[{"data":1,"prerenderedAt":653},["ShallowReactive",2],{"cms:/api/categories?fields[0]=name&fields[1]=slug&pagination[pageSize]=100&sort=documentId":3,"cms:/api/categories?filters[slug]=career-and-finance":45,"cms:/api/homepage?fields[0]=updatedAt&populate[navigation][fields][0]=name&populate[navigation][fields][1]=slug":53,"cms:/api/articles?populate=*&filters[category][id]=2&pagination[limit]=9&pagination[start]=72&sort[0]=bylineDate:DESC&sort[1]=createdAt:DESC":58},{"data":4,"meta":40},[5,10,15,20,25,30,35],{"id":6,"documentId":7,"name":8,"slug":9},8,"agm3bwiivq9ytkopje139uoj","Voices","voices",{"id":11,"documentId":12,"name":13,"slug":14},6,"fxhrufaspnwq0yurrk98sas3","Wellness","wellness",{"id":16,"documentId":17,"name":18,"slug":19},14,"gj8d0n6sxxe1mqfb0ticcamv","Style","style",{"id":21,"documentId":22,"name":23,"slug":24},12,"pra84h71qx5yo2kq8g18uy9h","After Hours","after-hours",{"id":26,"documentId":27,"name":28,"slug":29},2,"pregl64gjxpa6tec7l94j5fb","Career & Finance","career-and-finance",{"id":31,"documentId":32,"name":33,"slug":34},10,"vf2luiz1aic436stak4yr339","Nourish","food",{"id":36,"documentId":37,"name":38,"slug":39},4,"y4wuht99krufymt1c62zqtk1","Mindset","mindset",{"pagination":41},{"page":42,"pageSize":43,"pageCount":42,"total":44},1,100,7,{"data":46,"meta":50},[47],{"id":26,"documentId":27,"name":28,"slug":29,"createdAt":48,"updatedAt":48,"publishedAt":49},"2026-09-06T10:31:16.599Z","2026-09-06T10:31:16.613Z",{"pagination":51},{"page":42,"pageSize":52,"pageCount":42,"total":42},25,{"data":54,"meta":57},{"id":42,"documentId":55,"updatedAt":56},"nhhccnp3ibbyv1cn1er78o9h","2026-09-06T10:40:24.841Z",{},{"data":59,"meta":648},[60,159,215,271,325,380,457,513,590],{"id":61,"documentId":62,"title":63,"content":64,"slug":65,"coffees":66,"seo_title":63,"keywords":67,"seo_desc":68,"bylineDate":69,"bylineTimezone":70,"createdAt":71,"updatedAt":72,"publishedAt":73,"featuredImage":74,"category":126,"author":127,"img":123},511,"mhoql5tvrh4j7jismwd6aup3","Don't Be Busy; Be Productive: How To Stop the Glorification of Busyness","### We live in a culture that glorifies busyness. \n\nWe brag about our packed schedules, our overflowing inboxes, and our constant state of _\"being on.\"_ Whenever I talk with someone on the phone and ask them about their news, significant life events, etc., I only hear, _“I’m so busy, I can barely talk right now.”_ And I understand that. Most of us haven’t inherited a big pile of money, so we have to work to make ends meet. And apart from work there is life and everything that comes with it: family gatherings, friends we miss and haven’t spoken to for a long time, kids with numerous responsibilities and needs, different home errands, and the list keeps going. _But how did we manage to be so busy and not have enough time for the fun things of life?_\n\nIf we break it down, all this busyness often masks a deeper problem: **a lack of productivity**. We're running around like chickens with our heads cut off, but are we actually getting anything meaningful done? We have made busyness **equal to** [**success**](https://www.workingal.com/articles/habits-of-successful-women), and we are almost ashamed to say to someone that we are not busy enough and our calendar is not full for at least 18 hours a day, or else we fear that we won’t be as successful as everyone else. And we end up feeling guilty when we have time to dedicate to more fun activities and not a dull errand.\n\n### So, why is busyness so detrimental?\n\n![how to stop being busy](https://assets.workingal.com/how_to_stop_being_busy_1e6580fb85.jpg)\n\nI admit I have always had things on my plate every day and there were times that I felt very overwhelmed by how busy I was. And yes, I was one of those who always responded, _“I’m so busy, I can barely pay attention to you for more than 1 minute.”_ Was I, though? Not as much as I thought. Or, to put it another way, I had things to do, but my procrastination levels were so high level that I didn’t understand that it wasn’t the _“busyness”_ I thought that would let me enjoy life but the lack of productivity that kept me from [managing my time](https://www.workingal.com/articles/how-to-manage-your-time-effectively). I recently heard a great podcast from Business Insider in which the guest remarked that _success doesn’t require being busy._ The truth is, being busy doesn't necessarily equate to being productive. In fact, it can be quite the opposite.\n\n## Busyness breeds stress and burnout\n\nConstantly feeling rushed and overwhelmed **impacts** our mental and physical health. Chronic stress leads to burnout, which can manifest as exhaustion, cynicism, and reduced performance. Notably, according to [a survey](https://www.pewresearch.org/short-reads/2020/02/05/how-americans-feel-about-the-satisfactions-and-stresses-of-modern-life/), 60% of U.S. adults said they at least sometimes felt too busy to enjoy life. You might be \"busy,\" but you're not performing best.\n\n## Busyness leads to poor decision-making\n\nWhen we're constantly trying to deal with multiple tasks and deadlines, we often make hasty decisions. We don't have the time or **mental space** to evaluate options and consider the consequences properly, giving space to costly mistakes and setbacks.\n\n## Busyness prevents deep work\n\nMeaningful work requires [focus and concentration](https://www.workingal.com/articles/7-ways-to-improve-concentration-in-everything-you-do). Constantly switching between tasks and responding to interruptions hinders our ability to engage in **deep work**, the kind of focused effort that produces truly valuable results. We become masters of surface-level activity but struggle to make real progress.\n\n## Busyness sacrifices quality for quantity\n\nWhen the primary goal is to simply _\"get things done,\"_ quality often suffers. We rush through tasks, overlooking details and making careless errors, which can impact our reputation and undermine our efforts.\n\n## Busyness steals our time\n\n![how to stop being busy](https://assets.workingal.com/how_to_stop_being_busy_e910c357aa.jpg)\n\nIronically, all this \"busyness\" can actually make us less efficient. We spend so much time reacting to immediate demands that we don't have time to plan and **prioritize**, leading us to wasted effort and a feeling of constantly chasing our tails.\n\n## Busyness impacts our well-being\n\nWhen we're always busy, we neglect our personal lives, relationships, and well-being. We sacrifice sleep, exercise, and leisure activities, which ultimately undermines our productivity in the long run.\n\n# How to break free\n\nIf you are in the vicious circle of busyness, it’s not always easy to recognize the significance of taking a step back and realizing that you need to slow down and evaluate your time, priorities, and the results of your constant effort. However, the strategies below worked from the escape from my _“busy girl era.”_\n\n## I prioritized ruthlessly\n\nLife is not only our job—it takes a considerable part of it, and we need to be able to fit in 24 hours of work, rest, and **fun time**. So, I had a bazillion tasks‚ including fun time with friends and family, and I needed to fit them all in 16 hours (8 hours are for sleep). So, I prioritized accordingly. The truth to be told is that not all tasks are created equal. I followed the **Pareto Principle**, which can be extremely helpful in such a situation. According to it, the way to be productive is to focus our energy on the _20% of tasks that will yield 80% of the results_. For instance, say that you have multiple tasks at work; which will get you closer to your goal? The goal would be to deliver a project, get that promotion, or prepare an offer for a client. Pick those 2-3 that help you get there and let the other down on your [to-do list](https://www.workingal.com/articles/your-monthly-to-do-list-with-our-favorite-quotes). For instance, if you have to deliver an urgent project that is critical and one that can be delayed but is manageable, focus on the hard one because this is probably the one that will _bring more money to the table_ and send an email of delay to the other. This technique is effective in the long run, especially if you are leading businesses or projects, and it is pretty effective in reducing the amount of busyness in your life. However, that means that you have to [learn how to say _\"no\"_](https://www.workingal.com/articles/5-things-you-need-to-say-no-to-to-be-more-productive) to anything that doesn't align with your priorities, aka redirect phone calls to your voicemail, and not take over urgent projects for the foreseeable future.\n\n## I planned my day ahead\n\nEvery day, I used to wake up and just react to whatever came my way. This made my day a roller-coaster of tasks, meetings, and unforeseeable **commitments**, and at the end of the day, instead of Netflix and chilling, I had to finish tasks that stayed behind. Things are not as unexpected as we think, so it’s better to take some time each day to plan our tasks and allocate specific time blocks for focused work. This will help you stay on track and avoid getting sidetracked by less important activities. So, grab your **calendar** and allocate specific blocks of time for specific tasks. This helps you focus your attention and avoid multitasking, which has been proven to decrease productivity. For instance, my calendar contains not only my work commitments but also my commitments for my personal life. I workout **4 times a week**, which means that I wake up at 7 am, and by 7:30 am, I am already on the reformer for 1 hour. This time is blocked on my calendar; unless the world blows up, I stick to my calendar. Also, during the days I need to focus on actual work, I don’t take any phone calls and meetings for the time that is blocked on my calendar. When making dinner, I make sure to put it on the calendar and know how much time I need to make food. A good trick is to know what you are planning to eat each day so that you allocate the appropriate amount of time to do so.\n\n## I waved bye-bye to distractions\n\nMy phone is the extension of my hand, and I like it. However, I have cultivated a more productive relationship with it, and I farewell it the moment I have to do **actual work** (writing this article, for instance!). A distraction-free environment is of paramount importance for focused work. Otherwise, it turns into a **multitasking** show, and the work is never done—which takes time from the fun activities of life (aka, sleep and guilty pleasure shows). [Discipline yourself](https://www.workingal.com/articles/self-discipline-7-proven-ways), turn off notifications, close unnecessary tabs, and let your colleagues —or roommates if you work from home—know you need uninterrupted time. A pair of **headphones** and an inspirational playlist are a must. Just set the alarm for breaks (see below) and keep working, and then you will realize that the 8-hour working time was implemented for a reason and the work can be done in that or less time.\n\n## I ceased the one-man show\n\n![how to stop being busy](https://assets.workingal.com/how_to_stop_being_busy_fe5135cc2f.jpg)\n\nAka, I started delegating. I have often mentioned that my [control freak nature](https://www.workingal.com/articles/kill-your-inner-control-freak) wouldn’t let me leave control to others easily. Nobody can do it the way I do it, so I kept myself busy, depriving myself of fun, sleep, and socializing because I wanted to have control over everything. However, this is the principle of busyness and the opposite of **productivity**. So, my advice would be not to try to do everything yourself—you will fail and be disappointed. Nobody would do whatever it is that you do as well as you, but each person is different, and another perspective can be extremely helpful. The art of delegation is powerful; learning it well _can be a game-changer_. Delegate tasks to others who are better suited for them. This frees up your time and allows you to focus on your core responsibilities. For instance, at work, delegate the phone calls with clients who take up your time to people who have more **flexible schedules** than you, and, yes, your partner can make dinner tonight even if it’s not Michelin star worth. It’s just dinner. If you are invited somewhere and you’d like to bring something, ask your partner/friend/another close invitee to get something on your behalf and do that next time when you have more free time. Find solutions that won’t burden the people around you but would unburden your _“busy”_ schedule. Also, you have no idea how many people **get pleasure in helping others**; it’s a sense of fulfillment, and your loved ones would do something for you if that meant that they could spend more time with the actual you!\n\n## I forced myself to take breaks\n\nIt may seem counterintuitive, but regular breaks can boost your productivity and reduce your busyness levels. It’s not [possible to focus](https://www.workingal.com/articles/7-ways-to-improve-concentration-in-everything-you-do) on one task for a long time, so short breaks are ideal because they allow you to recharge and refocus, preventing burnout and improving your concentration. You can also **multitask constructively** while on a break. Call a loved friend or family member for a quick catch-up, listen to the podcast you don’t have time to do, or take ten minutes to start the laundry if you are working from home. This way, your brain loses focus and recharges because you do something different, and then you get back to being more **motivated** to keep working. The same applies for the weekends. Even if you have a lot of things to do, allocate enough time for [quality sleep](https://www.workingal.com/articles/5-reasons-why-good-sleep-is-important-for-your-physical-and-mental-health) and self-care activities. I usually work during the weekend, but I make sure I meet with friends or **do something fun** in between so that my mind gets a bit away. The more rested you are, the higher your productivity levels will be and the sooner you finish your tasks.\n\n## I adjusted and adapted accordingly\n\nBoth work and life flow change, so you can’t be rigid on your schedule every single day. Don’t expect to make the ideal life schedule and be **consistently productive** and carefree. It actually takes time to get the mindset of a productive lifestyle, but the truth is that you are not a machine. Also, life is unpredictable, so you need to be as flexible as possible to adapt to every situation without overwhelming yourself and constantly feeling busy. Do a self-check from time to time and evaluate your progress. For instance, have you left your **phone** away enough to do your work undistracted? _Are there any things that you could have done differently?_ Have you managed to delegate enough tasks so your life doesn’t seem like an endless to-do list? Be honest with yourself and see what else you can change or **improve** in the future. Don’t let the circumstances dictate your time management; _you dictate your time and priorities_.\n\n[Working smart and not hard](https://www.workingal.com/articles/strategic-productivity-how-to-work-smart-not-hard) is the key to success, not working overtime. Breaking the cycle of busyness and being productive without the guilt of not being a busy beaver requires a shift in **mindset**: focusing on what matters and brings results and letting go of the need to be _\"busy constantly.\"_ It will change your life for good; and mainly for the better.\n\n### And always remember The Working Gal’s motto: **Don't be busy; be productive!**\n***\n## Follow Us On Social For More Tips & News\n\n### [The Working Gal on Instagram](https://www.instagram.com/the_working_gal/) \n\n### [The Working Gal on Facebook](https://www.facebook.com/theworkinggal) \n\n### [The Working Gal on Pinterest](https://fr.pinterest.com/the_working_gal/)\n\n","don-t-be-busy-be-productive",3,"how to be productive, how to stop being busy, busy work, how can i be more productive, how to be more productive, how to manage my time","Stop the glorification of busyness! This article reveals how to be productive, not just busy, with practical tips for prioritizing, planning, and maximizing your time.","2025-02-10","Europe/Berlin","2025-02-10T21:00:20.171Z","2026-08-19T01:08:22.179Z","2025-02-10T21:11:26.909Z",{"id":75,"documentId":76,"name":77,"alternativeText":78,"caption":78,"focalPoint":79,"width":80,"height":81,"formats":82,"hash":121,"ext":84,"mime":88,"size":122,"url":123,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":125,"updatedAt":125,"publishedAt":125},270,"cnx9s3ecj5k3g6w83bsyrw0o","how to stop being busy-40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d.jpg","how to stop being busy",null,1600,900,{"large":83,"small":94,"medium":103,"thumbnail":112},{"ext":84,"url":85,"etag":86,"hash":87,"mime":88,"name":89,"path":79,"size":90,"width":91,"height":92,"sizeInBytes":93},".jpg","https://assets.workingal.com/large_how_to_stop_being_busy_40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d.jpg","0054c2fe004de5f383924d63bade45a7","large_how_to_stop_being_busy_40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d","image/jpeg","large_how to stop being busy-40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d.jpg",23.33,1000,563,23333,{"ext":84,"url":95,"etag":96,"hash":97,"mime":88,"name":98,"path":79,"size":99,"width":100,"height":101,"sizeInBytes":102},"https://assets.workingal.com/small_how_to_stop_being_busy_40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d.jpg","3546c3acc0bbd26f8e83781370c924f1","small_how_to_stop_being_busy_40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d","small_how to stop being busy-40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d.jpg",8.37,500,281,8369,{"ext":84,"url":104,"etag":105,"hash":106,"mime":88,"name":107,"path":79,"size":108,"width":109,"height":110,"sizeInBytes":111},"https://assets.workingal.com/medium_how_to_stop_being_busy_40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d.jpg","434ae04606889f595d0f44539ccd3e0e","medium_how_to_stop_being_busy_40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d","medium_how to stop being busy-40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d.jpg",15.13,750,422,15129,{"ext":84,"url":113,"etag":114,"hash":115,"mime":88,"name":116,"path":79,"size":117,"width":118,"height":119,"sizeInBytes":120},"https://assets.workingal.com/thumbnail_how_to_stop_being_busy_40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d.jpg","d62f3cb1098df9ec4eb4c625af67b4f6","thumbnail_how_to_stop_being_busy_40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d","thumbnail_how to stop being busy-40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d.jpg",3.17,245,138,3166,"how_to_stop_being_busy_40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d",48.76,"https://assets.workingal.com/how_to_stop_being_busy_40801687e62d03bdfcf6d66f6c30d8d6e3790c9a424f624180e382cb3eb90e7d.jpg","@strapi/provider-upload-aws-s3","2026-09-06T10:35:19.789Z",{"id":26,"documentId":27,"name":28,"slug":29,"createdAt":48,"updatedAt":48,"publishedAt":49},{"id":26,"documentId":128,"name":129,"slug":130,"instagram":131,"facebook":132,"bio":133,"linkedIn":134,"createdAt":135,"updatedAt":135,"publishedAt":136,"avatar":137},"rrgw04x1ox461oib75ljto7k","Dimitra","dimitra","https://www.instagram.com/dimdimi/","https://www.facebook.com/dimitra.lioliou.9","She started in corporate, stepped out to build her own businesses, and along the way learned five foreign languages. With a background in Sociology, her focus remains squarely on human behavior, the true engine behind every business, cultural trend, and daily decision. Today, she splits her time between Europe and the US, writing about work, culture, and the subtle mechanics of modern life. If you ask her about languages, consider yourself warned: she will not stop talking.","https://www.linkedin.com/in/dimitra-lioliou/","2026-09-06T10:31:18.888Z","2026-09-06T10:31:18.911Z",{"id":42,"documentId":138,"name":139,"alternativeText":140,"caption":141,"focalPoint":79,"width":142,"height":142,"formats":143,"hash":154,"ext":145,"mime":149,"size":155,"url":156,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":157,"updatedAt":157,"publishedAt":158},"vho74tz85ywt8uvcc2i46n8j","Dimitra Lioliou-490b9ae7a31e67cbe83f6cbd018b514572b484c2a12096c4257fcc93fbbdacd5.png","dimitra lioliou profile pic","dimitra lioliou the working gal",250,{"thumbnail":144},{"ext":145,"url":146,"etag":147,"hash":148,"mime":149,"name":150,"path":79,"size":151,"width":152,"height":152,"sizeInBytes":153},".png","https://assets.workingal.com/thumbnail_Dimitra_Lioliou_490b9ae7a31e67cbe83f6cbd018b514572b484c2a12096c4257fcc93fbbdacd5.png","1af5fda28d3e7890e8a99c385239de61","thumbnail_Dimitra_Lioliou_490b9ae7a31e67cbe83f6cbd018b514572b484c2a12096c4257fcc93fbbdacd5","image/png","thumbnail_Dimitra Lioliou-490b9ae7a31e67cbe83f6cbd018b514572b484c2a12096c4257fcc93fbbdacd5.png",47.39,156,47387,"Dimitra_Lioliou_490b9ae7a31e67cbe83f6cbd018b514572b484c2a12096c4257fcc93fbbdacd5",28.15,"https://assets.workingal.com/Dimitra_Lioliou_490b9ae7a31e67cbe83f6cbd018b514572b484c2a12096c4257fcc93fbbdacd5.png","2026-09-06T10:31:18.786Z","2026-09-06T10:31:18.787Z",{"id":160,"documentId":161,"title":162,"content":163,"slug":164,"coffees":36,"seo_title":162,"keywords":165,"seo_desc":166,"bylineDate":167,"bylineTimezone":70,"createdAt":168,"updatedAt":169,"publishedAt":170,"featuredImage":171,"category":210,"author":211,"img":207},493,"exwpx8dzj9kw9ianmds8houb","The Gig Economy: Is It Right for You?","***\n\nIt’s almost certain that the traditional image of work —having a stable job, getting a steady paycheck every month, and a clear career ladder— is rapidly evolving. The rise of the gig economy has directed us towards a [new era of work](https://www.workingal.com/articles/career-progress-2025-what-are-the-skills-you-need-to-develop), one characterized by short-term contracts, freelance projects, and a growing emphasis on independent work. The gig economy has always been around; however, nowadays, it touches nearly every industry. From ride-sharing drivers to freelance writers and graphic designers to online tutors, the amount of professionals is getting higher and higher.\n\nFlexible hours, the freedom to choose your projects, and the potential to be your own boss are certainly a tempting picture. The **allure** of the gig economy is undeniable. This shift has created exciting **opportunities** for some while posing significant challenges for others. However, one thing is certain: even though popular, the gig economy is not for everyone, and not everyone is able to handle the lifestyle that comes with it. Choosing a **career path** is not easy. _It needs thought, analysis, and thorough examination._\n\nWhat Exactly Is the Gig Economy?\n--------------------------------\n\n![the gig economy](https://assets.workingal.com/the_gig_economy_045b6c52b2.jpg)\n\nBefore we jump in, let's define what we're talking about. A [gig economy](https://www.investopedia.com/terms/g/gig-economy.asp), also known as the sharing economy or access economy, relies heavily on temporary and _part-time position_s filled by independent contractors and [freelancers](https://www.workingal.com/articles/what-are-the-biggest-challenges-freelancers-face) rather than full-time permanent employees.\n\nThe gig economy encompasses short-term contracts, often facilitated through **online platforms**. You can think of freelance writers, graphic designers, online tutors, and even handymen offering their services through apps. We are talking about primarily independent work, rather than **traditional employment**. \n\nEven though it sounds like a newly invented model, in reality, the term _\"gig\"_ was first used by jazz musicians around 1915 to refer to their live performances. This highlights the transient and project-based nature of their work. Before the rise of factories and mass production, many people worked multiple jobs or engaged in short-term tasks to make a living. This was a form of gig work driven by the needs of an **agricultural economy**. The rise of factories led to a shift towards stable, full-time employment. Gig work declined as people sought the security of regular wages and benefits. The concept of temporary and contract work started to reappear, particularly in industries like construction and IT. The rise of staffing agencies facilitated this. \n\n### However, it was the Internet Era that revolutionized the gig economy.\n\nOnline platforms like Craigslist (founded in 1995) and Elance (now [Upwork](https://www.upwork.com/)) made it easier for freelancers to connect with clients and find short-term projects. The rise of mobile technology and apps like _Uber, Airbnb, and TaskRabbit_ has accelerated the gig economy's growth in the 21st century. These platforms have made it easier than ever for people to offer their services on demand. And since then, it has been rising globally. In the United States, [more than 36% of the workforce](https://teamstage.io/gig-economy-statistics), or about 57 million people, work in the gig economy. This includes people who work in the gig economy as their primary or secondary job. \n\nBut what makes the gig economy so popular? Well, there are a lot of factors that contribute to making it such a tempting opportunity.\n\nThe Pros: Freedom and Flexibility\n---------------------------------\n\nThe most frequently cited advantage of the gig economy is **flexibility**. You set your own hours, choose the **projects** you want to work on, and can often work from anywhere with an internet connection. This can be incredibly appealing for parents, students, or anyone seeking a [better work-life balance](https://www.workingal.com/articles/how-to-maintain-your-work-life-balance). \n\n![the gig economy](https://assets.workingal.com/the_gig_economy_702aa115ff.jpg)\n\nThe gig economy also provides you with more **autonomy**. That means that you're your own boss, and you make the decisions about your work, schedule, and rates (within reason, of course). \n\nAlso, while income can be variable, some gig workers can earn more than they would in traditional employment, especially if they have specialized skills or are willing to put in the extra effort. For example, if you are eager to **work more**, then you get paid for those extra hours, which sometimes is not the case when you are a full-time employee.\n\nOne of the most exciting things about the gig economy is that you can have a **wide range** of opportunities, explore different fields, try new things, and avoid the monotony of a **9-to-5 job**. And if you are a lifelong learning fan, working in the gig economy can help you develop valuable skills, build your **portfolio**, and gain experience in your chosen field. \n\nThe Cons: Uncertainty and Instability\n-------------------------------------\n\nWhile the freedom is attractive, the gig economy also comes with its share of challenges. The biggest one is **uncertainty**. Work can be unpredictable, leading to **unstable income**. The work is not guaranteed every month, so there might be feast or famine periods, making [budgeting](https://www.workingal.com/articles/be-financially-fit-your-101-guide-ebook) difficult. When you work project-by-project, there is a big chance that you won’t get another one soon enough to balance your finances, and this can be challenging, especially if you are not budgeting accordingly.\n\nAlso, another important thing that usually works as an obstacle is that, unlike traditional employees, gig workers typically don't receive **benefits** like health insurance, paid time off, or retirement contributions. You're responsible for these costs, and keeping up with the expenses may be challenging when the projects don't constantly flow.\n\n**Taxation** is also tricky since, as an independent contractor, you'll be responsible for paying self-employment taxes, which can be higher than those withheld from a _regular paycheck_. Depending on the country you are taxed, the state may see you as an entrepreneur—and tax you as such, which may seem like a financial tragedy at the end of the year. \n\nDepending on your field, you might face intense **competition** from other gig workers, which can drive down rates and make it harder to find consistent work. It’s common for new gig workers to lower their prices in order to get more jobs and build their portfolio, which can harm the whole field and let the experienced ones out of work. Also, many gig workers rely on online platforms to find work. Changes in **platform policies**, algorithms, or fees can significantly impact their income, and they end up spending days or months working on a project and then having the platform get a massive chunk of their earnings.\n\nAnother aspect that gig workers have to deal with is that working independently can sometimes be **isolating**. You might miss out on a traditional workplace's social interaction and camaraderie, which can cause reduced productivity and [mental health challenges](https://www.workingal.com/articles/does-our-diet-reflect-our-mental-state).\n\nIs the Gig Economy Right for You?\n---------------------------------\n\n![the gig economy](https://assets.workingal.com/the_gig_economy_4461c383ab.jpg)\n\nIf you are looking for a second job or thinking that the 9-5 working style is not what you are looking for in life, then you can consider joining the _gig economy workforce_. However, you need to ask yourself and think thoroughly about whether it’s the right thing for you in the long term or whether it could be something you could do for a little while. The answer depends on your **personal** circumstances, personality, and goals. \n\n**Financial stability is paramount.** Can you comfortably deal with the unpredictable nature of gig income, where projects and paychecks can fluctuate significantly? Are you prepared to manage your own finances, including _setting aside funds for taxes_ (which are often higher for independent contractors) and securing your own benefits like health insurance and retirement savings? Beyond financial considerations, **self-discipline** is non-negotiable. The gig economy thrives on self-motivation and effective [time management](https://www.workingal.com/articles/how-to-manage-your-time-effectively), as you'll be your own boss and responsible for structuring your workday _without direct supervision_. You must be comfortable working independently and staying productive without the structure of a traditional office environment. Sometimes, it seems easier when you have all day to spare, but do you really want to work 24 hours a day or during the weekends —yes, this can often happen, especially if you are working on big and demanding projects. \n\nFurthermore, a certain level of risk tolerance is essential. Gig work often lacks the **job security** of traditional employment, and projects can dry up unexpectedly. Are you comfortable with this inherent uncertainty? Do you have a **backup plan** or emergency fund to tide you over during lean periods? Of course, your skills and experience play a crucial role. Do you possess the necessary **expertise** to compete in your chosen gig field and deliver high-quality work that clients are willing to pay for? Finally, strong **networking skills** constitute a significant asset. Are you comfortable promoting your services, building relationships with potential clients, and actively seeking out new opportunities? The ability to market yourself effectively can be the difference _between thriving and struggling_ in the gig economy.\n\nHow to Make the Gig Economy Work for You\n----------------------------------------\n\nIf you decide to plunge into the gig economy, you must keep a proactive and strategic approach. First and foremost, focus on developing **in-demand skills**. Research current market trends and identify areas where your expertise can command a reasonable rate. Continuously update your skillset, [attend courses](https://www.workingal.com/articles/5-free-coursera-courses-to-boost-your-career), and learn all the latest trends in your industry to stay relevant and competitive. A _strong portfolio_ is your most valuable asset. Showcase your best work, highlight successful projects, and gather testimonials from satisfied clients. A compelling portfolio speaks volumes about your capabilities and attracts potential clients. **Networking** is also a necessity. You need to actively connect with other gig workers, potential clients, and **industry professionals**. Attend online or in-person events, join relevant online communities, and engage in conversations. Building a strong network can open doors to new opportunities and provide valuable support.\n\nDon’t neglect your finances. Create a realistic **budget**, meticulously track your income and expenses, and diligently set aside money for taxes (which can be complex for freelancers) and benefits like health insurance and retirement savings. Also, don't underestimate the importance of setting **clear boundaries**. The flexibility of gig work can easily blur the lines between professional and personal life, leading to **burnout**. Establish clear working hours, prioritize self-care, and protect your personal time. Finally, **diversify** your income streams. Don't rely on a single platform or client. Working with multiple sources provides a buffer against fluctuations in demand and ensures a more stable **income** flow. And who knows? You may end up creating an empire!","the-gig-economy-is-it-right-for-you","what is gig economy, what is the gig economy, gig economy meaning, gig economy definition, gig economy jobs, ","The gig economy is on the rise and more and more people decide to follow this career path. Is it right for everyone, though? Read the article and learn all about it.","2025-02-05","2025-02-05T20:31:53.899Z","2025-02-05T20:41:01.571Z","2025-02-05T20:41:01.568Z",{"id":172,"documentId":173,"name":174,"alternativeText":175,"caption":175,"focalPoint":79,"width":80,"height":81,"formats":176,"hash":205,"ext":84,"mime":88,"size":206,"url":207,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":208,"updatedAt":208,"publishedAt":209},261,"syqg3mhuc9mx0jri1scikmra","the gig economy-9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d.jpg","the gig economy",{"large":177,"small":184,"medium":191,"thumbnail":198},{"ext":84,"url":178,"etag":179,"hash":180,"mime":88,"name":181,"path":79,"size":182,"width":91,"height":92,"sizeInBytes":183},"https://assets.workingal.com/large_the_gig_economy_9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d.jpg","8abe19f9b784ed3d95d05452bcd43f3f","large_the_gig_economy_9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d","large_the gig economy-9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d.jpg",80.06,80063,{"ext":84,"url":185,"etag":186,"hash":187,"mime":88,"name":188,"path":79,"size":189,"width":100,"height":101,"sizeInBytes":190},"https://assets.workingal.com/small_the_gig_economy_9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d.jpg","c675b5306185ea892eaae4dadd89931c","small_the_gig_economy_9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d","small_the gig economy-9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d.jpg",27.3,27302,{"ext":84,"url":192,"etag":193,"hash":194,"mime":88,"name":195,"path":79,"size":196,"width":109,"height":110,"sizeInBytes":197},"https://assets.workingal.com/medium_the_gig_economy_9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d.jpg","7269a8f5f6dcdbc7c04ab77cb27f0f12","medium_the_gig_economy_9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d","medium_the gig economy-9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d.jpg",51.57,51572,{"ext":84,"url":199,"etag":200,"hash":201,"mime":88,"name":202,"path":79,"size":203,"width":118,"height":119,"sizeInBytes":204},"https://assets.workingal.com/thumbnail_the_gig_economy_9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d.jpg","194b39cedb3db0d206a025ad51566a10","thumbnail_the_gig_economy_9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d","thumbnail_the gig economy-9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d.jpg",9.02,9018,"the_gig_economy_9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d",99.73,"https://assets.workingal.com/the_gig_economy_9113daca5ff1dde6e25c3207bb12f5564fae70a677c434c441c76ba39097b06d.jpg","2026-09-06T10:35:13.047Z","2026-09-06T10:35:13.048Z",{"id":26,"documentId":27,"name":28,"slug":29,"createdAt":48,"updatedAt":48,"publishedAt":49},{"id":26,"documentId":128,"name":129,"slug":130,"instagram":131,"facebook":132,"bio":133,"linkedIn":134,"createdAt":135,"updatedAt":135,"publishedAt":136,"avatar":212},{"id":42,"documentId":138,"name":139,"alternativeText":140,"caption":141,"focalPoint":79,"width":142,"height":142,"formats":213,"hash":154,"ext":145,"mime":149,"size":155,"url":156,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":157,"updatedAt":157,"publishedAt":158},{"thumbnail":214},{"ext":145,"url":146,"etag":147,"hash":148,"mime":149,"name":150,"path":79,"size":151,"width":152,"height":152,"sizeInBytes":153},{"id":216,"documentId":217,"title":218,"content":219,"slug":220,"coffees":66,"seo_title":218,"keywords":221,"seo_desc":222,"bylineDate":223,"bylineTimezone":70,"createdAt":224,"updatedAt":225,"publishedAt":226,"featuredImage":227,"category":266,"author":267,"img":263},467,"hihexxxpz02ugrqz8i0kwjp5","5 Free Coursera Courses to Boost Your Career (That Are Actually Worth Your Time)","\n_This post includes affiliate links. If you snag something via our links, we may earn a small commission at zero extra cost to you. It's a sweet way to support our work here so we can keep creating content you resonate with! We only recommend what's already earned a permanent spot in our routine._\n\nI’ve spent more hours than I care to admit opening online courses, getting through the first module, and never returning, therefore, I know exactly what that first tab feels like — ambitious, a little self-congratulatory — and I also know what happens two weeks later when life fills back in.\n\nThat said, the case for online learning is real, and I think it’s actually strongest for people who don’t have the time or money to commit to something full-scale. A part-time MBA costs tens of thousands of dollars and two years of your life (been there, done that). A postgraduate certificate requires you to organize your entire schedule around it. Most of us are working full-time, managing a life, and trying to grow professionally at the same time. However, online courses are not a consolation prize for people who can’t do “the real thing.” They are a rational choice for people who want targeted skills without disrupting everything else that’s working.\n\nThe courses on this list are specifically focused on soft skills, meaning the kind of skills that don’t show up automatically [on a resume](https://www.workingal.com/articles/resume-red-flags) but make a measurable difference in how you perform, negotiate, and are perceived professionally. Negotiation, [decision-making](https://www.workingal.com/articles/decision-fatigue), and time management. Well-being as a performance variable. These are the ones that determine whether your technical skills actually translate into [career progress](https://www.workingal.com/articles/expensive-mistakes-building-business-founder-lessons), or whether you stay competent and overlooked. And they’re the ones that are hardest to develop on the job because no one explicitly teaches them.\n\nThe courses I’m recommending here are also genuinely useful for building out a resume or LinkedIn profile, particularly if you’re in an early-to-mid stage of your career and looking to demonstrate competencies that your job title doesn’t yet reflect. Completing a University of Michigan or Yale course through Coursera gives you a credible credential you can cite. And while it’s not a degree, it’s not nothing, either.\n\nThe courses on this list are the ones I actually completed — or, in two cases, recommended to people I work with and heard back from. They are not the most popular courses on Coursera. They are not necessarily the ones with the most reviews. They are the ones where something shifted: a decision I stopped second-guessing, a negotiation I handled differently, a skill set I could actually point to when someone asked.\n\nOne practical note: Coursera offers a free audit option on most courses, which means you can access lectures and materials without paying. You won’t get the certificate unless you enroll, but the knowledge is there. I’ll tell you for each course whether the certificate is worth getting or whether auditing is enough.\n## 1. Decision Making - How to Choose the Right Problem to Solve\n#### Best for: Anyone who regularly has more work than time.  |  Time commitment: 10 hours  | [Εnroll Free here](https://imp.i384100.net/9VMa24)\n\nThe title sounds like a soft-skills seminar but it isn't. This course is fundamentally about cognitive efficiency — identifying which problems are actually worth your attention, and how to structure your thinking so you're not in a constant state of reactive decision-making.\nThe most useful module is the one on problem framing. There's a specific exercise where you describe a workplace problem you're currently dealing with and walk it through a diagnostic filter. I watched someone reframe a situation she'd been stressing about for three months and arrive at a completely different — and far more actionable — conclusion in about 20 minutes.\nThe certificate is worth getting if you're in a role that involves managing projects or people. It signals analytical thinking in a way that's easy to articulate on a CV.\n\n## 2. Create a Professional Online Presence\n#### Best for: If you've been told to 'build your personal brand' and have no idea where to start.  |  Time commitment: 7 hours  |  [Enroll free here](https://imp.i384100.net/5kMPqb)\n\nThis course is more practical than the title suggests. It walks you through how different platforms function differently for professional visibility, not in a [social media manager sense](https://www.workingal.com/articles/career-advice-from-influencers), but in a search-and-discovery sense. How does someone find you when they Google your name? What does your LinkedIn actually communicate to someone who doesn't know you?\n\nThe communication section is where it earns its place on this list. It's not about posting more. It's about being legible to people who matter to your career. If you're early-stage and have been vague about what you do and for whom, this course will push you to make some decisions you've been avoiding.\n\nAudit this one. The certificate is less relevant than the framework you'll leave with.\n\n## 3. Successful Negotiation: Essential Strategies and Skills\n#### Best for: Anyone preparing for a salary conversation or a client negotiation.  |  Time commitment: 17 hours  |  [Enroll free here](https://imp.i384100.net/L0x350)\n\n![coursera free courses](https://assets.workingal.com/coursera_free_courses_ae62a47151.jpg)\n\nUniversity of Michigan. This is the one I recommend most. The reason most people lose negotiations isn't that they [don't ask for enough](https://www.workingal.com/articles/how-to-negotiate-salary-career-woman) — it's that they haven't prepared a proper analysis. They walk in with a number and a feeling. This course walks you through building an actual negotiation structure: your BATNA, theirs, the zone of possible agreement, and how to read the dynamic in the room.\n\nThe salary application is obvious, but I've found it more useful in client and supplier negotiations. The module on psychological tactics — how they're used against you, and how to respond — is something you will use within a week of finishing it.\n\nGet the certificate. This is one of the rare cases where having the University of Michigan credential on a profile or resume is a real signal.\n\n## 4. Work Smarter, Not Harder: Time Management for Personal & Professional Productivity\n\n#### Best for: If your to-do list is always full and you're always behind.  |  Time commitment: 8 hours  |  [Enroll free here](https://imp.i384100.net/enrGAz)\n\nUC Irvine. The title is generic, but the content is not. What this course does well is address the difference between being busy and being effective — specifically, the cognitive load that comes from how you store and process open tasks. The module on decision fatigue and its effect on output quality is one I've referenced in [conversations about burnout](https://www.workingal.com/articles/quiet-burnout-symptoms) many times since.\n\nIf you're someone who functions on adrenaline and constant reprioritization, this course will either make you uncomfortable or finally [give language to something](https://www.workingal.com/articles/body-language-hacks-for-authority) you've known wasn't working. Either way, it's worth eight hours.\n\nAudit is fine here. The value is in the frameworks, not the credentials.\n\n![coursera free courses](https://assets.workingal.com/coursera_free_courses_560407cb9d.jpg)\n\n## 5. The Science of Well-Being\n#### Best for: Particularly useful if you've optimized everything except how you feel.  |  Time commitment: 19 hours  |  [Enroll free here](https://imp.i384100.net/rEzo0D)\n\nYale. This is the most-enrolled course in Coursera history, which usually makes me skeptical. I'm including it because the premise is a good one: your intuitions about what will make you happy are systematically wrong, and the evidence for this is solid. Professor Laurie Santos is a cognitive scientist, not a wellness influencer, and the distinction matters.\nThe sections on hedonic adaptation and the connection between social investment and performance are the most professionally relevant. You won't finish this course and immediately feel better. You will finish it with a more accurate mental model of how you function, which is more useful long-term.\nAudit it unless you want the certificate for personal reasons. The credential doesn't carry professional weight, but the content does.\n\n## A Note on How to Actually Finish What You Start\n\nThe reason most people don't complete online courses has nothing to do with motivation. It's structural. You enroll when you're energized, you don't protect time for it in your actual schedule, and then life moves faster than your good intentions.\n\nOne session per week, blocked in your calendar like a meeting, is the only system that has consistently worked for the people I've seen finish things. Pick one course. Audit first if you're not sure. Commit to the certificate only when you know you'll see it through.\n\nThese five are the ones I'd start with.\n\n### _TWG Report 2026 — We're surveying professional women on AI, job security, and what's actually changing at work. It's only 3 minutes of your time. [Sign up](https://subscribepage.io/working-gal-report-2026) and get our Salary Negotiation Guide free._","5-free-coursera-courses-to-boost-your-career","free Coursera courses, best Coursera courses for career, online courses for professional women, Coursera career development","I tested these free Coursera courses so you don't waste your time. Here are the five that are actually worth adding to your schedule — and what each one will get you.","2025-01-24","2025-01-23T23:01:41.254Z","2026-04-26T07:28:34.830Z","2025-01-23T23:09:51.135Z",{"id":228,"documentId":229,"name":230,"alternativeText":231,"caption":231,"focalPoint":79,"width":80,"height":81,"formats":232,"hash":261,"ext":84,"mime":88,"size":262,"url":263,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":264,"updatedAt":264,"publishedAt":265},248,"xwqq36dbs9fogi4ah517kpai","coursera free courses-0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8.jpg","coursera free courses",{"large":233,"small":240,"medium":247,"thumbnail":254},{"ext":84,"url":234,"etag":235,"hash":236,"mime":88,"name":237,"path":79,"size":238,"width":91,"height":92,"sizeInBytes":239},"https://assets.workingal.com/large_coursera_free_courses_0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8.jpg","dfbaca0383ab4dfcbebea264a3a57974","large_coursera_free_courses_0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8","large_coursera free courses-0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8.jpg",77.43,77428,{"ext":84,"url":241,"etag":242,"hash":243,"mime":88,"name":244,"path":79,"size":245,"width":100,"height":101,"sizeInBytes":246},"https://assets.workingal.com/small_coursera_free_courses_0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8.jpg","34fe0458d008bca92c06ad8df92d9ed5","small_coursera_free_courses_0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8","small_coursera free courses-0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8.jpg",27.57,27568,{"ext":84,"url":248,"etag":249,"hash":250,"mime":88,"name":251,"path":79,"size":252,"width":109,"height":110,"sizeInBytes":253},"https://assets.workingal.com/medium_coursera_free_courses_0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8.jpg","2bf4b680678527c631ff4d827f8ed6f8","medium_coursera_free_courses_0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8","medium_coursera free courses-0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8.jpg",50.59,50587,{"ext":84,"url":255,"etag":256,"hash":257,"mime":88,"name":258,"path":79,"size":259,"width":118,"height":119,"sizeInBytes":260},"https://assets.workingal.com/thumbnail_coursera_free_courses_0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8.jpg","fa6ce0144ad9b1e5900d4f168a27b67d","thumbnail_coursera_free_courses_0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8","thumbnail_coursera free courses-0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8.jpg",9.69,9685,"coursera_free_courses_0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8",95.6,"https://assets.workingal.com/coursera_free_courses_0b39192bc3d097b5a3011d9fa718c789aa782ca41ed397e6fe34f43152d64bd8.jpg","2026-09-06T10:35:03.925Z","2026-09-06T10:35:03.926Z",{"id":26,"documentId":27,"name":28,"slug":29,"createdAt":48,"updatedAt":48,"publishedAt":49},{"id":26,"documentId":128,"name":129,"slug":130,"instagram":131,"facebook":132,"bio":133,"linkedIn":134,"createdAt":135,"updatedAt":135,"publishedAt":136,"avatar":268},{"id":42,"documentId":138,"name":139,"alternativeText":140,"caption":141,"focalPoint":79,"width":142,"height":142,"formats":269,"hash":154,"ext":145,"mime":149,"size":155,"url":156,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":157,"updatedAt":157,"publishedAt":158},{"thumbnail":270},{"ext":145,"url":146,"etag":147,"hash":148,"mime":149,"name":150,"path":79,"size":151,"width":152,"height":152,"sizeInBytes":153},{"id":272,"documentId":273,"title":274,"content":275,"slug":276,"coffees":66,"seo_title":274,"keywords":277,"seo_desc":278,"bylineDate":279,"bylineTimezone":70,"createdAt":280,"updatedAt":281,"publishedAt":282,"featuredImage":283,"category":320,"author":321,"img":318},463,"rdn9nwww7wc3xl510o9k2cgj","How To Set SMART Financial Goals","December is usually the month when we make the [New Year’s resolutions](https://www.workingal.com/articles/new-years-resolutions-have-you-made-yours). We reflect on the past year and visualize the new one that is coming. However, how many of us pay attention to our finances? How many goals do we set regarding our **financial literacy** and goals? Self-care, work-life balance, and traveling goals are so important, but we tend to neglect the most important factor that defines, to a great extent, the above: our finances.\n\nThe beginning of the year is the ideal season to reevaluate our financial situation, review our finances, and set new financial goals. Now it’s the time to decide your priorities, where you want to spend money, and how your savings account is moving forward. \n\nSetting clear and achievable financial goals is a fundamental step on the path to **financial fitness**. SMART goals are specific, measurable, achievable, relevant, and time-bound. The SMART goal-setting framework is effective because it provides a structured and focused approach to achieving your objectives. By defining your goals precisely, you eliminate ambiguity and understand exactly what you aim for. This prevents wasted effort and keeps you on track. Also, with every goal we set, we need motivation to achieve; so having quantifiable metrics allows you to track progress, identify areas for improvement, and celebrate milestones, provides **motivation** and a sense of accomplishment. \n\nCreating SMART goals needs patience, reflection, and time. Especially when it comes to our finances, it’s crucial to set goals that can lead to financial success and help us organize our finances effectively. Our financial gals explained to us how to set our SMART goals successfully. The SMART framework is as follows, and you can always use it for your goals in general.\n\n## **1\\. Specific (S):**\n\nYour financial goals should be well-defined and specific so you must be clear about what you want to accomplish. In order to define your financial goals, ask yourself questions like:\n\n*   What exactly do I want to achieve with my finances?\n    \n*   Why is this goal important to me?\n    \n*   What is the purpose or objective behind this goal?\n    \n\nFor instance, instead of a vague goal like _\"I need  to save money this year,\"_ a specific goal could be _\"I want to save $5,000 for a down payment on a home in the next two years.\"_\n\n## **2\\. Measurable (M):**\n\nYour financial goals should be quantifiable so that you are able to track your progress and determine when you've achieved the goal. The questions below will help you measure your goals.\n\n*   How will I measure my progress?\n    \n*   How much do I need to save or invest?\n    \n*   What are the specific numbers associated with this goal?\n    \n\nInstead of a vague statement like _\"This year, I will reduce debt,\"_ a measurable goal could be _\"I will pay off $10,000 in credit card debt within 12 months.\"_\n\n## **3\\. Achievable (A):**\n\n![How To Set SMART Financial Goals](https://assets.workingal.com/How_To_Set_SMART_Financial_Goals_db44b48fbf.jpg)\n\nSometimes, the goals we set are unrealistic and, hence, not attainable. While it never hurts to dream big, your goals should remain within reach. For instance, the questions below will hepl you identify whether your goal is realistic and achievable.\n\n*   Is this goal possible, given my current financial situation?\n    \n*   Do I have the necessary resources and skills to achieve this goal?\n    \n*   What are the steps I need to take to reach this goal?\n    \n\nIf your income is $40,000 per year, setting a goal to save $1 million in one year is not realistically achievable –unless you win the lottery. You could try a more attainable goal: saving $10,000 or 25% of your income over a year.\n\n## **4\\. Relevant ( R):**\n\nYour financial goals should reflect your life, values, and long-term objectives. They should align with your overall financial plan and make sense in your unique circumstances. The questions to better understand how relevant your goals are as follows:\n\n*   Does this goal support my financial well-being or my long-term plans?\n    \n*   Is it the right time in my life to pursue this goal?\n    \n*   Will achieving this goal have a meaningful impact on my life?\n    \n\nIf you're thinking of purchasing a house, a relevant goal might be to maximize contributions to your savings accounts to secure a downpayment rather than focusing on saving for a renovation to your current home.\n\n## **5\\. Time-Bound (T):**\n\n![How To Set SMART Financial Goals](https://assets.workingal.com/How_To_Set_SMART_Financial_Goals_48a9e288b4.jpg)\n\nFinally, your financial goals should have a specific timeframe or deadline for completion.  Setting deadlines creates a sense of urgency and helps you prioritize tasks. It also provides a clear framework for planning and executing your plan. The questions below will help you set concrete and realistic deadlines in order to achieve your goals.\n\n*   By when do I want to achieve this goal?\n    \n*   What is the exact deadline for reaching this objective?\n    \n*   How can I break this goal into smaller, time-bound milestones?\n    \n\nInstead of saying you want to _\"I want to put money aside for a big trip,\"_ a time-bound goal could be, _\"I will contribute $500 per month to my savings account for the next 6 months to be able to buy the ticket to \\[insert ideal destination\\].\"_\n\n#### If you feel like you need to be more financially literate, [download our free ebook](https://www.workingal.com/articles/be-financially-fit-your-101-guide-ebook), written by our financial experts, which will give you a comprehensive overview of financial literacy and how to organize your finances thoroughly.","how-to-set-smart-financial-goals","personal finance skills have the most significant impact on an individual’s, how to set financial goals, financial literacy, SMART goals framework, smart goals for personal finance","If you want to make your goals achievable, then you need to ask yourself the right questions and set SMART goals. We navigate the SMART goals framework for success!","2025-01-17","2025-01-17T01:44:32.507Z","2025-01-17T01:53:47.823Z","2025-01-17T01:53:47.820Z",{"id":284,"documentId":285,"name":286,"alternativeText":274,"caption":274,"focalPoint":79,"width":80,"height":81,"formats":287,"hash":316,"ext":84,"mime":88,"size":317,"url":318,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":319,"updatedAt":319,"publishedAt":319},246,"g88f8na5f2e4vpard1eaz79s","How To Set SMART Financial Goals-2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe.jpg",{"large":288,"small":295,"medium":302,"thumbnail":309},{"ext":84,"url":289,"etag":290,"hash":291,"mime":88,"name":292,"path":79,"size":293,"width":91,"height":92,"sizeInBytes":294},"https://assets.workingal.com/large_How_To_Set_SMART_Financial_Goals_2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe.jpg","44e38f5648007605448e01c5e0aa987f","large_How_To_Set_SMART_Financial_Goals_2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe","large_How To Set SMART Financial Goals-2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe.jpg",67.16,67162,{"ext":84,"url":296,"etag":297,"hash":298,"mime":88,"name":299,"path":79,"size":300,"width":100,"height":101,"sizeInBytes":301},"https://assets.workingal.com/small_How_To_Set_SMART_Financial_Goals_2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe.jpg","58a0819d3d65a2ed5d66b3b687cfae8d","small_How_To_Set_SMART_Financial_Goals_2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe","small_How To Set SMART Financial Goals-2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe.jpg",22.92,22923,{"ext":84,"url":303,"etag":304,"hash":305,"mime":88,"name":306,"path":79,"size":307,"width":109,"height":110,"sizeInBytes":308},"https://assets.workingal.com/medium_How_To_Set_SMART_Financial_Goals_2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe.jpg","aed10acab91fe8c56d627c57d549b2d8","medium_How_To_Set_SMART_Financial_Goals_2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe","medium_How To Set SMART Financial Goals-2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe.jpg",43.1,43099,{"ext":84,"url":310,"etag":311,"hash":312,"mime":88,"name":313,"path":79,"size":314,"width":118,"height":119,"sizeInBytes":315},"https://assets.workingal.com/thumbnail_How_To_Set_SMART_Financial_Goals_2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe.jpg","a7c8dd3591522d8141ff4bfcdd7f716c","thumbnail_How_To_Set_SMART_Financial_Goals_2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe","thumbnail_How To Set SMART Financial Goals-2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe.jpg",7.38,7383,"How_To_Set_SMART_Financial_Goals_2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe",80.27,"https://assets.workingal.com/How_To_Set_SMART_Financial_Goals_2db675274c80129453cd168fbbf6ab4b5cdba69a8e63af58412d0663c00415fe.jpg","2026-09-06T10:35:02.548Z",{"id":26,"documentId":27,"name":28,"slug":29,"createdAt":48,"updatedAt":48,"publishedAt":49},{"id":26,"documentId":128,"name":129,"slug":130,"instagram":131,"facebook":132,"bio":133,"linkedIn":134,"createdAt":135,"updatedAt":135,"publishedAt":136,"avatar":322},{"id":42,"documentId":138,"name":139,"alternativeText":140,"caption":141,"focalPoint":79,"width":142,"height":142,"formats":323,"hash":154,"ext":145,"mime":149,"size":155,"url":156,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":157,"updatedAt":157,"publishedAt":158},{"thumbnail":324},{"ext":145,"url":146,"etag":147,"hash":148,"mime":149,"name":150,"path":79,"size":151,"width":152,"height":152,"sizeInBytes":153},{"id":326,"documentId":327,"title":328,"content":329,"slug":330,"coffees":66,"seo_title":328,"keywords":331,"seo_desc":332,"bylineDate":333,"bylineTimezone":70,"createdAt":334,"updatedAt":335,"publishedAt":336,"featuredImage":337,"category":375,"author":376,"img":373},445,"ys20j4rl32ycnrsad6zie68n","You're Not Richer, You're Just Spending More:  The Sneaky Ways Lifestyle Creep Impacts You","### Remember that feeling? \n\nThe thrill of that first big raise. Suddenly, takeout wasn’t just for Fridays; it was for the weekdays as well, and that “investment” piece from that cool new boutique wasn’t so out of reach, and maybe, just maybe, a vacation to Bali was finally within grasp. But here’s the thing about that raise: it didn’t magically transform you into a millionaire. It just made your “normal” a little more… luxurious.\n\n### Welcome to the insidious world of lifestyle creep.\n\n![lifestyle creep](https://assets.workingal.com/lifestyle_creep_6fb614ac47.jpg)\n\nThis newfound sense of \"affordability\" can be incredibly deceptive. It creates the illusion of wealth, encouraging you to spend more without genuinely understanding the long-term implications. It’s the subtle, insidious way our spending habits inflate with our income. We trade in our perfectly serviceable car —bought two years ago—for a slightly newer, slightly more expensive model. Our coffee habit has evolved from a daily drip to a $7 **artisanal latte** with strange names we can’t pronounce. Vacations morph from budget-friendly camping trips to all-inclusive resorts and from one meal per day to endless cocktails by the pool. We no longer do DIY because we can gift expensive gift sets and gadgets everyone should have. And this is how life is from the moment we saw that bank account with the _“new”_ salary.\n\nIf the above rings a bell, then you are a victim. The term lifestyle creep describes the sneaky, insidious way your spending habits inflate along with your income. _The more you earn, the more you spend._\n\nLet's be real: _life gets expensive_. But something's seriously amiss when your paycheck mysteriously vanishes into thin air before you even have a chance to enjoy it. This subtle phenomenon thrives in the shadows of your obliviousness. You're casually upgrading your **coffee habit**, justifying that designer handbag as an \"investment,\" and suddenly, \"affordable\" rent feels like a distant memory.\n\nThe problem? **You're living in a fog of financial ignorance.** No clue where your money actually goes? That's lifestyle creep's favorite breeding ground. It thrives on your lack of awareness, silently draining your bank account while you're blissfully unaware.\n\nThe Sneaky Signs You're a Victim\n================================\n\n![lifestyle creep](https://assets.workingal.com/lifestyle_creep_ad0f49470b.jpg)\n\nThat \"Treat Yo' Self\" Mentality\n-------------------------------\n\nThe sweet taste of success. Suddenly, \"treat yo' self\" isn't just a Parks and Rec quote; it's your new religion. Every extra dollar feels like a divine blessing, a cosmic permission slip to indulge. That perfectly serviceable car? Suddenly, it's so last year. _You deserve those heated seats, right?_ This isn't about a rare splurge. This is a full-blown lifestyle. Every raise, bonus, or side hustle gig becomes a justification for a new handbag, a fancy dinner, or a spontaneous shopping spree. That limited-edition sneaker collab? \"I earned it!\" That weekend getaway to Napa? \"I deserve it!\"\n\nBefore you know it, you get a second full-time job: it’s called _\"treating yourself\"_. Your bank account weeps, your closet overflows, and you're left, sitting among your latest “I deserve it” haul wondering where the hell all your money went. Maybe try treating yourself to, I don't know, saving that money? Just a thought.\n\nThe \"I Deserve This\" Syndrome\n-----------------------------\n\nAh, the sweet siren song of self-justification. _\"I work hard, I deserve nice things.\"_ It's a mantra as seductive as it is dangerous. Suddenly, that **designer handbag** isn't just a purchase that makes you feel giddy; it’s a well-deserved reward for putting so much effort into working, living, and existing. That weekend getaway to Aspen along with the luxurious resort? A well-deserved break from the grind. But here's the problem in your rationale: do you actually need those things? Or are you simply falling prey to the seductive allure of instant gratification?\n\nThis \"I Deserve This\" syndrome starts with a few harmless indulgences but quickly escalates into an insatiable desire for more, more, more. You justify every splurge, convinced you've “earned” it. _But at what cost?_ \n\nBefore you swipe that card, ask yourself: Do I need this, or do I just want this because _I think I deserve it_? You might be surprised by the answer.\n\nThe \"Keeping Up\" Comparison Game\n--------------------------------\n\nWelcome to the 21st century, where your worth is measured in likes and followers. Social media has transformed into a never-ending parade of curated perfection. Your online friends are jet-setting to exotic locales, flaunting designer bags, and living in impossibly chic apartments. Influencers around the world showcase their indulgent hauls while watching sunsets in exotic destinations, and you? You're stuck staring at your own decidedly less glamorous life, feeling increasingly inadequate. \n\nThe \"Keeping Up\" Comparison Game is a relentless state, constantly whispering toxic doubts: _Why don't I have that? Why can't I afford that?_ The constant barrage of curated perfection around us fuels a relentless pursuit of material possessions. You find yourself desperately trying to keep up, chasing that elusive _“perfect”_ lifestyle, all while your bank account dwindles and your anxiety skyrockets.\n\nDelete Instagram. Or, at the very least, unfollow those accounts that make you feel like a total loser. Your mental health will thank you; your bank account as well.\n\n![lifestyle creep](https://assets.workingal.com/lifestyle_creep_98ba14fbe0.jpg)\n\nThe \"I Can Afford It Now\" Trap \n-------------------------------\n\nRemember when \"affordable\" meant ramen noodles and bodega wine? Those were the days. Now, with a slightly higher paycheck, your definition of \"affordable\" has undergone a dramatic transformation. That rent that once felt like a Herculean effort to pay? Suddenly, it's _\"manageable.\"_ That designer dress you once lusted after from afar? Now, it's _\"within reach.\"_\n\nThis mentality subtly normalizes higher spending, slowly eroding your financial boundaries. What started as a rare became the new normal. Before you know it, you're living beyond your means, convinced that this inflated lifestyle is simply _\"sustainable.\"_\n\nDon't let your definition of affordable inflate with your income. Stick to a budget, and remember that just because you can afford something doesn't mean you should afford it.\n\nThe Hidden Costs\n================\n\nLifestyle creep apart from draining your bank account, has a profound impact on your mental well-being. The constant pressure to maintain a certain lifestyle (that is rooted in your head mainly, not your surroundings) can be incredibly **stressful**. You're always chasing the next upgrade, the next “level up,” leaving little room for relaxation or enjoyment. Even with a higher income, you're constantly on the brink of financial instability. And when you are into a lifestyle creep storm, _a sudden job loss or unexpected expense can quickly spiral into a debt crisis._ And at the end of the day, instead of spending the money on things you used to dream of, like the downpayment for a house, this island-hopping in Greece seems to get pushed further and further down the line as your expenses continue to climb.\n\nHow To Break Free\n=================\n\n![lifestyle creep](https://assets.workingal.com/lifestyle_creep_08c37096c7.jpg)\n\nTrack Your Spending\n-------------------\n\nThis is the foundation of any successful financial strategy. Get real about **where your money is actually going**. You might be surprised how quickly those daily lattes and impulse hauls add up. The good news is that you can easily track where your money is going. There is a plethora of apps that you can use to track your expenses and income. Download one today. \n\nCreate a Budget (and Stick To It)\n---------------------------------\n\nThis is where the rubber meets the road. No more guesswork, no more \"oh, I'll figure it out later.\" It's time to get real about where your hard-earned cash is going. How to create a budget? Well, we’ve got you covered. [Download this](https://www.workingal.com/articles/be-financially-fit-your-101-guide-ebook) and learn more about how finance works and how to manage your money more effectively. There are so many ways to create a budget, from the classic one (aka the 50/30/20 rule) to the most hardcore 80/20. The choice is yours. However, _don't get bogged down in the minutiae_. The goal isn't to become a spreadsheet warrior (you won’t; it’s harsh, trust me). It's to gain awareness of your spending habits and make conscious choices about how you allocate your income.\n\nDefine Your Values\n------------------\n\nYes, I know you are a good person, and you follow your values and principles. But to stop spending irrationally, why don’t you ask yourself: _what truly sets my soul on fire?_ Is it that designer handbag or that once-in-a-lifetime trip to Bali? Sit down and reflect on what truly matters to you. Things? Experiences? Travel? Giving back? Whatever the answer is, align your spending with your values. If experiences truly matter to you, prioritize those over material possessions. Your bank account will thank you, and you'll feel a more profound sense of fulfillment.","you-re-not-richer-you-re-just-spending-more","lifestyle creep, what is lifestyle creep, earn more spend more, spending more money, how to overcome lifestyle creep","Congratulations! We got the raise and now what? Are you going to spend all the money and be a victim of lifestyle creep or you will prudent?","2025-01-08","2025-01-08T00:05:33.044Z","2025-01-08T00:16:39.026Z","2025-01-08T00:16:39.023Z",{"id":338,"documentId":339,"name":340,"alternativeText":341,"caption":341,"focalPoint":79,"width":80,"height":81,"formats":342,"hash":371,"ext":84,"mime":88,"size":372,"url":373,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":374,"updatedAt":374,"publishedAt":374},237,"nzr8y3kctl3lqdxflyy7kz9h","lifestyle creep-9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1.jpg","lifestyle creep",{"large":343,"small":350,"medium":357,"thumbnail":364},{"ext":84,"url":344,"etag":345,"hash":346,"mime":88,"name":347,"path":79,"size":348,"width":91,"height":92,"sizeInBytes":349},"https://assets.workingal.com/large_lifestyle_creep_9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1.jpg","aeb48a806e3c6ef383de0e4851bf407f","large_lifestyle_creep_9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1","large_lifestyle creep-9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1.jpg",66.77,66772,{"ext":84,"url":351,"etag":352,"hash":353,"mime":88,"name":354,"path":79,"size":355,"width":100,"height":101,"sizeInBytes":356},"https://assets.workingal.com/small_lifestyle_creep_9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1.jpg","10f85e32aad24b535a81029e4f665916","small_lifestyle_creep_9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1","small_lifestyle creep-9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1.jpg",20.98,20976,{"ext":84,"url":358,"etag":359,"hash":360,"mime":88,"name":361,"path":79,"size":362,"width":109,"height":110,"sizeInBytes":363},"https://assets.workingal.com/medium_lifestyle_creep_9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1.jpg","ef1526308ddf5879ebd1824eaf53d390","medium_lifestyle_creep_9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1","medium_lifestyle creep-9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1.jpg",41.8,41798,{"ext":84,"url":365,"etag":366,"hash":367,"mime":88,"name":368,"path":79,"size":369,"width":118,"height":119,"sizeInBytes":370},"https://assets.workingal.com/thumbnail_lifestyle_creep_9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1.jpg","087094164bafcd899e48aa07888c6a6d","thumbnail_lifestyle_creep_9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1","thumbnail_lifestyle creep-9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1.jpg",6.24,6235,"lifestyle_creep_9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1",86.09,"https://assets.workingal.com/lifestyle_creep_9fb0325a4f07f4b3b2ee806c7e141977a588a302cec2b0b82de341199aadd3b1.jpg","2026-09-06T10:34:55.610Z",{"id":26,"documentId":27,"name":28,"slug":29,"createdAt":48,"updatedAt":48,"publishedAt":49},{"id":26,"documentId":128,"name":129,"slug":130,"instagram":131,"facebook":132,"bio":133,"linkedIn":134,"createdAt":135,"updatedAt":135,"publishedAt":136,"avatar":377},{"id":42,"documentId":138,"name":139,"alternativeText":140,"caption":141,"focalPoint":79,"width":142,"height":142,"formats":378,"hash":154,"ext":145,"mime":149,"size":155,"url":156,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":157,"updatedAt":157,"publishedAt":158},{"thumbnail":379},{"ext":145,"url":146,"etag":147,"hash":148,"mime":149,"name":150,"path":79,"size":151,"width":152,"height":152,"sizeInBytes":153},{"id":381,"documentId":382,"title":383,"content":384,"slug":385,"coffees":36,"seo_title":383,"keywords":386,"seo_desc":387,"bylineDate":388,"bylineTimezone":70,"createdAt":389,"updatedAt":390,"publishedAt":391,"featuredImage":392,"category":430,"author":431,"img":428},441,"jvl8c7e1dqgahro6n4t2pue3","Real Stories: My Biggest Challenge At Work","Challenges and work usually come together. No matter how much we like our job, there is always something that is off, and it can seriously challenge our mental health and tolerance and can even lead to burnout. Things are never ideal, but this is life, right?\n\nHowever, each of us faces different challenges, so we asked our fellow working gals around to tell us what the most challenging thing they faced at work was and how they managed to solve it. Read below.\n\nAshley answered, “My boss didn’t like me -at all.”\n--------------------------------------------------\n\n![real story work challenges](https://assets.workingal.com/real_story_work_challenges_fb58a3d04f.jpg)\n\n_“I generally don’t have special issues at work; I was lucky enough to work with amazing people and build a rapport with them in almost every position I worked. So, basically, I didn’t face any particular challenges while trying to climb the career ladder. However, about a couple of years ago, after some time of being unemployed for personal reasons, I decided to start looking for a job, and I landed one quite fast. The scope of work was very okay, as were the salary and benefits, and I felt pretty comfortable working at the office, even though I prefer the hybrid or fully remote model. Anyway, everything looked cool in the beginning until I eventually met my manager. I have never felt such distant vibes ever. They were only a couple of years older than me and had an impressive resume but not remarkable behavior. I justified the cold behavior by thinking that they were my first days here, I was new, and they tried to ‘discipline’ me in some -weird- way. After all, they are my boss; I don’t have any expectations of being BFF with them from day 1. In the meantime, I realized they generally had amazing relationships with the rest of the team —not with me. Even though I am a very sociable and friendly person -as I’m told- I am not expecting to be friends with everyone, but I’m hoping to have a decent relationship with my colleagues and supervisors so the job is done and we all go home happy. But not this time for me. Even though I was performing well and my reviews were more than OK, they never seemed to try to get closer to me. They avoided inviting me to important meetings or filling me up about projects I was leading; they kept information from me, and, in general, they never showed appreciation for me. Our 1-1s were very off; we didn’t ever try to break the ice (while I was trying to do so every day), and everything in our communication was off. I put in 1 year of effort, but I gave up. They would never like me. And the fun fact was that they seemed like a cool and easy going person._ \n\n_This ended up being challenging because, frankly, even though my performance was good, I didn’t feel like progressing, considering that your manager is there to guide you and help you move forward and improve. Or not? Anyway, I started looking for another job, and finally, after 1.5 years, I quit and moved to another job. They didn’t even say goodbye. I still think from time to time what I did wrong to deserve such behavior but, at the end of the day, I didn’t have to put up with it. What I should have done, though, was to have an honest conversation with them and be straightforward. It may have helped.”_\n\nAngela answered, “Remote work ruined my life.”\n----------------------------------------------\n\n![real story work challenges](https://assets.workingal.com/real_story_work_challenges_85bb22ac5e.jpg)\n\n_”When COVID hit, I was recently employed in a company, working at the office, as most of us. However, we were instructed to work from home when the situation worsened. At first, it was quite a relief since I had a little kid in the house, and, like everyone, I was scared of what could happen and how the pandemic would end. Given that my company didn’t have much experience with remote work, we spent a significant amount of time trying to catch up and find the proper SOPs for the team to be productive and do the job. Some colleagues weren’t tech-savvy and saw that as one of their worst nightmares. I generally am very ok with tech, and, honestly, I learned so many new things and tips, so I didn’t mind working remotely from the coziness of my house. I need to note here that my job is not highly competitive or demanding, so I don’t usually exceed my regular working hours, but I benefit from a generous salary. Long story short, the dream. In the beginning, as I said, we all worked overtime just to familiarize ourselves with the new way of working and ensure that we can still be productive as a team, even though we work far away from each other. I didn’t care much because I had nowhere to go after work, right? The months passed, and the remote work kept going, but life kept going as well, and I found myself working not only overtime but literally double shifts. Given the lack of outdoor activities, I started spending more time in front of the laptop, finishing all the little tasks on my To-Do lists, and promising myself that I would benefit from the double shift during the weekend. But, the work became more and more demanding, the company expanded, and there I was, working almost 18 hours a day, 7 days a week. I started neglecting my family. I barely did anything at home, and despite my husband’s complaints, I got so focused on work that I could barely have a normal conversation with him. And if I decided to pay some attention and he asked about my job, I suddenly picked up my laptop, doing something that occurred to me at that moment. How rude! Yet, this went on for quite some time, and the company decided to keep the remote model post-COVID since it saved thousands from office use, giving us the option to go to the office 1-2 times a week -which was optional. And I didn’t even consider the option. So, I went on working and working and working. I gained a considerable amount of weight since I didn’t move anymore, and I was on the verge of a divorce since my husband couldn’t take any more responsibility for our kid, the household, and everything in between._ \n\n_I don’t exactly know what caused that, but when he threatened me with a divorce, I then realized what I had done. I got so into doing my job that I forgot I had a family and a life. The lack of boundaries I put myself into was unimaginable, and I really neglected not only my physical health but my emotional well-being._ \n\n_What happened next? Well, I took the option of going to the office at least 2-3 times per week and got home at normal hours. I left the laptop away from my sight, and I never turned it on after hours. By the way, the company had no requirement to do so. I did this to myself. I realized that I am an office person and I operate better in this way. And I saved my family’s well-being as well. I am never going back remote. Never!”_\n\nMaria answered, “I was never trained in my new role.”\n-----------------------------------------------------\n\n![real story work challenges](https://assets.workingal.com/real_story_work_challenges_3997bfda31.jpg)\n\n_“When I was hired in my previous position, I had a significant amount of experience in the field but no experience in the specific company, which was pretty different from the previous one. However, while I was interviewing, I mentioned that, and they reassured me that I would receive quite some training before diving into the projects; so far, so good. What they didn’t tell me was that the training would be a handbook of 400 pages and around 4-5 videos to watch. And that’s it. Nothing more; no person to show you or talk to since everyone was extremely busy with their own stuff. It took me a week to finish half the handbook while, at the same time, my To-Do list was piled up with tasks I didn’t even know how to execute, and my managers and colleagues didn’t even spend 5 minutes answering my questions. I felt so frustrated and I was trying to improvise every single day to finish a couple of tasks of the… many. I reached out to my supervisor and they suggested that I pay more attention to the handbook, which, btw, was the worst written thing I have ever read. As a result, in my first trimester, my performance was equal to an intern’s, which, considering my experience, was at least comic. I spent a lot of time after work and tried to find solutions by myself to be able to move forward, but I couldn’t do much without help from more experienced people who actually worked in the specific way that the company works. I get furious when I still think of the indifference they showed regarding the training. They practically paid me for nothing, and I was basically struggling. This seriously harmed my mental health, considering that I’m a very career-driven person, and I felt like I was put on hold without my wanting to. I lasted six months without gaining any experience and without being useful to the company, and then I quit. In my next job, I made it clear that training is very important for me in order to be able to help them, and thankfully, I got amazing training —from real people. Sometimes, I wonder how this company is still operating, considering the extensive lack of training. By chance, I guess?”_","real-stories-my-biggest-challenge-at-work","work challenges, work challenge, real story work, career challenges real, real stories for career","Three women shared what the biggest challenge of their careers was. Read what they told The Working Gal.","2025-01-05","2025-01-05T04:39:45.644Z","2025-01-05T04:44:15.408Z","2025-01-05T04:44:15.405Z",{"id":393,"documentId":394,"name":395,"alternativeText":396,"caption":396,"focalPoint":79,"width":80,"height":81,"formats":397,"hash":426,"ext":84,"mime":88,"size":427,"url":428,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":429,"updatedAt":429,"publishedAt":429},235,"zig7lkvxba6mrhq26mbnctfh","real story work challenges-43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7.jpg","real story work challenges",{"large":398,"small":405,"medium":412,"thumbnail":419},{"ext":84,"url":399,"etag":400,"hash":401,"mime":88,"name":402,"path":79,"size":403,"width":91,"height":92,"sizeInBytes":404},"https://assets.workingal.com/large_real_story_work_challenges_43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7.jpg","30f6700dd0dece253a242d3a1954cb73","large_real_story_work_challenges_43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7","large_real story work challenges-43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7.jpg",83.5,83495,{"ext":84,"url":406,"etag":407,"hash":408,"mime":88,"name":409,"path":79,"size":410,"width":100,"height":101,"sizeInBytes":411},"https://assets.workingal.com/small_real_story_work_challenges_43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7.jpg","7887b4f61af802ad92cd84dd5e912110","small_real_story_work_challenges_43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7","small_real story work challenges-43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7.jpg",27.83,27830,{"ext":84,"url":413,"etag":414,"hash":415,"mime":88,"name":416,"path":79,"size":417,"width":109,"height":110,"sizeInBytes":418},"https://assets.workingal.com/medium_real_story_work_challenges_43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7.jpg","f341469649bca8620da903f9eef10fcb","medium_real_story_work_challenges_43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7","medium_real story work challenges-43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7.jpg",53.06,53064,{"ext":84,"url":420,"etag":421,"hash":422,"mime":88,"name":423,"path":79,"size":424,"width":118,"height":119,"sizeInBytes":425},"https://assets.workingal.com/thumbnail_real_story_work_challenges_43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7.jpg","62a102c948c9ec869792b4d4a741e03d","thumbnail_real_story_work_challenges_43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7","thumbnail_real story work challenges-43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7.jpg",9.26,9260,"real_story_work_challenges_43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7",107.76,"https://assets.workingal.com/real_story_work_challenges_43bc0a734eb56085eef935047da67e9a8847142a0280ed0d673495a7ab8fdfe7.jpg","2026-09-06T10:34:54.243Z",{"id":26,"documentId":27,"name":28,"slug":29,"createdAt":48,"updatedAt":48,"publishedAt":49},{"id":31,"documentId":432,"name":433,"slug":434,"instagram":435,"facebook":436,"bio":437,"linkedIn":79,"createdAt":438,"updatedAt":438,"publishedAt":439,"avatar":440},"ukgot5nm4dgqju73fwiwdelm","The Working Gal Team","the-working-gal-team","https://www.instagram.com/the_working_gal/","https://www.facebook.com/theworkinggal","Written and curated collaboratively by the editors behind The Working Gal. Bringing together shared stories, practical career insight, and modern lifestyle perspectives.","2026-09-06T10:31:21.475Z","2026-09-06T10:31:21.487Z",{"id":441,"documentId":442,"name":443,"alternativeText":444,"caption":444,"focalPoint":79,"width":142,"height":142,"formats":445,"hash":453,"ext":145,"mime":149,"size":454,"url":455,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":456,"updatedAt":456,"publishedAt":456},5,"wjqyp2hu8gbfmc8z6tm46b47","Untitled-7-23388bce2c185874b0150ef7b15669a3512bc94b01650602e6df4e42ec59e547.png","",{"thumbnail":446},{"ext":145,"url":447,"etag":448,"hash":449,"mime":149,"name":450,"path":79,"size":451,"width":152,"height":152,"sizeInBytes":452},"https://assets.workingal.com/thumbnail_Untitled_7_23388bce2c185874b0150ef7b15669a3512bc94b01650602e6df4e42ec59e547.png","18a930235d0aa447f29ed44c5fe9fbe5","thumbnail_Untitled_7_23388bce2c185874b0150ef7b15669a3512bc94b01650602e6df4e42ec59e547","thumbnail_Untitled-7-23388bce2c185874b0150ef7b15669a3512bc94b01650602e6df4e42ec59e547.png",11.83,11829,"Untitled_7_23388bce2c185874b0150ef7b15669a3512bc94b01650602e6df4e42ec59e547",5.86,"https://assets.workingal.com/Untitled_7_23388bce2c185874b0150ef7b15669a3512bc94b01650602e6df4e42ec59e547.png","2026-09-06T10:31:21.358Z",{"id":458,"documentId":459,"title":460,"content":461,"slug":462,"coffees":79,"seo_title":460,"keywords":463,"seo_desc":464,"bylineDate":465,"bylineTimezone":70,"createdAt":466,"updatedAt":467,"publishedAt":468,"featuredImage":469,"category":508,"author":509,"img":506},421,"gwrhyqg2ymdltpiha1uiyghb","Career Progress 2025: What are the Skills You Need to Develop?","The countdown for the New Year has already started, and, as the current year has already shown, the job market is evolving rapidly, driven by **technological advancements** and changing industry demands. No matter what your industry is, there are specific skills that are always a good idea to develop in order to keep up with your career requirements or land a new job. The pace of change is accelerating. Businesses and industries are constantly adapting to new technologies, market demands, and economic shifts. What is certain is that at some level, every job requires you to analyze situations, identify problems, and find practical solutions, no matter what you industry is. So, what are the skills you need to develop in order to be competitive in the job market?\n\n## Critical Thinking & Problem-Solving\n\n![Career skills 2025](https://assets.workingal.com/Career_skills_2025_7711d60c08.jpeg)\n\nThis means that you should develop the ability to analyze complex problems and develop innovative solutions. A rapidly changing world requires individuals who can quickly adapt to new situations and challenges. When you train your brain to think critically, you can identify **opportunities** for improvement and develop innovative solutions that can stand out and assist your employer in creating more opportunities. Strong problem-solving skills help you make informed decisions and manage crisis incidents that arise.\n\nTo sharpen your critical thinking and problem-solving skills, actively question assumptions, analyze information from various angles, and consider the potential consequences of different solutions. Encourage creative thinking by **brainstorming** unconventional ideas and collaborating with diverse teams to gain fresh perspectives. Remember to [learn from mistakes](https://www.workingal.com/articles/5-steps-to-manage-your-mistakes-at-work), using them as opportunities for growth, and seek feedback from others to refine your approach. And if you think that these skills are valuable only in specific fields, then you may want to rethink. Critical thinking and problem solving are essential for every job and can help improve the operations and processes of any job and company; from identifying market trends and developing innovative products in business to diagnosing illnesses and improving patient care in healthcare. Also, in education, these skills help design effective curricula and address student challenges, while in technology, they drive the creation of **innovative** software and the resolution of complex technical issues.\n\n## Creativity and Innovation \n\n![Career skills 2025](https://assets.workingal.com/Career_skills_2025_ded22e36c5.jpeg)\n\nApart from problem solving skills and critical thinking, another important skill is creativity and innovation not only for driving progress in businesses but also for solving complex problems. They involve thinking outside the box, challenging the status quo, and generating novel ideas. Establishing a culture of creativity can be a indispensable tool for individuals and organizations in order to unlock new opportunities and achieve **groundbreaking** results.\n\nIf you believe that you lack creativity skills and your thinking is not exactly “out of the box”, then you need to cultivate a curious mindset, challenge assumptions, and [embrace failure](https://www.workingal.com/articles/the-art-of-failure-how-to-turn-mistakes-into-actual-success) as a learning opportunity. Techniques like brainstorming, mind mapping, freewriting, and lateral thinking can help you generate innovative ideas. Also, don’t underestimate the power of your free time: Stimulate your creativity by engaging in **hobbies**, spending time in nature, taking breaks, and collaborating with diverse individuals. Being curious about everything and everyone can help your mind work into a more creative way and gain a different perspective.\n\n### You can also read: [10 Hard Truths About Your Career Nobody Will Ever Tell You](https://www.workingal.com/articles/10-hard-truths-about-your-career-nobody-will-ever-tell-you)\n\n## Adaptability and Flexibility \n\n![Career skills 2025](https://assets.workingal.com/Career_skills_2025_df54ff6d24.jpeg)\n\nAlbert Einstein once said that _“The measure of intelligence is the ability to change”_. That said, adaptability and flexibility are crucial in today's rapidly changing world. What is adaptability? It’s the ability to accept change, to adjust in new situations and become resilient toward uncertainty. This way, you will be able to overcome possible obstacles and move forward. Also, being flexible can help you overcome stress and adapt to the circumstances.\n\nTo enhance your adaptability and flexibility, shift your perspective toward change: aka see change as an opportunity for growth not a given that you need to stop from happening. Cultivate a positive attitude, maintain an open mind, and proactively seek information and resources. Work on establishing [effective communication](https://www.workingal.com/articles/4-hacks-for-effective-communication-in-the-workplace), aim to learn new skills, and prioritize your mental health during times of change. \n\n## Communication and Interpersonal Skills \n\n![4 hacks for effective communication 2.webp](https://assets.workingal.com/4_hacks_for_effective_communication_2_21a213f40b.webp)\n\nEffective communication and interpersonal skills are essential for building strong relationships and achieving effective collaboration. Being able to communicate effectively is not only for jobs that require customer support. It’s about **collaborating** with your colleagues, your manager, and being able to address issues and problems when they arise in a clear and concise manner. Being able to communicate effectively can help you establish yourself as a professional and achieve your goals.\n\nIf you feel that you need to develop more of your communication skills, start by focusing on active listening, and **empathy**, by giving your full attention, asking clarifying questions, and paraphrasing to ensure understanding. Also, when expressing yourself, use clear and concise language, adjust your tone and body language to the situation, and be mindful of nonverbal cues. Especially, when you work with international teams with people from different **cultures**. Keep in mind that not all people have the same communication standards, so it’s important that you develop empathy by considering others' perspectives and experiences by responding thoughtfully and respectfully. Additionally, seek **feedback** from others, practice your public speaking skills, and join social groups to gain experience and improve your communication skills.   \n\n## Digital Literacy \n\n![Career skills 2025](https://assets.workingal.com/Career_skills_2025_345dc920f1.jpeg)\n\nIt’s almost impossible to survive and be relevant in the in the digital age without being digital literate. Of course, you don’t have to study **programming** and get into software engineering (which is very interesting btw), but in order to keep up with the new trends and updates you need at least to have a fair amount of knowledge, considering that the majority of businesses have adopted technology in their processes.\n\nYou can also read: [Why Invest in Lifelong Learning?](https://www.workingal.com/articles/why-invest-in-lifelong-learning)\n\nHow to be more digitally literate? You first of all, need to embrace a lifelong learning approach, considering that technology is progressing every single day. Stay updated on the latest technological trends by following tech news, subscribing to relevant newsletters, and participating in online discussions. Take advantage of **online courses**, webinars, and tutorials to acquire new skills and knowledge. Experiment with different digital tools and platforms to discover what works best for you. Don't hesitate to seek help from others when needed. Keep in mind that digital literacy is an ongoing journey, so be open to adapting and evolving as technology advances.","career-progress-2025-what-are-the-skills-you-need-to-develop","Career skills 2025, career advancement 2025, what skills do I need to have for work, work skills, soft skills 2025","These are the skills you need to develop for the new year ahead. Read the article and learn how to.","2024-12-27","2024-12-27T19:41:39.425Z","2024-12-27T19:55:22.486Z","2024-12-27T19:55:22.484Z",{"id":470,"documentId":471,"name":472,"alternativeText":473,"caption":473,"focalPoint":79,"width":80,"height":81,"formats":474,"hash":504,"ext":476,"mime":88,"size":505,"url":506,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":507,"updatedAt":507,"publishedAt":507},225,"nunpqj9y3oiwupzrl6009uk4","Career skills 2025-1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9.jpeg","Career skills 2025",{"large":475,"small":483,"medium":490,"thumbnail":497},{"ext":476,"url":477,"etag":478,"hash":479,"mime":88,"name":480,"path":79,"size":481,"width":91,"height":92,"sizeInBytes":482},".jpeg","https://assets.workingal.com/large_Career_skills_2025_1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9.jpeg","874241b8fc6d6f3a2e80a3fd5f9b0ece","large_Career_skills_2025_1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9","large_Career skills 2025-1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9.jpeg",49.35,49349,{"ext":476,"url":484,"etag":485,"hash":486,"mime":88,"name":487,"path":79,"size":488,"width":100,"height":101,"sizeInBytes":489},"https://assets.workingal.com/small_Career_skills_2025_1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9.jpeg","5bfb38930e93128b16ca2ee3823e7acc","small_Career_skills_2025_1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9","small_Career skills 2025-1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9.jpeg",17.47,17468,{"ext":476,"url":491,"etag":492,"hash":493,"mime":88,"name":494,"path":79,"size":495,"width":109,"height":110,"sizeInBytes":496},"https://assets.workingal.com/medium_Career_skills_2025_1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9.jpeg","8ea53d63ef19fd7f04db434f8a8904ca","medium_Career_skills_2025_1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9","medium_Career skills 2025-1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9.jpeg",31.57,31571,{"ext":476,"url":498,"etag":499,"hash":500,"mime":88,"name":501,"path":79,"size":502,"width":118,"height":119,"sizeInBytes":503},"https://assets.workingal.com/thumbnail_Career_skills_2025_1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9.jpeg","0e4f01bdad3a2da12a4773b98648b695","thumbnail_Career_skills_2025_1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9","thumbnail_Career skills 2025-1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9.jpeg",5.68,5676,"Career_skills_2025_1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9",80.8,"https://assets.workingal.com/Career_skills_2025_1902321516c011da225df50390c11e9c8c245c17af0afa43bcd68560bd8466f9.jpeg","2026-09-06T10:34:44.389Z",{"id":26,"documentId":27,"name":28,"slug":29,"createdAt":48,"updatedAt":48,"publishedAt":49},{"id":31,"documentId":432,"name":433,"slug":434,"instagram":435,"facebook":436,"bio":437,"linkedIn":79,"createdAt":438,"updatedAt":438,"publishedAt":439,"avatar":510},{"id":441,"documentId":442,"name":443,"alternativeText":444,"caption":444,"focalPoint":79,"width":142,"height":142,"formats":511,"hash":453,"ext":145,"mime":149,"size":454,"url":455,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":456,"updatedAt":456,"publishedAt":456},{"thumbnail":512},{"ext":145,"url":447,"etag":448,"hash":449,"mime":149,"name":450,"path":79,"size":451,"width":152,"height":152,"sizeInBytes":452},{"id":514,"documentId":515,"title":516,"content":517,"slug":518,"coffees":66,"seo_title":516,"keywords":519,"seo_desc":520,"bylineDate":521,"bylineTimezone":70,"createdAt":522,"updatedAt":523,"publishedAt":524,"featuredImage":525,"category":563,"author":564,"img":561},386,"xjvb018imale92qmuo0qk5bs","Holiday Budget Tips: How to Enjoy the Season Without Financial Regret","There's a particular kind of dread that settles in around mid-November—right when the holiday decorations start appearing and your calendar fills with parties, [dinners](https://www.workingal.com/articles/host-the-best-autumnal-evening-with-the-perfect-fall-dinner-party-menu), and gift exchanges. It's not that you don't love this time of year. You do. But somewhere between the [cozy sweaters](https://www.workingal.com/articles/best-loungewear-from-amazon) and the Mariah Carey playlist, there's an uncomfortable truth lurking: the holidays are expensive, and your bank account knows it.\n\nIf you've ever ended December wondering how exactly you spent that much money, or started January staring at credit card statements with a vague sense of panic, you're in very good company. According to [Achieve's 2025 Season of Spending report](https://www.achieve.com/about/press/79-percent-of-americans-have-less-than-1000-dollars-to-spend-on-the-2025-holiday-season-achieve-survey-finds), 79% of consumers have less than $1,000 set aside for holiday spending, and over half expect to incur debt that will take months to pay off. The average American is projected to spend around $1,552 this holiday season, and for many, that money is going straight onto credit cards.\n\nThe financial pressure of the holidays isn't just about the numbers—it affects how we actually experience the season. Research shows that 56% of holiday shoppers say the costs associated with holiday spending stress them out, and for 73% of consumers, that financial anxiety takes away from their enjoyment of the season entirely. That's not exactly the holiday magic we're all chasing.\n\nThe good news? With some intentional planning and a few mindset shifts, you can absolutely enjoy a meaningful, memorable [holiday season](https://www.workingal.com/articles/is-holiday-depression-manageable) without the financial hangover that follows. These aren't tips about deprivation or skipping the fun parts—they're strategies for being strategic so you can actually relax and be present during the most wonderful time of the year.\n\n![Holiday Season & Finances](https://assets.workingal.com/Holiday_Season_and_Finances_ee923e6c46.jpg)\n\n\n## Start With an Honest Budget (And Actually Stick to It)\n\nBefore you buy a single gift or RSVP to a single party, you need to know your number. Not a vague sense of what you can afford, but an actual, written-down budget that accounts for everything the holiday season throws at you.\n\nHere's what most people forget to include: gifts are just the beginning. Your holiday budget should cover decorations, wrapping supplies, holiday cards and postage, special food and ingredients for gatherings, party outfits, hostess gifts, tips for service providers, charitable donations, and any travel expenses. When you write it all out, the true cost of the season becomes much clearer—and much easier to manage.\n\nSet a total spending limit based on your current financial situation, then break it down by category. Be realistic about what you can actually afford without dipping into emergency savings or carrying debt into the new year. According to [Deloitte's 2025 Holiday Retail Survey,](http://deloitte.com/us/en/Industries/consumer/about.html?id=us%3A2ps%3A3gl%3AIABB26%3Aawa%3Agreendot%3Anonem%3AK0217046%3A111025%3Akwd-2446665175643%3A187431651243%3A781644204893%3A%3ABrand_IndustryAdvantage_BU_K0217046_Google%3ABrand_IndustryAdvantage-Consumer-Hub%3Adeloitte-consumer-products-consulting%3A&gclsrc=aw.ds&gad_source=1&gad_campaignid=23010277859&gbraid=0AAAAADenGPDqMrGCW2YJwzmyNVF8aAoWl&gclid=Cj0KCQiA9OnJBhD-ARIsAPV51xNd3JQFSXQMuQlgE_oip2OS5gWePIGc1P5smf8FlXbo5zZyuAC3q5MaAlbhEALw_wcB) consumers are projecting an average spend of $1,595 this year, marking a 10% decline from 2024 levels—which suggests more people are getting serious about not overextending themselves.\n\nOnce you have your number, track your spending as you go. Use a simple spreadsheet, a budgeting app, or even a notes app on your phone. The goal is awareness—when you know exactly where you stand, impulse purchases become much harder to justify.\n\n## Create a Gift List Before You Shop\n\n![Holiday Season & Finances](https://assets.workingal.com/Holiday_Season_and_Finances_a255477114.jpg)\n\nGift-giving without a list is basically handing your wallet over to the holiday marketing machine. Every store, every ad, every beautifully styled window display is designed to make you buy more than you planned. Your defense? A detailed list you made before stepping foot in a store or opening a browser.\n\nWrite down every person you plan to buy for, what you're considering getting them, and how much you want to spend on each person. This isn't about being rigid—it's about being [intentional](https://www.workingal.com/articles/intenional-living). When you know that your sister's budget is $50 and you've decided on a silk pillowcase set, you're much less likely to wander into \"well, this candle would be nice too, and maybe this book, and oh she'd love these earrings...\"\n\nWhile you're at it, check what you already have. Many of us have forgotten gift wrap, ribbon, or decorations tucked away in storage. A quick inventory can save you from buying duplicates of things you already own.\n\nIf you're looking for thoughtful gift ideas that won't destroy your budget, we've put together a comprehensive [holiday gift guide](https://www.workingal.com/articles/holiday-gift-guide-2025) with options across every price point—from luxe splurges to affordable treasures that feel anything but cheap.\n\n## Shop Smart: Timing, Comparison, and Strategy\n\nThe way you shop matters almost as much as what you buy. A little strategy can stretch your holiday budget significantly further.\n\nStart early if you can. According to [Bankrate's 2025 Holiday Spending Report](https://www.bankrate.com/credit-cards/news/holiday-spending-report/), nearly half of shoppers start their holiday shopping before the end of October. Early shopping gives you time to compare prices, wait for sales, and avoid the desperate last-minute purchases that always cost more. When you're shopping in a panic two days before Christmas, you're not thinking about price—you're thinking about survival.\n\nCompare prices across retailers before buying anything significant. A two-minute search can often save you 20-30% on the same item. Research which stores offer price-match guarantees during the holiday season, and don't hesitate to use them.\n\nTake advantage of sales strategically, but don't let \"good deals\" trick you into overspending. A 40% discount on something you weren't planning to buy isn't a savings—it's just spending. The best deals are the ones on items already on your list.\n\n![Holiday Season & Finances](https://assets.workingal.com/Holiday_Season_and_Finances_6f6a1b19a6.jpg)\n\nConsider buying certain items after the holidays for next year. Holiday decorations, wrapping paper, and seasonal items go on significant clearance in late December and January. If you have storage space and a little foresight, next year's holiday budget [will be grateful](https://www.workingal.com/articles/gratitude-trend).\n\n## Embrace Thoughtful Over Expensive\n\nSomewhere along the way, we internalized the idea that more expensive gifts equal more love. This is, of course, nonsense—but it's powerful nonsense that's hard to shake, especially when advertisements are working overtime to convince us that the perfect holiday requires the perfect (read: pricey) presents.\n\nThe reality is that thoughtful gifts land better than expensive ones. An [elegant, affordable candle](https://www.workingal.com/articles/best-candles-amazon-every-budget), a curated playlist, a handwritten letter about your favorite memories together, a [home-baked pie](https://www.workingal.com/articles/fall-pies-recipes) beautifully packaged—these gifts communicate care and attention in ways that generic expensive items simply don't.\n\nDIY doesn't have to mean complicated. Simple, well-executed ideas often make the biggest impact. If crafting isn't your thing, consider experience gifts—a promise to cook dinner, a [movie night](https://www.workingal.com/articles/the-ultimate-christmas-movie-list) complete with their favorite snacks, or quality time doing something they love.\n\nFor the people on your list who genuinely don't need more stuff, the gift of your presence or a charitable donation in their name might be more meaningful than another item they'll feel obligated to find space for.\n\n## Be Strategic About Social Commitments\n\nEvery holiday party invitation is also an expense invitation. There's the outfit consideration, potentially a gift, possibly travel costs, and often drinks or contributions to a meal. For social butterflies, December can become a financial black hole disguised as fun.\n\nThis doesn't mean you should become a holiday hermit, but it does mean being selective. You don't have to say yes to everything. Choose the gatherings that matter most to you—the ones with people you genuinely want to see, doing things you'll actually enjoy. It's okay to decline some invitations, even if you could technically afford to attend.\n\nFor the events you do attend, get creative about managing costs. Can you wear something you already own instead of buying new? Can you split a hostess gift with another guest? Can you suggest a potluck instead of everyone bringing individual dishes?\n\n![Holiday Season & Finances](https://assets.workingal.com/Holiday_Season_and_Finances_55066d2573.jpg)\n\nSetting boundaries around holiday socializing isn't about being cheap or antisocial—it's about protecting your energy and your finances so you can be fully present at the events that really matter.\n\n## Rethink What the Holidays Mean to You\n\nIf every holiday season ends with what researchers call a \"financial hangover,\" it might be worth examining why you feel the need to spend so much in the first place.\n\nThe sense of abundance or scarcity during the holidays is largely in our minds. It's about the emotions we experience, not the goods we buy or receive. The most memorable holiday moments usually aren't about presents—they're about connection, tradition, laughter, and the feeling of being together.\n\nThis year, consider what would actually make your holiday season feel meaningful and joyful. Is it really more stuff? Or is it time with people you love, a slower pace, less rushing around, and the peace that comes from knowing you're not creating financial stress for future-you?\n\nSometimes the best gift you can give yourself is permission to do less, spend less, and be more present for the parts that actually matter.\n\n## Use Credit Wisely (Or Not at All)\n\nCredit cards aren't inherently evil, but they become problematic when they disconnect spending from consequences. When you're swiping plastic, the money doesn't feel real—which makes it dangerously easy to overspend.\n\nAccording to [NerdWallet's 2025 Holiday Spending Report](https://www.nerdwallet.com/credit-cards/studies/holiday-spending-report), 74% of holiday shoppers plan to use credit cards, but 31% of last year's holiday shoppers who used credit cards still haven't paid off their balances. Even more concerning, 10% of current holiday shoppers still have credit card debt from multiple holiday shopping years. That's compound holiday debt—interest on top of interest, year after year.\n\nIf you're using credit cards, have a plan to pay off the balance before interest kicks in. If that's not realistic, consider switching to cash or debit for holiday spending. The slight inconvenience of running out of physical money is nothing compared to the financial stress of carrying holiday debt into spring.\n\nBuy Now, Pay Later services are becoming increasingly popular for holiday shopping, but they come with their own risks. [Research from the Consumer Financial Protection Bureau](https://files.consumerfinance.gov/f/documents/cfpb_BNPL_Report_2025_01.pdf) shows that BNPL users often pile on debt, with most having multiple installment loans open at the same time.\n\n## Plan for Next Year Starting Now\n\nThe best time to start budgeting for next year's holidays is right after this year's holidays end. Many people find success with a dedicated holiday savings account where they automatically transfer a small amount each month throughout the year.\n\nEven setting aside $100 per month means you'd have $1,200 ready to go by the following November—no credit cards required, no January panic, no financial hangover.\n\nThis year, keep track of what you actually spend so you have realistic data for next year's planning. You might be surprised by where the money goes, and that awareness can help you make different choices going forward.\n\n## Frequently Asked Questions\n\n### How much should I budget for holiday spending?   \n\n![Holiday Season & Finances](https://assets.workingal.com/Holiday_Season_and_Finances_ec9a5c9c18.jpg)\n\nThere's no universal right answer—it depends entirely on your income, expenses, and financial goals. The average American spends around $1,500-$2,000 during the holiday season, but that doesn't mean you should. A good rule of thumb is to only spend what you can pay off within 30-60 days without impacting your regular bills or emergency savings.\n\n### How can I save money on holiday gifts without looking cheap?   \nFocus on thoughtfulness over price. Personalized gifts, handmade items, experience gifts, and curated collections of small items often feel more special than expensive but generic presents. Check out our [holiday gift guide](https://www.workingal.com/articles/holiday-gift-guide-2025) for budget-friendly ideas that don't sacrifice quality or meaning.\n\n### What percentage of income should go to holiday spending?   \nFinancial experts generally suggest keeping holiday spending to no more than 1-2% of your annual income. If that feels restrictive, remember that holiday debt can take months to pay off and reduces your financial flexibility well into the new year.\n\n### How do I deal with pressure to spend more than I can afford?   \nBe honest with yourself and, if necessary, with others. Many people feel the same financial pressure but are afraid to say anything. Suggesting spending limits for gift exchanges, opting for Secret Santa instead of buying for everyone, or focusing on experiences over gifts can help everyone breathe easier.\n\n### Is it better to use cash or credit cards for holiday shopping?   \nIf you can pay off your credit card balance in full each month, cards can offer benefits like rewards points and purchase protection. However, if you tend to overspend with credit, using cash or debit creates a natural spending limit that can keep your budget on track.\n\nThe holidays should be about joy, connection, and celebration—not financial stress that lingers long after the decorations come down. By approaching the season with intention and a realistic plan, you can create meaningful memories without the money anxiety. \n\n*This article was updated in December 2025*","holiday-season-and-finances-how-to-not-get-completely-out-of-budget","holiday budget tips, how to save money during holidays, holiday spending tips, holiday financial planning, avoid holiday debt, budget-friendly holiday, holiday money management","Struggling with holiday spending? These practical holiday budget tips will help you celebrate without the financial hangover. Learn how to set realistic limits, shop smarter, and actually enjoy the season.\n","2024-11-21","2024-11-21T21:50:33.477Z","2025-12-11T18:14:18.392Z","2024-11-21T21:59:05.560Z",{"id":526,"documentId":527,"name":528,"alternativeText":529,"caption":529,"focalPoint":79,"width":80,"height":81,"formats":530,"hash":559,"ext":145,"mime":149,"size":560,"url":561,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":562,"updatedAt":562,"publishedAt":562},208,"i0ihraq350tl5jqai2trxenv","Holiday Season - Finances-0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c","Holiday Season & Finances",{"large":531,"small":538,"medium":545,"thumbnail":552},{"ext":145,"url":532,"etag":533,"hash":534,"mime":149,"name":535,"path":79,"size":536,"width":91,"height":92,"sizeInBytes":537},"https://assets.workingal.com/large_Holiday_Season_Finances_0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c.png","be9a07bca8cb4b35149cff59b3c87fbb","large_Holiday_Season_Finances_0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c","large_Holiday Season - Finances-0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c",1253.98,1253976,{"ext":145,"url":539,"etag":540,"hash":541,"mime":149,"name":542,"path":79,"size":543,"width":100,"height":101,"sizeInBytes":544},"https://assets.workingal.com/small_Holiday_Season_Finances_0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c.png","ae7dc89679e2144afddea28d791ddaf5","small_Holiday_Season_Finances_0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c","small_Holiday Season - Finances-0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c",318.92,318921,{"ext":145,"url":546,"etag":547,"hash":548,"mime":149,"name":549,"path":79,"size":550,"width":109,"height":110,"sizeInBytes":551},"https://assets.workingal.com/medium_Holiday_Season_Finances_0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c.png","2d726dd51e7658a7d8451d8f4dda3b41","medium_Holiday_Season_Finances_0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c","medium_Holiday Season - Finances-0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c",704.92,704916,{"ext":145,"url":553,"etag":554,"hash":555,"mime":149,"name":556,"path":79,"size":557,"width":118,"height":119,"sizeInBytes":558},"https://assets.workingal.com/thumbnail_Holiday_Season_Finances_0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c.png","203417ec6d89f87dcf5c18d53f143437","thumbnail_Holiday_Season_Finances_0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c","thumbnail_Holiday Season - Finances-0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c",83.64,83635,"Holiday_Season_Finances_0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c",409.08,"https://assets.workingal.com/Holiday_Season_Finances_0bb6dcbe0e39b122a4d796e573bbf3d500609feaaff474598e07b65d571b3c7c.png","2026-09-06T10:34:27.444Z",{"id":26,"documentId":27,"name":28,"slug":29,"createdAt":48,"updatedAt":48,"publishedAt":49},{"id":36,"documentId":565,"name":566,"slug":567,"instagram":568,"facebook":569,"bio":570,"linkedIn":571,"createdAt":572,"updatedAt":572,"publishedAt":573,"avatar":574},"icgwz3s97g2n48u37fiimghg","Tonia","tonia","https://www.instagram.com/liolioutonia/","https://www.facebook.com/tonia.lioliou","If you could find one person combining physical strength and mental ability it would have her name. Tonia is also a teacher, but she has serious experience in all kinds of jobs. She can do whatever you ask her. She is also a big fan of remote work -and she is not afraid to admit it. This is why she loves writing about it.","https://www.linkedin.com/in/tonia-lioliou-078949202/","2026-09-06T10:31:19.662Z","2026-09-06T10:31:19.677Z",{"id":26,"documentId":575,"name":576,"alternativeText":577,"caption":577,"focalPoint":79,"width":142,"height":142,"formats":578,"hash":586,"ext":145,"mime":149,"size":587,"url":588,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":589,"updatedAt":589,"publishedAt":589},"gfgmy2adzscaae1xtj3lgthk","the working gal author-0342f993d3a4dd174b82424b63d1aea3b73f052b98e1df69dbfeb1f8a5fac8dd.png","the working gal author",{"thumbnail":579},{"ext":145,"url":580,"etag":581,"hash":582,"mime":149,"name":583,"path":79,"size":584,"width":152,"height":152,"sizeInBytes":585},"https://assets.workingal.com/thumbnail_the_working_gal_author_0342f993d3a4dd174b82424b63d1aea3b73f052b98e1df69dbfeb1f8a5fac8dd.png","b9461d2a3487761391a49d227832c79e","thumbnail_the_working_gal_author_0342f993d3a4dd174b82424b63d1aea3b73f052b98e1df69dbfeb1f8a5fac8dd","thumbnail_the working gal author-0342f993d3a4dd174b82424b63d1aea3b73f052b98e1df69dbfeb1f8a5fac8dd.png",39.76,39762,"the_working_gal_author_0342f993d3a4dd174b82424b63d1aea3b73f052b98e1df69dbfeb1f8a5fac8dd",22.17,"https://assets.workingal.com/the_working_gal_author_0342f993d3a4dd174b82424b63d1aea3b73f052b98e1df69dbfeb1f8a5fac8dd.png","2026-09-06T10:31:19.590Z",{"id":591,"documentId":592,"title":593,"content":594,"slug":595,"coffees":42,"seo_title":593,"keywords":596,"seo_desc":597,"bylineDate":598,"bylineTimezone":70,"createdAt":599,"updatedAt":600,"publishedAt":601,"featuredImage":602,"category":643,"author":644,"img":641},376,"dy1ef5zkgrp9m4wzpxlbi5yu","Gen Z Employees are Causing Their Managers to Quit","### 1 out of 5 managers has considered quitting because they are stressed about with Gen Z employees\n\nGen Z is, for sure, the generation that most people talk about, whether for their achievements or their weird (per the oldest generations) approach to life. But what is surprising is that not only have they revolutionized the job market, but they have also created ambiguous feelings; are they fighting for a good cause, or are they rebels without a cause?\n\nAccording to a recent analysis by [Intelligent.com](http://intelligent.com), almost 18% of managers in the United States have said they have considered quitting due to the stress of managing Generation Z employees. This research presents managers' concerns about employees in the younger age frame.\n\nIn addition to executives considering resigning, 27% of managers said they would **avoid hiring Gen Zers** if they could. While their communication skills, time management, and teamwork are the \"expertise\" of this generation, managers argue that young people, especially in recent years, have had fewer opportunities to develop these skills through **conventional** methods. The evidence does not conclude here. \n\n![gen z at work](https://assets.workingal.com/gen_z_at_work_bbe06fdd2c.webp)\n\nAs it turns out, 65% of managers surveyed have had to adjust their management style, while three out of four managers say that compared to other generations, managing Gen Z employees requires more time and resources, and 54% have experienced Gen Z individuals communicating with them in an **inappropriate** tone or manner.\n\nAlso, according to the research findings, 2 in 3 managers report that they adjusted their management Style to accommodate Gen Z employees.\n\n[Hui Nguyen](https://www.intelligent.com/about-us/huy-nguyen/), Chief Education, and Career Development Advisor for Intelligent.com pointed out that _\"Gen Z employees come with stronger technical skills than previous generations but may lack the practical experience gained through traditional work environments. Managers should recognize this shift and consider reevaluating their expectations to provide more structured guidance and become more of a mentor than a boss._\" \n\n![gen z at work](https://assets.workingal.com/gen_z_at_work_a10f1f180b.webp)\n\nHe also mentions that with Gen Z increasingly entering the workforce and older generations retiring, employers must proactively assess and adapt their workplace culture. Gen Z's preference for flexibility can drive companies to adopt innovative technologies, streamline processes, and become more agile in today's dynamic digital landscape.\n\nIn another survey of 1,000 managers in the US, 51% said they had experienced **frustration** and 44% **stress** due to managing this age group. Half the managers noted that younger employees cause **tension** because they often demonstrate **poor work ethics** or **overuse their phones**.\n\nWhether this change is for good and whether it will change the job landscape is yet unknown. What is seems to be true is that Gen Z is making its point, even if it’s frustrating for many.","gen-z-employees-are-causing-their-managers-to-quit","gen z, gen z work ethics, gen z years, work with gen z, gen z career,  ","According to research, Gen Z is showing poor work ethics and make their managers life miserable. Read more on the article.","2024-11-14","2024-11-14T02:59:01.357Z","2024-11-14T03:04:05.524Z","2024-11-14T03:04:05.520Z",{"id":603,"documentId":604,"name":605,"alternativeText":606,"caption":606,"focalPoint":79,"width":80,"height":81,"formats":607,"hash":639,"ext":609,"mime":613,"size":640,"url":641,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":642,"updatedAt":642,"publishedAt":642},203,"r6e8ug95ua3yd3wf8pneilxr","gen z at work-1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae.webp","gen z at work",{"large":608,"small":618,"medium":625,"thumbnail":632},{"ext":609,"url":610,"etag":611,"hash":612,"mime":613,"name":614,"path":79,"size":615,"width":91,"height":616,"sizeInBytes":617},".webp","https://assets.workingal.com/large_gen_z_at_work_1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae.webp","24244f394a5e1e127324d4bbeac7f68d","large_gen_z_at_work_1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae","image/webp","large_gen z at work-1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae.webp",64.98,562,64982,{"ext":609,"url":619,"etag":620,"hash":621,"mime":613,"name":622,"path":79,"size":623,"width":100,"height":101,"sizeInBytes":624},"https://assets.workingal.com/small_gen_z_at_work_1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae.webp","01c7a019b6310a446a3871347684d928","small_gen_z_at_work_1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae","small_gen z at work-1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae.webp",21.53,21526,{"ext":609,"url":626,"etag":627,"hash":628,"mime":613,"name":629,"path":79,"size":630,"width":109,"height":110,"sizeInBytes":631},"https://assets.workingal.com/medium_gen_z_at_work_1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae.webp","40b47556dffe7f53a0154d2dde68eb82","medium_gen_z_at_work_1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae","medium_gen z at work-1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae.webp",40.97,40966,{"ext":609,"url":633,"etag":634,"hash":635,"mime":613,"name":636,"path":79,"size":637,"width":118,"height":119,"sizeInBytes":638},"https://assets.workingal.com/thumbnail_gen_z_at_work_1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae.webp","0da85e390860b96c9222bd4e3e13aa43","thumbnail_gen_z_at_work_1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae","thumbnail_gen z at work-1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae.webp",6.74,6740,"gen_z_at_work_1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae",170.02,"https://assets.workingal.com/gen_z_at_work_1f3c8316caa36f24bd4b7776e7e9603f2c6f6ae91f57891c254f69a09b9532ae.webp","2026-09-06T10:34:22.343Z",{"id":26,"documentId":27,"name":28,"slug":29,"createdAt":48,"updatedAt":48,"publishedAt":49},{"id":31,"documentId":432,"name":433,"slug":434,"instagram":435,"facebook":436,"bio":437,"linkedIn":79,"createdAt":438,"updatedAt":438,"publishedAt":439,"avatar":645},{"id":441,"documentId":442,"name":443,"alternativeText":444,"caption":444,"focalPoint":79,"width":142,"height":142,"formats":646,"hash":453,"ext":145,"mime":149,"size":454,"url":455,"previewUrl":79,"provider":124,"provider_metadata":79,"createdAt":456,"updatedAt":456,"publishedAt":456},{"thumbnail":647},{"ext":145,"url":447,"etag":448,"hash":449,"mime":149,"name":450,"path":79,"size":451,"width":152,"height":152,"sizeInBytes":452},{"pagination":649},{"start":650,"limit":651,"total":652},72,9,125,1788762750134]