Manage Subscriptions Managing Money in the Midst of Transition

What do you do when you are in transition, particularly a career or business transition, that doesn’t allow you to manage your money as you would otherwise? After following my husband through a rather long and unplanned career change, I learned a few things about managing money more consciously during such challenging times.As lovely as it would be to make a career change bolstered by a year’s worth of savings and a neatly trimmed expense budget, it’s not always realistic. Oftentimes, when people decide to change careers or start up new business ventures, they are fairly deep in their desperation to get out of their current situation. Having all your ducks in a row financially may not be the primary concern. After all, career change is about much more than finances and should be evaluated by long-term physical, emotional, psychological, and spiritual gains, as well monetary realities.


In our case, after a number of years, lots of reflection, and a few costly mistakes, my husband and I decided that the career change was positive overall, regardless of financial setbacks.Here are a few ideas we learned to help manage finances while transitioning in life that might minimize or eliminate some of those challenges:1. Know The Numbers. First and foremost, look into all of your hard finances, including: calculating what you earn from all sources; knowing how much you spend and on what; researching what kind of debt, savings, and investments you have overall; determining your credit score; and examining the employer-provided benefits you might need to cover. After crunching the numbers, write the information down in one spot so you can refer to it at a moment’s notice.2. Make Sacrifices. Even if you have substantial savings, find ways to cut back and reduce your cost of living. It is best to alter aspects of your lifestyle early, before a real need for money arises. You may actually find that you won’t want to go back to some of the excessive spending once you make more money.3. Maintain an Investment Strategy. Create and maintain an investment strategy so you remain connected to wealth and abundance during your transition. Choose something meaningful to you, even if it is not a number one priority. If saving for your child’s college fund is the most important thing to save for, do that instead of adding to your retirement fund. Transitioning is already an insecure time; keep stability by saving for something that matters the most to you.4. Find Long-Term Financing. If you need to borrow money for a business investment, try to find long term financing so that large amounts do not need to be repaid before the business is profitable. Bank loans or equity loans that can be repaid over several years will give you breathing room to build cash flow and spread the payments over time.


5. Keep Life Liquid. Create access to your money. This is not the time to tie up your funds in investments that are difficult or costly to access. Liquid money is most useful during transitions.6. Set a Limit. Establish a threshold of cash reserves that you will not go below. That money is not available for anything- especially not for investing in the new business. It is only to be used if a true emergency arises.It is important to think outside the box during this interim time and give yourself permission to take some risks while playing the money game with a new set of rules. Most of all, pay close attention to your finances – this will give you the best shot possible in order to pursue your goals.

How To Make Mixed Netball Games More Interesting

There are numerous team sports individuals can opt for. However, not all games can be played by both men and women. Because of this, more and more individuals are now playing mixed netball.

Mixed netball is a sport wherein both males and females can participate. This is why, this game is interesting. Luckily, individuals can make games more interesting by considering these factors.

Search for unique locations

One of the best ways that individuals can do to make their netball games more interesting is to search for unique locations. As of now, individuals can play netball indoors and outdoors. Not to mention, there are also different types of courts to play on. Thus, it is best that you find the right court for your games. When searching for a location, it is important to consider certain factors. For one, it is best that you look for netball courts that are situated near establishments and transportation links. By doing so, you are sure that individuals who will be participating in the game can attend on time.

Find athletic members

When planning to play netball games, it is also important that you have a team that is consisted by athletic members. When it comes to sports, individuals commonly search for male members since they are more competitive and skillful. However, when it comes to netball, individuals can find reliable female members who have the same skills and competitiveness as males. As a result, they can create a stronger team, which can make mixed netball games more interesting.

Play with competitive teams

Another way to make mixed netball games more interesting is by playing with competitive team. In certain countries, netball is becoming popular. Thus, there are numerous teams you can play with. These teams are consisted by reliable players who can push your team to the limit, which can also increase the excitement of games as well as your physical and mental abilities.

Join a netball organization

Finally, individuals can make mixed netball games by joining in an organization. Of course, you can find other teams that will play with you, but if you are looking for competitive games, it is best to join in organizations. With this, your team can participate in seasonal games. Your team can also play on different venues. And, you can also improve your team since organizations have coaches who are willing to help team to become stronger.