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Women: Stop Asking for Permission to Invest in Yourself Professionally

If you’re a woman with a family, and you’re not the main breadwinner but do work or would like to, there are a lot of pressures you may be facing. These are old school societal beliefs of yore that sadly still exist today. Have you said or heard another woman say the following lines?

“I have to ask my husband if I can sign up for that course.”

“I need to check with my family to see if I can go attend that networking event since I always put the kids to bed.”

“What I make only covers child care, so it doesn’t make sense for me to work.”

Does this sound like 2017? No. We have come out of the 1950s, yet women repeat these sentiments daily. Many of us run households and hold a job. Why must we ask permission to invest in ourselves?

Stop catering to what others want or you think they want of you, and demand what you want for yourself.

[See: The 25 Best Social Services Jobs of 2017.]

Child care costs. This is the most common reason given for not working, even when someone desperately wants to. Ask yourself this: If you’re not mentally satisfied and happy staying at home, how does that affect your relationship with your spouse? How about your relationship with your children?

While child care costs in the U.S. are extremely high, there are many options. Day cares, nanny shares and other family members are available for after school care and even driving kids around to sports and music practice. If you aren’t working because your salary would all go to child care costs, so what? Is money the only reason you want to work? If you feel passionate about working, use this as an opportunity to improve your happiness and well-being.

[See: Tips for Surviving a Career Transition.]

Professional development. If you’re at home taking care of kids and not working, part of that money coming in from your partner is yours. Just because there is no salary from your work doesn’t mean there is no value attached to it. If it helps, create a spreadsheet for yourself and see how much you’d be making in monetary terms if you were working in someone else’s home as a housekeeper or nanny doing the same work. Figure $10 to $20 per hour, depending on where you live.

Now, if you’ve wanted to update your resume or sign up for a class to learn something new, why do you have to ask your partner if you can spend that money? Do they ask you for permission every time they want to buy something or invest in themselves? If so, great, but if not, this is a conversation you need to have so you don’t constantly need permission for these kinds of purchases.

[See: Famous CEOs and Executives Share Their Best Career Advice.]

Build your own business. If you’ve dreamed of freelancing or starting your own business but think you haven’t earned enough money to invest in it, think again. Many at-home businesses require very little investment. In addition, you can apply for small business loans for women-owned companies, and there are many small business awards out there. This is something you’d obviously need to talk to your spouse about as well, but maintain your confidence as you do.

Doing your own thing is an investment in your career, your mind and possibly the future of your family. Bring to the table the positive aspects of starting something, and do not discount your well-being in this. Just as with child care costs, the important thing here is to express that exercising your passions will allow you to be a better mother and wife. The monetary value — as long as it’s not depleting all of your long-term savings — is not as significant. The question of where you will run the business can also get in the way. Research what you will need in order to succeed in starting your own business before you have the conversation (e.g., a computer, phone, printer, office space in the home). If you’re serious about it, you shouldn’t have to fight your spouse for the office or to use his computer; you absolutely need the essentials to operate. Make a plan for how to get your business off and running in the next year.

Women still have a long road ahead to end these self-limiting beliefs and allow themselves permission to invest in themselves professionally. But we have to start somewhere in order to change mindsets and achieve what’s best for us in the long run. Once you’ve figured out what’s right for you, prepare and launch into those conversations — you may be able to change the minds of your spouse and friends to empower yourself and other women to take a stand for themselves.

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Women: Stop Asking for Permission to Invest in Yourself Professionally 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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