Work & Money

Welcome to Work & Money.
   
Whether you’re just starting out in the work force, juggling work and motherhood, or getting ready to change jobs, or trying to master your money challenges — we’ve got you covered with our Work & Money section. Here, we discuss college, career prep, finding a job, making a living, and how to manage your money so that it doesn’t manage you.
   
Your Work, Your Passion
   
Certainly, work is about making a paycheck and paying those bills (okay, a little shopping too!), but work is also about your passion. Your life’s work should be something that inspires you, something that gets you out of bed in the morning.
   
Easier said than done, right? Well, it’s all about that soul-searching — and maybe a little trial and error! A great place to start is to check out some of the paths of other working women who have been in your shoes before. Who knows? You might become inspired to find your passion as well!
   
Women and Money: Pros & Woes
   
Fortunately, the pros are the ones helping the rest of us out with our money woes. After all, we’re not born with the ability to earn big, save, and invest. This is the stuff you’ve got to learn, and on The Grit & Grace Project, we want you to have the best information possible. While most of all of us are not pros in finance but we willingly share our real life experience, our stories, solutions, the wisdom we’ve gained along with a little bit of information from the professionals. We’re here to offer what worked for us to help you better handle your money — and your debt.
   
From reducing your high-spending tendencies and saving cash with super apps to what to do when you’ve lost a job and being prepared in the event of a financial loss — we offer our very own financial experience that may help you to make smart decisions for you and your future too.
   
It’s all here on The Grit & Grace Project.

6 Ways the Military Made Me Respectful in the Workplace

6 Ways the Military Made Me Respectful in the Workplace

I’ve been in the military for nearly 11 years now. It’s offered me countless opportunities to travel the country and the world, meet individuals from all different walks of life, and helped me to create a rewarding career serving my country—a privilege not many get to experience. I joined at age 18, barely a month after graduating high school, and with my enlistment, I earned myself a crash course in respect. Although there are nuances the military enforces that other professions may not, over the years I’ve learned a handful of habits that I believe would benefit anyone, regardless of their line of work. Personal values and virtues will influence how you interact and treat others, but here are some tips that […]

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5 Life Lessons I Gained From My Job In Retail

5 Life Lessons I Gained From My Job In Retail

My first job out of high school was working for a discount department store. Being my first “real” job (other than babysitting), it was also my first foray into the more interesting world of how people treat other adults, their children, and retail employees. Here are 5 things that I learned from working in retail: 1. Sometimes, the customer may not be completely in the right. We always want to think the best of people, but not everyone is concerned about store employees and or the product they sell. I once witnessed a customer refuse to return the $200 he was just given on accident by a cashier because, according to him, it was the cashier’s fault and not his problem. Even

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The-Heart-of-Milk-and-Honey-Market-Ethical-and-Beautiful-Fashion

The Heart of Milk & Honey Market: Ethical & Beautiful Fashion

My first exposure to human trafficking was the movie Taken, you know the one where Liam Neeson says, “If you are looking for ransom I can tell you I don’t have money, but what I do have are a very particular set of skills…” and then proceeds to save his daughter from being trafficked by a pimp in a foreign country. I had no idea how much of a global issue (meaning, YES this is happening here in the United States) it was until I heard Christine Caine, from The A21 Campaign, speak at the Passion Conference when I was in college. My eyes were opened, my heart was burdened, and my ignorance became too heavy to carry. How had I missed

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What-Is-the-Key-to-Exceptional-Customer-Service

What Is the Key to Exceptional Customer Service?

Throughout my career, I’ve noticed that some of the best companies, both large and small, put a premium on providing exceptional customer service. I’ve also noticed that exactly how to achieve it often tends to be elusive. It is this same question that companies, consultants, and marketing gurus all over the world have attempted to answer many times. As a result, there is now an abundance of strategies, formulas, programs, and methodologies designed to help organizations find that sweet spot. The problem, at least in my mind, is that most of the strategies focus on modifying behavior in some form or another. Certainly, that does work with the right motivation, but it often does not last, and a new concept needs to

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Managing Your Money So It Doesn't Manage You

Managing Your Money So It Doesn’t Manage You

There are a few things that seem to drive us all crazy, for me some days there may be many. But one that definitely tops the list is the challenge of making ends meet—stretching the budget to pay the bills. It seems like we are always chasing that “I wish I could just get this figured out and keep it that way” illusive dream. So we jump into a new program, a budgeting system, or a great resolution that tomorrow will be different. The problem is we don’t give ourselves a break, instead we look at the challenge and then beat ourselves up when we realize we can’t change it in just a few days. Oftentimes this leads us to get discouraged

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5 Things I Learned Working in the Food Industry

My first job was at a family-owned Italian restaurant in Newport Beach, CA called Mama D’s. The whole place was as big as my living room but, while I was a hostess, the restaurant was the #1 rated in America. Boring shifts were few and far between and customers came to us with the expectation of experiencing excellence. We were not number 1 because it was fancy, and although our food was delicious that was not what we were known for… We were known for customer service. The lessons I learned as a hostess at Mama’s D’s from age 15-17 are ones I apply to my everyday life now, even years later. Here are 5 tricks of the trade that every woman

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A-Simple-Guide-to-Poshmark-and-How-to-Make-Cash-Fast

A Simple Guide to Poshmark and How to Make Cash Fast

It started with brand new Kate Spade earrings that were too big for my ears and Cole Haan flats I had only worn once; I was unable to return both but wanted to get good money for them. I had plenty of other clothing items I liked but didn’t love, just holding on to them because they were still too good to give away. I did some research and came across Poshmark, an app where users can sell their clothing, shoes, and accessories. A frequent closet-purger but also a money-saver, I became hooked. Poshmark makes selling your items and getting paid easy. You can answer any questions within each item’s listing and barter with buyers if they decide to make an offer

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How to Quit Your Job With Class

How to Quit Your Job With Class

I had a job once with great income and opportunity, but I didn’t like it. Some of the people I worked with were really nice. The work benefitted seniors and I cared about them. But in just about every way, I was a square peg in a round hole and I wanted desperately to find a square hole. I talked myself into a new job with a man I had known for several years after running into him fortuitously one weekend. He had a manufacturing business for products that held absolutely no interest to me, but the job was in marketing and that was right up my alley. Plus, he was a really great guy; a good family man, smart, kind, and

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10 Ways to Be a Great Boss and How to Manage Your Team

10 Ways to Be a Great Boss and How to Manage Your Team

Congratulations! You finally made it! After all your hard work you have been awarded the opportunity to be a manager of other people, a boss. Now you can actually say “like a boss” and it’s genuine to who you are. Other men and women are going to look to you for answers, guidance, encouragement, and the occasional lecture on course correction. Whether it’s one or two people, or many people, you are their supervisor—they work for you. So what do you do now? Perhaps you’ve had great bosses in the past that have mentored you and now you feel confident that you can do the job. Maybe you had horrible bosses and want to do better than they did. But what does

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5 Tips for Careful Spending This Christmas

This time of year it’s easy to get caught up in the out-of-control Christmas shopping! Giving is a wonderful way to show your loved ones that you care, but this joyful season can turn into credit card panic when the January statement arrives. Whether you’re prone to purchasing obligatory gifts at your place of work, the “oh they always buy me a gift so I can’t forget them” or the “one more cute thing they would completely love and it’s on sale”—you need to take charge! Do these 5 things to make sure the snowball of spending doesn’t roll out of control: 1. Decide. Determine your budget while in the comfort of your non-pressured, no-great-sales-staring-you-in-the-face living room.  Decide how much you can spend on gifts this

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Do You Have to Like Your Job

Do You Have to Like Your Job?

So you have a job that you don’t like or don’t find fulfilling. Welcome to the club! Most of us have had more than one job that made us repeatedly lay our heads down on our desks and ask, “Why me?” It takes both grit and grace to endure circumstances like these! But after a series of jobs that occasionally had me question my worth, value, and purpose, I can look back and say with confidence that each one had merit. Each one led to something better. And yours will too, if you keep a positive attitude. It’s kind of like a pyramid, with the first not-so-great job at the top. It’s a small space up there and you might feel confined,

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The Truth in the Gender Pay Gap

I’m not sure about you, but I’m getting fairly weary of the angry women. The ones who seem to have a multi-tiered platform they are fighting for. Amidst the placard-carrying, strident-marching, hat-wearing, mic-grabbing females is a long list of items that they deem need to be changed. It makes me want to walk the other way or turn the channel. But just because they are capable of becoming tiresome (at least to me), it’s not to say they have nothing to be frustrated about. (Click here to read about what I think a strong woman really looks and sounds like.) I think there is one item in particular that is deserving of a little more inspection: equal pay for equal work. A

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5 Tips on Dealing With Sexual Harassment in the Workplace

In my various careers, spanning more years than I will share, I have worked with men. In fact, I have worked with far more men than women and, for the most part, have thoroughly enjoyed it. The majority of these guys have been great men who have treated me with the utmost respect, as I have them. Of course, there have been the others. As a fresh out of school 19-year-old I obtained the position of receptionist at a very influential law firm in the city I lived. Every attorney in that firm was a male, and they demonstrated every male attitude available. Some of the men treated me as their daughter or granddaughter, kindly, even excusing some of the rather creative

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woman holding several shopping bags who needs to learn how to stop mindless purchasing

Confessions of an Endcap Queen: How to Stop Mindless Purchasing

For years I was the “endcap” queen of America. An endcap, for those of you who don’t know, is the shelf space at the end of each aisle in almost every store in our nation. It’s the “this is an unbelievable deal” vortex that sucks busy women in when they are shopping in a hurry. It’s the place where retailers place the coolest stuff at the best prices. Really, can these buys be resisted? Not by me, at least for a time in my life. I didn’t know how to stop mindless purchasing. I mean, can we live without a portable chopper that works off batteries, cutting everything instantly into the appropriate-sized pieces? Only to get it home and find out what

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How to Discover Your “Why”

Sometimes I feel it would be easier to be a member of the animal kingdom rather than humankind. Despite the fact that animals aren’t allowed to wear clothing (in most cases) and have to forage for their food, they live each day without the pressure most humans feel to do something significant with their time on earth. Most days, I’m happy to be a part of a race that values doing good and changing their community, but with the earth so filled with needs, and so many humans gifted with various passions and abilities to use, there are days I wish I could move through on auto-pilot. Days I wish someone would grasp my chin and say, “this is your purpose in

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2 Simple Secrets to Long-Term Success

Success is harder than it’s ever been and actually easier than it’s ever been. I’m not sure I’ve met a person who doesn’t want to succeed. We might want to succeed at different things but whatever your standard of success may be, you’re desperate to achieve it. And yet many of us live with a gnawing ache of feeling unfulfilled… angst just below our carefully crafted exterior that torments us with fear of not succeeding. This is compounded by social media’s wonderful ability (insert sarcasm) to point out the success of every other human. It’s for this reason that I think success may be more difficult to achieve than ever before. We cannot focus on our own priorities and purpose because we’re

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Do I Have to Act Like a Man to Be Successful at Work?

Do I Have to Act Like a Man to Be Successful at Work?

Do you ever wonder if you will make career strides in the workplace as a woman? Is it necessary to compete as your male counterparts do, adopting the nature they exhibit in order to succeed? Do you have to act like a man to succeed at work? According to McKinsey & Company, studies on the impact that diversity of employees has in corporate America have shown surprising results. Corporations have achieved significant financial and productive gains to their companies when they are diverse. With racial, ethnical, and gender diversity they have achieved 15 to 35 percent more success. This type of workforce brings with it a range of talents, natures, and life experience. If we, as women, disguise our nature to emulate that of our male counterparts,

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