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If you’ve read my articles before, you know how strongly I feel about work-life balance, individual empowerment & fair play.

As a typical representative of my generation, I am a conscious capitalist.

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.

Follow this unique link for a quick sign up with Atlist (currently invite only).

10 simple ways to live sustainably

Writing this, I realised, that I’ve been green before they even had a name for it.

It’s partly because of my upbringing in Post-Soviet Estonia, where we just had to survive with limited resources, but also because it just makes sense to me now.

Here are the 10 things I do day-to-day, that are good for both – me and the planet:

  1. I ride my second-hand bike everywhere (keeps me in shape)
  2. I shop in second hand and vintage shops (my style is unique)
  3. When I buy new clothes, I buy better quality items that last longer (I look at cost per wear, not cost per item)
  4. I don’t own a car, I use public transport (best way to catch up on reading)
  5. I take cloth bags to when I go grocery shopping (I did it even before they started charging for plastic bags)
  6. I carry a bottled water with me everywhere (so that I don’t have to buy new disposable plastic bottles every day)
  7. I’m eating less meat than I used to (I could never go 100% vegetarian, though)
  8. I regularly prepare home cooked meals, that I carry in reusable storage containers
  9. I don’t use toxic deodorants. Instead I use coconut oil and soda, (which have done wonders to my arm pits)
  10. I prefer to take stairs over the elevator (mainly because it’s an excellent booty workout)

 How many simple sustainable living tips can you list? GO!

***

This article contains affiliate links.

The post The High Cost Of Cheap Clothing – Worth It? appeared first on Lucky Attitude.

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In 2017 UK Millennials became the largest generation in the workforce as a record number of Baby Boomers headed to retirement.

This generation has some unique personality characteristics that seem to confuse their employers:

We want to work for a company with a clear sense of why and have our work be worth more than the money we are paid to do it.

Unlike previous generations, Millennials want to see their managers as coaches, and they value experience and knowledge over position and power.

With these ‘new age requests’, Millennials have already gained a reputation for being difficult to manage.

How to grow business without managing people?

We cannot motivate or manage others per se.

Our motivation is determined by the chemical incentives inside every one of us.

Any motivation we have is a function of our desire to repeat behaviours that make us feel good and avoid stress.

Hence, the only thing leaders can do is create environments, in which the right chemicals are released for the right reasons.

Importance of a healthy company culture

What is a “company culture” and how do we know when it’s healthy?

Company culture makes up a set of unwritten rules that all people of the company live by.

Culture gives us a sense of belonging and understanding about what is normal, appropriate and expected, but also what is inappropriate and unaccepted.

Understanding the culture is what sets “us” (the insiders) apart from “them” (outsiders). When others don’t meet our expectations, it is often a cue that our cultures don’t fit.

Sadly, the cultural norms of the majority of companies today actually work against our natural biological inclination of cooperation and belonging.

(This is one of the reasons why so many Millennials job hop – they are looking to find a place to belong.)

Without that safe culture, people are forced to spend too much time and energy protecting themselves from each other.

This means that happy, inspired and fulfilled employees are the exception rather than the rule (66% of UK employees are not happy with their jobs).

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.

Finally,

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.

The post Why Managing People Is A Myth appeared first on Lucky Attitude.

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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 number of vegans in the UK has risen by 350% in the last ten years according to one study, and a reported 42% of those people are between the ages of 15 and 34.

The post How Millennials Are Redefining The Food Market? appeared first on Lucky Attitude.

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I bet you’ve thought about it before:

“I could easily eat healthily, if someone just cooked for me regularly.”

I know I have.

Preparing regular healthy meals has always felt like a chore for me.

It takes too much thinking and planning ahead.

Everyone loves to think of themselves as “foodies” these days, but most of us are still struggling with preparing home-cooked meals, let alone healthy ones.

It’s just easier to reach for something immediate, boring and normally stacked with saturated fat.

EatFirst is for people, who don’t like takeaways

Takeaways often taste very different from what you’d have in a restaurant.

They can arrive kind of lukewarm, greasy & horrible.

EatFirst (the perfect alternative to takeaways) is the first “online only” restaurant that delivers gourmet ready meals at affordable price (starting from £3.99).

Launched by ex Roka Chef Benn Hodges, EatFirst delivers expertly prepared, fresh home-cooked meals to your door.

Their meals are designed to be good for your body, fit around your busy lifestyle and leave you feeling totally guilt-free.

My experience with EatFirst

Given that I’m the perfect combination of a time-poor and incredibly lazy “working woman”, I decided to test out the service.

The order was very straightforward.

You just head to the EatFirst website and check out the menu for the day (or the week ahead, if you like).

I found the menu to be mercifully short! I hate trawling through endless pages of meal options – especially when I’m hangry!

I’d rather have less meal options, but more quality ingredients and seasonal recipes.

So, I ended up ordering three meals:

  • Salmon Teriyaki,
  • Thai beef Panang curry and …
  • Honey Soy Chicken (my new favourite thing).

On the day of delivery, you receive two texts:

a) first reminding what time your meal is arriving and,
b) then that the driver is en route (so you have time to get out of the bath!)

The meal arrives in a beautiful, eco-friendly packaging, sealed for freshness and flavour.

You know when the best ingredients are used because the food is full of natural flavour (not the usual nasties, additives or msg).

+ all the ingredients and nutritional information are also included in the delivery – so you know exactly that you’re eating!

There’s nothing better than eating good quality restaurant food in the comfort of your own home.

But don’t just take my word for it, try it for yourself.

The kind people at EatFirst are extending a special offer to my readers! 50% off first food orders and 15% forever more on over £30, including delivery.

Enter code:
LUCKY50 ordering for the 1st time for 50% off food
LUCKY15 ordering for the 1st time for 50% off food




The post EatFirst – The First ‘Online-Only’ Restaurant appeared first on Lucky Attitude.

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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?

Probably none.

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.

For example:

“Hey! You’ve got a car. Can you take me to the airport!” 

and …

“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.

Luckily, in December 2017, the EU’s highest court has ruled that Uber is a transport company, which means it is now regulated in the same way as other taxi operators in Europe’s 28 member states.

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 …)



The post Why The Gig Economy ISN’T A Sharing Economy appeared first on Lucky Attitude.

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TransferWise is the best services I found for sending money abroad safely and almost for free.

TransferWise, a revolutionary fintech startup, has changed the rules of international money transfers for good, revealing banks’ unfair & hidden fees.

Calculate my transfer price in seconds

Over £500 million is transferred with TransferWise every month – which means the users are saving more than £22 million each month.

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.

Calculate my transfer price in seconds

My experience with TransferWise

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.

Send my first TransferWise payment

To maintain financial security, TransferWise maintains compliance in a few four key areas:

Regulatory control

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:

  1. Guaranteed exhnage rate
  2. 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.

How good is that?

Get my best rate on TransferWise website

Sign up and make your first transfer today!

Ready to send money abroad? Good stuff!

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)

Hit “Continue”.

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.

The post TransferWise Review: Cheapest Way To Transfer Money Abroad appeared first on Lucky Attitude.

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Constant worry & anxiety. It always hits you in the gut first.

Then your palms would sweat.

Your mind would race.

You can’t stop feeling worried.

Many of us experience anxious feelings to varying degrees.

Anxiety is a spectrum disorder, and is one of the most prevalent mental conditions among the UK Millennials.

Young people in the UK have some of the poorest mental wellbeing in the world, new research suggests, with only Japan falling below British millennials by levels of stress and anxiety.

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.

However, the recent political upheaval (Brexit, Trump presidency) have discouraged the ambition young professionals from taking the plunge to leave the jobs they dislike. Millennials are now less likely to leave the security of their jobs, even if they don’t enjoy their 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.

Every time someone likes, comments our shares our post, dopamine, a chemical responsible for pleasure, is released into our brain. 

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.

The post What Is Making Millennials So Anxious? appeared first on Lucky Attitude.

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