Charles Morgan Welcome: Bankable's latest newsletter 

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From: Bankable by Forbes - Wednesday Jan 31, 2018 11:27 pm
Welcome: Bankable's latest newsletter 
Money. Career. Balance.
It’s tax season—what will you do with your refund?
Photo: JGI/Jamie Grill, Getty
Tax season is never fun, but last year was especially painful—I had the joy of filing returns in three different states. Not only was the whole ordeal complicated, but I didn’t even walk away with a refund. Instead, the one nominal kickback I did receive was offset by the amount I owed on another.

For Americans who do get a refund, the average check amounts to $2,782 (now that’s what I had in mind). What would you do with that windfall? Whether you’d save it, plan a vacation, pay medical bills or use it for something else entirely, tell us using #taxrefundchallenge.

As for me? I’ve yet to decide where to put the $100 I won in a contest last month, let alone a sum 27 times that amount. Sure, I could let it settle into my checking account like any other paycheck, but I’m up for a challenge. Maybe I’ll even put a portion toward financial education. With an app like Robinhood that can teach me the ways of the stock market and cryptocurrencies, this time of year might become a little more enjoyable—and lucrative.
TAKE CHARGE
Tackle money, career and balance with these tips today.

 
Thinking about renting out your place for Super Bowl LII?
Protect yourself (and your home) by following this advice.

It’s time to rethink your canned response to “How are you?”
These five answers can help advance your career.

Do you and your partner have different passports?
Don’t let it keep you grounded—here’s how one couple manages.
WHAT'S FRESH
Sideline procrastination to launch your side hustle

You know that great, passionate business idea sitting latent behind excuses, overthinking and procrastination? Take these steps to make it happen. 

Tell friends. When you share your projects with people you trust, you’re indirectly making accountability partners of them. They’ll remind you of your words and make sure you act on them.

Take one, small step. Bringing an idea to life can be overwhelming. Approach it one element at a time to gain momentum. Maybe that means buying your web domain or signing up for an entrepreneurship workshop that will leave you with an action plan.

Join groups. You’ll be surprised how surrounding yourself with similarly-minded, motivated people will spark your hustle. Whether via local events, Facebook, LinkedIn or warm emails, these connections will become your support system.
Three simple ways to start eating healthier

Changing unhealthy eating habits can feel like a Herculean task. Little by little, these tricks will make it easier to make smart, nutritious choices.

Sip right. Sodas and packaged juices carry risks beyond obesity and diabetes. Consuming sugary beverages can also cause liver damage, premature aging and anxiety. Opt for unsweetened drinks or infused water.

Position proactively. When you get hungry, you’re likely to eat the first thing you see. In your kitchen and at your desk, place a fruit basket, nuts and seeds at eye level or top drawer.

Shop well. Swap processed items like frozen pizza and instant ramen with whole foods like fresh vegetables and grains, packed with protein, fiber, healthy fats, vitamins and minerals as opposed to empty calories. Shop the grocery store’s “outer ring”—where these better options tend to be stocked.
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ONE CHART ANSWER
Americans owe a lot of financial fear to debt. In fact, 30% feel they’ll never attain financial freedom. “Life’s just expensive in 2018,” says Matt Schulz, senior industry analyst at CreditCards.com. “Then, you consider that many millennials are underemployed, wages aren’t rising and student loan debt hangs over them like an anvil, and it’s easy to see why they’d be discouraged.” On the upside, you’re not alone on the slow climb out of debt. Your first step in the right direction? Schulz advises making a budget: “Once you do, you can better assess whether you need to cut spending, increase income or both.”
Figuring out how to live your best life can be a challenge—but we can help. Send your questions to askbankable@forbes.com. We’ll publish articles to answer as many as we can. And don’t worry: We won’t print your name. But details could reveal you, so be thoughtful.
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