Being in charge of your finances gets reflected in your work as well. If you can manage finances, then you can handle the duties at work. No employer wants an employee who will act as a liability to the company. If you are careless with money, you will end up being careless with office supplies. No boss would want to spend extra on a careless employee. If on the other hand, you are good with finances, you can even make suggestions at board meetings. Your pro-activeness will definitely get noticed and suitably rewarded. Your work will suffer if you have financial woes. Your behaviour at work, like – eating and traveling, reflect your financial status. If you do not mend your financial cracks, it will hamper your employment in the long run.

The fear of financial worries of an employee is not irrational. Studies have shown that about 80 percent of employees face more financial woes than they did just 5 years ago. About 83 percent of HR professionals are worried that financial woes take a toll on employee status and not just personal life. As financial troubles are easy to cover in the beginning, many HR people are unable to detect it in the early stages. This is a worrisome area. Still, employees will have to accept their financial conditions, be brave and make the necessary corrections.

Never ever think that pensions and provided funds will cover your lavish lifestyle. If you want to travel the world and sail the 7 seas, then start planning now. You can start by making extra money in investments. Again, don’t go overboard and lose your hard-earned money in the greediness of getting lakhs in a few weeks. Investments are like trees too. They need time to grow. But these little things will make sure that you and your spouse will have a comfortable retired life.