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Why Public Sector Workers Turn to Payday Loans

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When working in the public sector, there is a certain reputation around the pay that you will gain as a public sector worker, but also the number of hours that you will be working. In this article, we will be providing you with information as to why several public sector workers have turned to payday loans over time.

Government Salaries Are Not High Enough

When looking at why those working in the public sector are leaning on payday loans, you should first look at the obvious which is the pay that they receive. With pay not being high enough for the jobs that they complete, this leads to many leaning on unsecured loans UK options and payday loans to cover a financial difficulty such as unexpected bills or an emergency breakdown such as a car breakdown.

Pay Freezes Are A Regular Thing

In addition to the public sector workers not being paid enough, there are also regular pay freezes that have also had a significant impact on their finances. With many not seeing a pay rise for 7 years or more, several public sector workers have either taken to payday loans or a second job to ensure that the monthly income is enough to pay the bills and ensure that you are financially stable throughout the course of the year. With many still experiencing these pay freezes, this has become a regular thing for those in working in the public sector.

Inflation Rising Outdoes Pay Growth For The Public Sector

Another reason why the average public sector worker is the price of inflation. With inflation rising to 2.9% in May, the pay of the public sector workers is lacking as a result. With many showing concern at the rate at which the wage is lacking, there are several calls for pay to increase significantly to ensure that those in public sector roles are able to meet the requirements needed. This is important as this will make sure that they can earn a liveable wage and support themselves financially should they be faced with a financial emergency.

Public Sector Workers Are Left Financially Unstable

When you are met with a financial emergency it can be a stressful time, particularly if you have no savings to fall back on. With many leaning to loans in order to cover finances and others working another job to make sure the finances are organised, there are several ways that financial loans are helping them to pay off these unseen financial emergencies without damaging their credit score or stretching their budget to breaking point. However, with so much to consider, as well as an increase n pay for our public sector works, it is important to make sure we are monitoring this and changing pay accordingly.

With this in mind, there are several ways that changes to public sector pay and rules regarding pensions can change to ensure that those in the public sector are more financially stable.

Michelle has been a part of the journey ever since Bigtime Daily started. As a strong learner and passionate writer, she contributes her editing skills for the news agency. She also jots down intellectual pieces from categories such as science and health.

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Lifestyle

The Future of Education Through Patricia Vlad’s Eyes

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The traditional systems that once defined learning, rigid curricula, standardized testing, and a narrow focus on academic performance, are increasingly being questioned. And why is that?

Starting in the 1880s, thinkers like John Dewey advocated for a shift in teaching methods, leading to the rise of progressive education. Unlike traditional models that emphasize rote learning and job preparation, progressive education puts students at the center of the learning experience. Changemakers like Patricia Vlad also believe that hands-on, experiential learning is the key to deeper understanding. This approach prioritizes critical thinking, curiosity, and personal passions, encouraging students to become lifelong learners who actively engage with new ideas and problem-solving. Schools and parents that embrace this model focus not just on what students need to know but on how they can continue to grow and adapt throughout their lives.

As the world changes, so do the skills, knowledge, and adaptability students need to succeed. The future of education is about personalization, inclusivity, emotional intelligence, and meaningful learning experiences.

With years of global teaching experience, Patricia has seen firsthand how different education systems approach learning. She believes that the future of education must embrace neuroscience, technology, and self-awareness to create a system that is not just efficient but also empowering for students.

“Education should be about more than just passing tests. It should equip students with the skills to navigate life, understand their strengths, and feel empowered in their learning journey,” Patricia emphasizes.

The Future Belongs to the Emotionally Intelligent

Unlike technical skills that may become obsolete with automation, EI – our ability to understand and manage emotions, build relationships, and navigate challenges, remains uniquely human. It plays a crucial role in self-awareness, resilience, effective communication, helping individuals excel in both personal and professional life.

When it comes to EQ, think of it like this: Kids with strong emotional intelligence are better at handling stress, resolving conflicts, and overcoming challenges. Studies suggest that EQ is a stronger predictor of long-term success than IQ. And let’s be real, no matter how advanced AI gets, it will never replace the depth and impact of human connection.

How LevelUp Cultivates Emotional Intelligence Through Patricia’s Coaching

1. Learning Will Be Personalized and Strength-Based

Instead of forcing students to fit into a system, education will be tailored to each child’s learning style, strengths, and interests. Neuroscience-backed methods – such as learning based on attention spans, emotional regulation, and brain development research – will be used to create adaptive learning environments, allowing students to progress at their own pace.

Through tools like LevelUp, which incorporates the Big Five Personality Model, teachers and parents will have a better understanding of a child’s cognitive profile, enabling them to offer more personalized support.

2. Emotional Intelligence Will Be a Core Part of Learning

The future classroom won’t just cover maths, science, history, or even language – it will also focus on self-awareness, empathy, and social skills. As research shows language doesn’t just communicate thought; it actively shapes it. The intentional use of language can influence how the brain processes emotion, memory, and social connection – making it a powerful tool for developing emotional intelligence.

LevelUp integrates EI into its framework, ensuring students not only understand themselves better but also build confidence, manage stress, and develop strong interpersonal skills.

3. Education Will Be More Interdisciplinary

The future of learning will move away from isolated subjects and toward interdisciplinary education, where concepts from different fields are connected and applied to real-world problems.

For example, students might blend neuroscience with psychology to understand learning processes or combine technology and art to develop creative solutions.

4. Technology Will Support, Not Supplant Human Connection

In the classroom of the future, meaningful engagement between students and teachers will remain at the heart of learning. Peer collaboration, hands-on projects, and real-time feedback from teachers will continue to be irreplaceable elements of education. 

Technology will play a supporting role enhancing, rather than dominating, the learning process.

Whether through gamified modules, virtual simulation, or adaptive platforms, tools like LevelUp will be used intentionally to deepen understanding and personalize feedback, always in service of human connection, not as a substitute for it.

5. Schools, Parents, and Students Will Work Together

Education won’t be confined to the classroom. Parents will play a bigger role in guiding their children’s learning, using tools like LevelUp to track progress, support emotional development, and encourage curiosity at home.

By strengthening the parent-child-teacher connection, education will become a team effort, ensuring every student receives the support they need to reach their full potential.

A Future Built on Empowerment

By combining neuroscience, technology, and emotional intelligence, Patricia is helping to reshape education into something that prepares students not just for exams, but for life itself.

A truly effective education system values each student’s creativity and passions—not just their ability to recall information. Instead of just delivering information and expecting rote memorization for test scores, teachers encourage active, hands-on learning through projects, experiments, and peer collaboration. This approach allows students to explore topics that genuinely interest them, making learning more engaging, meaningful, and personal.

The LevelUp platform, developed under Patricia’s leadership, is contributing to a growing shift toward education that is rooted in self-awareness and real-world readiness. Additionally, emotional intelligence is a core part of learning, not an afterthought.

One story that sticks with Patricia is that of a student named Ethan, who had always been labelled “distracted” in class. His teachers described him as bright but inconsistent, often zoning out or fidgeting during lessons. When his LevelUp profile revealed high reactivity and strong openness, a new picture emerged: Ethan wasn’t disengaged—he was overwhelmed by too much information at once and thrived when topics were explored through hands-on, creative activities.

With this insight, his teacher began breaking tasks into smaller steps and introducing art and building projects tied to the curriculum. For the first time, Ethan started raising his hand during class and even stayed back after school to show his work. “We’d been trying to ‘fix’ him when all we needed was to understand him,” his teacher later shared.

It was a small shift, but for Ethan, it changed everything.

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