Lucky Attitude was born out of dissatisfaction with status quo – the world doesn’t seem to be ready yet for the expectations we, Millennials, have of the 21st century. We are the only Millennial marketing and workplace blog-consultancy in the UK aiming to help millennials via content, consultancy and speaking.
I believe that a modern day business must be responsible not only for its investors, customers and employees, but also suppliers, communities and environment.
From seeking out rewarding careers to making good financial decisions, Millennials are the first globally conscious consumers, who have a responsibility to make the world better by voting with their wallet.
Importance of sustainable living & minimalism
Why do you think you go to work?
You go to work to consume.
As a member of fully functioning capitalistic society, your role is to buy stuff.
Consumerism is the vessel of economic growth … which mainly benefits the 1% of the population who owns half the world’s wealth. And these guys aren’t interested in sharing or even playing it fair.
Do you want to be part of the system that exploits the poor to benefit the rich?
I’ve certainly become more responsible consumer – I try not to buy stuff I don’t need.
I make sure that everything I own and use, is put to its maximum purpose before it gets recycled or thrown away, so I create less waste.
As a consumer, you have the ability “to put your money where your mouth is” and buy products that actually reflect your values.
Consumerism can drive a positive change.
Fair Trade should be non-negotiable
It makes me angry that wealthy western business owners, who employ third world labour to grow their food and make their clothes, still allow for conditions of extreme poverty … even though they have the power to change it.
Every human being wants to feel supported, empowered and be fairly compensated in the workplace, not just us – privileged westerners.
Fair Trade addresses the imbalance of power of conventional trade that discriminates against the poorest by assuring that workers receive not only a living wage and decent working conditions, but also extra support for investing into their communities, local schools & health care to improve their lives.
You and me can reduce poverty through our everyday shopping and buying Fairtrade doesn’t have to cost more – Waitrose, Sainsbury’s, The Body Shop, Lush and many more high street brands offer Fairtrade products.
The high cost of cheap clothing: we can do better
We buy Fairtrade bananas & coffee, but what about clothes?
We get excited about £15 bargain at a cheap clothing shop.
But is a new dress really worth someone suffering 90h week for 2 dollars a day? To what extent are we willing to allow this?
On April 24, 2013, the Rana Plaza factory in Bangladesh collapsed killing over 1,100 garment workers and injured over 2,200 more.
The deadliest structural failure accident in history left consumers all over the world questioning #WhoMadeMyClothes and in what conditions?
This terrible catastrophe could’ve been avoidable. It happened because of greed and a lack of compassion.
Since the horrible incident, hundreds of slow fashion brands have emerged dedicated to ethical and sustainable practices. Below is a photo from Stella McCartney Fall 2017 collection. This photo is taken in the Scottish landfill.
Slow fashion has never been so chic
Slow Fashion is the movement of designing, creating, and buying garments for quality and durability.
Slow Fashion is the deliberate choice to buy better-quality items less often, which encourages slower production, fair wages and minimal waste.
Slow Fashion is the antithesis of Fast Fashion – a widely implemented business model, where companies imitate high fashion styles seen on the runways and recreate them at a much lower quality and price to sell to the mass market.
The result is seasonal clothes, that fall apart after a couple of washes, which encourages to buy more, more … and more.
All that cheap and nasty stuff is cluttering up our lives, leaving us feel empty and detached from our clothes.
But after two decades of a global shopping craze, people are craving something different.
We want to express our individuality and values with what we wear. We crave connection.
With so many conscious brands emerging in recent years, the masses now have an easy access to all ethical brands and you can browse hundreds of products by categories, create lists, follow others and get inspired at Atlist – a Pinterest for ethical products.
Politics are present and constant threat – the fear that others are trying to keep us down to advance themselves.
Intimidation, humiliation, isolation, feeling dumb, useless are all stresses we try to avoid inside the organisation.
If we sense danger, our defences go up. If we feel safe, we relax and are more open to trust and cooperate.
Truly human leadership protects an organisation from the internal rivalries that can shatter a culture.
In fact, the primary role of a leader is to look out for those inside the culture, so that those in the group can focus on the actual problems and drive the business forward.
People or numbers – what comes first?
It is more common for leaders of companies to see the people as the means to drive the numbers.
But it only works short-term.
To see money as subordinate to people and not the other way around, is fundamental in creating a culture in which the people naturally pull together to advance the business.
Prioritising numbers over people undermines the free market economy.
Which is – the better the products or services s a company is able to offer to its customers, the more it can drive demand for these products and services.
And there is no better way to compete in a market economy than by creating more demand and having greater control over the supply – which all boils down to the will of those who work for us.
Better products and services are usually the result of the employees who invented, innovated and supplied them.
The leaders of great organisations don’t see people as commodity to be managed to help grow the money. They see the money as the commodity to be managed to help people grow.
In return, their people give everything they’ve got to see the organisation grow … and grow … and grow.
Sales coaching – a little-known way to grow business
Coaching is often mistaken for training.
Training gives people practical skills.
Coaching, on the other hand, isn’t about telling people what to do, but asking the right questions that stimulate thinking that leads to solutions.
Coaches want people to figure out the answers for themselves.
It builds character, critical thinking and maturity.
Coaching is a difficult skill to master, it doesn’t come naturally to majority of managers.
Because of its complexity and non-numerical return on investment, coaching is not very common in organisations (according to the TAS Group, 73% managers spend less than 5% of their time coaching their sales teams).
Practical advice to sales coaching
With coaching, you will not be able to manage the sales results, but the behaviours of your sales team that lead to the results.
We cannot instruct people to come up with big ideas or better solutions and we cannot demand people to cooperate.
These are always results – the results of feeling safe and valued among the people we work with.
For sales coaching to work, there must be leaders we want to follow.
The sales manager must earn trust.
Below are some practical advice for effective coaching:
Expectations, measurement & tangible vision
People need to know what is expected of them, how those expectations will be measured and why it is important.
If you know how you will be measured, your behaviour will reflect that.
If you know what the expectation is, you know where to focus your efforts.
And if you know why you are doing it, you’re more likely to commit.
If your team don’t have a unified answer to the three questions above, then it’s your responsibility to raise the level of awareness.
Eventually, you want everyone in the team to give you the same answers.
Because sales coaching isn’t individual.
A coaching programme isn’t developed with an individual in mind.
The purpose of the coaching is not to develop people’s passions (as you may read in many articles), but help business to grow.
Coaching programmes are designed for a team, an organisation. It’s a collective experience.
In order for an environment to be fair, the same expectations need to apply to everyone, within the same job role.
No paperwork overload
Everyone hates unnecessary paperwork, hey?
Don’t be that old-fashioned manager that kills the vibe with requesting lengthy CRM data inputs from your team.
Successful & outgoing sales people want to be free to do their job not waste their time with manual admin.
There are CRM systems that automatically record all the stages in a sales process, as well as analyse sales forecasts and performance.
Rapidi is a solution that easily connects Microsoft Dynamics 365 with Salesforce avoiding all manual re-entering data, saving your staff lots of time and headache.
Regular meetings & group troubleshooting
Hold regular coaching meetings with your sales people to develop their skills and behaviours.
Work at creating an environment where ‘failure’ is seen as a learning experience, not a problem.
Regular meetings allow you to troubleshoot situations as a team.
Everyone benefits from knowledge sharing, discussing the blockages to success and replicates winning strategies.
While money is certainly a good motivator, it may not be enough to build lasting success.
What produces loyalty, that irrational willingness to commit to the organisation even when offered more money elsewhere, is the feeling that the leaders of our company would be willing to sacrifice their time and energy to help us.
Since the dawn of the supermarket, the way we buy food has been pretty straightforward.
In small batches from the corner store or in large weekly baskets, people head out and come home a little while later with plastic bags full of tasty treats.
No matter if it was a ready meal or all the components of a Sunday roast, most foods began in an isle and ended on a plate at home.
Every so often you might order from the local Indian, go out to dinner, or fetch fish and chips from around the corner.
But not anymore.
Slowly, the way we buy and consume our food is changing, and it’s thanks in part to the Millennial generation.
The online shop
Long-gone are the days of the crowded confectionery aisle, the toddler screaming next to a display of baked beans, the long queues of frazzled shoppers crawling out from the checkout.
Now, with a little foresight and planning, that weekly basket gets delivered straight to your door.
Students and streetwise everywhere are taking advantage of this relatively new opportunity in terms of food, and it’s becoming a huge market, with every major player now having its own website and delivery functionality.
Those that were late to the game saw a significant drop in sales, and the profit-based motivation to get set-up and functional has meant that it’s no longer just Amazon and clothing retailers clogging up the roads with delivery vehicles. Online shopping is efficient, it’s quick, and it’s convenient.
Takeout – and not just for dinner
Remember that occasional order from the local Indian?
The UK has always been a melting pot for takeaway restaurants both chain and independent alike, with dishes from all around the world available to please your palate.
Recently, however, we’ve been seeing services pop up for snacks and meals other than the eight o’clock dinner.
It’s not just your weekly shop that can be bought online, it’s avocado on toast through to your favourite doughnut from the bakers on the other side of town.
The Millennial surge of online availability, whether it be information, socialisation, or food delivery, has opened the door to new options in the culinary industry that take place around the clock.
The health conscious, the vegan, and the veg
And last, but certainly not least – the dietary specific requirements. And these days they’re not all medical.
Alongside gluten and dairy free food, we now have entire sections dedicated to the meatless and the anti-animal.
The demand for vegan alternatives is being met by suppliers, and with awareness around farming and animal practice rising, it’s only set to increase in the future.
This movement certainly didn’t begin with Millennials, but they’re now some of its biggest backers.
The ‘gig economy’, often called the ‘sharing economy’ became popular after the financial crisis in 2008, when new business structures emerged due to the Great Recession.
Redundancies and lack of work forced people to find alternative ways to make money.
Airbnb and Uber were born out of financial desperation (not desire or opportunism) during 2008/2009.
During the recession, many people from all walks of life needed to rent out their spare room to pay for their rent.
Those, who didn’t have a spare room to rent, sacrificed their time driving people around the town.
Today, 10 years later, many people still participate in the ‘sharing economy’ out of necessity, not desire.
Over the years, we’ve just learned to market it better:
we are now sold this virtuous idea, where urban hipsters turn their assets into cash, while saving the planet and making new friends along the way.
Who are you fooling?
How many people do you know, who sell and buy on platforms like TaskRabbit, Fiverr, UpWork, Airbnb etc out of altruistic desire to help each others and make the world a better place?
Sellers are motivated by an unforgiving and poor economy, using their assets and labour to get by, while buyers are primarily concerned about the low costs rather than social objectives.
The exchange is purely economic and isn’t based on trust. People trust the platform, not each other, providing income for the firms.
Airbnb and Uber are not part of the ‘sharing economy’
The sharing economy does exist, just not on the ‘sharing economy’ marketplaces.
Friends and neighbours have always assisted each other, lending each other equipment and sharing knowledge or providing transport.
And this exchange has always been “I help you and you help me”, which unlike monetary transaction, actually strengthens social cohesion.
Adding a monetary element only exploits the circumstances of those who are financially worse off.
Gig economy cheapens labour
The gig economy cheapens labour and devalues creative talent. The gig economy helped to expand labour with specific skills, to labour anyone can do.
“Hey! You’ve got a car. Can you take me to the airport!”
“Hey! You are a designer, pick up extra cash banging out logos with 99designs!”
… and the wages for trained taxi drivers and vocational designers keep falling with each iteration/bid on these platforms.
Hidden behind Fiverr and Odesk, these workers are essentially faceless commodity, with no differentiation between one another.
Commodities have no intrinsic value and because of it, clients want to pay as little as possible.
As a result, those on-demand ‘independent contractors’ possess neither the individual bargaining power of contractors nor the collective bargaining power of employees, so the gig economy makes it difficult for all of us to make a decent living from our craft we took time to master.
If not properly regulated, the gig economy can turn to capitalism at its worst – where the rich openly use the poor for their maximum benefit and face no consequences.
Why your Uber ride is so cheap
Have you wondered why your Uber ride is cheaper than a regular taxi?
It’s because Uber doesn’t pay your driver ‘s for holidays, sick days or parental leave. They can’t even guarantee the minimum wage.
That is the only way they can keep the price so low for the end-customers.
So, essentially you are saving few bucks at the expense of someone’s wellbeing and hence contributing to their exploitation.
I’m not against gig economy as such.
I think it’s wonderfully freeing to be able to work independently by just switching on the app whenever you want and take on a job.
The only problem I have with it, is that it needs to be regulated, so that it becomes fair for everyone.
Uber has long argued its business to be ‘information society service’, that connects drivers and customers through an app, rather than a traditional taxi operation, allowing it to avoid labour laws, covering minimum wages, working conditions and benefits.
Technically, the worker is not ’employed’ but an ‘independent contractor’, who is not subject to these regulations.
It means that Uber drivers are entitled to all employee benefits like minimum wage, protection against unfair dismissal, paid holiday & sickness pay.
Currently UK operations are not affected by the EU judgement, but there’s plenty we can do individually to ease our drivers’ burden a little. We could always offer a tip by way of acknowledging that the service is actually worth more. Considering their current circumstances, it’s just the right thing to do.
Regulations benefit everyone, not just workers
All markets are socially embedded.
Do you want to be driven by non-professional, overworked and tired taxi driver, who doesn’t know the area?
Regulations are there to protect people from harmful things that they cannot prevent on their own.
Without regulations, markets can often be dominated by one or a small number of firms, who can force customers to pay artificially high prices.
Anti-monopoly regulations can insure greater competition and fairer prices for everyone.
A competitive environment creates an atmosphere of survival of the fittest (i.e richest), where many businesses disregard the wellbeing of the public to increase the bottom line.
Ultimately, if wealth is not distributed equally – a small percentage of society has the wealth while the majority lives in poverty.
(And I’m not even going to go into poverty and its link to violent crimes …)
TransferWise solves real people’s real problems turning a very traditional industry (banking) upside down.
There’s certainly an element of taking from the rich to give back to the people, which I really like about it.
How does TransferWise work & why is it so cheap?
Since TransferWise does peer-to-peer currency swapping rather than “buying” and “selling” between countries, users get their money converted at the real mid-market rate.
That’s the rate you see on Google search, for example.
TransferWise matches you with people, who need the opposite currency to you, so unlike banks they transfer money between people rather than countries, which means the money never crosses any boarders, it’s simply rerouted to those who need it.
TransferWise holds bank accounts in different countries and currencies and uses their customer’s to facilitate currency trades between each other.
As a result, TransferWise is in position to offer cost-effective service for incredible £1 for transfers up to £200 and 0.5% for everything above that without any hidden fees.
This means that on a £1,000 transfer to Euros, banks could charge you £50. With TransferWise, it’s only £5, meaning it’s 10X cheaper.
Last year, I bough a property in my home country Estonia, Tallinn, so I had to transfer a large sum of money to my Estonian bank account.
As you do, I called my bank to find out more about their fees.
Even though, Lloyds Bank said to charge a fee of £7.99, I knew that they secretly overcharge me on exchange rate and I end up losing about £107 on my £5000 transfer.
TransferWise, on the other hand, is transparent with all their charges & exchange rates up-front:
I didn’t even consider PayPal for this transfer as I know their fees are huge.
(I remember the first time I received an international bank transfer from my overseas client via PayPal, I was unpleasantly surprised at how little money I had left from all the fees, commission and exchange rates.)
PayPal charges 3.4% + 20p per transaction + they are not upfront about their exchange rates, which makes me think, that that they might even end up costing more than a bank.
If you are an expat like me, who wants to send money home or a business owner, who needs to send salaries to different countries or a freelancer with international clients, TransferWise is probably the best option out there.
Is TransferWise safe to use?
TransferWise has been operating successfully for over 7 years now, and has a large and loyal customer base that trusts them with £500m every month.
TransferWise ongoing business success is directly related to keeping people’s money safe. Hence, security is paramount to their business and reputation as a reliable and honest financial service.
To maintain financial security, TransferWise maintains compliance in a few four key areas:
TransferWise is authorised with the UK Financial Conduct Authority (FCA), which is a regulatory body that ensures that they operate in accordance to all relevant regulations and rules laid down by FCA. This is crucial for any credible financial service provider and for your peace of mind.
Customer funds held in trust
TransferWise uses trusted bank accounts and banking partners Worldwide for transferring money and, of course, they keep customer money separately from their operational accounts.
Customers’ money is kept in separate trust accounts.
Website secure & encrypted
All your transactions are protected by industry standard HTTPS encryption, which means that card payments are processed via their secure debit card processor and your CVV/CVC number is never stored. This keeps all of your information safe.
TransferWise is completely online-based business, without the tightest of security, there is no TransferWise. Security is as important to them as it is to you.
Managing exchange rate
When you complete your transaction, TransferWise does everything it can to provide you with an accurate quote of the exchange rate. Because exchange rates are known to constantly fluctuate, you have two options:
Guaranteed exhnage rate
Estimated exchange rate
If you choose ”Guaranteed rate” then this means you have a timed locked rate, usually 24h to 48h.
If you decide to go with “Estimated exchange rate”, this means that your payment will be converted with a floating rate, so TransferWise will use the mid-market rate at the time of conversion.
PS! With “Estimated exchange rate”, you can always set your limit rate, in other words your “tolerance” for currency movements, so if the mid-market rate suddenly moves outside of your tolerance level, the trade will be canceled, providing you with total piece of mind.
NB! Best rate guaranteed
To ensure that you’ll be 100% happy with your rate, TransferWise even have a “cheapest money guarantee”, which means that if you receive a quote from another provider, offering a better deal than the mid-market rate, TransferWise will match it – even if you find it after you’ve already made your payment.
Below is a super simple step-by-step guide to help you to get started:
1. Go to TransferWise homepage
When you hit TransferWise homepage, select the currency you want to send FROM and the currency you want to send TO.
You can also specify the exact value you want to transfer.
Then hit “Get Started” button.
2. Quick sign up
You will then need to sign up with your email and password (or Facebook/Google+ if you prefer)
3. Enter your recipient bank details
You are now on the transfer page, where you can enter your recipient bank details and see the mid-market exchange rate.
You can also see how much are you saving compared to your bank.
Hit “Pay For the Transfer” when you’re done.
4. Send money
You can select debit/credit card or bank-transfer.
If you select credit or debit card, you need to enter all your card details similarly to when you pay for goods online.
If you prefer bank transfer, then TransferWise will show you their bank details in the country that you’re sending money to, which will include their sort code, bank account number and reference number you need to use for the transfer.
Your part is now done!
5. Money received!
Money will arrive to a recipient bank account within 1 business day (I sent money from the UK to Estonia and it arrived the following day). Sending money to some countries can take 2-3 business days.
All parties (you and your recipient) are notified by email along the way, to keep your peace of mind.
It’s this simple.
Oh, and their customer support is fabulously friendly, should you have any questions along the way.
With the rise of the Internet, between 2005 and 2014 the number of depressed teens jumped by more than half a million, according to a recent study in the journal Pediatrics.
What is making Millennials so anxious?
Anxiety is an indicator that your reality is out of sync from your expectations.
Anxiety is a symptom, not a problem and it’s letting you know that something is not right, so that you can do something about it.
Even though anxiety is individual for everyone, there is generation-wide epidemic that is causing us all stress – it’s uncertainty – that constant out-of-control worry that something bad might happen.
Career, relationships, housing, marriage, family – these are all milestones that Millennials are pressured to meet at certain times in their life.
All those delayed or unmet milestones make us feel highly insecure about ourselves, worrying that we are ‘less than’ what we are supposed to be, resulting in the loss of self-confidence.
Young people feeling uncertain is nothing new, but my generation is staring down a peculiar set of unknowns.
Capitalism is making Millennials so anxious
Millennials had high expectations of themselves for what we should have achieved.
Our parents raised us to think that hard work can get us anywhere.
So we spend longer in education.
But when we entered the workforce, we found ourselves over-qualified for the junior roles available to us.
We were also full of ideas of how to serve the society through the work we do, urging businesses to focus on people and purpose.
We soon realised, that as cogs (i.e employees) working for a company, we are just bystanders on the self-sustained wheel called capitalism and that business leaders, no matter what they claim to stand for, would never put people before profit.
Work expectations vs work reality was a head on defeat.
For us, who grew up imaging work to be the single most satisfying source of self-realisation and fulfilment, the reality of adult-life has left us feel anxious and unhappy in our work.
There should be more to life than a big pay-check !?
Can we ever pursue “meaningful work” in a society that is run by the rich?
In capitalist system, where a human being’s worth is measured by their wealth (rather than their compassion and service to their fellows), the vast majority of young people are going to grow to think of themselves worthless.
To blame businesses for not being able to meet Millennial workplace expectations, is short-sighted.
In order to solve the “Millennial workplace” problem once and for all, we need to build an economy, in which the question is no longer “how much money can I acquire?” but instead “how much can I help those less fortunate than me?”
Political uncertainty is making Millennials so anxious
As a result of dissatisfying “working for the rich” employment, many Millennials choose to ignore traditional 9-5 paths and pick more meaningful opportunities for work.
If you are like me, you have been working at a job you hate.
There’s nothing worse than being stuck somewhere you don’t want to be. You have no motivation to get out of bed in the morning, you feel frustrated about your situation, you start calling in sick more often and you don’t function at full capacity and get into a conflict with coworkers.
Anxiety can show in difficulty concentrating, tiredness, memory and concentration problems, muscular aches, poor sleep to full-blown panic attacks.
Individuality is making Millennials so anxious
Urbanisation, means that people are leading more independent, less family-oriented lives, leading to increased isolation and loneliness.
In this world where family values are on the decrease and life is just to think of oneself, youth remains obsessed with possessions and accumulation of wealth.
No wonder, we lose connection and compassion to fellow humans, when we treat everyone like potential competitors.
According to a social wellbeing researcher Richard Eckersley, communal structures and strong social bonds are important for our mental wellbeing. People, who have close family or friends to turn to in times of crises, experienced less stress.
Whether it is the commercialisation of public space or increasing working hours that reduce time for social activity, we live in a society in which we are all increasingly socially isolated and lonely, destroying one of the key mechanisms available to protect against mental anguish.
Social media is making Millennials so anxious
Our obsession with social media is just an extension of our individuality, image and fame obsessed society.
The problem with social media is that it paints the fictional picture of everyone having perfect lives, but us.
We forget that everyone else (just like us) are only broadcasting carefully edited image and not the mundane everyday.
We feel a strong desire to impress others online, because it makes us feel good.
With a constant barrage of dopamine, the brain becomes dependent on this acknowledgment, which, if not released in regular intervals, can amplify anxiety, low moods and depression.
So if you’re looking to increase your mental wellbeing, consider spending less time on social media, impressing people you don’t even like. Switch off every once in a while to take in all the good stuff that’s happening around you in real time, surrounded by friends, who like you for who you are.