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We are creatures of habit, be it in our actions or through our words. And when it comes to words, some common ones threaded together need to be eliminated from the workplace. Commonly used (and often overused) workplace phrases and jargon are not only annoying, but can become meaningless when incorporated into conversation after conversation.

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In fact, as per Independent, "A survey for Wonga.com found that office workers annoy their colleagues at least ten times a day with such phrases. A lot of office jargon seems to act as an intelligence amplifier. We feel that we sound brighter by using a jargon word instead of plain English. One way office jargon does this is by replacing plain, useful, straight-to-the-point-language with language that circumambulates the point."

If you aren't one of those to blame for keeping this practice going, then you've surely been on the receiving end, with an open ear that you wish was stuffed with a wad of cotton. Yet, we have become so accustomed to these phrases and jargon that it becomes something we expect to hear during work calls, meetings, and sales pitches, and read in emails and memos.

What gives? Can't we come up with something new to say? We don't use these phrases and jargon in other areas of our lives, so why are they expected and accepted at work? Before becoming the next person to jump on the irritating conversation-crushing bandwagon, take note of these common workplace phrases and jargon and vow never to utter the words again. You'll not only get your point across with more meaning since most of us have become numb to the sound of these, but co-workers, colleagues, bosses, clients, and staff will appreciate your flair for commanding the English language with a new way of communicating effectively and productively.

"Move the Needle"

You've surely heard this one before, if not once, then many times, as "move the needle" is a workplace favorite. And while the concept – "generate a reaction," as described by Microsoft – is an important one, why not more directly say, "generate a reaction?"

"Generate" is more powerful than "move," and in 99 out of 100 cases, there is no physical "needle" to refer to when it comes to assessing change.

How about saying, "Let's positively impact or move a project forward," as Cheesy Corporate Lingo writes. The direct and confident nature of such a statement will encourage the team to get to work and make change that is noteworthy and valuable.

So, let's move "move the needle" to the annoying workplace phrases graveyard.

"Thanks in Advance"

"Thanks in advance" is most commonly used in an email situation, but it is wildly overused and must no longer be the closer of an otherwise well-composed correspondence. Essentially, you are assuming that the person you are asking something of will automatically be on board to assist or comply. It is presumptuous and probably not what you intend to convey in the first place, which is thanks for reading my email and considering my proposition.

Academic Workflows on a Mac notes, "I find this trend bordering on offensive. When you ask someone to do something over email by the time they read to the end of the email they have neither done what you have asked nor have agreed. Another problem with this phrase is it implies that your obligation to say thank you is done and you don't need to express gratitude after the person actually does what you have asked them to do." They suggest swapping "thanks in advance" for a more fitting phrase such as,

  • "I really appreciate any help you can provide.
  • I will be grateful if you can send me this information.
  • Many thanks for considering my request.
  • In the meantime, thank you so much for your attention and participation."

So, thanks in advance for cutting this phrase out of your workplace lingo.

"Let's Touch Base"

According to Intelligent Instinct, "'Let's touch base' means roughly, 'Let's get together to review or gauge our current status'." Yet for some reason, saying "let's get together" isn't workplace-savvy enough to fit the bill.

Surely most people don't use this phrase at home – "Johnny, let's touch base after you do the dishes," or "After our Mommy and Me class, let's touch base at the coffee shop and plan Katie's surprise party," so why must we do all this base-touching at the office? Most of us aren't ball players, so there's no reason to round any bases.

As per Hubspot, "A Glassdoor survey revealed roughly one in four employees think 'touch base' is the most annoying buzzword. So, if you often toss it around, you might be irritating your coworkers, prospects, and connections."

Hubspot offers some less-annoying "Let's touch base" alternatives that are far straightforward and simple:

  • I'll call you at (date and time)
  • Can we meet for (X minutes) sometime (this week, month, etc.)?
  • Let's meet again in a (day, week, month, etc.)
  • Let's share our progress…
  • Let's catch up…
  • Please call me…
  • Please send me an update/ I'll send you an update…

See, it's easy to "touch base" without having to strike out in your conversation.

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Some other doozies?...

  • "I Don't Have the Bandwidth" – "Something business people say to describe the resources needed to complete a task or project," as defined by Urban Dictionary.
  • "Where's the Value-Add?" – "Term used in service and retail industries, meaning to connect a service or additional product to a product at no immediate cost to the buyer. This cost is often included (read: hidden) in the base price, but is called out to make the customer feel as though they are getting more than they paid for," as per Urban Dictionary.
  • "Let's Circle Back" – "Connecting with folks on a business issue and letting things happen, then going back to them after a few days or after things evolve," as defined by Net Lingo.
  • "Think Outside the Box" - "To think imaginatively using new ideas instead of traditional or expected ideas," as per Cambridge Dictionary.

Reboot your workplace vocab and rid yourself of those phrases and jargon that are getting under everyone's skin. "To-the-point" is always better than "What's the point?"

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As the years go by, you'll likely need to make some large purchases here and there. Plan for these major life purchases by identifying them and saving early.

While it's possible to be frugal with many aspects of your lifestyle, there are certain events and possessions that will require you to spend a substantial amount of money. Thus, a wise course of action is to begin saving well ahead of time while thinking about your goals for the future. This way, you'll be able to maintain a stable financial state even when faced with those large expenses. The following are a few major life purchases that you should plan for.

A Wedding

Marriage is a joyous occasion that many people look forward to. However, a wedding can be quite expensive, often costing thousands of dollars. Your family and your future spouse's family will often contribute to covering this, but you should still prepare to spend a good deal of your own money on the ceremony. If you're in a serious relationship and are considering marriage, you should plan where the funds for the wedding will come from and take the necessary actions to accumulate them. It's also crucial to discuss financial matters with your partner, since your property will merge once you get married.

A New Car

Automobiles remain one of the top modes of transportation. As a result, you may want to purchase a new car at some point in your life. Although you may be fine with an old or used vehicle at present, you may one day be motivated by a desire to acquire something nice for yourself or by the practical needs that arise as you raise children. Whatever the case, obtaining a new car is a major life purchase that you should plan for.

In addition to setting aside funds to eventually put towards a vehicle, you should also aim to build you credit score. This is because your credit score will determine your available car loan options. The higher your credit score, the more you may be able to lower your interest rates on your car.

A House

Owning your own residential property is a worthy objective that you may hope to make a reality one day. Ideally, you should save about 20 percent of the total cost of a house before you buy it. This will allow you to make a larger down payment and thereafter face less interest on your mortgage.

As with acquiring a car, the mortgage options that you'll have can change based on how strong your credit score is. You'll want to increase your score as much as possible in the years leading up to buying a house so that you can get more favorable interest rates. In addition to contemplating down payments and mortgages, you must also remember that you'll need to deal with property taxes, insurance, maintenance and repair fees, and sometimes homeowners' association charges.

It's also necessary to hire a real estate agent to help you with the buying process. There are different types of real estate professionals. You should know how to distinguish between buyer's agents and seller's agents so that you can obtain favorable prices on homes as well.

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When you are newly hitched and learning how to combine your essential legal and financial information as well as your accounts, it can be confusing.

Many people live together before getting married and have begun the process of combining accounts and sharing responsibilities. However, some people wait to do this only after marriage, and others wait until they're married to live together. Whichever path you've chosen, it's still crucial to know a few tips to manage money together as newlyweds to determine where you should begin and how you can remain on the same page.

Discussing Money Motivations

As we begin to share money with our significant other, we soon find out what one person may rank as a priority regarding money and the other may not. As such, sitting down and discussing money motivations is important. Two people who cannot agree on how to handle money may cause serious issues. This should include:

  • How to deal with money following payday. Is a percentage put into savings? Is that the day to splurge on dinner, drinks, and more?
  • The frequency and size of payments made to debts. Some people like to pay minimums, whereas others pay in full or make double payments.
  • What do you each consider money well spent? Is it a new 70" 4K television? Is it an investment? Is it paying as much debt off as possible?
  • How do you go about consulting each other before making purchases over a certain amount?

Establishing Financial Goals

After you evaluate the motivations behind your money and how it should be spent, you'll need to spend time together hashing out financial goals. As newlyweds, there are certain things on your list that you're going to want to save for. How do you go about that? How much of each paycheck will you dedicate to a particular fund?

Some things in the future worth making a financial plan for include savings and paying down debts. This is the time to be honest about your current financial standing. If you're looking to buy a home, you'll want to assemble a first-time homeowner financial checklist to begin to develop topics of conversation. Some of the things to consider setting goals for are:

  • Student loans
  • Car loans
  • Future children
  • A house
  • Medical bills
  • Delinquencies on credit reports
  • Vacation and rainy-day funds
  • Emergency funds

Budgeting Together

The more honest and open you can be with each other about the money you have and now the debts you share, the better. Implementing plans for the best ways to have the things that you both desire while still taking care of existing demands is important. These can be uncomfortable things to talk about; however, these conversations are necessary.

Following these tips to manage money together as newlyweds will allow you to have a starting point for conversations that can be tough to start. The sooner you and your partner get on the same page with finances and the responsibilities that come with them, the easier the transition will be and the sooner you'll find success.

It's the dream: money you can count on to keep rolling in, even while you sleep.

Passive income isn't entirely passive, of course. You'll put in work up-front to get the profits rolling, so don't relax in your recliner just yet. But with so many potential sources of passive income available to you, picking one or several will mean that the day you can finally kick back will draw steadily closer.

Rental Properties

Real estate is a tried-and-true wealth builder for a simple reason: people will always need somewhere to live. Research the market in a growing community until you know a good deal when you see it. You can maximize rent by fixing up a deteriorating property or upgrading a mediocre one. The key is to hire a property manager to do all the day-to-day landlord duties for you—and you'll need a good one. Smart investors put their profits in another property and repeat the process until they have a diverse portfolio.

A YouTube Channel

You can start a blog if you're more comfortable hiding behind a computer, but consumers are more likely to prefer video content. Post a series of “how-to" videos to answer questions about whatever you're an expert in.

You can put up any content you want, but if you don't want to commit to regularly updating it, focus on “evergreen" topics that will draw clicks for eternity. Ads will create your income, especially if your channel grows in popularity. Better yet, sign up for affiliate marketing. If you recommend a product and provide a link to buy it, you'll get a small percentage of those transactions.

Auto Advertising

If you don't mind vinyl-wrapping your car with an ad for a company, you can get cash just driving around and running your errands. Make sure you contact a reputable company that doesn't ask for any money from you; if they're the real deal, they'll evaluate your car, your driving habits, your area, and more. Bonus: the brighter the ad, the easier it'll be to find your vehicle in the parking lot.

Digital Products

What's something that people will pay for but doesn't require shipping on your part? Finding that item is what can supplement your income indefinitely. Write an e-book, charge for your cross-stitching patterns, design prints that people can digitally download, invent an app, record a “masterclass," or whatever else you want. Every time someone new discovers it, the cash register rings. With a little more effort, this is a potential source of passive income for you that can continue to grow. Once you build up a customer base, they might want more products. The good part is that it's up to you whether you wish to give it to them.