts, Slack, Facebook, Instagram, Twitter, Trello, text messages and yes, the occasional phone-call, it feels like an endless game of whack-a-mole. The minute I respond to one message, another pops up, leaving me with the gnawing sensation that I will never, ever catch up—especially if I want to accomplish anything aside from correspondence. With email, "you have the false sensation of advancing toward a goal, but the moment you look away, the target shifts further into the distance as more messages roll in," Jocelyn K. Glei, author of Unsubscribe: How to Kill Email Anxiety, Avoid Distractions, and Get Real, tells The Muse.
I may have an exceptionally daunting inbox, but my anxiety about it isn't unique. On average, Americans spend 6.5 hours a day just checking their email—that doesn't include reading or responding to messages. That kind of time suck has taken its toll. With record rates of stress and anxiety among the millennial workforce, the expectation of flexible boundaries and constant communication may be partly to blame. According to one recent Virginia Tech study, managing the barrage of work emails at all hours of the day along with personal responsibilities, "triggers feelings of anxiety and endangers work and personal lives."
It's no wonder we break into cold sweats when we open our email accounts. "A lot of people easily get hundreds of emails a day," occupational therapist Angela Lockwood tells the Sydney Morning Herald. "They get anxious, thinking, 'I don't know how I'm going to cope.'" The result is a very real and uncomfortable anxiety that can be paralyzing. So how do we avoid this feeling without avoiding our email altogether? Here's some expert advice I'll be taking to heart.
Turn Off Your Alerts
The first thing you need to do is turn down the volume on the noise. If you have notifications on your phone that pop up every time you get a new email or social media alert, shut it off. "Email anxiety is very much around that constant intrusion into our day from notifications," suggests Lockwood, author of Switch Off: How to Find Calm In A Noisy World. "So the anxiety doesn't just happen when you open your computer in the morning, it's constant throughout the day." In today's world we're expected to be multitaskers, but it's impossible to complete just one task if we're constantly distracted by reminders of others. It's not like you're going to forget to check your accounts throughout the day, but in order to avoid that panic of inundation, you need the ability to focus on one thing, rather than a million little beeps and buzzes that may not be a priority at the moment.
Batch Your Tasks
"To achieve maximum productivity, we should schedule, prioritize and match the most important tasks that demand the majority of our attention with our periods of high energy levels," suggests The Ladders' Mayo Oshin. "On the flip side, our least important or less demanding tasks should be matched with the lower periods of energy." That means setting aside chunks of time during the day to deal with different types of emails. Oshin suggests checking in three times a day, setting aside 30-60 minutes each, depending on the volume of emails. You should get the most pressing emails out of the way immediately when you have fresh eyes and the most energy, and set aside those less urgent ones for later in the day when you need a break.
Set Your Boundaries
Yes, some emails require immediate responses, but most can wait. (The Muse has a handy guide for lag time etiquette if you're ever unsure.) The problem is that the quicker you respond to emails, the higher the expectations become.
"Be sure to also think about the psychological messages you're sending along with your emails," suggest the folks at TrackTime24, an app designed to help you manage your tech time more efficiently. "Responding immediately trains people in a negative way and sets expectations that can be tough to maintain. Once you're known as someone who drops everything to reply to an email, delayed responses will begin to rub people the wrong way. But if you never set that expectation, taking your time to reply won't make waves."
Cognitive psychologist and improvement coach Amanda Crowell tested this theory herself, by waiting a day before replying to every email. Turns out the world didn't end, and she was able to discover which emailers required the most urgent responses and which ones were less likely to take offense. She was also able to send a clear message that she wasn't always available to everyone immediately. "We are holding ourselves in this prison of constant connection!" Crowell tells Quartz. "It's all about knowing what you really want, and then taking the small steps to get a little bit closer, and a little bit closer over time … that accumulation results in a different life."
Embrace Your "Inbox Infinity"
A few years ago, before the volume of emails in our collective inboxes grew out of hand, the idea of Inbox Zero—or a cleaned out inbox—seemed somewhat attainable. But the trend has gone in the other direction, and for good reason.
"The compulsion to empty our email inboxes is an addictive habit that makes us feel like we're making progress and getting things done, but in reality, we're wasting precious time that could be spent on our most important tasks," writes Oshin.
To remedy this addiction, The Atlantic's Taylor Lorenz came up with a new, more realistic approach to the email pile-up: acceptance, or what Lorenz calls Inbox Infinity. "One critical step in the inbox-infinity method is to publicly admit that you have too much email to handle and be up front about not responding," Lorenz writes. "You can start by messaging close contacts and family members, providing them with alternative ways to reach you."
You can also set an auto-reply that alerts emailers about when to realistically expect a response, and how to reach you if the matter is urgent.
"Since putting up my own out-of-office responder on my personal inbox and adopting inbox infinity, I've felt my stress about opening my mailbox decrease," writes Lorenz. "I've also found that setting the expectation that I may never see or reply to an email makes people even more grateful when they do get a response."
The most important thing to remember is that you are the master of your own inbox. We are all weighed down by the pressure to keep up, but if your unread messages are causing you major anxiety, it's time to relax, take a breath, and consider picking up the phone. Sometimes responding to someone the old-fashioned way is the healthiest move for everyone.
The National Financial Educators Council (NFEC) surveyed young adults in 2017 and asked them what high school level course would benefit their lives the most.
The majority responded that money management was the course that would be most beneficial.
With personal debt is at its highest record and COVID-19 threatening to have the hardest economic effects on youth, understanding money and finances is an important life lesson that should be taught to children at a young age.
The following is a list of the best financial literacy lessons and tips to teach children throughout different life stages.
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.
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.