It’s the most wonderful time of the year! As the work year comes to a close, our days are filled with projects to finish, next year’s goals and budgets to create, and too many goodies in the breakroom. Many of us are counting the days until we can take some much-needed PTO to recharge and enjoy the holidays with our friends and families.
Meanwhile, business owners and managers are facing their own crunch time, worrying about how to make those annual holiday bonuses, figuring out next year’s plan, and longing for some time off of their own. Far too many business owners and managers spend holiday time playing catch-up and preparing for the new year, instead of taking much-needed down time of their own.
So, how can everyone work together to prepare for holiday PTO that can be enjoyed by all? Here are 3 ways to get ready for some holiday season ‘me’ time.
1. Pitch In
As you complete your projects, instead of using the countdown time to do menial tasks or check your social media a few more times, consider asking your coworkers or boss how you can be helpful to them. Not only does such an offer earn you points with the boss, it’s just another way to spread some holiday cheer. Even better? A relaxed and rested boss is a happier one.
2. Defer to Next Year
Are end-of-year projects creating stress? Don’t have enough time to rid your desk of unnecessary paper or your email inbox of unnecessary messages? Stop and take a breath. Write a list of must-do’s between now and your PTO date. Focus only on those assignments that are necessary and defer all else to next year. Help your boss and coworkers do the same.
3. Make it Fun
Business and personal stressors at this time of year can make the Grinch come out in all of us. No one wants to feel that way — and no one wants to work with someone who feels that way. Think of ways to make this time at work more fun. Whether it’s listening to your favorite holiday music in the car on your commute or bringing everyone’s favorite coffee orders to the office one morning, find ways to make this time fun, even when you’re working hard.
Need to lighten the mood in advance of an important EOY meeting? Start it by asking everyone to share their most favorite holiday memory. Not only will it lighten the mood, it will help bring you closer as a team.
No one wants to slide into PTO feeling stressed or unaccomplished. There are few feelings better than walking away from your office on the last day before PTO ready to relax and enjoy the holiday. And even better? Walking away knowing that your coworkers and bosses feel the same way. Working together to complete projects, prioritizing what must be done before the new year, and making your time at work fun can mean all the difference between an enjoyable holiday season and a stressful one.
Interested in refinancing student loans?Here are the top 6 lenders of 2019!
|Lender||Variable APR||Eligible Degrees|
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1 Important Disclosures for SoFi.
2 Important Disclosures for Earnest.
To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.
Earnest fixed rate loan rates range from 3.89% APR (with Auto Pay) to 7.89% APR (with Auto Pay). Variable rate loan rates range from 2.54% APR (with Auto Pay) to 7.27% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of March 18, 2019, and are subject to change based on market conditions and borrower eligibility.
Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.
The information provided on this page is updated as of 0318/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at email@example.com, or call 888-601-2801 for more information on ourstudent loan refinance product.
© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.
3 Important Disclosures for Laurel Road.
Laurel Road Disclosures
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the fixed rate will decrease by 0.25%, and will increase back up to the regular fixed interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
However, if the borrower chooses to make monthly payments automatically by electronic funds transfer (EFT) from a bank account, the variable rate will decrease by 0.25%, and will increase back up to the regular variable interest rate described in the preceding paragraph if the borrower stops making (or we stop accepting) monthly payments automatically by EFT from the designated borrower’s bank account.
4 Important Disclosures for LendKey.
Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it endorse, any educational institution.
5 Important Disclosures for CommonBond.
Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.
All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 2.5% effective February 10, 2019.
6 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
|2.54% – 7.12%3||Undergrad & Graduate|
|2.54% – 7.27%1||Undergrad & Graduate|
|2.67% – 8.96%4||Undergrad & Graduate|
|3.23% – 6.65%2||Undergrad & Graduate|
|2.69% – 7.43%5||Undergrad & Graduate|
|2.98% – 9.72%6||Undergrad & Graduate|