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Workers admit that money worries affect their performance at work by causing increased stress levels (40%) mental exhaustion (35%),decreased motivation (26%) and physical exhaustion (25%). More than a fifth (22%) admit that it led to reduced focus and concentration, and one in ten (10%) say it led them to increased sick days.",[],{"_key":497,"_type":29,"children":498,"markDefs":503,"style":37},"5cc34132de03",[499],{"_key":500,"_type":33,"marks":501,"text":502},"aa370d91b9df",[],"With this in mind, WEALTH at work has prepared the following tips for employers to help employees build their financial resilience.",[],{"_key":505,"_type":29,"children":506,"markDefs":515,"style":37},"7f48c314f323",[507,511],{"_key":508,"_type":33,"marks":509,"text":510},"7fc1e00fb0e9",[312],"Understand the needs of employees",{"_key":512,"_type":33,"marks":513,"text":514},"f7321cb0f689",[],"\nEmployees are likely to have different financial priorities depending on their life stage. 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For example, someone in their 20s can increase their pension pot by 25% by saving just 1% more if their employers were to match this. Making sure benefits are relevant and well-explained can really help take up and improve money management.",[],{"_key":541,"_type":29,"children":542,"markDefs":547,"style":37},"06f84a602c9c",[543],{"_key":544,"_type":33,"marks":545,"text":546},"d5b228481296",[312],"Help employees understand the difference between good & bad debt",[],{"_key":549,"_type":29,"children":550,"markDefs":555,"style":37},"f27882ce9396",[551],{"_key":552,"_type":33,"marks":553,"text":554},"6cc5066fd9bd",[],"Another important principle for employees to understand is the difference between good debt and bad debt. For example, a mortgage is a form of good debt – it makes sense to have a loan in order to own your home as it is a stable, easy to manage approach to long-term borrowing. However, it should still be reviewed occasionally to ensure that it’s a good deal. At the opposite end of the spectrum, debt with high interest payments such as payday loans and credit cards can get out of control if they are not repaid quickly. Employees should realise that it should always be a priority to pay off bad debt. For example, a debt of £3,000 with a rate of 18% APR, could take 10 years and 10 months to pay off paying £52 a month, with total interest of £3,836 paid. If that monthly payment was increased to £100 a month, the debt would be paid off in 3 years and 4 months, and interest paid would be only £1,011. If this was increased to £325 a month, the debt would be paid in 10 months, with total interest of £253 paid.",[],{"_key":557,"_type":29,"children":558,"markDefs":563,"style":37},"f5fc0951da24",[559],{"_key":560,"_type":33,"marks":561,"text":562},"447a91a8bce2",[312],"Stress the importance of an emergency fund",[],{"_key":565,"_type":29,"children":566,"markDefs":571,"style":37},"274bb6bba415",[567],{"_key":568,"_type":33,"marks":569,"text":570},"d87db590e0e3",[],"A lack of savings can have a serious impact on financial resilience. Many people unfortunately realise too late the importance of having emergency savings. Ideally, employees should have 3-6 months of savings which can be accessed at short notice should they or another member of their household face a fall in income due to redundancy, illness, or any other expense e.g. replacing the boiler or expensive car repairs. 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Building a good financial wellbeing programme is vitally important to help employees take control of their finances and put themselves in a more secure position in the future.”",[],{"_key":585,"_type":29,"children":586,"markDefs":591,"style":37},"91d1a368a448",[587],{"_key":588,"_type":33,"marks":589,"text":590},"4a619d78550d",[],"He adds; “Many employers now offer their staff financial education and guidance through workshops, digital tools and helplines to help them understand the key issues relevant to them. Topics can cover a range of financial matters such as debt & money management, managing savings and retirement. 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