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How to Eliminate Procrastination (The Surprising Strategy One Man Used)

How to Eliminate Procrastination (The Surprising Strategy One Man Used)

In 2009, Fred Stutzman was a graduate student at the University of North Carolina. He was trying to grind out some important work on his thesis. But there was a problem.

His favorite coffee shop, which had previously been a quiet sanctuary where he could escape distraction and get work done, had just added a new and very dangerous feature.

Wireless internet.

Now Stutzman found himself constantly distracted by the endless supply of entertainment and social media on the web — even if he really wanted to get something done. He tried disconnecting from the internet, but it wasn’t that simple. He was always clicking it back on to “take a break.” He was constantly fighting the urge to check his messages and updates.

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Thankfully, Stutzman happened to be a programmer studying Information Science. When he went home that night, he decided to create a software program that would solve his problem.

The program he created was simple. You turned the application on, told it how long you wanted to focus, and it prevented your computer from going online for that amount of time. If you wanted to get back on before your time was up, you had to turn your computer completely off and reboot.

The program was called Freedom. Not long after Stutzman created it, the application went viral. It was picked up by NPR, The Economist, The New York Times, Oprah Magazine, Time, and nearly every major news outlet you can imagine. More than 500,000 people downloaded it.

It seems that many people were struggling with online procrastination.

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Why did Freedom work so well? And what can it teach us about sticking to better habits and mastering our willpower?

The Power of Decision Elimination

Making decisions over and over again will drain your willpower. This is true even if it’s the same, tiny decision — like constantly resisting the urge to check your email. (Another example is continually trying to follow a new, strict diet.)

You might be able to resist for 5 minutes or an hour or maybe even a week, but eventually, your willpower will begin to fade and you’ll give in. This is known as decision fatigue. In a previous article I discussed how it has a measurable impact on your willpower and the choices you make throughout any given day.

The Freedom app that Stutzman designed is effective not only because it prevents you from reaching the web, but also because it reduces decision fatigue. It eliminates your options and, as a result, doing the right thing becomes much easier. In other words, the application places a constraint on your behavior.

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This brings us to an important point: constraints can make it easier to stick to good habits by eliminating the number of decisions you need to make to move forward.

Constraints are a Good Thing

People often say that they want options. When it comes to getting things done, however, options aren’t always a good thing. When everything is a possibility, it actually becomes harder to make the right choice (or any choice at all). This is the paradox of choice.

Meanwhile, when we place a constraint on ourselves, it can become much easier to get something done. This is especially true if it is a constraint that forces us to start small.

  • If you want to start exercising, set a rule for yourself where you are not allowed to exercise for more than five minutes. You have to stop exercising after five minutes. I talked with a reader named Mitch who used this strategy to make his first six weeks of exercise very easy and then gradually built up to doing more. He ended up losing over 100 pounds. (Nice work, Mitch!)
  • If you want to become more creative, you can use constraints to drive your creativity. For example, you could write a book by only using 50 different words. This is the strategy Dr. Seuss used to write Green Eggs and Ham. (Full story here.)
  • If you want to eat more vegetables, you could limit yourself to only one type of vegetable this week. By limiting the number of choices you have to make, it’s more likely that you’ll actually eat something healthy rather than get overwhelmed trying to figure out all of the details of the perfect diet.

We often think that we want an open road and the ability to choose any direction for ourselves. But sometimes, what we need is a tunnel that can reduce our choices and send us in a focused direction.

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How can you eliminate the need to make the same decisions over and over again? How can you use constraints to drive your habits forward — even if it’s in a very small way?

James Clear writes at JamesClear.com, where he shares science-based ideas for living a better life and building habits that stick. To get strategies for boosting your mental and physical performance by 10x, join his free newsletter.

This article was originally published on JamesClear.com.

Featured photo credit: Lynn Friedman via flickr.com

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Last Updated on June 22, 2018

How to Nix Your Credit Card Debt in Less Than 3 Years

How to Nix Your Credit Card Debt in Less Than 3 Years

Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

Hint: there are ways that are easier than you think.

1. Consider consolidating multiple credit cards if possible

This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

2. Try to pay the full balance you spent each month at the very least

You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

3. Pay extra when you can – every small amount counts

This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

4. Create a plan on how to pay extra

Back to the main point, having this plan is giving you one less thing to think about.

This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

5. Cut out costs for services you do not use

If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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6. Get aggressive about it

Consider these points:

Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

7. Reevaluate your progress at set intervals

Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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Finally (and most importantly)…

8. Keep trying

Do not get discouraged. Pushing it off will make it worse. Just keep trying.

Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

Start knocking out your debt today

The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

Featured photo credit: Pexels via pexels.com

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