You're exhausted, stressed, and overwhelmed. Your workload feels insurmountable, and the more you try to tackle it, the harder it becomes. You haven't spent time with friends, gone to the gym, or eaten anything that wasn't delivered in weeks. You feel out of touch with your life outside of work and that only compounds your anxiety. Your body is telling you that you need a day off, but your mind can't even conceive of it.
Welcome to job burnout—a growing workplace condition that as many as 67% of Americans have experienced, according to a recent Gallup poll. "A lot of burnout really has to do with experiencing chronic stress," Dr. David Ballard, head of the APA's Psychologically Healthy Workplace Program, tells Forbes. "In those situations, the demands being placed on you exceed the resources you have available to deal with the stressors."
If this sounds all too familiar, it's probably time to take action. Maybe quitting your job, or even taking a two-week vacation isn't realistic at the moment. But a personal day to recharge and reset? Sometimes, 24 hours can make a difference.
Sure, you may not have the flu or a broken bone, but that doesn't mean you have to feel guilty for taking a breather. "Many people...don't feel entitled to prioritize their well-being," psychologist Alison Ross tells US News and World Report. "In my view, the short-term gains from giving oneself a break – even if it's one day out of the office – can make a big difference in terms of reestablishing a better sense of well-being."
Call it a sick day if it makes your boss feel better, and tell yourself it's a mental health day if it alleviates any personal guilt. What's most important is that the next 24 hours are stress-free. Once you've set aside the day, it's time to consider the best way to reset and recharge. Barring doing work on your day off, there is no wrong way to spend your personal day. But setting your intention and paying attention to your most pressing needs is crucial. "A mental health day should be designed to give your mind, body, and spirit just what it's craving most—which is different for every person," work-life expert Kathy Caprino tells Shape. With that in mind, here are some options to help you make the most of your day off.
If you want to feel productive without logging on
Clean your fridge, reorganize your closet, Marie Kondo your desk drawers. Find that cluttered or dirty spot in your home you've been meaning to tackle, put on your favorite podcast and go to town. Take your time, enjoy the process and don't spend more than a few hours on it. The idea is to accomplish one small task on your backlogged to-do list that will make your life a little easier when you return to work. Maybe a cleaned-out closet will make you want to get dressed the next morning, or a freshened up desk will inspire new ideas.
If you want to kickstart a healthy habit
When you're in all-work, no-play mode, everything—even crucial self-care habits—get tossed aside. Pretty soon, the idea of taking a yoga class or going for a run seems like a luxury you can't afford. Your day off is a good opportunity to remind yourself how important your physical and mental health is to your overall well-being, not to mention productivity. Take an exercise class, download a meditation app like Headspace, go for a bike ride, and while you're at it, consider how to make time for one of these healthy habits on your workdays. If you've been eating takeout, you might want to treat yourself to some fresh produce and prepare some healthy meals for the next few days. For inspiration, check out some quick (and budget-friendly) recipes here.
If you're missing that connection with people you love
Is there a friend you haven't seen in ages or a family member you just need some quality time with? Burnout can make you feel like your losing yourself, and connecting with loved ones is the best way to remember what matters to you most. Whether exploring a new part of town with a friend, grabbing lunch with your sibling, or just Facetiming with your mom for an hour, catching up with your core folks can reset your priorities and ground you when you're feeling lost.
If you want to plan your next move
So the thought of going back to work in 24 hours makes you sick to your stomach and you know you need to change your job, heck, your career trajectory. Deep breath. You can't figure it all out in one day, BUT you can get yourself on the right track. The first thing to do is look at your finances, figure out how much you need to earn, how much you've saved and whether or not you have enough to live on if you really need to quit your job. Next, start thinking big picture. Ask yourself these larger career questions and write your answers in a journal, read up on some job-shifting advice, and check out this 6-step plan to help you figure out your next move. Don't expect to have all the answers right away, but making room to consider what's possible—financially and professionally—will set you on the right path and help you feel more in control when it's time to go back to work.
If you just want to feel better
If you're feeling physically sick or mentally unable to cope, use this time to set up doctors appointments—whether with specialists, primary care physicians or therapists. If you can see someone on your day off, great, but just getting some appointments on your calendar is a huge step in the right direction when it comes to prioritizing your health over your day-to-day job responsibilities.
If you're simply exhausted and need to shut down
Sleep, my friend. Sleep as long and as hard as you can. And when you wake up, binge watch all the shows, read all the books, take all the baths and wear all the cozy slippers and robes. Stock up on guilt-free relaxation and give your body what it needs. Restorative sleep and relaxation is essential for physical and mental well-being and if you get enough of it, you will be 100% sharper when it's time to get back to work.
No matter how you spend your personal day, don't forget that it's PERSONAL. If you're planning on doing work, that work should be dedicated to your life rather than your immediate superior's needs. While you might not be able to cure burnout or fix all your work problems in 24 hours, hopping off the treadmill for a day gives you a chance to regroup, recharge and gather the strength to make bigger changes down the road.
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Whether you are looking for a new job or trying to grow in your current one, getting a certification can be a great way to improve your skills.
Anyone can put that they are proficient in a computer program on their resume but having a certificate can help you stand out amongst the competition and give credence to the strength of your skills.
But what's the best way to invest in yourself without breaking the bank? Some certification programs can cost hundreds if not thousands of dollars. We are going to walk through six of the best certifications you can get for $100 or less.
Who is it best for: Those who work with analyzing and presenting data.
Cost: $100 for Tableau Desktop Specialist; additional certifications are available for a larger fee.
More companies than ever see themselves as data companies. Being able to understand data and use it to guide decisions at your company is often critical to taking on a leadership role. Not to mention, being able to present the data in a clean, attractive, and compelling way can help get buy-in from others in your organization or clients. That's why Tableau is a great tool to have in your toolbox.
Tableau allows you to create interactive visual analytics dashboards. In layman's terms, you can take data; create graphs, maps, or charts; and then allow end-users to interact with these graphics to better understand the information. It's a fantastic tool allowing non-technical users to gain insights for data-driven decision-making.
Tableau Desktop Specialist certification starts at $100 and has no expiration date. There are many videos on Tableau's site to prepare for your exam as well as Tableau Starter Kits allowing you to play around and learn the different capabilities of the program. Tableau offers a 14-day free trial as well as free license for one year for students.
Additional certifications after Desktop Specialist are Desktop Associate and Desktop Professional. Those working with a Tableau server may also be interested in a separate certification as a Server Associate or Server Professional.
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When you take out a loan for a car, charge something to your credit card, or get a personal line of credit, there is going to be an interest rate that applies to your loan.
A lot of different factors go into what you will be charged, including your own personal credit score. But even those with flawless credit still see a minimum charge that they can't get around. That all goes back to the Federal Funds Rate.
One thing consumers rarely realize is that all of our banks are lending money to each other every night. Banks are legally required to maintain a certain percentage of their deposits in non-interest-bearing accounts at the Federal Reserve to ensure they have enough money to cover any withdrawals that may unexpectedly come up. However, deposits can fluctuate and it's very common for some banks to exceed the requirement on certain days while some fall short. In cases like this, banks actually lend each other money to ensure they meet the minimum balance. It's a bit hard to imagine these multibillion-dollar financial institutions needing to borrow money to tide them over for a bit, but it happens every single night at the Federal Reserve. It's also a nice deal for those with balances above the reserve balance requirement to earn a bit of money with cash that would normally just be sitting there.
The Federal Reserve
The exact interest rate the banks will charge each other is a matter of negotiation between them, but the Federal Open Market Committee (FOMC) (the arm of the Federal Reserve that sets monetary policy) meets eight times a year to set a target rate. They evaluate a multitude of economic indicators including unemployment, inflation, and consumer confidence to decide the best rate to keep the country in business. The weighted average of all interest rates across these interbank loans is the effective federal funds rate.
This rate has a huge impact on the economy overall as well as your personal finances. The federal funds rate is essentially the cheapest money available to a bank and that feeds into all of the other loans they make. Banks will add a slight upcharge to the rate set by the Fed to determine what is the lowest interest that they will announce for their most creditworthy customers, also known as the prime rate. If you have a variable interest rate loan (very common with credit cards and some student loans), it's likely that the interest rate you pay is a set percentage on top of that prime rate that your lender is paying. That's why in times of low interest rates (it was set at 0% during the Great Recession), a lot of borrowers should go for fixed interest rate loans that won't increase. However, if the federal funds rate was relatively high (it went up to 20% in the early 1980's), a variable interest rate loan may be a better decision as you would be charged less interest should the rate drop without the need to refinance.
The federal funds rate also has a major impact on your investment portfolio. The stock market reacts very strongly to any changes in interest rates from the Federal Reserve, as a lower rate makes it cheaper for companies to borrow and reinvest while a higher rate may restrict capital and slow short-term growth. If you have a significant portion of your investments in equities, a small change in the federal funds rate can have a large impact on your net worth.
Whether you're leaving a job involuntarily, departing for something new, or just want to prepare for the unknown, it is smart to understand all your options regarding your 401k.