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How Are Those 2015 Career Goals Going?

It’s difficult to grasp how swiftly this year is going, isn’t it? It may seem like moments ago that the new year was emerging, but now as Labor Day and close of the third quarter approaches, 2016 is right around the corner.

There’s no better time than the present to reflect upon goals for 2015 — instead of rolling them over into next year’s resolutions, along with your unused vacation time. Here are five ways to end the year on a high note full of achievements:

1. Review your goals, and reprioritize them. Similar to a résumé that needs updating, your annual goals may need a second glance as well. Carve out 15 minutes today to peruse them. The first thing to look at? Priorities. If your current priorities have shifted since January, evaluate and shuffle them as necessary.

Reprioritize while keeping timing in mind. If your No. 1 plan was to land a new job, and that hasn’t happened yet, definitely keep the priority in the top spot. However, if your No. 1 priority was learning a new skill or attending a training course, and that already happened, cross it off the list, and tackle the goal beneath it.

2. Focus on two goals. Once you gain clarity on the order with which to pursue your goals, hone in on the two that are most pressing. Any more than that may be unrealistic, considering you’re adding these two priorities to your already busy workload.

At the start of the year, you may have been ambitious and created several goals and action items. A few days into the new year, you may have been on track. But a few weeks or months later — not so much. That’s not uncommon. Instead of begrudging lost time, simply decide that today is the day to get back on track with your top two career-related goals for the year.

As you focus on your goals, use this prime opportunity to look at your midyear performance review, and create a draft in Outlook. That way, you can simply copy and paste it when it’s time to update the official document for year-end. Like how you periodically revise your résumé, take a few moments to update your review with projects and achievements from the past year. Not only will this help lessen the task toward the end of the year, but it will also likely boost your morale as you document how you add value to your organization.

If job searching is one of your top priorities, taking even a few moments to get immersed in evaluating your performance will prepare you for upcoming interviews, when you’ll need to tap into specific experiences to demonstrate your strengths and abilities.

3. Make a SMART plan. Once you realize the top goals for the next few months, add framework around them. Your goals should be SMART: Specific, Measurable, Attainable, Realistic and Timely. If looking for a new job is at the top on your agenda, for example, get specific in terms of the type of role, company culture and location. Then, instill a quantifiable metric, such as attending two networking events each month and scheduling three networking phone calls or meetings.

4. Create micromanaged tasks. It may feel cumbersome to learn a new skill, take the lead on a project or look for a new job. However, in essence, it’s usually not as bad as the lofty time and effort presumed to be involved. Sometimes the procrastination surrounding a task makes it heavier than the actual action item itself.

Break down your SMART goals into subcategories. For example, looking for a job could entail reviewing your résumé this week and updating it with your current job. Next, start looking online for jobs and calling three people this week within your network. Breaking down your goals into digestible, weekly bites can ramp up those resolutions as you quickly see results and forward movement.

5. Infuse reward systems. Breaking down tasks into smaller to-do items not only creates a tangible, clear system, but it also creates the opportunity to have fun. Start rewarding yourself with bonuses! Become the master of your fate, and concoct a system. For example, after you polish your résumé, attend two networking events and follow up with three new contacts — it’ s massage time! Associate something enjoyable with your actions, and reward yourself for your efforts.

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How Are Those 2015 Career Goals Going? originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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