3 Easy Communication Tricks to Take Your Career to the Next Level in 2019

Humans are a social species and as such, communicating with others is inevitable no matter how introverted (or not!) you might feel. But have you ever stopped to consider how your communication style might be affecting your professional life, and whether or not it’s holding you back from achieving the growth opportunities you deserve?

To dive deeper into this topic, we spoke with communication coach and expert, Sahar Mandi of Sahar L. Mandi Consulting, who firmly believes:

If you want to take your career to the next level, you need to stand out. And in order to stand out, you have to speak up.

Makes sense, right? Because in today’s highly saturated and competitive environment, merely “doing good” is no longer enough. Aside from completing your day-to-day tasks, you also need to be able to clearly articulate your thoughts, ideas, and overall worth in any professional setting you find yourself in, so that your managers, clients, and all other external stakeholders know just what a rock star you really are.

But this might be easier said than done, with public speaking routinely described as one of people’s greatest fears, beating out the fear of heights, flying, and even death! Not to mention the prevalence of mansplaining and manterruption in the workplace, which multiple research studies have confirmed to be real and true.

So what are we – smart, ambitious, driven women professionals – to do?

According to Mandi, confident and effective communication is a skill that anyone can master, and here are her top three tips on how:

Communication Tip #1: Ditch Your Old Speaking Patterns

If you want your managers and colleagues to take you seriously and treat you with respect, you have to take you seriously and treat you with respect first!

Pay attention to how you’re talking to and about yourself because that directly impacts the way others perceive you too.

Instead of caveating your thoughts with “I guess”, “I suppose”, “I think”, “I may be mistaken, but…”, or “correct me if I’m wrong”, use empowering phrases such “in my experience, I’ve found…” , “based on the research, I’ve concluded…” , “in the past, we’ve taken the following approach to get this result…”

Additionally, stop downplaying your own value with words like “just”, “only”, or “little.” As in, “I’m just a junior analyst,” “I’ve only been here a few months,” or “I have a little idea to share.” They do nothing more than erode your confidence and you’re better off deleting these words (in this belittling context) from your vocabulary entirely; “you are a junior analyst,” “you have been here a few months,” “you have an idea to share.”

Want more? Use these 5 phrases to sound more confident at work

Communication Tip #2: Spread Your Wings to Fly

Have you heard of the 7% rule? It states that communication is only 7% verbal and 93% non-verbal, with body language making up 55% of that non-verbal communication. So what you’re doing with your body, even when you’re not talking, can speak volumes – and it’s in your best interest to make sure the story it’s telling is a good one!

A great rule of thumb to remember is to make yourself big.

What does that mean when you don’t have the floor? Sit or stand tall, with your shoulders back and your hands comfortably resting on the table or to your sides.

What does that mean when you are presenting? Use big gestures. Nervous speakers often try to literally hide from the audience by making themselves small and keeping their gestures tightly to themselves. This makes their movements appear contrived and unnatural, further highlighting their anxiety.

To counteract this natural tendency to retreat and protect, try planting your feet firmly in the ground and gesturing beyond your shoulders. Though this might seem unnatural at first, the very act of taking up more space will make you feel more powerful and confident in return, resulting in a killer presentation.

Communication Tip #3: Perfect Your Talking Points

Though we’ve established that only 7% of communication is through our words, we can all agree that without words, we’d be hard-pressed to relay any kind of meaningful message, correct?

So, your talking points are just as important in making you an amazing communicator, and you should always aim to make your presentation as clear and memorable for the audience as possible.

The formula Mandi coaches her clients through is as follows:

  • Start with the WHAT – what is it that you’re discussing?
  • Fill the Middle with the SO WHAT – why is what you’re discussing important and what’s the relevance to your audience?
  • End with the NOW WHAT – what are the next steps you want your audience to take or do?

This easy-to-follow sequence will not only help you remember what you want to say better, it will help your audience better remember your main points too. Win/win!

Taken together, these three tips will have you well on your way to becoming a better communicator. But, if you want to skyrocket your path to the top of the org chart, Mandi offers an entirely digital self-study curriculum that dives deeper into every aspect of communication in six short weeks. Click here to learn more. Or, if workshops & webinars are more your thing, sing up here to be on the exclusive list for all her upcoming public speaking & communication events.

Sahar Mandi is a tenured Communications Skills Trainer who helps high-performing young professionals leverage powerful communication techniques to increase their confidence, influence, and impact at work. Her holistic approach places equal focus on mindset, body language and presentation skills, allowing clients to quickly discover their unique strengths and naturally evolve into confident & effective communicators. 

Sahar’s training — delivered through 1:1 coaching sessionsworkshops & webinars, and a self-study online course curriculum — encompasses public speaking, networking, and authentic workplace relationship-building.  

For more information, please visit www.saharmandi.com, or reach out directly via info@saharmandi.com.

Next up, check out The Most Searched Female CEOs, According to Google.

Drumroll, Please: Introducing Style Salute’s, Make It, a series that spotlights female leaders who’ve made major career changes—and fearlessly mastered the pivot.  The goal of the series is to share real conversations with successful women. In sharing a behind-the-scenes look at what it’s really like to start company with a mission. 

Ellevest Rolls Out Impact Investing

Women Investing in Women: Sallie Krawcheck’s Ellevest Rolls Out Impact Investing

It’s no hidden secret that the investing industry has been built by men, for men. It’s all about picking the best stock and beating the market — and not about taking into account women’s longer lifespans and reaching financial goals.

Today, the market is answering the call for portfolio management platforms specifically created for women. One of these platforms is Ellevest, a female-focused automated investing platform founded by former Wall Street CEO and finance industry veteran, Sallie Krawcheck. Nicknamed by Fortune Magazine as “The Last Honest Analyst,” Krawcheck believes gender-neutral investing fails women, so she turned the problem on its head by giving women a platform targeted to their life paths and financial goals.

To level the playing field for women, we’re teaming up with Ellevest on economic empowerment. Read on to get financially empowered. 

True Equality Includes Financial Equality

As we work to achieve equality for all women, we’re also aware that true equality includes financial equality.  You’ve likely heard about the pay gap—but did you also know that there is an investing gap too?

And that gap exists not only between men and women — but between women, with the median wealth for women of color at just pennies on the dollar compared to white men and white women. This needs to change.

Women and Investing

Here are the facts: women live longer, we earn less—and, we need to account for that while preparing for the future. So, ask for that raise you deserve, negotiate when you’re applying for that job, set a budget for yourself (we recommend the 50/30/20 rule), talk about money with friends, partners, colleagues, family, and start investing regularly.

Ready to start investing? Get started investing in minutes with Ellevest, a company designed by women, for women with no minimum to start.

Here’s How You Can Start Investing

Ellevest is an easy online investing tool using algorithms tailored to your salary, gender, and lifespan (aka your real life).

Get started in minutes with $0 minimum.

⇒ Get Started Investing With Ellevest

What is Ellevest?

Having created partnerships with entrepreneurs, analysts,  engineers, Ellevest’s goal is to close the gender investing gap and empower women take financial control today.

And that’s not just a cute marketing slogan, either.

Gender-based investing at Ellevest means factoring women’s generally longer lifespan, lower incomes, and different lifetime earnings curve into portfolio construction. Another way the company delivers on its female empowerment promise is through its Impact Portfolios, which give clients the opportunity to invest up to half of their portfolios into funds that drive positive social and economic change (check) … by advancing women.

The company’s 0.25% advisory fee for Ellevest Digital — no minimum account requirement — and 0.50% advisory for Ellevest Premium ($50,000 minimum), which includes access to certified financial planners and executive career coaching services, make them competitive among robo-advisor rivals like Betterment and Wealthfront and especially attractive to female investors.

In a planning mood? See how an investment plan could help you manage your finances. Ellevest is one way to do it. You can get a personalized portfolio in under 10 min. And it’s made by women, for women.

Invest in Women. Starting with Yourself.

At the core, impact investing is designed to effect positive social and economic change. At Ellevest, this is done through impact investment portfolios that work to advance women. With these, you could earn a competitive return so that you can reach our goals — like starting a business, buying a home, starting a family, and retiring comfortably—by investing in other women (brilliant, right?).

So, rather than lusting after the latest Chloé bag or throwing money into that last minute weekend getaway—put it towards your goals. 

In order to glean more into what impact investing is and how it works, I sat down with Sylvia Kwan, CFO of Ellevest to talk about how they invest for you, with $0 minimum and low fees.

They Believe in the Power of Women

“Not only are companies led by women more successful, but women leaders hire more women and pay women more.  We also direct trillions of dollars in consumer spending (think about it who makes all the grocery decisions and spending decisions); one estimate has women directing $72 trillion by 2020. So we can do this; it won’t even be hard. We can change the game.”

They Believe In The Power of Smart Tech

At Ellevest, impact investments are specifically designed to generate measurable, positive social and/or environmental outcomes —with a focus on advancing women. Through these funds, Ellevest actively supports businesses that work to improve the environment, support and advance women, and enhance lives around the world.

Here are examples of what investments in the digital Ellevest Impact Portfolio include:

  • Funds that support growing small businesses owned by women and other underrepresented populations.
  • Funds that invest in companies that care about sustainability, value transparency, and good governance, and promote social responsibility (ESG).

As more women invest, we will demonstrate through our collective force that we believe in each other enough to invest in each other.  We will show our economic power by choosing investments that advance women and help improve our world.

In fact, management consulting firm McKinsey finds that the global economy could be between $12 trillion and $18 trillion larger in 2025 if women were employed at the same rate, in the same roles, with the same pay as men. $28 trillion??? That’s bigger than the gross domestic product of any single country on this planet, including the United States and China.

In other words, investing in women is good for business. It also good for the economy, and good for people of all genders. Win-win. Please join us. You can learn more here.

Simple. Adaptable. Practical

Ellevest’s impact investments look at companies not just for their earnings potential, but also by how well their environmental, social, and governance (ESG) practices are lined up.”

Here are some examples:

  • Companies with high environmental standards
  • Companies that hold high social standards
  • Companies with high governance standards

So, you might be asking now why that matters for women.  It matters for women because investing in companies with an ESG lens helps advance women because all of those factors — environment and climate change, poor governance and corruption, unequal pay, and the lack of gender diversity — all have a disproportionately higher effect on women.

Let’s do this. Women direct trillions of dollars in consumer spending. It’s time for us to use our financial power to change the money for all women (more on why here). So, by investing in companies with high ESG standards, we’re not only making money, we help to advance women around the world. And that’s worthwhile all by itself, of course.

Working to put more money in the hands of more women isn’t just the right thing to do — it’s the smart thing to do. And it’s time.

Let’s disrupt money. Together.

For when you don’t have a retirement fund… 

Don’t sound the alarm – yet.  Ellevest can get you set up in less than 10 minutes so you can reach all of your money goals. Sans judgment, finance jargon, and trust issues. Crisis, averted. Get into it  here.* 

Click here to create your free Investment Plan from Ellevest
PHOTO: Ellevest

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We’re excited to be working with Ellevest to start conversations about women and money. If you become an Ellevest client, we will be compensated.

Questions? We’re here to help. Leave us a comment and we’ll get back to you!

What Is an FU Fund — and How Much Money Should Be in It?

What Is An Emergency Fund and How Much Should Be In It?

If we’re being honest with ourselves, most of us have experienced times when life hasn’t been that great. It happens to the best of us. We need to deal with the financial stress of every life hiccup while trying to solve the problem itself, which often makes us even more stressed out. In fact, research shows that the top reported stressors are money related — especially for a woman.

So how can we take care of ourselves and make sure we are “insured” when times aren’t that great?

The first step is to set a strong financial foundation, and this begins with making sure we have enough money saved in case of an emergency, the old emergency fund. Best kept in a savings account, an emergency fund is useful for unexpected expenses.

Here, we explain how to start building your emergency fund — an essential first step to a strong financial foundation. 

1. What exactly is an emergency fund?

It’s not some complicated bond or mutual fund. No. An emergency fund is essentially a financial buffer set aside to make sure you have enough to cover your needs in case of an emergency. The financial buffer an emergency fund provides can keep you afloat in a time of need without having to rely on credit cards or high-interest loans.

“Life is full of things we didn’t plan, right? I know a 29-year-old woman who left her husband and her job in the same month.“The kicker? She was also now going to be a single mom,” says Sallie Krawcheck, former CFO of Citigroup and equity analyst turned founder and CEO of Ellevest, a digital investment platform. “Here’s how she avoided bankruptcy and Bedlam: She had a year’s worth of take-home pay in cash. That’s not just F.U. money—that’s serious GO ME money.”

So, whether you’re a single recent college grad or a seasoned professional in a long-term relationship, you need an emergency fund. And this should be held in cash, rather than invested.

https://www.instagram.com/p/BeWZRYeBII6/?hl=en&taken-by=ellevest

2. Calculate Your Number

First things first: Determine how much to save in your emergency fund.

Although there’s no perfect number for how much you should stash away,  a good benchmark that financial experts suggest is saving three to six months’ worth of your living expenses.

That might sound like a lot, but we’re not expecting you to get there overnight. Ideally, you start by saving up one month’s worth of expenses before you prioritize any other big financial goal.

So how do you know what your expenses are? You should avoid guessing and take the time to figure out how much you spend every month in the main spending buckets.  Here’s what we mean:
  • Fixed monthly expenses: These are recurring costs like rent, utilities, car payments etc. Essentially, your fixed monthly expenses that don’t fluctuate too much from month to month.
  • Minimum debt payments: This is the amount you have to pay each month to keep up with your loans (like your student loans), credit cards and other debts you may have.
  • Non-monthly expenses: These are the costs that you have to pay once or a few times a year, like insurance premiums, car registration, and travel fees.
  • Flexible spending: Flexible spending is costs like food, clothes, entertainment and any other discretionary spending that can vary widely from month to month.

(If you need more info, here’s an emergency fund calculator from NerdWallet).

3. Open a Separate Account for Your Emergency Fund

In order for your emergency fund to be there when you need and it, it must be both safe and readily available. Financial experts recommend keeping your emergency fund in an FDIC-insured account that you can access easily if you need quick emergency cash.

This means that these assets are insured by the Federal Deposit Insurance Corporation, which the U.S. government describes as “an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.”

A good option is Ellevest, who we mentioned before. They believe their clients can’t afford any investment risk with their emergency money, so they place all assets in their Emergency Fund goal in FDIC Cash. (And they actually do provide those at Ellevest, for free).  Sign up in less than 10 minutes right here.

Here’s where’s where you shouldn’t put your emergency fund:

  • Under the mattress. Sure stashing cash close at hand might sound like a good idea, but your money could easily get lost, stolen or destroyed. Not to mention, it’s literally losing value thanks to inflation.
  • Your checking account. This isn’t the worst place to keep your emergency fund, but if you keep it in your checking account, you’re likely to use it for something other than an emergency. Ideally, the bank that holds your savings account will also be different from the one that holds your checking account so you won’t be as tempted to make an easy transfer for a non-emergency.
  • In the stock market. True, you may be able to grow your money faster than keeping it in a savings account, but you’re also taking on a risk that could cause you to lose some or all of this emergency money. Plus, if you were to sell off investments to help pay for an emergency, you might have to pay taxes on your gains.

3. A Few Ways to Save Now

Right now, you might think you don’t have extra cash to put towards building an emergency fund, but you can gradually reach your goal with some intentional saving and a little creativity.
 
Here are some ideas to get you started:
  • Start saving a small amount and build momentum. Pick an achievable money goal and grow it from there. Maybe it’s just saving $50 a month or 5% of your paycheck. As you get used to saving that amount, consider increasing it over time. Setting up a recurring transfer from your checking to your emergency fund savings account can help make sure you’re not neglecting that emergency fund.
  • Sell something. This seems obvious, but a great way to free up some cash is to sell something you don’t need anymore. Have some extra furniture you don’t need it. Sell it on eBay. Have a designer bag that was an impulse buy and you never wear. TheRealReal is a great place to sell it.
  • Research where you can get money back. Is there a subscription you don’t need anymore, or could you cook one more day a week and eat out less? Divert that cash into your emergency fund. Think creatively: do you really need that Netflix subscription?
  • Stash away any windfall money. Get an annual work bonus, tax refund or even inheritance? Deposit some (or better yet, all!) of that bonus money into your emergency fund.

4. Check On Your Emergency Fund As Needed

Once you have a system in place for saving, remember to review your emergency fund regularly. What we mean by this is: check your plan from time to time. See what elements of your strategy are working and what elements aren’t working and where you’re willing to do even more.
 
Motivate yourself by tracking your progress toward your goal number. You may need to adjust your goal dollar amount if you get married, start a family,  or face some other increase in your expenses.
 
Finally, once you’ve reached your emergency fund goal, look ahead to what’s next. With a solid buffer in place, you’re in a better position to pay off debt faster, put more toward retirement, start saving for a home down payment or plan that vacation of your dreams. If (or rather, when) you do tap your emergency fund, remember to replenish it as quickly as you can to keep your safety net intact — that way you’ll be prepared for the next emergency that may come your way.

Don’t have an emergency fund set up – yet? Ellevest can help you set one up for free and help you reach all of your money goals. Sans judgment, finance jargon, and trust issues.  Get into it here.*

The Bottom Line:

Although there are risks that come with investing your money, there is also the potential for rewards — namely, helping you grow your money so you can meet your financial goals faster than if you had, say, put your money away in a basic savings account. So start today, even if you put away 2% of your income into a 401(k) or an IRA. Your future self will thank you.

For when you don’t have a retirement fund… 

Don’t sound the alarm – yet.  Ellevest can get you set up in less than 10 minutes so you can reach all of your money goals. Sans judgment, finance jargon, and trust issues. Crisis averted. Get into it  here.* 

Click here to create your free Investment Plan from Ellevest
PHOTO: Ellevest
Want more? Here are a few more personal finance pieces:

How to Divvy Up Your Paycheck for Financial Success: The 50/30/20 Rule

Make 2019 The Year You Get Started Investing

3 Reasons Why You Need a Roth IRA- Even If You Have a 401(k)

Disclosures: We’re excited to be working with Ellevest to start this conversation about women and money. We receive compensation if you become an Ellevest client. Questions? We’re here to help. Leave us a comment and we’ll get back to you! 

15 Pretty Handbags You Can Score on Amazon for Less Than $100

15 Pretty Handbags You Can Score on Amazon for Less Than $100

If like me, you like to give your wardrobe a little sartorial boost at the start of a new year, I have some good news for you. While handbag shopping, I found that Amazon has a handful of great options. Yes, really. ICYMI, Amazon now makes shopping even easier because now we’re able to find our favorite affordable brands, all with free two-day shipping! Looking for the perfect day bag but don’t want to splurge on this season’s It bag? Need a little pick-me-up after another morning hating everything in your closet? For under $100, a new handbag can arrive at your home in well you know — prime time.

With that in mind, today I’ve rounded up 15 of my favorite wear-anywhere handbags for you to shop all in one place. And no matter what your budget or style may be, I have a feeling you’ll find a few favorites to choose from.

Keep scrolling to see and shop!

UER Women's Trend Fashion Handcrafted Cow Leather Bucket Should Bag with Tassels Ornament (Black)
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Goclothod Large Shoulder Bag Women Holographic Envelope Clutch Handbag Chain Crossbody Bag Tote Purse (Silver)
Goclothod Large Shoulder Bag Women Holographic Envelope Clutch Handbag Chain Crossbody Bag Tote Purse (Silver)($15.99)
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YONBEN Crossbody Bag Bucket Bags with Round Bottom Lightweight and Stylish (Beige)
YONBEN Crossbody Bag Bucket Bags with Round Bottom Lightweight and Stylish (Beige)($31.99)
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Iswee Genuine Leather Tote Bag for Women Shoulder Bags Ladies Handbags and Purses Bucket Bags Hobo Bag Trendy
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FEIGITOR Genuine Leather Crossbody Bag for Women Retro Leather Handmade Round Messenger Satchel Handbag Crossbody Circle Purse (Coffee)
FEIGITOR Genuine Leather Crossbody Bag for Women Retro Leather Handmade Round Messenger Satchel Handbag Crossbody Circle Purse (Coffee)($118)
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YAVCOOL Small Crossbody Bag for Women Wide Strap Shoulder Bag Trendy Design Cluth Crossbody Purse and Handbag Top Zip
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Love Deliver Backpack Purse for Women Leather Fashion Designer Ladies Shoulder Bags Travel Backpacks With Wristlets
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Herald Large Tote Bags For Women Soft Winter Fluffy Fuzzy Furry Plush Top Handle Purse and Handbag With Shoulder Strap (Dark Grey)
Herald Large Tote Bags For Women Soft Winter Fluffy Fuzzy Furry Plush Top Handle Purse and Handbag With Shoulder Strap (Dark Grey)($29.98)
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These are the Books That Will Change Your Life, According to Successful Women

These are the Books That Will Change Your Life, According to Successful Women

A new year is officially upon us, which means it’s time to add some of the best books of the year to your to-read pile. From highly anticipated debuts written by up-and-female authors to financial prep books by some of the most well-known women in the industry, there are enough books on this list to keep even the most voracious of readers occupied for the better part of spring.

The authors range from women of power, entrepreneurs, and even a YouTube star (talk about #goals). By the last page of each of these great career books, you’ll be a different person.

In other words, you will be incredibly inspired. So, whether you’re in school, just started a new job, or you’re a self-made entrepreneur, add these books to your reading list for a more holistic, healthy and goal-oriented approach to healthy living in 2019.

Keep scrolling to see and shop what made our edit below!

For a Smarter Life

How to Skimm Your Life
TheSkimm How to Skimm Your Life
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The creators of every female millennial’s favorite newsletter, The Daily Skimm, are here to break down more than just the news and help you own every aspect of your life — from negotiating your salary to traveling on a budget.

Becoming
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In her memoir, Michelle Obama invites listeners into her world, chronicling the experiences that have shaped her – from her childhood on the South Side of Chicago to her years as an executive balancing the demands of motherhood and work to her time spent at the world’s most famous address.

Here’s How You Can Start Investing

Ellevest is an easy online investing tool using algorithms tailored to your salary, gender, and lifespan (aka your real life).

Get started in minutes with $0 minimum.

For a Healthy Bank Account

Please select product.
Earning It: Hard-Won Lessons from Trailblazing Women at the Top of the Business World
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How to Be a Bawse: A Guide to Conquering Life
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Our friends at Ellevest know a lot about how to handle that cash money. Their digital service uses an algorithm specifically designed for women’s incomes and life cycles to figure out the best investing strategy for you.

The platform is well-designed, easy-to-use, and speaks to our unique financial needs — whether that be planning for retirement, that Aussie vacation, or starting a family.  The best part? The advisors at Ellevest are incredibly knowledgeable and will help you every step of the way. Another big bonus? Ellevest has no minimum so you can start with as little as $5 today. Plus Style Salute readers get a little something extra to start you off. Learn more here.

⇒ Get Started Investing With Ellevest

For Professional Inspiration

#GIRLBOSS
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Boss Bitch: A Simple 12-Step Plan to Take Charge of Your Career
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You Are a Badass®: How to Stop Doubting Your Greatness and Start Living an Awesome Life
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For the Creative In Us

The Most Searched Female CEOs, According to Google

We still have a long way to go in terms of breaking that glass ceiling. However, through a heightened awareness of gender equality over the past few years, we’re seeing a gradual increase in the number of women who hold powerful roles in society.

The traditional gist of a woman only being able to successfully be a “domestic housewife” is finally being chucked out the window, and we’re continually amazed by all the trailblazing female leaders and entrepreneurs out there – as well as the amazing women who stay home and do the hard job of raising the family.

Did you Google “Safra Catz” this year? How about “Indra Nooyi”? Thanks to Google Trends, we know many of you did, along with Googling lots of other incredible women. Every year, Google releases its most searched for terms, including the most searched for CEOs of Fortune 500 companies —i.e.: it’s who we all wanted to know this year! And we’re pleased to see there was a section on the most searched for female CEOs of Fortune 500 companies (Bravo Google!). These women are trailblazing rockstars and living proof that women can and should be powerhouses in their own right.

Keep reading for powerful mantras from these seriously fierce women.

1. INDRA K. NOOYI

In an interview with Fortune magazine, Pepsi CEO, Indra Nooyi, was asked what was the best piece of advice she had ever received. Her reply was simple; “embrace tough assignments,” she said. Nooyi’s an advocate for challenging oneself and setting out to solve problems that many people end up giving up on. She asserts it’s an effective way to gain credibility and trust within any given corporation.

2. MARY BARRA

© 2010 John F. Martin/General Motors. This image is protected by copyright but provided for use under a Creative Commons 3.0 License for the purpose of editorial comment only. The use of this image for advertising, marketing, or any other commercial purposes is prohibited. This image can be cropped, but may not be altered in any other way, and each should bear the credit line "© GM Co." General Motors makes no representations with respect to the consent of those persons appearing in these photos, or with regard to the use of names, trademarks, trade dress, copyrighted designs or works of art or architecture that are not the intellectual property of General Motors.

Mary Barra, chairman and CEO of General Motors, reveals that in order to keep a healthy work-life balance, you need to stick to your daily agenda. She asserts that if you’re in a meeting that’s overrunning and you have another engagement elsewhere, you have every right to get up and leave that meeting. Barra claims that women should never feel guilty for not sticking around later at work than intended in order to see to a personal commitment, especially if those personal commitments involve their children.

3. VIRGINIA ROMETTY

Virginia “Ginny” Rometty is the current Chairman, President and CEO of IBM, and is the first woman to head the company. She’s always been a fierce go-getter, and encourages other women to do the same. “You never let someone define who you are. Only you define who you are,” says Rometty . Her advice is three-fold: accept risk, aim big, and never let anyone else tell you what’s possible.

4. SAFRA A. CATZ

Co-CEO of Oracle Solutions, Safra Catz, says the most important attribute of a leader is to remain flexible and open to new ideas. She advises those in business to listen, think and to not be afraid to change positions based on new facts. She recommends to ask tough questions and to really pay attention to your colleagues.

5. LYNN GOOD

Lynn Good is the CEO of Duke Energy and certainly stands out in a male-dominated field. One thing she stresses is to be passionate about whatever you do, including areas within your personal life, as not everything is about your career.

If you are an aspiring business leader, start building your skills with our favorite career reads below.

How to Grow Your Side Hustle While Keeping Your 9-5 Job

How to Grow Your Side Hustle While Keeping Your 9-5 Job

You work hard, we know it. You’re giving it your all at work, putting positive energy into your personal life, and maybe you even have a side hustle to bring in some additional cash. You really are doing it all. The way we see it as long as you put your mind to it, you can tackle as many jobs as you like.  Blogging, baking, photography, tutoring, Ubering, event planning, selling on Etsy – there are so many avenues for side-hustling.

And more and more women are exploring this avenue, proving it’s possible to have a passion hustle while still keeping your 9-5 job. In fact, a recent survey from Bankrate showed that more than 44 million Americans have a side hustle. The majority are Millennials — adults aged 18 to 34. You read that right. The coolest part? You are the #BOSS, and you have the freedom to be creative, pick your hours, and manage all the marketing.

“The extra cash isn’t the only reason we’re pursuing side-hustles. Side hustles help expand our skill set,” says Ellevest CEO Sallie Krawcheck in her new book, ‘Own It.’ “I’m hearing more and more women talking about their ‘side hustle,’ that is, a part-time job separate from their full-time job; and for many, it can be not just a way to earning extra income, but also a means of learning and expanding their skill set and earning more,”  says Krawcheck. “We’re also reaching out more for mentoring, and getting better at keeping up with the latest trends in businesses.”

The good news is we can all do it. And it all starts with figuring out our own fears of getting something off the ground.

Click through for five goals to focus on in order to grow your side hustle from idea to income. 

Choose a Realistic Idea

Choose something that you love to do, but also make sure that you can make a reasonable profit. Think, what is going to make people not stop raving, and coming back for more. Before you set your heart on an idea, make sure you do your due diligence of research on statistics, marketing tactics, and previous success of similar business models. All the work you put into the business model and prep will help you run your business effectively.

Build Your Vision

Keep your eye on the prize—no matter how busy your schedule gets. Plus, create a “vision board” with magazine cutouts, inspirational words, charts, and goals to focus. Every time you glance at this board, it will keep you on track and remind you of the business’s missions and goals.

Go Automatic

You’ll quickly notice that some tasks become redundant, and take up your precious time. When possible, try and automate business processes. This can be used anywhere from e-mail responses, blog posts, social media posts, or scheduling reminders. A few favorite sights and applications include WordPress, Promapp, Buffer, and CoSchedule. Our favorite though is Honeybook, your all-in-one project, invoicing and payments management tool.  When you use Honeybook, you can manage your business all in one place. Plus, Style Salute readers get 50% off their first multi-month plan.  Thanks to technology, this will lift a huge weight off your shoulders.

Use Social Media

Today, its all about branding yourself over social media. It’s important to keep your website, Facebook, Instagram, Twitter, YouTube, or any other media outlet buzzing with your side hustle’s latest and greatest offers and news. With our phones always at our hips, this goal is second nature. During your lunch break, Tweet about the daily deal. Having an active presence on these outlets will help you find new customers, and it will keep consumers engaged.

Nurture & Love

Like your very own baby, your side hustle needs plenty of love and attention. We totally get that some days you come home from work, and just want to Netflix and chill. But setting aside at least four hours a week in the early development of your side hustle is essential. This is when your baby is taking its first footsteps and needs to have a solid foundation (ideas, business plan, team, profit model, etc.). Once you’re on the market, you’ll have a better idea of how much time you need to dedicate each week. Just remember, it’s all about working efficiently in the small amount of extra time you have on your hands. Following a  schedule week to week will be super helpful in keeping you on target.

For when you a great idea for a business, but you don’t want to deal with all the admin work…

HoneyBook is here to help you get your plan off the groundGet into it here.*

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5 Transformative Money Resolutions

5 Transformative Money Resolutions and How to Keep Them

It’s New Year’s Resolution time. If you are still on the fence about making a resolution, then pick up a pen (or your smartphone) and go for it. If somehow “organizing your personal finances” didn’t make it to your top-of-list status in 2018,  it’s OK.  But real talk: It’ll take more time to catch up on money stuff the longer you let it go without taking control.

So, now what are some resolutions women might want to make in the new year? How can we achieve our goals in 2019? I have one simple piece of advice: make a money resolution.

Here’s what I know: we women don’t think about money as much as men do, and it is costing us a literal fortune over the course of our lives.

It’s time to change that. “Taking control of your money is probably the most important thing you can do and the best gift you can give yourself,” says Sallie Krawcheck, Co-Founder, and CEO of Ellevest, an automated investment platform for women.

We all want to live a happier, healthier life, and investing towards greater financial security is a key path to achieving your major life goals. Just like having a mentor at work to keep you motivated and focused in the workplace, it’s important that by the time you turn 30, you should have grown-up “adult goals” that will set you up for a successful financial future for years to come.

So here’s a roundup of her best advice on getting organized and making 2019 the year you’re on point with your money.

Keep reading for your 2019 money resolutions and how to keep them.

1. Make a Budget

Click here to create your free Investment Plan from Ellevest
PHOTO: Ellevest

Make a budget and stick to it. We We recommend the 50/30/20 rule. It’s a high-level, flexible budgeting framework that can help you control where your money’s going without having to count every penny. You may have splurged or gone a little overboard this year, so take the time now to evaluate your budget this year. If you want to know more about the 50/30/2o rule works, read this.

2. Take Advantage of Work Perks

Click here to create your free Investment Plan from Ellevest
PHOTO: Ellevest

Plan for the future. You work hard and in return your work gifts you with some pretty awesome perks. If your company offers a 401(k) retirement fund and a match, you should 100% be taking advantage of it.  The most common retirement plans take the form of a 401K facilitated by your employer or a Roth IRA, which is a terrific option for freelancers or individuals employed by a company that does not offer 401K.

“But, why? Can’t I keep the money and save it,” you may be asking. Because a 401(k) allows you to invest pre-tax earnings, which saves your tax bill in the long run. Your work is essentially dropping dollars into your retirement account before they hit your paycheck, and this might even mean matching your contributions (bonus points).

Have an old 401(k) from a previous employer that is languishing somewhere? Roll that over to Ellevest right away, because they now offer 401(k) rollovers as well as IRA transfers. It’s super simple and they’ll even make a personalized recommendation regarding whether rolling over your 401(k) to Ellevest is in your best interests. The best part? Ellevest will help you with the rollover process and charges no additional fees to rollover your 401(k). Put your 401(k)s in one place: an Ellevest retirement account.

3. Pay Down the Debt

Click here to create your free Investment Plan from Ellevest
PHOTO: Ellevest

If you’re in debt don’t be too hard on yourself. Most of us have been in some form of debt, whether that is student loans, mortgages, or credit card debt. The good news is you won’t be drowning in debt for long if you make it a priority to pay it off in 2018. The sooner you pay off your debt the sooner your credit score will increase, and all the more smiles you will have on your face.

4. Build a Cushion for Emergencies

Click here to create your free Investment Plan from Ellevest
PHOTO: Ellevest

Life happens, we get it. One of the best ways to deal with life’s punches is being financially prepared.

“Our grandmothers used to call it “Mad Money”; we call it the F.U. Fund,” says Krawcheck. Simply put, an FU Fund is extra cash put aside to make sure you can cover your needs in case of an emergency.  This fund should be 3 to 6 months of take-home pay in cash so that it’s easily accessible.  You can set up an emergency fund with Ellevest. Best of all, they offer super low-interest rates and don’t charge a management fee because they firmly believe in the importance of having an emergency fund before you start investing.

In a planning mood? See how an investment plan could help you manage your finances.You can get a personalized portfolio in under 10 min. And it’s made by women, for women.

⇒ Get Started Investing With Ellevest

5. Make Investing a Habit

Click here to create your free Investment Plan from Ellevest
PHOTO: Ellevest

“Build wealth like a boss.” This is the big resolution where you make a plan. According to Krawcheck, building wealth may sound unattainable; but instead of thinking about building loads of money, think about building money towards your future goals — i.e. going on that dream vacation to France, buying that dream house, or simply feeling like you’re “doing it right” and putting your money to work.

While saving money is great, it’s not enough. Why? Because the money that’s invested has the opportunity to earn more money thanks to compounding. So, when you invest, you’re setting yourself up for the potential to earn a lot more money (and we do mean a lot). Get into it.

Because yes, life gets distracting, but a goal without a plan is just a wish. In 2019, take that wish and turn it into a win.

Ready to open your investing account? Follow the link below and you’ll be taken to Ellevest for more information.

⇒ Get Started Investing With Ellevest