Maybe you love your job on paper, but in reality something is dragging you down. And that something is the person in the cubicle a few feet from your own. Most job descriptions don't account for the amount time we devote to workplace dynamics—whether that means withstanding foul lunch odors emanating from the office microwave or worrying about your boss's overuse of exclamation points in an email. But those are just minor issues compared to the burden a toxic coworker.
You know when one is in your midst—they slow down your progress, put a damper on your positive approach to a project or just make you feel like you need to watch your back 24/7.
It's not about a clash of personalities or a difficult person you can try to overlook. True toxic coworkers can poison the well of productivity and even muscle you out of your position. A study by Harvard Business School researchers recently found that toxic behavior in the workplace caused stress for their coworkers, lessended productivity and prompt "other employees to leave an organization faster and more frequently," according to the Harvard Gazette.
So what qualifies as toxic behavior and how do you put a stop to it before it spirals out of control? According to HBS researchers, certain character traits like extreme selfishness, overconfidence, too much risk-taking or an emphatic enforcement of rules, could all be predictors of the kind of coworker you want to avoid. To further break it down, we rounded up the three worst types of toxic coworkers and what to do about them.
Gossiping about coworkers, fishing for intel that crosses personal boundaries, spreading unreliable information about the company and its employees.
How To Shut It Down:
Gossiping and spreading rumors is one of the hallmarks of toxic workplace behavior, according to research published in the Harvard Business Review. While often rooted in insecurity and a need for control, these kinds of coworkers are masters of contagion, creating an environment of paranoia that can be paralyzing.
Sara Stanizai, the founder of Prospect Therapy, suggests keeping your personal life personal when confronted with such colleagues. "It might not mean that you're necessarily limiting what you share, but you're proactively thinking about how you want to present yourself to others," Stanizai summarized in her advice to Girlboss. "In this way, you'll safeguard yourself against potential rumors, and possible preconceived notions about your capabilities."
Still, when confronted with a rumormonger looking for a scoop, shutting it down can be awkward. The Muse's Lea Mcleod, a career coach, has a solution. "Gossip mongers often have little regard for fact," she writes. "So, when I hear something outrageous or questionable, I push for real answers."
She might respond to gossip by saying "Oh, wow, that sounds pretty extreme. Is that a fact? Or did you hear that from someone?." The result? "You'll quickly set the expectation that you won't engage in frivolous chatter that's not based in fact," explains Mcleod. "In turn, gossips will likely steer clear of you because asking for facts takes all the fun out of it for them."
Signature Moves: Focusing on the negative aspects of the job, constantly shutting down ideas and creating obstacles at every turn.
How To Shut It Down:
Much like The Rumormonger, The Downer's toxicity can be contagious. You may find yourself lacking motivation or the drive for creative workarounds because all you can think is "What's the point?" This line of thinking can leave you in a job rut that wouldn't otherwise exist, threatening your productivity, communication skills and, ultimately, your employment.
"Don't give in and chime in with your negativity, but rather be friendly and keep conversations light with this person," Jennifer Lee Magas, vice president of Magas Media Consultants, LLC, tells Monster.com. "While you might initially feel obligated to lend an ear, associating yourself too closely with this person can give you a bad reputation at work."
But how do you keep the negativity from seeping into your brain subconsciously? Stanford professor and organizational psychologist Robert Sutton discovered a clever tactic. "There are mind tricks to protect your soul — ways for the situation to be less upsetting to you even though you can't change it," he explains in Stanford Business School's Insights. "My favorite is a guy at Stanford who pretends that he's a doctor who studies 'a-hole-ism.'" The idea is to create a detachment from the toxic behavior, so that you become an observer of a strange environment—a kind of field researcher—who isn't emotionally impacted by the culture you're studying.
Signature Moves: Smiling to your face and criticizing you behind your back, encouraging your ideas in private and dismissing them in meetings, generally trying to sabotage you through gaslighting.
How To Shut It Down: Backstabbers are hard to initially spot. They disarm you with kindness, earn your trust and then pounce. Usually, they're just threatened, insecure and hellbent on eliminating the competition. This type of workplace jerk may seem insurmountable but they usually have one weakness: confrontation. They're inherently dishonest, so their fear of being caught in a lie or faced with someone who sees right through them can prompt them to back off ASAP.
With that in mind, workplace advice author Abby Curnow-Chavez suggests having "an honest, candid conversation with the person." You don't need to attack or go on the defense. Instead, try a measured approach. "Focus on the impact the behavior is having on you," Curnow-Chavez writes in HBR. "Ask for feedback on your own behavior as well." This will throw them off guard and force them to examine why they're so threatened by you. If nothing else, you will have made an attempt to right the situation. Keep a record of this. "When you are having ongoing problems with someone, it's important to document what's taking place," career expert Sue Morem tells CBSNews. "Keep a journal/notes of conversations and keep copies of e-mails, voice mails, or any other communication should you need to prove your case in the future."
You don't have to be dragged down by one bad egg. If someone is messing with your workplace culture, your productivity or your sanity, the best thing you can do is steer clear of the toxic spillover.
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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.