TIPS FOR A MONEY MINDSET MAKEOVER STOP THE SWIPE
If you’re still feeling the financial sting of the recent holiday shopping season or struggle to pay off your credit card throughout the year, it may be time to rethink your spending routine.
become a dangerous habit if we’re not careful, especially with technology making it easier than ever to overspend. Here are three ways to curb the urge to splurge. WIPE YOUR CARD INFO CLEAN. There’s a reason why many apps and websites enable you to save your credit card information; it makes it easier for you to spend money! If you’re looking to reduce how often you experience the rush of an instant purchase, enter your payment manually every time you go to check out. The extra time it takes to do so may be enough to help you realize whatever you wanted a moment ago isn’t as necessary as you thought. CHOOSE PAPER OVER PLASTIC. In addition to detaching your credit card information from your phone or computer, consider separating your card from yourself when you leave to go shopping. Carrying
cash instead of card is a helpful way to slow spending. For one thing, it helps you maintain a set amount to shell out, which you’re reminded of as the dollars disappear. Second, cash doesn’t carry an interest rate. When you spend $4 on that cup of coffee you can’t resist, you’ll be out $4, not $4.80 when using a card that charges an additional 20%. DELAY, DON’T DIVE. There will always be purchases, such as tickets for a concert that sell out within minutes or a future flight that becomes pricier as your departure date approaches, that will require you to reach for your credit card as soon as possible. That said, there are infinitely more things that you simply don’t need … at least not right away. When you encounter something online or in a store that you must have now despite it not being a scarce item, give it at least a day (or, even better, a week) before making your final decision.
Most of us are guilty of impulsive shopping from time to time, but an occasional indulgence can
Keep Your Claim Moving Forward AVOID THE TRAPS NOBODY WARNS YOU ABOUT
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Have an attorney review your paperwork. A professional can find any potential errors and correct them to avoid delays.
Getting hurt at work is stressful enough, but you shouldn’t also have to worry about your workers’ compensation claim getting stuck in limbo. However, even honest and deserving claims can be slowed down by simple mistakes. Let’s walk through what really causes delays and how you can avoid them. THE QUIET CLAIM-KILLERS YOU DON’T SEE COMING Most people assume delays happen because the system is slow. Sometimes that’s true, but more often, it’s something small and avoidable, like a missing signature or a short comment made to the wrong person at work. Paperwork trouble is one of the biggest culprits. The Ohio Bureau of Workers' Compensation (BWC) processes thousands of claims every day, and even one missing detail can send your file straight into the “needs review” pile. That can add weeks or months to your timeline.
Then there are employer disputes. Maybe your boss disagrees with how the injury happened or downplays how serious it is. Just ask Brenda, a client whose claim hit a wall after a supervisor casually questioned her injury’s severity. That one offhand comment triggered hearings, paperwork, and unnecessary stress. PROTECT YOUR CLAIM Think of your workers’ comp claim as a fragile package: Handle it carefully, or someone else might mishandle it for you.
These small choices add up, and they can be the difference between a smoothly processed claim and one that keeps getting pushed to the bottom of the pile. NAVIGATING DELAYS When your benefits are delayed, you deserve clear answers and a plan. Our team at Monast Law Office digs into the specifics, finds the holdup, and takes action quickly. We know how the BWC works, and we know how to move claims forward, often faster than clients can on their own. If your claim is stuck, confusing, or unfairly challenged, reach out. We’re here to help you protect your rights, regain control, and get the support you need to heal and move forward.
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Skip the social media updates. Even innocent posts get misinterpreted. If you’re injured and post a photo smiling at a birthday dinner, someone may try to use it against you. Don’t talk about your case at work. A well-meaning coworker or supervisor may give “advice,” share your situation with others, or accidentally say something that complicates your claim.
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2 monastlaw.com
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