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Boost Your Productivity: 4 Steps to Get More Done at Work

It is an age-old dilemma. There is tremendous energy and collaboration that happens in a group environment, but interactive offices make it really tough to get your actual work done. Successful employees (at all levels) have to master the balance between connection and productivity when on the job. Here are some tips to get it right in 2016.

1. Learn (and use) “911” versus “411.” Vibrant companies know that it is useful to foster an environment with easy access to information without a lot of bureaucracy and formality. More seasoned employees are often the best source of this knowledge — so it makes sense that the best and brightest staff members are used as real-life Google at work. However, if you are playing sage for your colleagues all day, you have little time to actually solve the business problems for which you were hired. That is where understanding “911” versus “411” is critical.

Hold yourself and those around you to the idea that if something is urgent — business will be lost, damages may occur or someone will no longer be productive if this isn’t addressed immediately — it is a “911” and merits an interruption. However, if something is less pressing, or a “411,” which is the number you would dial to get information pre-Google, those things can be saved up until there is a break in workflow. Adhering to this standard for interruptions will give you back protected time to focus on more pressing tasks. It will also train those employees who interrupt all the time to be more resourceful in finding answers and encourages everyone to plan their time more thoughtfully.

2. Minimize unnecessary distractions. Does the following describe you at work? You start to look up something professionally related online, and the next thing you know you are engrossed in a YouTube video from yesterday’s “Kocktails with Khloe.” Or you are just about to finish up a proposal, and you get caught up in your colleagues’ conversation regarding how their paid time off hasn’t showed up in their paycheck for the third time. Instead of completing the proposal before lunch, you find yourself giving a tutorial on how to use your company’s intranet to see benefits tracking and previous pay stubs. In short, distractions happen on both a small and large scale to most of us throughout the day.

To avoid distractions at work, block out the noise — literally. Wear headphones, provided you are not seated at a desk where clients may come in or in a role where headphones are not appropriate. Wearing headphones, even with no music on, limits what you can hear and who will approach you. Others are less likely to disturb you unless they feel something is very time sensitive. If listening to music increases your concentration, wearing headphones and listening to music has an even greater value. If you have the option to close your office door, that works, too.

3. Write down the things you need to accomplish for the day. Too often people just assume that if they thought about something, then they will focus on it. Actually writing something down helps you to achieve it. Your list of what you want to accomplish is like a map to get to your destination. When you are focused on your map, you are less available to respond to distractions. To accomplish the most at work, be the CEO of your time. Just as business leaders are expected to have a business plan for their company, you should have a plan for your day as well.

4. Review your efforts and re-prioritize. We often spend our time on what is in front of us although it may not be strategic or career-enhancing. It is just obvious and very present. When you review your goals for the day and evaluate your efforts, you have no choice but to see if you are expending effort on the things that are critical and most valuable or losing time to less meaningful distractions. None of us would invest money in a publicly traded stock with a CEO who loses the company money but keeps a very organized supply closet. A CEO’s top priority is to increase the company’s value for shareholders. Organized supply closets, while great to look at, are not the best use of an executive’s talents. This is why no analyst or prospectus has ever lauded an executive’s power of supply organization.

Far-fetched example? Yes, but the same is true for each of us at work. You have been hired to solve specific business problems. Each day, make sure you plan to prioritize things related to the business issues your role was designed to address. At the end of each day, check your work. Did you accomplish your goals and enhance your career or did you use the majority of the day reacting to other people’s priorities? When you take ownership of your time, minimize distractions and take an honest look at your performance, you will be in great shape for professional success in 2016.

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Boost Your Productivity: 4 Steps to Get More Done at Work 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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