If you’re a nursing student, this time of year generally brings a schedule full of midterm exams and projects. Many students say this time of year is the toughest for studying. The weather is still chilly, and everyone’s ready for something, anything, than what they have to get done.
Being a nursing student is stressful and pretty busy in general. You’ve got a lot of work to do, a limited amount of time, and haven’t shaken off the winter hibernation mode yet. If that sounds familiar, here are a few ideas to help you power through this tough time.
Block It Out
The news is full of upsetting events. Coronavirus. Politics. Climate change. Influenza. If you have a fear or an anxiety, there’s probably something about it in the news. You’ve got work to do and world events are overly distracting—but you also can’t just pretend it’s not happening. Set aside specific times to check in with daily events. Don’t scroll through on your phone every hour. Resist the urge to check the news on TV when you’re making dinner or eating with friends. Being in control over the way you consume the information will make it less distracting and leave you time to focus.
Find Your Study Sweet Spot
You might find studying in the library is not the best location for you. Maybe you prefer studying in the gym with the rest of your gym buddies or your team. Maybe a coffee shop is for you or a lounge in your school’s campus center. Or maybe your best study spot is a comfy corner in an academic building. Wherever you can focus on your work and get the most done is the place for you to go during midterms. Find that place and set yourself up with snacks, a water bottle or some coffee, and get your work cranked out.
Time to Relax Isn’t Wasted Time
Endless studying is actually going to work against you. Your brain needs to take breaks to help it process what you are learning and what you are trying to get done. The key is to plan it into your day. A couple of hours of cramming deserve to be followed by a short walk with a friend or some time listening to your favorite podcast or watching funny cat videos. Plan a dinner in which your only company isn’t just a textbook. Connect with your family, friends, or pets. Take time to eat. Watch a movie. You’ll actually give your brain a much needed rest so it, and you, can perform best.
Pay Attention to Self-Care
You probably are going to skimp on sleep during midterms. There’s a lot to get done and only so many hours in the day. But try to keep as much to a schedule as you can. Fit in short naps during the day if you’re really dragging—they will refresh you. In this time of flu and colds, be sure to wash your hands frequently with soap and water—even when you feel like you’re washing your hands all the time. Stay hydrated with lots of liquids (water is always best) or even fruits and veggies like watermelon and cucumbers. Get outside when you can because sunshine and fresh air are refreshing to tired bodies.
If you feel overwhelmed by the academics or the life overload, get help. Tutors, student success centers, study groups, or even reliable online help can give you a better understanding of work that you’re having difficulty with. Many schools offer counseling centers where trained therapists can help you manage the stress and anxiety many nursing students feel during midterms (or at any other time as well). The help is out there and taking advantage of it can help you through this tough spot.
Remember, midterms will be over soon enough and you’ll be on to the next great challenge that nursing school brings. This is part of the road to a career that will be rewarding to you and will make a huge impact on humanity. Good luck—you’ve got this!
Dr. Tammy Sinkfield-Morey, DNP, MAN, RN, PHN, CCRN, is a Nursing Supervisor at Gillette Children’s Specialty Healthcare in St. Paul, MN. In 2018 the March of Dimes named Dr. Sinkfield-Morey “Distinguished Nurse of The Year,” and the Minnesota Hospital Association appointed her as 2019 “Caregiver of the Year” for her work in Storying, Diversity and Inclusion. With her background, she was naturally inspired by the concept of the nurse’s salon, and started one in the Twin Cities dedicated to the needs of nurses of color [NOC]. In the latest issue of Creative Nursing, Dr. Sinkfield-Morey discusses the NOC salon and its history.
Nursing salons are a thing of beauty and dynamism! They provide opportunity for collegiality, comfort, collaboration, connectivity, and conversations about what’s on the hearts and minds of the participants.
I first experienced Marie Manthey’s Nursing Salon in 2013. In 2016, I revisited her gatherings and attended seven salons that year, when to my wonder, I realized that the issues on my mind as an African American nurse were quite often not the same as those on the minds of the White nurses present. During that same reflection, I was moved by the fact that during each of the salons, I was the only nurse of brown hue. Marie had reassured me that other nurses of color (NOC) attend the nursing salons; however, it is common for them to also be “the only” when at any one of the gatherings.
The experience of being “the only” was nothing new to me. I had spent most of my life as the only person of color in the spaces I inhabited. That was the case at the Catholic school I attend during my preschool, elementary, and middle school years, and I was, for the first 7 years of my professional career, the only nurse of color where I worked. It is not uncommon for a person of color to be “the only,” but it is almost never entirely comfortable.
Ta-Nehisi Coates beautifully articulates the sentiment of the feeling I had as a lone Black professional among my colleagues at one of the salons. He said,
“I knew that my portion of the American galaxy, where bodies were enslaved by a tenacious gravity, was Black and that the other, liberated portion was not. I knew that some inscrutable energy preserved the breach. I felt, but did not yet understand, the relationship between the other world and me. And I felt in this cosmic injustice, a profound cruelty, which infused an abiding, irrepressible desire to unshackle my body and achieve the velocity of escape.”
–Ta Nehisi Coates, Between the world and me
There it was.
I became consumed by the distance I perceived between the world of the other nurses and my own. I also recognized the healing moments and revelations that the nursing salons rather serendipitously rendered for their participants. I knew that these forums of uninhibited sharing and purposeful dialogue about all of our experiences as nurses could also be a sacred space for authentic discussions about race, racism, and the foundational contexts of discrimination and White supremacy in health care that people of color, as consumers and providers, have all experienced.
I pondered for weeks the possibilities for change. I wondered what could be accomplished by a collective of Black and Brown women and men in health care, gathering in conversation about what’s on their mind regarding the social construct we call race and the undermining behaviors and divisiveness that accompany it. What effect could it have on, for example, the experience of professional validation and emergence, and yes, even on the institution of racism?
Marie Manthey says, “Salons are lively gatherings where people engage in big talk—talk that amuses, challenges, amazes and is sometimes passionately acted upon. Most importantly, salons are gatherings where each participant forms and informs the conversation. Unlike formal meetings, they are opportunities where people can casually connect and share their experiences.” In addition to Marie’s view, I envisioned that a “NOC” salon would provide a shelter under which the burdens and pain of discrimination, racism, bigotry, bias, and White supremacy, that some of our professionals in health care experience when caring for others, could be spoken aloud, unharnessed, finally heard.
I knew in that instant that I needed to help create a space for nurses and other health-care workers of color to escape from the confines of prejudice and any other judgment they face in their practice; and I knew that a nursing salon for NOC, modeled after the salons that Marie had designed, would be the propitious space for the rich conversation that would emancipate our voices. In a loving moment of mutuality and grace, on June 19, 2018—Juneteenth (an African American holiday commemorating the date in 1865 when many slaves in Texas learned they had been freed by the Emancipation Proclamation of June 1, 1863)—we experienced our first NOC Nursing Salon in Marie Manthey’s home, a moment created as a catalyst for ongoing conversations.
At our first NOC salon we defined our purpose as having conversations about our lived professional (and personal) experiences with racism, difference, and the pursuit of inclusion and equality, on a continuum to learn from each other. Our intention was to convene as NOC, in dialogue about our individual and shared journeys and about our encounters with others who place less value on the beautiful essence of who we are. As we all consciously contributed, genuinely from our hearts, about the ways we deal with racism, we were empowered through learning each other’s stories. Through dialogue, we discovered hope that we could create opportunities to make our practices more inclusive, and reduce the biases and microaggressions that we experience. We established a safe and caring environment, centered around listening to each other.
Our subsequent NOC salon was filled with heartwarming, inspiring, meaningful, and interconnected dialogue. Prominent Black Nurse leaders and people of color in nursing joined in rich conversation and acknowledgment of our impact in nursing historically, and in nursing practice in general. We ended the salon feeling heard and acknowledged, having had the opportunity to share our personal experiences, both good and bad, that occur in our healing environments. We all participated in conversation about our positive and negative experiences of equity adversity and racial inequality in our practices.
True to the nature of the salon, these beautiful NOC and their hosts created a lively gathering in which we all engaged in big talk; talk about challenges we face as NOC, discussions about racism past and present, renewal of the spirits within us, and our endless passion for what and who we are as nurses. I have so much gratitude for the beautiful people who attended our salons and created an exquisite tapestry of thoughts, experiences, and new memories through which we can all grow, expand our practices, and share our voices. I look forward to more conversations at our NOC Salons on institutionalized supremacy and its corrosive effects on all of our bodies, Black and White. I am energized to create space through the power of the salon for the pursuit of knowing, and the right to declare our own curiosities as we “evolve towards some truth that is ultimately outside of the boundaries” (Coates, 2015) of our lives and bodies and our nursing practice.
To attend the NOC Salons in the Twin Cities, or to learn more about how to create a NOC Salon in your area, please visit our Facebook page: https://www.facebook.com/nursesofcolorsalon/
As 2019 winds to a close, several issues in the nursing industry remain prominently in the news and in the ongoing conversation around nursing as a profession.
What are some of the top issues of 2019 that will carry over into 2020?
80 Percent in 2020
The next year marks the end goal time period for the 2010 Future of Nursing report by the Institute of Medicine that called for 80 percent of registered nurses to have BSN credentials by 2020. According to the Campaign for Action, the ambitious goal won’t be met, but that doesn’t mean it hasn’t made a difference. The recap says that RNs with a BSN are at the highest percentage ever with 56 percent having the degree. That’s a seven percentage point increase since the initial report was issued. Even though the goal hasn’t been realized, there’s progress and that bodes well for the entire nursing industry.
Violence in the Workplace
The rate of violence against healthcare workers is skyrocketing. The thought of healthcare providers helping people and becoming targets of violent acts from patients and their social circles, disgruntled workers, or even random perpetrators is terrifying. Luckily, the government has recognized the problem and introduced H.R.1309 – Workplace Violence Prevention for Health Care and Social Service Workers Act to require organizations to develop and implement plans to protect workers. This bill passed in the House in November and is now under consideration by the Senate.
There is a lot of media attention on a projected nursing shortage over the next decade. As Baby Boomers continue to age and require more healthcare services, nurses will be a big part of that picture. According to the National Center for Biotechnology Information, U.S. National Library of Medicine (NCBI) the nursing workforce is also aging, spurring a shortage as it also provides a fantastic job market for nurses of almost any specialty. The issue will continue to attract attention.
Given the topics that are prominently in the news about nursing, it’s no surprise that nurses experience sometimes crippling job stress and burnout. When there aren’t enough nurses to care for a rising number of patients with increasingly complex conditions, the stage is set for nurses taking on too much. When that happens, their physical and mental health can suffer and that means patients aren’t getting the best care possible. This topic garners lots of attention by nurses themselves and by the organizations who recruit, hire, employ, and want to retain them.
Nursing as a Vibrant Profession
Nurses have professional pull. Routinely ranked as the most trusted profession, the nursing industry enjoys good salaries, opportunities for professional growth, respect, and increased independence. As an industry, nursing is committed to a more diverse, more educated, and more representative workforce and takes steps to meet those goals.
With 2020 on the doorstep, let’s see how these topics gains team in the next year.
Are you saving for retirement? Here’s your guide to getting on track with securing your financial future.
Saving for retirement can often feel so daunting that you push it to the back of your mind. When trying to manage your career and other personal finance goals such as buying a house and paying down debt, retirement planning and investing often takes a back seat. You know you should ask your HR department about the 401(k) plan your company offers, but you never get around to it. But it’s worth the effort now so that you are well-prepared for the future.
The truth is many Americans are not saving for their golden years. According to a 2018 survey by Northwestern Mutual, one in five Americans has nothing saved for retirement. And 78% of Americans are “extremely” or “somewhat” concerned about affording a comfortable retirement. One in three Baby Boomers (33%), the generation closest to retirement age, have between $0-$25,000 in retirement savings.
Generations X and Y are often saddled with student loan debt and stagnant wages, making it a struggle to save.
While these are scary facts, the good news is that once you take the time to educate yourself on the basics of retirement planning and you take a few smart steps to invest, you can largely put retirement investing in the back of your mind and not feel guilty that you aren’t taking necessary action.
Jane Bryant Quinn, author of How to Make Your Money Last: The Indispensable Retirement Guide, says many people don’t want to think about retirement planning. She also says that making projections and calculating retirement budgets can be a pain but is important to do.
“You have to add up your savings, estimate what you’ll get from Social Security, make an investment plan, estimate how much income your investments will provide, and estimate your retirement expenses,” says Bryant Quinn.
To help figure all of this out, Bryant Quinn says to create budgets. “If you’re married, make three estimated budgets—one for you as a couple, one for you if your mate dies first, one for your mate if you die first. For example, married couples get two Social Security checks (one for each). When one of you dies, the survivor will get the larger check but lose the other one. So, you have to plan for all circumstances,” she says.
Daniel Burke, CFP, ChFC, president of Burke Financial Group, LLC, says nurses spend their entire working careers caring for the needs of others, but often by doing this, they tend to neglect important planning components for themselves.
Are you ready to take action? Below are answers to the most common questions about retirement planning and investing to get you started on the road to a secure future.
What Are My Retirement Dreams?
Start with finding your why. What motivates you when you dream about your retirement? Do you want to spend a year traveling around the country in an RV? Do you want to move to a new city? Do you want to spend more time on hobbies such as gardening, crafts, or learning to speak Spanish? Or perhaps you want more time to devote to friends and family or a cause close to your heart.
Identifying the life you’d like to retire to can serve as a strong motivator as you start down the path of savings. It’s much easier to devote 15% of your income to your retirement account versus spending that money on something fleeting when you can envision the life you’re saving for.
How Do I Get Started?
“Benefits through the employer are a great place to start as nurses begin planning for themselves and their families,” says Burke.
Educate yourself on the retirement benefits offered by your employer. If your employer offers a 401(k) or 403(b) option with a matching benefit, sign up for the match immediately. If you are not taking advantage of your employer’s match, you are literally leaving free money on the table.
If your employer doesn’t offer a 401(k) option, then open a Roth IRA through a brokerage such as Fidelity or Vanguard. Contributions made to a Roth are after-tax contributions, but your money and earnings grow tax-free (meaning you will not pay taxes on any returns you earn from your investments).
What If I Haven’t Been Saving?
If you haven’t been saving anything for retirement, it’s important not to beat yourself up. You can’t go back and change the past, but you can commit to saving going forward.
Bryant Quinn offers the following advice, depending on your age.
New Grads: “Start a savings account, to have a little cash on hand. Put a little into your employer’s retirement plan, despite your student loan. If you change jobs, don’t cash out the amount you saved, take it with you to a new job,” says Bryant Quinn.
Mid-Career: Higher earning years means higher savings. “In your retirement plan, chose funds that lean heavily to stock market investments. It doesn’t matter if stocks go down. Throughout history, they have always come back,” says Bryant Quinn. “You have the time to wait. It’s your best shot at a nest egg. Keep contributing to your plan, even if your kids are in college (or at least try to).”
Near Retirement: Time to plan. “Keep investing in stock-owning mutual funds,” says Bryant Quinn. “You will probably live another 30 years (or more—my mom made it to 103). Over such a long period of time, stocks always go up.”
How Much Should I Save?
If you’re starting from scratch, a good starting point is to invest enough to get any company match offered by your employer. This is essentially free money and everyone should take advantage of it. For instance, if your company offers a 5% 401(k) match, you should invest no less than 5%. But that’s just a starting point.
Another strategy that Bryant Quinn suggests is to simply start by taking at least 5% out of every paycheck and putting it into your 401(k) or 403(b). “If you’re already contributing, increase the amount. What will happen when you get a slightly smaller net paycheck? Nothing will happen. We all tend to spend whatever money we have in our checking accounts. If there’s less in your account, you’ll spend less—even without a budget,” she says. “You’ll make small adjustments without realizing it. It’s the only magic I know in personal finance.”
If your company does not offer a 401(k) program or a match, you can open a Roth IRA through a brokerage service on your own.
“If you have no plan [at work], Individual Retirement Accounts (IRAs) can be purchased at low-cost no-load mutual fund groups such as Vanguard. They’re available at banks, too, but usually with higher fees. Always choose low-cost investments,” says Bryant Quinn.
Once you start gaining some confidence in your knowledge and are eager to save more Bryant Quinn suggests utilizing financial resources, such as online retirement calculators and budgeting tools to estimate retirement living expenses.
Overall, determine a percentage goal that works for you and challenge yourself to increase it incrementally (e.g., every six months or annually). You can also boost your savings effortlessly by automatically investing any annual or performance raises you receive. If you were living on what you made before you got a raise, just keep living off of that amount and invest the extra income.
Do I Need A Financial Planner?
If all of this sounds complicated and you would like a helping hand, consider working with a financial advisor. But choose wisely as many financial advisors get paid by selling you on specific mutual funds, often with high fees. These fees will eat away at your nest egg.
Your best bet is to hire an independent advisor who is fee-only or paid directly by you by the hour. Your company may provide consultations with an advisor from the administrator of your 401(k)/403(b) plan, but it’s important to remember that their loyalty is first and foremost with their employer, not you.
What Is the Biggest Mistake I Could Make?
“Not saving enough,” says Bryant Quinn. “You can save money, even if you’re living paycheck to paycheck.”
With the recent groundswell of the MeToo movement concerning sexual harassment and power inequity, it’s no surprise that industries across the board are reevaluating their working cultures. Health care is no exception and the recent Time’s Up Healthcare movement is gaining attention.
The movement began as a response to the Time’s Up Foundation’s widespread success at promoting safe and healthy work environments and calling attention to how power plays a role in harassment people experience in the workplace.
Time’s Up Healthcare’s website states a mission “to unify national efforts to bring safety, equity, and dignity to our healthcare workplace.” The organization, in partnership with organizations such as the American Nurses Association, American College of Physicians, and the Council of Medical Specialty Societies aims to call attention to the disparities in health care workplaces and the undue burden that kind of culture can carry.
When nurses work in an environment where they are concerned about their own safety or that of their colleagues, the quality of care they can give to patients can be disrupted. The distractions caused by an environment where sexual harassment is either accepted or present but expected to be ignored are enormous. Health care workers in those situations can feel the implications of that stress physically, mentally, and socially.
Instead of being able to concentrate on giving the best care possible, health care workers must constantly weigh the risks. They are required to take the temperature of their workplace and wonder what kind of retribution might happen if they speak up. The cost of speaking up could mean losing their job or even enduring additional threats.
Workplaces like this are entirely unacceptable. Time’s Up Healthcare is shining a spotlight on what’s happening and why it needs to change. The movement is hoping to also build a support network where people who are impacted by harassment at work can go for resources and direction. They also hope to promote an awareness around the issue and exactly the kinds of situations or scenarios that might fall under this kind of problem.
With that aim, the organization hopes to help eliminate this problem. Through education and trainings, harassment and power inequity can be challenged, examined, and eliminated.
Harassment is not okay. Nurses and other healthcare workers deserve better. Their patients deserve better. Time’s Up Healthcare is taking that big leap.
If you are one of the many Americans whose savings plan has been impacted by a smaller-than-expected tax refund this year, it might be a good time to consider changing your financial planning approach.
Lots of people consider the tax return windfall they get every spring as an unofficial savings bonus. In reality, it’s a poor way to save money. The government ends up having your money until you file your taxes. That money does nothing for you while the government holds it. It’s not earning any interest, and it’s not being used to invest in any kind of growth fund.
A more sustainable plan is to make a better estimate of your tax withdrawals so you can retain control of that extra money. You can decide how to invest it so you earn money. Even if you are only earning a small amount, the funds are gaining something they otherwise would not.
Whether you are a new employee just signing up for your withholding or a long-term employee ready to make a change, it only takes filling out one form, the Employee’s Witholding Allowance Certificate or W-4, to change your withdrawal amounts. If you are unsure of how many deductions to claim, you have lots of options to learn about how to handle your money.
Organizations like the National Association of Personal Financial Advisors offer consumers resources to help find what they need. You might just need some advice on how to use your money wisely instead of getting a lump-sum tax refund. Or maybe you’d like to know your options on how to do that and also use your latest pay raise to start or add to a retirement plan. Often a fee-only advisor, who will not earn any commission on products or services, will discuss the best options for your personal situation.
The Financial Insdustry Regulatory Authority website contains valuable information about investing, understanding certain financial brokerage processes, and the difference between financial products and professionals. Websites like The Motley Fool, Kiplinger, or Bankrate give both novice and advanced consumers information they can use. Whether you need information on multiplying your savings for retirement, figuring out how much you can afford for a mortgage, or consolidating your credit card debt, you can get reliable, accurate information if you know where to look.
Once you are armed with information, you can decide if hiring a professional is your next best step. Generally a few hours with a fee-only advisor will pay for itself several times over. They can help you save thousands of dollars while also showing you how to take steps to grow your money, too.
While that boost of cash at the end of tax season is welcome, with a little planning, you can make it even better. And the more control you have over your own money, the better off you will be.