C.H. Brown Co. - May/June 2025

TURNING TENSION INTO TRUST Smart Strategies for Handling Tough Customers

Rude customers are a growing problem for businesses.

According to the Society for Human Resource Management, more than 70% of workers experienced or witnessed acts of incivility daily for three months in 2024, damaging employee productivity and morale.

making eye contact, avoiding distractions, and signaling your interest by verbally confirming you hear their concerns.

Repeat a description of the customer’s complaint to show that you understand. For example, you might say, “If I understand you correctly, you’re upset because the product you received arrived too late for you to use.” This shows the customer you’re paying attention and validates their emotions. Figuring out the underlying issue can help you respond most effectively. Even if your business is not to blame, never descend to the level of an irate customer by abandoning your professionalism, politeness, or respect. Instead, apologize for their distress and work with them to find a solution. With luck and a little skill, you can turn that stressful encounter into an opportunity to show you are committed to excellent service — and transform that irate customer into a loyal, trusting fan.

Is it ever okay to “fire” a customer? Or is there a hidden upside to investing the time and energy required to win them over?

Challenging customers allow you and your employees to practice active listening and show empathy for the customer’s anger or frustration. Consider the possibility that the customer is having trouble understanding what to expect from your product or how to interpret the instructions. In some cases, the customer’s problems may have nothing to do with your company. They could be looking for attention or venting to ease their own anxiety over other issues.

To understand the problem in depth, allow the customer to voice their complaints completely — don’t interrupt them. Practice active listening by

BUDGET SMARTER, NOT HARDER

The Best Budget Apps to Keep Your Finances in Check

Honeydue: For Couples Honeydue is for couples looking to manage their finances together. Partners can link their bank accounts, credit cards, loans, and investments while choosing how much financial information to share. The app automatically categorizes expenses, sets spending limits, and sends alerts when nearing a budget cap. It even includes a chat feature for discussing transactions. Best of all, it’s completely free. PocketGuard: For Overspenders If you tend to overspend, PocketGuard is an excellent solution. The app tracks your bills, savings goals, and spending habits to show how much money you have left for daily expenses. The “In My Pocket” feature helps prevent overspending by giving you a real-time look at available funds. Alerts notify you when you’re approaching or exceeding your limits. Take Control of Your Finances Whether you need a structured system like YNAB or an app to rein in spending like PocketGuard, there’s an option for everyone. Choose the app that fits your needs and start making smarter financial decisions today.

Budgeting isn’t the most exciting thing in the world, but it’s vital if you want to reach your financial goals. Whether trying to break free from the paycheck- to-paycheck cycle, saving for a dream vacation, or keeping yourself from impulse-buying, the right app can make all the difference. Thankfully, budgeting apps have come a long way, and in 2025, these top picks will help you take control of your money. YNAB: For Serious Budgeters YNAB (You Need a Budget) is ideal for those who want complete control over

their finances. Using a zero-based budgeting system — income minus spending and savings should equal zero every month — this app ensures every dollar has a purpose before you spend it. Unlike traditional apps that focus on past transactions, YNAB helps users break the paycheck-to- paycheck cycle by planning ahead. You can sync bank accounts, credit cards, and loans and access the app across multiple devices.

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