| December 15, 2014

Making Work/Life Balance Happen for Yourself

Survey reveals Americans believe it’s up to them to find a balance, regardless of who’s in Washington.

It's up to you to achieve a work/life balance

Given slow national income gains and ever rising costs, you might think most people would have given up on being able to balance work, home, family and community. However, the release of the 21st Allstate/National Journal Heartland Monitor Poll shows a narrow majority of Americans believe balance is possible – in spite of what may or may not be occurring in our capital.

According to poll results, 54 percent of Americans believe “most people can succeed at work, make a good living, and contribute to their family and their community, if they manage their time well and set the right priorities.” In addition, 60 percent believe things would be better if “more Americans take responsibility to work hard, improve their skills and education” to provide for their families.

The increasing sentiment that Americans must take control of their own destinies may at least be in part to our decreasing faith in our government’s ability to do anything productive. The might explain why almost 60 percent believed that regardless of the mid-term election outcomes, cooperation in Washington wouldn’t change – and another 21 percent believe it would get worse.

“People seemed resigned to having an ineffective government, but they’re determined to succeed in spite of it,” says Gary Herman, President of Consolidated Credit, “but without the guarantee of a social safety net, the onus is increasingly on American individuals and families to protect themselves for what’s ahead in the next few years.”

Preparing for the road ahead

Self-reliance is definitely a good principle to live by, but it requires more than just taking care of things today. There’s also greater need to focus on preparing for tomorrow so you ensure success no matter what happens with the economy or social support programs.

Here are some things every American needs to do to be ready:

  1. Minimize debt – and keep it minimized. When the real estate and job markets collapsed at the start of the last recession, government programs like extended unemployment and mortgage payment assistance were critical to the financial survival of many households. In a world where you can’t rely on these programs being offered, you have to do everything you can to avoid distress. This means taking every step possible to avoid debt problems by keeping debt minimized and even taking steps to pay off big debts, such as your mortgage.
  2. If you’re not saving every month, you’re not saving enough. Savings creates a personal safety net for you if something goes wrong. So if you’re preparing for a world without a social safety net, then you need to make sure you have the means to support yourself even in a period of extended unemployment. This means saving at least 5-10 percent of every paycheck so you can develop short-term, mid-term and long-term savings.
  3. Protect your health and plan for the future. No one can say what’s going to happen to our healthcare system over the next few years. The exchanges may stay in place, or they may not. Securing stable employment that offers employer-based health insurance may be critical, even if it’s not currently. In addition, with the future of Medicare and other senior services uncertain, it’s imperative to bolster long-term savings enough that you have means to care for yourself in your golden years.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

"We are really proud to recommend Consolidated Credit" Kathleen Cannon, President & CEO of United Way of Broward County. Consolidated Credit Counseling Services, Inc. is pleased to announce our partnership with the United Way as a United Way Chairman’s Circle Organization.

All Consolidated Credit counselors are certified personal financial counselors (CFC) We've helped 5 million people get out of debt! Call us today and see what we can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

Consolidated Credit is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit can do for you.

The National Industry Standards for Homeownership Education and Counseling are a set of guidelines for quality homeownership and counseling services. Industry professionals who adopt these standards can be trusted to provide consistent, high quality advice.
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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

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Time tested and customer trusted. Consolidated Credit Counseling Services has been a BBB Accredited Business since 1998 and has a current A+ rating. Call us today and see what we can do for you.

View the Consolidatedcredit.org review status

Consolidated Credit is proud to be an ANAB accredited member. Accreditation by a recognized and respected body such as ANAB ensures the impartiality and competence of our company. To see what we can do for you, give us a call.

U.S. Department of Housing and Urban Development - HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. Consolidated Credit is proud to be a member of HUD and also part of the Hope Now Alliance.

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