2009 September | Life Management

Time Management – Are You a Time user Or a Time Waster?

30 Sep, 2009 No Comments

If you are like me, you’ve often wished there were 48 hours in a day instead of just 24. There never seems to be enough time to get everything done that you want. Since we just have about 16 hours a day not counting sleep time, it’s important how we use the time we have.

On the average, people waste about 2 hours a day. This is mainly from poor planning. If a person is unorganized, they waste time trying to find things, they miss appointments, they only do one thing at a time when they could be doing two.

Good time management is a major building block to success. Oftentimes, it’s not how much time we spend working but how efficiently we do the work. The key to successful time management is careful planning and setting priorities.Plan your day, your week, and your month in advance. Know when things need to be done. A great way to “buy time” is to multi-task. Do more than one thing at a time. There are many things that do not require concentrated mental effort. These are more easily combined.

“Failing to plan is planning to fail,”

-unknown

Even though I am a big pro football fan, I can’t justify sitting down and spending three hours watching a game. I have to be doing other things while I do it. Thank goodness for instant replay! I’ve found this is a good time to spend icing injuries or some other busy work. I can also record the games and watch them while exercising. I exercise about 30 minutes a day so during the football season I can watch a game during the week without wasting any time doing it.

When you run errands try to do as many as you can on one trip. If you are self-employed, you can combine personal errands that are on the way to a business errand and have the mileage written off as a business expense.

I’ve been fortunate to have been able to work at home for the past ten years. It’s been great because I hate to waste time commuting. If you must commute, you can use the time to listen to audio self-improvement tapes, audio books or anything educational.

If you are a regular exerciser and belong to a gym, think about working out at home. If you lack the space and money for exercise equipment, try traditional body weight exercises. A little research on the Internet can show you websites devoted to this subject. Even though I lifted weights for 20 years, I’ve converted to body weight exercises. I’ve found they feel better and get the same if not better results. Of course, if you go to the gym to socialize or network, that’s okay. You’re doing more than one thing at a time. You can go walking with your wife. That way you’re getting exercise and husband / wife interaction at the same time.

Setting priorities enables you to get the most important things done. Keep you eye on the big picture. Don’t let low priority things bump off the higher priority tasks from your schedule. If you’ve only got so much time, it’s imperative you spend your time doing the things that bring you the most benefit.

“Things which matter most must never be at the mercy of things which matter least.”

– Goethe

Time is so precious. If you want to be successful in life you need to be spending more time being productive and doing things that are moving you forward. Spending hours a day watching TV, playing computer games, or surfing the Internet is not productive time usage. We all need downtime but you need to determine how much is really necessary. If you use your productive time efficiently then you will have more time to relax and do the fun things.

Financial Success Isn’t Difficult

30 Sep, 2009 No Comments

Financial success isn’t a hard task to master. It simply takes dedication, hard work and a little old fashioned commitment.

But it also takes a little knowledge. Too many consumers are ignoring what are financial truths. They run up large amounts of debt just to appear successful to those around them. They surround themselves with things that only make them feel better for a minute.

They ignore the fact that a debt-free and well managed financial life is a wonderful way to eliminate stress, which is all too common in today’s world.

What do you need to do to become financially successful?

First, you need to spend less than you earn. Sounds easy, but it really isn’t. It is easier to spend less than it is to earn more. You simply have to cut your costs. You have to stop charging on your credit cards and you have to stop shopping. Look closely at where your money is going. Look at what you already have around you. Get all those projects completed before you buy things for a new project.

You have to have a budget and stick with it. Budgets don’t tell you how to spend your money, they tell you how to save your money. You can easily see where your money is going. You can identify areas that you can cut back on. Then, you can set spending goals. A budget is a great way to challenge yourself. There is nothing better than saving more money than you thought you could. Surprise yourself with a budget that works.

From your budget, you should be able to find the money to start paying off that credit card debt. If you are severely in debt, you may need to get a second job and sell some things to get a head start. Stop using those cards and start paying them off. They are draining the life out of your finances on a daily basis.

You should be contributing to a retirement plan. Research your options and take advantage of them. Don’t wait until tomorrow, it will be too late. Start now. When you pay off your debt, put that money to your retirement as well. Who knows — you may be able to retire early.

Once you have your debt paid off you should have a savings plan. There are goals that you can set for your savings. You may want new furniture or to go on a vacation. You should also save at least three to six months of money to cover your monthly expenses in the case of an emergency. This will cushion your budget from any repairs, emergencies, illnesses or job losses that may happen.

Financial success isn’t difficult. It is simply a habit that you have to nurture and maintain. Take the time to sit down and get started. Work on it until it becomes second nature. The more you work on it, the better you will become at it.

Life Management

Time Management – Are You a Time user Or a Time Waster?

Financial Success Isn’t Difficult

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