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December 17, 2000

Welcome to the Fulfillment@Work Newsletter
Published by Joel Garfinkle, Dream Job Coaching
ISSN: 1533-3906


1. Feature Article: Coping With Financial Fears!
3. Tip of the Week: From Deb Sgambati, Thistle Business Service
4. We Recommend: "On Becoming a Leader" by Warren Bennis

Feature Article
Financial Fears

Making dramatic changes in your life and even changing careers can bring many fears to the forefront of your mind. One of the biggest and most important fears for many people is the fear of losing financial security. During the holidays or if you're thinking of changing jobs or starting your own business, fear of not having enough money to live on can hold you back for months or years.

You need a practical plan to address your concerns and meet your needs. With proper planning and creative, "out of the box" thinking, it is entirely possible to create your own unique successful financial plan to allay your fears and put you on the path to your dream job and fulfillment in your daily life.

1. Know your current situation
Take stock of your current financial position. Know your debts, your assets and your income. Keep track of your spending so that you are aware of where your money is going.

2. Contact a professional
Find a financial planner or accountant to advise you. Talk to a trusted family member who is knowledgeable about money and financial matters.

3. Educate yourself
If you're not familiar with financial terms, search online or at a bookstore for a basic finance/money book. Become familiar with terms and concepts. Even if you hire professionals, you still need to make the final decision and know what is happening with your money.

4. Begin a savings plan
Ask your financial advisor for specifics but the general guideline is to have at least 3-6 months in savings to tide you over through a job change/search.

5. Ask for support
Ask family or your spouse or significant other for support. Discuss cutting back on hours or other potential solutions.

6. Consider a stepping stone job
Think about taking a job that is a step along the path to your ultimate dream job so that you'll still have a stable income.

7. Experiment
Explore various jobs and career areas. Volunteer at some positions that interest you. Explore options within your current job. Be creative with your explorations.

8. Cut back
It seems like a simple solution but look at your budget and your income and look at areas in which you can cut back.

There are many resources on and offline to assist you in saving money and still being able to enjoy living your life.

If you want to learn how to Find Your Dream Job, click here:

If you want to learn about Executive Coaching, visit:

~ Joel Garfinkle
Dream Job Coaching:
Live Your Dream Life!

Quotes of the week

"Carelessly planned projects take three times longer to complete than expected. Carefully planned projects take four times longer to complete than expected, mostly because the planners expect their planning to reduce the time it takes."
~ From Murphy's Laws

"It's not how much we give but how much love we put into giving."
~ Mother Teresa

"There are two ways of spreading light: to be the candle or the mirror that reflects it."
~ Edith Wharton

Tip of the Week
From Reader Deb Sgambati, Thistle Business Services

"As an independent business owner, I apply Joel's philosophy to all new clients. If I am to love my work, I have to evaluate each new prospect in that light. I always ask myself "Will this new client relationship make my life more fulfilled?" If my answer is "Yes", I move forward. It only takes a few moments to consider my own satisfaction. This small shift in attitude makes all the difference in my world."

We Recommend
"On Becoming a Leader" by Warren Bennis

Today, most organizations are overmanaged and underled. Yet, the factor that ultimately determines which companies succeed or fail is their leadership. To remain competitive in the 21st century, America will need a new generation of leaders who can shape, rather than surrender to, our increasingly volatile global economy. This leadership guide was also recommended by Vice President Al Gore to all his advisers. "In On Becoming a Leader", management expert Warren Bennis shows how individuals develop leadership traits and how organizations encourage or stifle potential leaders. (From review.)

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