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How to Feel Less Busy at Work

We are too busy. Americans work 40 to 60 hours a week (or more) and try to fit taking care of a family and themselves around it. The severe lack of time to ourselves leads to less sleep, poor health and low levels of creative power, because really, how can your mind be open to creativity and new possibilities when you’re running on empty?

[See: 14 Best Jobs for Work-Life Balance.]

If this sounds like you, it’s time to take that chunk of work time that you probably don’t have much control over, and manage it wherever you can. How can you minimize your professional clutter (and procrastination) to help you focus and feel more energized for everything else you do, or want to do? These time management suggestions will help you maximize your productivity and work time — possibly reducing your hours in the office — and hopefully give you the mental capacity to do what you want before or after work or on the weekends.

Schedule in chunks. Most of us spend an inordinate amount of time reacting to emails and other distractions during the day. This is eating into your time to get your work done and possibly extending your days unnecessarily. While you probably have set meetings that you can’t miss, schedule chunks of time — think two to three hours worth — in your online calendar for different tasks. If your work requires creativity, try to do those tasks early in the day when you have more brainpower. You can be as specific or general in your labels as you want. For example, yours may be: Top Priority Work, Review Emails, Top Priority Calls and Plan for Meetings. Modify them according to the type of work you do and schedule the following week on Fridays before you leave the office. To be most productive, stick as closely to what you have planned out as possible, which leads to the next point.

Say no. All too often we think that we must say “yes” to everything. This is just going to burn you out. “Yes, I can help you with that!” or “Yes, I can go to that meeting!” Pause. Give yourself time to stop and think about how important it is that you are involved, whether it’s the best use of your time and how it will affect your day or week (positively or negatively). In many cases, “no” is not going to hurt you or your career, but saying “no” in a professional manner is a skill. While you don’t have to come right out and say “no!” you can say, “My plate is full and I can’t right now. Can you please keep me up to date?”

[See: 10 Ways to Perfect Your Personal Brand.]

Delay. In some instances, you may not be ready to just say “no” outright. If that’s uncomfortable for you or you’re just not sure what the right response is, give yourself space and time to think. Tell the person you will get back to them in a day. When you consider the “ask” over the next day, think about what it will mean for you personally and how it will impact managing your set daily schedule.

The same can be said for email. Most emails do not require an immediate response. Answer the high-priority emails, say from clients or your boss, and ignore any that don’t need a response until tomorrow’s email slot on your schedule.

Turn off the tech. Pings and notifications are the norm these days, from iPhones to BlackBerrys to email inboxes. When you’re working on a chunk in your schedule, if you can, put your devices in airplane mode, suggests Marie Forleo, entrepreneur, writer and philanthropist. If you have kids or a situation where you need to be available for an emergency call, ensure they have your work phone number. Forleo also recommends creating a “onesie.” Write the one task you’re working on at a given time on a blank sheet of paper to stay focused. You may want to consider removing distractions from your phone, such as Facebook or Twitter, or even your personal email.

[See: 25 Best Jobs That Don’t Require a College Degree.]

Plan ahead. Create a 15-minute block on your schedule at the end of every day. Write a realistic to-do list with only a few major tasks that must be done the next day to keep moving forward with the things that are most important. Then, when you’re ready to leave the office at the end of the day, book it out of there.

While these initiatives may not give you back hours outside the office as often as you’d like, they will help you minimize distractions and stay focused to allow you to accomplish what needs to be done each day (and they’ll prevent you from having to bring work home with you). Hopefully the feeling of accomplishment each day will lead to a more positive experience that will infuse you with energy for all the things you want to have time for outside the office.

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How to Feel Less Busy 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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