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When it’s OK to Split From Your Current Employer

When news broke about Angelina Jolie filing for divorce from Brad Pitt, many were shocked to see the end of the Hollywood megawatt couple that is Brangelina (gulp, check that — past tense, was).

And as various headlines try to point to the cause of the split, as a career expert, I can’t help but think about how even when things seem ideal from the outside, what’s really going on can be quite different. For example, in your job.

[See: 10 Reasons to Quit Your Job Already.]

There are countless reasons to split from your current employer — we’re not here to judge, and neither should the people you surround yourself with. Here are some scenarios where it’s perfectly acceptable to put yourself first and “divorce” your employer.

You work for a toxic boss. Raise your hand if you’ve ever worked for a toxic boss. Now, raise your hand if you’ve ever left that job. If you raised your hand on the first question, you should definitely be raising your hand on the second one.

Whether your boss was that way when you first started working for them or they somehow morphed into an antagonistic bully over time — the point of the matter is this: Your boss should have your back. They should be in your corner. If you work for a boss who’s downright horrid, despite other people telling you to stay, you know deep down that the best answer for you is to leave.

You’ve been passed over for a promotion. That’s right, you clearly possess the skill set, experience and just like that, a promotion came and went — that is, to someone else on the team. Even worse, your boss opened a job requisition in order to hire someone from the outside for the very same skill set you demonstrate!

Sit down with your boss first and have a simple conversation stating that you thought you were qualified. Engage them in a dialogue — is there a reason why you were passed over, a specific skill perhaps you’re lacking? What can you do to develop your skills in that particular area so that the next time you won’t be passed over? And even if you get those answers, it’s still perfectly OK to start pounding the pavement. You can always land that promotion somewhere else!

[See: Famous CEOs and Executives Share Their Best Career Advice.]

The commute’s wearing you down. This one’s real and extremely exhausting. A reader recently mentioned their two-and-a-half-hour daily commute, even six months into a new job, was cumbersome. That alone is reason enough to give your two weeks’ notice.

Note: You may want to think outside the cubicle on this one — perhaps you can work from home two to three days a week to make your commute more bearable. Overall though, if there’s no flexibility, give yourself permission to move on!

Your skills are getting stale. Find yourself playing Candy Crush during one too many conference calls? Hello to boredomville. When you feel stale and your brain cells are on autopilot, it’s perfectly all right to separate from your employer. Sometimes it comes down to simply needing a change to get excited about your field again — even making a lateral move within the industry to experience another company’s inner workings and make new contacts.

Your annual increase has been barely there. One of the most effective ways to boost your pay is finding a new job. The national average pay increase this year is expected to be 2.9 percent, according to Mercer, a consulting firm headquartered in New York. That bears repeating — just 2.9 percent! So, if your increase is minimal, unfortunately that’s likely the norm. As for the good news? Rest assured, you can do something about it by realizing your starting salary somewhere else will probably be higher.

The employer lost their luster. Perhaps you previously drank the Kool-Aid or the company changed its values altogether. Whatever the case, when your ideals, values and ethics no longer align with those of your organization, it becomes increasingly challenging to work on their behalf.

In a new survey by the London-based professional services firm Ernst & Young of nearly 10,000 workers across age groups, less than half said they “have a great deal of trust” in their employer! That is reason to pause and find the nearest exit door — to a company with leaders and managers you can trust.

[See: Tips for Surviving a Career Transition.]

You need a change of scenery. And sometimes you don’t need a major reason at all, it’s simply time to move on — you realize other employers have more robust salaries, benefits packages and perks, oh my!

So, once you’ve decided it’s time to separate from your current employer, there are several strategies to do it amicably and with great tact. If we’ve learned anything from Brangelina (and almost every other celebrity split), things can get ugly fast. So talk to your boss, select your resignation date (and stick to it) and keep the conversation as well as exit interviews light and polite. Offer to help train current colleagues, write handwritten thank-you notes and ask your boss to be your reference — if you did all of the above, hopefully their answer will be yes!

There’s a well-known adage that says, “You never get the second chance to make a first impression.” Well, last impressions matter, too — always leave on a high note. Smile on the way out — not sarcastically, not smugly — simply grateful for the experiences and skills you’ve gained so you can now leverage them in your next career move — and all the ones that come after it.

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When it’s OK to Split From Your Current Employer originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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