Work At Home Mums

Work At Home Mums

Work At Home Mums
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Work At Home Mums
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&lt;title&gt;Work At Home Mums&lt;/title&gt;
&lt;description&gt;Educating, encouraging and empowering mums&lt;/description&gt;
&lt;image&gt;&lt;/image&gt;&lt;title&gt;Work At Home Mums&lt;/title&gt;

&lt;title&gt;How To Save For Your Retirement&lt;/title&gt;
&lt;guid ispermalink=”false”&gt;;/guid&gt;
&lt;description&gt;&amp;lt;p&amp;gt;Did you know that if you retired today at 67 with $500,000 in your superannuation account and spent $50,000 per year on living expenses (the &amp;lt;a href=””&amp;gt;Australian average&amp;lt;/a&amp;gt; is actually $74,000), you would run out of money at 77 years old. That’s nearly 4 years before the average life expectancy if you’re a man and 8 years before it if you’re a female. Yikes.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Most people can expect to live into their eighties, so if you stop working in your mid to late sixties, you will need enough money in your superannuation and investments to survive for 20 years. Maybe even more. So, it pays to start thinking about how to save for your retirement to ensure you have enough money to survive comfortably.&amp;lt;/p&amp;gt;

&amp;lt;figure class=”wp-block-image size-large”&amp;gt;&amp;lt;img loading=”lazy” width=”1218″ height=”710″ src=”” alt class=”wp-image-89953″ srcset=” 1218w,×571.png 980w,×280.png 480w” sizes=”(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1218px, 100vw”&amp;gt;&amp;lt;/figure&amp;gt;

&amp;lt;p&amp;gt;Given people now in their thirties and forties might be retiring with a life expectancy into their nineties, Australians might need to explore other ways to boost their retirement nest egg.&amp;lt;/p&amp;gt;

&amp;lt;h2&amp;gt;Saving for your retirement&amp;lt;/h2&amp;gt;

&amp;lt;p&amp;gt;The rules of superannuation in Australia are complex and many. Which is why a lot of people tend to shy away from sorting out their super or thinking about what you need to do before retirement. But leaving your retirement plan to whatever superannuation company you have chosen can be risky, especially if you don’t monitor how much money you are expected to receive when you retire.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;But super isn’t the only option you have for your retirement. There are many other things you can do to help ensure you have enough money to live comfortably well after your retirement age.&amp;lt;/p&amp;gt;

&amp;lt;h3&amp;gt;Look at financial investments&amp;lt;/h3&amp;gt;

&amp;lt;p&amp;gt;The stock market can be a scary and confusing place, but there are ways you can venture into it and help your retirement plan without having to be constantly watching the market and picking stocks.&amp;lt;/p&amp;gt;&amp;lt;div class=”worka-content” id=”worka-1315446438″&amp;gt;
&amp;lt;ins class=”adsbygoogle” data-ad-client=”ca-pub-6472295354218158″ data-ad-slot=”4094939633″ data-ad-layout=”in-article” data-ad-format=”fluid”&amp;gt;&amp;lt;/ins&amp;gt;


&amp;lt;p&amp;gt;&amp;lt;a href=””&amp;gt;Managed funds&amp;lt;/a&amp;gt; are when a number of investors pool their money together to enable them to invest in various assets. This fund is invested and controlled by a professional investment manager. When you invest in a managed fund you are given a number of ‘units’ of the fund depending on how much you invested. These units will go up and down in value depending on the total performance of the managed fund.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Managed funds offer you an opportunity to invest in assets such as stocks on the stock market without having to really know the ins and outs of how it all works. The fund is managed by a professional who should have access to knowledge, experience, information and research on the assets they are investing in, making it a less stress option for the individual investor.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Managed funds also make it easier to diversify your portfolio of investments. As the fund is pooling money together from many investors, they are able to purchase many assets that wouldn’t be available or affordable to the regular single investor.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Managed funds can cover a variety of assets including cash management trusts, property, shares, film schemes, agribusiness schemes and many more. It pays to do your research and look at the performance of the manager or fund before you invest.&amp;lt;/p&amp;gt;

&amp;lt;h3&amp;gt;Pay off your mortgage ASAP&amp;lt;/h3&amp;gt;

&amp;lt;p&amp;gt;The mortgage on your house is generally the biggest single living expense most people have. Therefore you really want to make sure that you no longer have a mortgage when you retire. Not only that, but being mortgage free early frees up a whole lot of cash that you can use in your day to day life or to charge up your retirement savings.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;With interest rates at their lowest point ever, right now is a fantastic time to put as much into your mortgage as possible. If you had a home loan of $500,000 at 3.5% interest over 25 years, you would pay over $150,000 in interest over the life of the loan. That’s a lot of money.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;But if you were able to pay just $200 extra in repayments per month, you could reduce the time it takes you to pay of the mortgage but nearly 3 years and save over $31,000 in interest. If you could manage to pay an extra $1000 per month over your repayment, you’d have the loan paid off 9 and a half years early and save a whopping $100,000 in interest payments.&amp;lt;/p&amp;gt;

&amp;lt;div class=”wp-block-columns”&amp;gt;
&amp;lt;div class=”wp-block-column”&amp;gt;
&amp;lt;div class=”wp-block-image”&amp;gt;&amp;lt;figure class=”aligncenter size-large”&amp;gt;&amp;lt;img loading=”lazy” width=”720″ height=”716″ src=”” alt class=”wp-image-89954″ srcset=” 720w,×477.png 480w” sizes=”(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 720px, 100vw”&amp;gt;&amp;lt;figcaption&amp;gt;$200 per month extra repayment&amp;lt;/figcaption&amp;gt;&amp;lt;/figure&amp;gt;&amp;lt;/div&amp;gt;

&amp;lt;div class=”wp-block-column”&amp;gt;
&amp;lt;div class=”wp-block-image”&amp;gt;&amp;lt;figure class=”aligncenter size-large”&amp;gt;&amp;lt;img loading=”lazy” width=”716″ height=”711″ src=”” alt class=”wp-image-89955″ srcset=” 716w,×477.png 480w” sizes=”(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 716px, 100vw”&amp;gt;&amp;lt;figcaption&amp;gt;$1000 per month extra repayment&amp;lt;/figcaption&amp;gt;&amp;lt;/figure&amp;gt;&amp;lt;/div&amp;gt;

&amp;lt;p&amp;gt;Obviously, these amount vary wildly depending on your interest rates at the time, but this quick (and very simplified) example shows how much better off you can be if you can add a bit of extra money into your mortgage each month.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;And if you are worried about the fact that once the money is in your home loan you can no longer access it, then get a loan with an offset function and put as much money as you can into that. An offset has the effect of reducing your interest repayments each month (depending on how much money is in the offset account), while still giving you access to the money if needed.&amp;lt;/p&amp;gt;

&amp;lt;h3&amp;gt;Open a high interest savings account&amp;lt;/h3&amp;gt;

&amp;lt;p&amp;gt;Granted, this isn’t a great strategy when interest rates are at all time lows, but if you want a way to access your money easily in case of emergency while still saving for retirement this could be a way to go. Look around for the best deals and look carefully at interest rates, as the highest interest can usually be found if you are depositing money only and not withdrawing.&amp;lt;/p&amp;gt;&amp;lt;div class=”worka-2nd-article-ad” id=”worka-187976958″&amp;gt;
&amp;lt;ins class=”adsbygoogle” data-ad-client=”ca-pub-6472295354218158″ data-ad-slot=”4094939633″ data-ad-layout=”in-article” data-ad-format=”fluid”&amp;gt;&amp;lt;/ins&amp;gt;


&amp;lt;p&amp;gt;If you are serious about increasing your retirement fund, then you can probably afford to deposit a small amount of your pay into a high interest savings account. Choose an option with no fees that pays interest on a monthly basis and the compound interest accumulation will grow significantly over time.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Be sure to add any extra funds such as tax returns and annual bonuses to your savings account as well. The short-term loss to your everyday income might be hard to swallow at first, but you will be rewarded for a long-term outlook with sizeable retirement savings.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Also, remember the earlier in life you open up a high interest savings account the more benefit you will receive with an advantageous future position.&amp;lt;/p&amp;gt;

&amp;lt;h3&amp;gt;Sacrifice some salary to increase your superannuation&amp;lt;/h3&amp;gt;

&amp;lt;p&amp;gt;Along with, or instead of, a high interest savings account, you could always sacrifice more salary to boost your superannuation. If you work full-time, your employer will already be contributing a percentage of your salary, but you can salary sacrifice more money into your super before tax, or add to it directly after tax.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;You can organise with your employer to salary sacrifice super contributions from your pay before tax is taken out. These contributions will be taxed at a rate of 15% rather than your marginal tax rate so can be a cost-effective solution for adding more money into your superannuation account. However, these contributions will be added to the amount your employer has contributed and be counted towards your concessional contributions cap, which means the amount that your employer contributes and your salary sacrifice contributions added together cannot exceed $25,000 per year.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;The other option to add to your superannuation account is by putting in personal contributions. This is money you contribute after tax has already been taken out. This is considered a non-concessional contribution. The amount you can put in depends on your circumstances but is generally up to $100,000 per year.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;You can find more information about contributing extra money into your super by heading to the &amp;lt;a href=””&amp;gt;ATO website&amp;lt;/a&amp;gt;.&amp;lt;/p&amp;gt;

&amp;lt;h3&amp;gt;Look for rewards programs&amp;lt;/h3&amp;gt;

&amp;lt;p&amp;gt;You spend a lot on shopping. Groceries, clothes, birthday presents for the 100 birthday parties your kids get invited to. So why not use it to your advantage by finding a program that rewards your shopping and puts it towards your super. Programs like &amp;lt;a href=”;amp;amp;utm_campaign=wahm_blogpost”&amp;gt;Super Rewards&amp;lt;/a&amp;gt; put a percentage of what you spend shopping online straight into your super account. This is a great way to add into your super without actually spending anything extra than what you would normally do.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;You just need to sign up for an account and then go through their links to the various retailers that they have available. There’s over 300 retailers on their program including Best and Less, The Good Guys and even Woolworths. There’s even a chrome extension available so you never miss a chance to get rewards. With an average of 5% cashback into your super that’s a lot you could be contributing without having to do very much. It’s a great way to &amp;lt;a href=””&amp;gt;super charge your super&amp;lt;/a&amp;gt;.&amp;lt;/p&amp;gt;&amp;lt;div class=”worka-3rd-placement-ad” id=”worka-234148494″&amp;gt;
&amp;lt;ins class=”adsbygoogle” data-ad-client=”ca-pub-6472295354218158″ data-ad-slot=”4094939633″ data-ad-layout=”in-article” data-ad-format=”fluid”&amp;gt;&amp;lt;/ins&amp;gt;


&amp;lt;p&amp;gt;Retirement might seem a long way off for you right now, but life moves so quickly. If you can plan how you are going to save for your retirement now it doesn’t matter what age you are now, you will be better off in the future.&amp;lt;/p&amp;gt;


&amp;lt;p&amp;gt;&amp;lt;em&amp;gt;This information is general advice and does not take account of the individual’s objectives, financial situation or needs. Before acting on this general advice, individuals should therefore consider the appropriateness of the advice having regard to their objectives, financial situation or needs. The content of this website has been prepared for informational purposes only and is not intended to amount to financial product advice or a recommendation.&amp;lt;/em&amp;gt;&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;&amp;lt;strong&amp;gt;Sources for data:&amp;lt;/strong&amp;gt;&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;&amp;lt;a href=””&amp;gt;Moneysmart Pension Calculator&amp;lt;/a&amp;gt;&amp;lt;br&amp;gt;&amp;lt;a href=””&amp;gt;The World Bank Life Expectancy Australia&amp;lt;/a&amp;gt;&amp;lt;br&amp;gt;&amp;lt;a href=””&amp;gt;Moneysmart Australian Spending Habits&amp;lt;/a&amp;gt;&amp;lt;br&amp;gt;&amp;lt;a href=””&amp;gt;ING Home Loan Calculators&amp;lt;/a&amp;gt;&amp;lt;/p&amp;gt;
&amp;lt;p class=”dpsp-share-text dpsp-hide-on-mobile”&amp;gt;Sharing is caring!&amp;lt;/p&amp;gt;&amp;lt;div class=”worka-after-content” id=”worka-1449629946″&amp;gt;
&amp;lt;ins class=”adsbygoogle” data-ad-client=”ca-pub-6472295354218158″ data-ad-slot=”4094939633″ data-ad-format=”auto”&amp;gt;&amp;lt;/ins&amp;gt;

&amp;lt;/div&amp;gt; &amp;lt;p&amp;gt;&amp;lt;strong&amp;gt;&amp;lt;a href=””&amp;gt;&amp;lt;/a&amp;gt;&amp;lt;/strong&amp;gt; &amp;lt;a href=””&amp;gt;(Why?)&amp;lt;/a&amp;gt;&amp;lt;/p&amp;gt;&lt;/description&gt;
&lt;pubdate&gt;Thu, 25 Mar 2021 04:18:07 +0000&lt;/pubdate&gt;
&lt;category&gt;saving for retirement&lt;/category&gt;
&lt;title&gt;How to write a great cover letter&lt;/title&gt;
&lt;guid ispermalink=”false”&gt;;/guid&gt;
&lt;description&gt;&amp;lt;p&amp;gt;No one likes the obligatory cover letter rigmarole, probably none more than the employers who read these words sometimes hundreds of times just for a single opening. Applicants and employers alike generally aren’t too fond of the usual cover letter snooze-fest.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Writing a great cover letter comes down to matching your suitability for the job against the advertised job criteria, while injecting your voice and personality. Your cover letter is the place to talk about all the things that don’t fit within the confines of your resume and is your opportunity to let your personality and attributes support your application.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Cover letters should be short, unless there are lengthy selection criteria that can’t be covered in a single page, in which case it is more than acceptable to go a bit longer to make sure you’ve covered everything. You don’t want to let it waffle, but there are definitely things you should be putting in your cover letter.&amp;lt;/p&amp;gt;

&amp;lt;h2&amp;gt;What to put in your cover letter&amp;lt;/h2&amp;gt;

&amp;lt;p&amp;gt;Sometimes it can be confusing what to actually put into your cover letter. A lot of people don’t really know what to write so just use it to repeat what is in their resume, which makes their cover letter essentially redundant. Don’t waste this opportunity by just repeating what you’re already telling them in your resume.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Your cover letter should be used to highlight your suitability for a role, matching yourself against any selection criteria or requirements listed in the job advertisement. Your cover letter should:&amp;lt;/p&amp;gt;

&amp;lt;ul&amp;gt;&amp;lt;li&amp;gt;Address an actual person or department. Where possible find out who to address your application to – don’t just write to whom it may concern. If it’s not in the job ad, a quick google search or phone call to the company may help and show you’ve done your homework. If you absolutely cannot get hold of a contact at the company, address your letter to ‘Hiring Manager’ if applying to a small business, or ‘Recruitment / Human Resources Department’ to large companies to ensure it ends up in the inbox of a hiring manager.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Highlight your transferrable and relevant skills and expertise, using keywords that appear in the job advertisement.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Elaborate on any achievements, specific skills sets or relevant experience that are in your resume that are &amp;lt;em&amp;gt;directly relevant&amp;lt;/em&amp;gt; to the job, employer or industry you’re applying to. You may choose to pick one contribution or achievement that would really speak to the employer or directly relates to the role you’re applying for, or briefly summarise a few of your accomplishments from throughout your career.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Share a story or connection about the role, employer or industry. For example, why you choose to work in a particular field, or what excited you about the potential to work for the employer.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Where it’s appropriate, share&amp;amp;nbsp;stories from your personal life that support the role you’re applying for. For example, if you’re applying for a travel agent position and you’re extensively travelled—tell them where you’ve been and some of the adventures you’ve been on (sans Contiki partying anecdotes).&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Be short and sweet, generally around 1 page, unless you are applying for a role that has a lengthy selection criteria.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Use dot points. You don’t need to write long rambling paragraphs on things in your cover letter (it’s not an English exam). Especially if you have a lot of selection criteria to highlight.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Use your cover letter to let your personality shine through. Resumes are usually dry and boring, but a cover letter can allow you to add a bit of personality, just make sure you do it in a professional way. The hiring manager will thank you for saving them from the general “To Whom It May Concern, I wish to apply for the position of… bla bla bla blaaaaaaa”.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Close your letter by asking for the interview. You don’t need to be pushy, but let them know you welcome them to contact you for more information or an interview.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Always thank them for their time and consideration.&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;div class=”wp-block-image”&amp;gt;&amp;lt;figure class=”aligncenter size-large is-resized”&amp;gt;&amp;lt;img loading=”lazy” src=”” alt=”Writing a good cover letter” class=”wp-image-80377″ width=”404″ height=”323″ srcset=” 1550w,×408.jpg 510w,×160.jpg 200w,×614.jpg 768w” sizes=”(max-width: 404px) 100vw, 404px”&amp;gt;&amp;lt;/figure&amp;gt;&amp;lt;/div&amp;gt;

&amp;lt;h3&amp;gt;What &amp;lt;em&amp;gt;not&amp;lt;/em&amp;gt; to put in your cover letter&amp;lt;/h3&amp;gt;

&amp;lt;p&amp;gt;When writing a cover letter make sure you are not:&amp;lt;/p&amp;gt;&amp;lt;div class=”worka-content” id=”worka-2120833501″&amp;gt;
&amp;lt;ins class=”adsbygoogle” data-ad-client=”ca-pub-6472295354218158″ data-ad-slot=”4094939633″ data-ad-layout=”in-article” data-ad-format=”fluid”&amp;gt;&amp;lt;/ins&amp;gt;


&amp;lt;ul&amp;gt;&amp;lt;li&amp;gt;Just repeating what was written in your resume. Sure, you can use some of it to highlight specific roles or stories that are applicable to the role you are applying for but make sure you’re not just repeating everything you’ve written in your resume. Just highlight specific skills and experience in your cover letter that makes the reader think you would be good for the job and that it is worth reading your resume in full.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Discussing gaps in your work history in depth. Yes, you can put in a brief sentence about any gaps in your resume, but you don’t need to divulge extensive personal information about your work gap. There is one exception to this rule, and that is if the experience you had is directly related to the role or industry you are applying for. Eg. you are applying for aged care and have just had 2 years caring for your elderly parent or someone with dementia. This is a personal story that is relevant for the line of work you are trying to secure.&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Starting every sentence with I/my. Switch your language from being about you to being about your future employer. It should be about the employer and role you are applying for and what you can contribute to their workplace.&amp;lt;br&amp;gt;For example if it’s a part time position that you want due to school hours you may be tempted to write “This job is an ideal fit for me because the part-time school hours works great for my family”. Employers usually don’t care how the job fits you they want to know if you can fit into their company so word it more like “I am willing and available to accommodate the work days and hours required for this role.”&amp;lt;/li&amp;gt;&amp;lt;li&amp;gt;Sounding desperate for any job. Employers don’t want to hire people who simply seem desperate for any job, a paycheck; they want to hire people who are vested in working with them.&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;You might be wondering how you’re going to do all of this in a one page cover letter. Well, don’t go overboard on it! You don’t need to do all of these things. Just pick the most relevant options that will help you connect with the company, role and the best for that specific job opening.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;What you choose to write on your cover letter may change with each application. In fact it actually should change. Each role and company you are applying for will be different and so your cover letter should be different too. Slight changes that personalise the letter to the specific job will give you a much higher success rate. It might take a bit more time, but do some research on each company to see if you can add something in that shows you have put in the effort.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;If you’re still feeling overwhelmed or don’t know your soft skills from your soft serve (one is personal and the other is delicious by the way) then you might find it helpful to go though our &amp;lt;a href=””&amp;gt;Resume Writing for Return to Work Program&amp;lt;/a&amp;gt; – designed for people with a resume gap, but will help anyone to write the perfect resume and cover letter to get the job you want.&amp;lt;/p&amp;gt;

&amp;lt;h4&amp;gt;You might also like&amp;lt;/h4&amp;gt;

&amp;lt;p&amp;gt;&amp;lt;a href=””&amp;gt;Resume Tips for Return to Work Mums&amp;lt;/a&amp;gt;&amp;lt;br&amp;gt;&amp;lt;a href=””&amp;gt;Interview Tips for Mums Returning to Work&amp;lt;/a&amp;gt;&amp;lt;br&amp;gt;&amp;lt;a href=””&amp;gt;How to Explain an Employment Gap in your Resume&amp;lt;/a&amp;gt;&amp;lt;/p&amp;gt;
&amp;lt;p class=”dpsp-share-text dpsp-hide-on-mobile”&amp;gt;Sharing is caring!&amp;lt;/p&amp;gt;&amp;lt;div class=”worka-after-content” id=”worka-2032402890″&amp;gt;
&amp;lt;ins class=”adsbygoogle” data-ad-client=”ca-pub-6472295354218158″ data-ad-slot=”4094939633″ data-ad-format=”auto”&amp;gt;&amp;lt;/ins&amp;gt;

&amp;lt;/div&amp;gt; &amp;lt;p&amp;gt;&amp;lt;strong&amp;gt;&amp;lt;a href=””&amp;gt;&amp;lt;/a&amp;gt;&amp;lt;/strong&amp;gt; &amp;lt;a href=””&amp;gt;(Why?)&amp;lt;/a&amp;gt;&amp;lt;/p&amp;gt;&lt;/description&gt;
&lt;pubdate&gt;Fri, 05 Mar 2021 02:54:54 +0000&lt;/pubdate&gt;
&lt;category&gt;Job Search&lt;/category&gt;
&lt;category&gt;Returning to Work&lt;/category&gt;
&lt;title&gt;How to Achieve a Work Life Balance as a Parent&lt;/title&gt;
&lt;guid ispermalink=”false”&gt;;/guid&gt;
&lt;description&gt;&amp;lt;p&amp;gt;When you’re a parent that has gone back to work, whether that be full time, part time, working from home or in an office, work can very easily take over your life. It’s important to not become overwhelmed and be able to strike a work life balance.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;There are many benefits to keeping a good work life balance including reduced stress levels, higher job satisfaction, being able to enjoy and participate in family and social life, more time for personal hobbies and better health.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;For parents it can seem hard to find a balance that suits your work, yourself and your family. For work at home parents, it can seem even harder to find that balance because you are constantly engrossed by all three, all the time. It can be achieved, but you may need to make some changes and set some boundaries.&amp;lt;/p&amp;gt;

&amp;lt;h2&amp;gt;Achieving a work life balance&amp;lt;/h2&amp;gt;

&amp;lt;p&amp;gt;A great analogy I’ve heard is to consider everything in life as a ball. Work, kids, partners, family, friends, everything in your life is one ball. It’s very hard to catch all those balls as once, and if you try, you’ll end up dropping them all. Sometimes you have to put a few balls down in order to catch the most important one. That doesn’t mean that the other balls aren’t important, they’re just not the most important one RIGHT NOW.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Maybe you have a deadline at work that makes that ball the one to concentrate on, or you child has something on at school that puts that ball ahead, or it’s your best friends’ birthday and you haven’t seen them in the last few months. Work life balance is achieved when you can prioritise the most important balls and put the other ones on the ground to be picked up later and not feel guilty about it. Stop trying to juggle them all at once and realise that if you are, they’ll all end up crashing on the ground.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;To achieve a healthy work life balance, you just have to know where to start and how to identify when you’re going off course, so you can pull yourself back in line and continue enjoying life to the fullest. So here are some tips on how to achieve a healthy work life balance as a parent.&amp;lt;/p&amp;gt;&amp;lt;div class=”worka-content” id=”worka-1138263383″&amp;gt;
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&amp;lt;ul type=”1″&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Set realistic boundaries&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;&amp;lt;strong&amp;gt;Decide WHEN you will be working.&amp;lt;/strong&amp;gt;&amp;lt;strong&amp;gt;&amp;amp;nbsp;&amp;lt;/strong&amp;gt;The only way that a balance can be maintained is through setting, and sticking to, boundaries that work for you and your family. If you have a set schedule from work, that will make it easier to know when your working and non-working hours are. If you don’t, then talk to your boss about any family needs you have to make sure these don’t overlap.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;If you’re self-employed, choose what hours you wish to work.&amp;amp;nbsp; This could look like the number of hours you work or the times during the day that you work. You may need to work around nap time or school time or you may need to work in the evenings to accommodate everyone. Ensuring that all parties (kids &amp;lt;em&amp;gt;and&amp;lt;/em&amp;gt; partner) know when your work times are will set those clear boundaries and keep guilt at bay.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;When you set boundaries around your work schedule, also ensure that you set time aside for you – you need to have a break from work and family every day. This time includes eating breaks and breaks to rest your mind and your body.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Remember work is work and leave it as such. When you’re spending time on hobbies or with family, leave your work behind and concentrate on the enjoyment of what you are currently doing. You’ll also be more able to focus on work while you are doing it if you can separate work and personal in your mind.&amp;lt;/p&amp;gt;

&amp;lt;ul&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Work with your boss for flexibility&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;Be upfront with your boss about what you can do, so then your boss will have his/her expectations spot on from the get go.&amp;amp;nbsp; Keep your promises, and if you have any problems at all keeping up with things, let your boss know right away.&amp;amp;nbsp; By being open and honest with your boss, you’ll find your boss to afford you the flexibility you need, when you need it.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;You may even find that you can approach your workplace about working from home. There are many reasons this can be a good idea, and the no commute can go a long way to helping work life balance. &amp;lt;a href=””&amp;gt;How to get your employer to allow you to work from home&amp;lt;/a&amp;gt; gives you a starting point for having that conversation.&amp;lt;/p&amp;gt;

&amp;lt;ul&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Prioritise and set goals&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;Remember the ball analogy earlier? Prioritise what is most important right now and achieve that. This will change every month, week or even day. Sometimes the priority will be work, other times family, friends or yourself.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Obviously sometimes there are commitments that you have to adhere to but if you prioritise what you value the most it will go a long way to having a feeling of contentment in what you are doing.&amp;lt;/p&amp;gt;

&amp;lt;ul&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Keep weekends (or your time off) free for family&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;During the week, it really can be like a never-ending merry-go-round – and one that gets faster and faster.&amp;amp;nbsp; So keep your time off free for your family or friends, and for doing those chores around the house so you’re not stressed about them after work.&amp;lt;/p&amp;gt;

&amp;lt;ul&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Make your partner do stuff&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;We aren’t doing these in importance order, but I feel like if we were this should be at number one!&amp;lt;/p&amp;gt;&amp;lt;div class=”worka-2nd-article-ad” id=”worka-494800184″&amp;gt;
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&amp;lt;p&amp;gt;As a society, even full time working mothers tend to shoulder the majority of the household organisation, even if not always the actual doing. When you’re a stay at home mum, &amp;lt;em&amp;gt;everything&amp;lt;/em&amp;gt; regarding the home and kids tends to be lumped onto your shoulders, and this tends to just continue when you go back to work.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;If you are deciding to head back to work, make sure your partner (if you have one) understands that they need to shoulder some of the responsibility. And this doesn’t just mean doing a bit more housework, or cooking some nights, but the organisational baggage as well (otherwise known as the mental load), such as organising what the kids need for the week ahead, where everyone needs to be, meal planning, etc etc.&amp;lt;/p&amp;gt;

&amp;lt;ul&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Spot clean only during the week&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;We all like a tidy house, but don’t put yourself through the stress during the week of doing a major clean and tidy.&amp;amp;nbsp; Just spot clean where needed, so you can maintain the tidiness of your home, and only do major clean-ups as needed when you have the time. And make sure your partner and kids are tidying up too – if they live in the house they can keep it clean.&amp;lt;/p&amp;gt;

&amp;lt;ul&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Outsource if you can&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;If you are able to, look into outsourcing things like cleaning to a professional.&amp;amp;nbsp; Help is available in every area, and you can also get help when it comes to baby-sitting, gardening – even cooking.&amp;lt;/p&amp;gt;

&amp;lt;div class=”wp-block-image”&amp;gt;&amp;lt;figure class=”aligncenter size-large is-resized”&amp;gt;&amp;lt;img loading=”lazy” src=”” alt=”work life balance as a parent” class=”wp-image-17062″ width=”416″ height=”207″ srcset=” 2000w,×255.jpg 510w,×100.jpg 200w” sizes=”(max-width: 416px) 100vw, 416px”&amp;gt;&amp;lt;/figure&amp;gt;&amp;lt;/div&amp;gt;

&amp;lt;ul&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Create a task list for each day&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;When you’re working, create a task list for each day.&amp;amp;nbsp; Do the most important, pressing tasks first.&amp;amp;nbsp; Also, avoid falling into the trap of leaving the difficult, dreaded tasks until later in the day.&amp;amp;nbsp; Tackle them first thing and use the momentum created by completing that task, to work through the remaining tasks for the day.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;If you’ve finished your most pressing work first, this also goes a long way to you being able to finish work at your designated time, rather then needing to stay to get something done.&amp;lt;/p&amp;gt;

&amp;lt;ul&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Don’t be so hard on yourself&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;As a working parent, don’t be too hard on yourself and know that your task lists, and work routine are flexible.&amp;amp;nbsp; Do your best, and let the little things slide.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;It’s a big deal adjusting to being back at work, particularly after your first child, so if you’re finding it all a bit challenging don’t worry it will get easier.&amp;lt;/p&amp;gt;

&amp;lt;ul type=”1″&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Identify your stress triggers&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;Stress is something that we all deal with at some point in our lives and it can often creep up on us without us realising, until our hearts race or our blood boils, and then it’s too late.&amp;lt;/p&amp;gt;&amp;lt;div class=”worka-3rd-placement-ad” id=”worka-365916018″&amp;gt;
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&amp;lt;p&amp;gt;Working parents often find themselves dealing with a myriad of stress-inducing situations and work at home parents even more so. Whether it’s dealing with a business call while your toddler refuses to eat their lunch or trying to meet a tight deadline on next to no sleep.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;And because by their very nature, work at home mums are usually at home, they may find themselves playing the role of worker, carer, and cleaner. And if there’s one thing that can bring on a stress attack, it’s a messy house merely hours after you’ve cleaned it.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Once you’ve identified your stress triggers, do what you can to release the stress in safe and healthy ways – spend time outdoors, move your body, reflect. Make time for yourself to destress and work on strategies to return to a balanced state of mind.&amp;lt;/p&amp;gt;

&amp;lt;ul type=”1″&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Take time out for you&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;A healthy work life balance is hard to maintain if you find that you are constantly looking out for other people – your clients, your boss, your colleagues, your children, your partner – and never considering your own needs and wants.&amp;lt;/p&amp;gt;

&amp;lt;div class=”wp-block-media-text alignwide is-stacked-on-mobile”&amp;gt;&amp;lt;figure class=”wp-block-media-text__media”&amp;gt;&amp;lt;img loading=”lazy” width=”1379″ height=”2068″ src=”” alt=”achieve work life balance” class=”wp-image-85978 size-full” srcset=” 1379w,×765.jpg 510w,×200.jpg 133w,×1152.jpg 768w,×1620.jpg 1080w,×225.jpg 150w,×500.jpg 333w” sizes=”(max-width: 1379px) 100vw, 1379px”&amp;gt;&amp;lt;/figure&amp;gt;&amp;lt;div class=”wp-block-media-text__content”&amp;gt;
&amp;lt;p&amp;gt;Yes, there are times when you need to put yourself second to get through all the things that need to be done. And in the same way, there are times when you need to give yourself permission to put yourself first.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Do you have a hobby? Do you turn off your device? Do you spend time away from the children? Do you ever just sit in silence and breath? Set aside an hour or so a day just for you.&amp;amp;nbsp; It could be a nice hot bath or a meditation, or just reading a book.&amp;amp;nbsp; This way, you can rest, relax and recharge.&amp;amp;nbsp; It will work wonders for stress as well.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Mums are wonderful at getting things done and looking after everyone else. They’re also notorious for feeling guilty whenever they put themselves first. It’s a habit that can be difficult to change, but it needs to happen if you are committed to finding a happy work life balance.&amp;lt;/p&amp;gt;

&amp;lt;ul type=”1″&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Maintain health and fitness&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;Eat right and exercise daily!&amp;amp;nbsp; Even something as simple as a 20 minute walk can work wonders for your health and your well being. Exercise also produces endorphins and serotonin which are hormones that help boost your mood and overall sense of wellbeing.&amp;lt;/p&amp;gt;

&amp;lt;ul type=”1″&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Create a really good support network for yourself&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;Friends and family are really important in helping you achieve work life balance, so create a good support network around you – a group of people you can call on for help and share your vents with.&amp;amp;nbsp;By being connected with others, stressful situations aren’t so stressful anymore.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;And remember to ask for help when you need it. No one can do everything!&amp;lt;/p&amp;gt;

&amp;lt;ul type=”1″&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Enjoy what you do&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;You’ll be less stressed if you are doing a job you love. Whether that’s going to work out of the home, working from home or running your own business, find something you are happy to do.&amp;lt;/p&amp;gt;

&amp;lt;ul type=”1″&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Find time for your finances&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;A major stress point in life can be your finances. Make time to ensure that you know what money you have coming in and going out. If you need to, work out &amp;lt;a href=””&amp;gt;how to create and stick to a budget&amp;lt;/a&amp;gt; so that you’re not stressed about where you are going to get the money for your next bill. If you know what’s going on with your money, you can concentrate more on the other things in life.&amp;lt;/p&amp;gt;

&amp;lt;ul type=”1″&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Learn to recognise fatigue and burnout&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;Try your best to recognise and avoid fatigue and burn out. Believe me, no part of your life will work effectively or have any enjoyment if you are burnt out and over stressed. If you can recognise the signs and respond and take some time for yourself, you will be the better for it.&amp;lt;/p&amp;gt;

&amp;lt;ul type=”1″&amp;gt;&amp;lt;li&amp;gt;&amp;lt;strong&amp;gt;Remember happiness is everything&amp;lt;/strong&amp;gt;&amp;lt;/li&amp;gt;&amp;lt;/ul&amp;gt;

&amp;lt;p&amp;gt;Sure it’s nice to have material things and luxuries, but at the end of the day your happiness and that of your family is paramount.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Return to work mums is a phrase that seems to conjure up judgement in some circles for a strange reason, especially if you’ve ever been on an internet parenting forum. Some people believe that you can’t have a successful career or business and be a good parent/partner/friend etc. I believe it comes down to successful work and life integration.&amp;lt;/p&amp;gt;&amp;lt;div class=”worka-4th-article-ad” id=”worka-1400536344″&amp;gt;
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&amp;lt;p&amp;gt;Remember, like most things, work life balance is subjective and different for everyone. While someone might want flexibility in work hours to allow for family, to someone else it may just mean being able to leave their work at work. The key is finding what it would mean to you and figure out ways to reduce life’s stressors so you can feel happy and content, and not pulled between your work and life.&amp;lt;/p&amp;gt;

&amp;lt;h2&amp;gt;Dealing with working mum guilt&amp;lt;/h2&amp;gt;

&amp;lt;p&amp;gt;After a period at home looking after children, there often comes a time when a mother may consider seeking outside employment. Whether this decision is based on finances, wanting to further your career, the need for external stimulation or simply because the youngest child has become more independent, it is an adjustment between the working life you had before children versus after them.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Often mothers feel extreme guilt when returning to work. There’s still a small, but pretty vocal, section of society which thinks mums shouldn’t work and if they do, they are doing it so they can buy pretty handbags and be ruthless career women. Add that to the enduring society norms of “it’s a mother’s job to look after her children” and that’s a lot of guilt piled on.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;These working women don’t feel bad because they are doing something bad. They feel bad because society can be very mean to women sometimes. Ask a stay at home mum how much respect she receives and you’ll see this meanness is actually pretty universal whether you work or not.&amp;lt;/p&amp;gt;

&amp;lt;div class=”wp-block-image”&amp;gt;&amp;lt;figure class=”aligncenter size-large”&amp;gt;&amp;lt;img loading=”lazy” width=”250″ height=”260″ src=”” alt=”Dealing with working mum guilt” class=”wp-image-4925″ srcset=” 250w,×200.jpg 192w” sizes=”(max-width: 250px) 100vw, 250px”&amp;gt;&amp;lt;/figure&amp;gt;&amp;lt;/div&amp;gt;

&amp;lt;p&amp;gt;The best way to deal with this working mothers guilt is to address it head on.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;You &amp;lt;em&amp;gt;are&amp;lt;/em&amp;gt; doing the mother’s job of looking after your children. You are earning money to feed, clothe and educate them. You are teaching them that you can have a fulfilling career and be a loving parent at the same time.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Some mums don’t feel guilty when they return to work. Some mums realise early on that stay at home mothering isn’t for them and recognise they will be a much better mum when they have a balance.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;So then, they feel guilty for not feeling guilty. They feel like the working mums have to say how guilty they feel to each other and indulge in the mutual sympathy that brings. Saying you don’t feel guilt – which is actually a great thing – is a bit of an anomaly, and those mums can worry that it doesn’t go down well.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;It is important not to listen to anyone who is being unsupportive or judgemental.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Remember that feeling guilty does no good. No matter what you do as a parent these days, someone will always think its the wrong option. If you are doing what is best for you and your family, it will make for a happy and less stressed mum in the long run.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;If you’re organised and scheduling family time, you have nothing to feel guilty about, so just leave the guilt behind and enjoy the balancing act! Always remember the big picture and don’t get so bogged down in day-to-day details that you can’t take time to enjoy life.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;So in summary: there’s the guilt for working.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Then there’s the guilt for not feeling guilty for working.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;There’s the raw ache of looking at your child and just longing for a day of cuddles on the couch instead of the daycare run, work and pickup.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;There’s the fact that, actually, you love your job and often look forward to going there, and the guilt that comes with that.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;Then, finally, there is the realisation that regardless of what you do, you will all be fine. Your children, simply by virtue of being born in this country to parents who care enough to read articles like this one, are amongst the most privileged on the planet.&amp;lt;/p&amp;gt;

&amp;lt;p&amp;gt;And, regardless of what you do, they’ll still blame you for everything when they are teenagers. And thank you for everything when they are adults. (Hopefully.)&amp;lt;/p&amp;gt;
&amp;lt;p class=”dpsp-share-text dpsp-hide-on-mobile”&amp;gt;Sharing is caring!&amp;lt;/p&amp;gt;&amp;lt;div class=”worka-after-content” id=”worka-2139701417″&amp;gt;
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&amp;lt;/div&amp;gt; &amp;lt;p&amp;gt;&amp;lt;strong&amp;gt;&amp;lt;a href=””&amp;gt;&amp;lt;/a&amp;gt;&amp;lt;/strong&amp;gt; &amp;lt;a href=””&amp;gt;(Why?)&amp;lt;/a&amp;gt;&amp;lt;/p&amp;gt;&lt;/description&gt;
&lt;pubdate&gt;Wed, 24 Feb 2021 23:56:35 +0000&lt;/pubdate&gt;
&lt;category&gt;Work At Home&lt;/category&gt;
&lt;category&gt;Work Life Balance&lt;/category&gt;
&lt;category&gt;Working From Home&lt;/category&gt;
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</rss><body id=”readabilityBody”></body><p><strong><a href=””></a></strong> <a href=””>(Why?)</a></p>

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