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What You Can Do Every Night To Make A More Productive Tomorrow

What You Can Do Every Night To Make A More Productive Tomorrow

We’re used to living life in segments: 24 hour days, 7 day weeks, 365 day years. Work, play, sleep. Morning, afternoon, night.

The way we segment our lives determines the activities that we select to do throughout the day. To be more productive, try on this new frame of mind. Instead, imagine life as a continuous flow where each moment follows into the next in one non-stop sequence from beginning to end. If you’re wondering what you can do differently to be more productive tomorrow consider these 7 suggestions.

Be grateful

No matter where you are in time and how things are going, there is always something to be grateful for. Find it and give thanks. Write it in your journal or on the notes app of your phone. If you are hard-pressed, be grateful for your ability to read this line. Not everyone can read and not everyone can see.

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Assess progress towards your long-term goal

It’s easy to get stuck in the minutiae of execution and lose sight of whether or not what you’re accomplishing every day really matters. Think about where you want to be long-term and look at how you spent your time for the day. How much time was dedicated to activities that will help you move towards your dreams?

If you’re not satisfied with that number, do something about it. If you have no idea where you’re spending your time, consider a time-logging app.

Create a list of 3 tasks you’ll finish tomorrow

Now that you’ve thought about your long-term goals and the associated tasks, create a list of 3 tasks that you can and want to accomplish tomorrow. Be clear about when and where you’ll accomplish these 3 tasks. If you use a calendar, make sure you schedule time on your calendar to work on them. Don’t add any new tasks until you finish 2 of the 3 on your list.

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Visualize a successful tomorrow

For the most part, you can predict quite accurately what tomorrow will look like. The meetings you have scheduled, the activities you have planned and the people you will see. Take time and imagine what a perfect tomorrow will look like from the moment you wake up until you go back to bed. Watch yourself accomplishing those 3 tasks that you’ve selected for the day and include bonus highlights. Maybe you catch your train, impress your client, or enjoy a great conversation with your good friend. Pick whatever you want it to achieve and believe.

Remember that mental rehearsal is not about fantasizing. Choose what the realistic ideal will look like. You might be surprised at how close you come to what you rehearse.

Make as many decisions about tomorrow as possible

Choose what you’ll wear and eat, along with any anything else you need to decide tomorrow the night before. This will free up your brain and help preserve your willpower for the more consequential decisions tomorrow. With more brain capacity and better decision making, you’ll see your productivity and energy rise.

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Write the first two lines

As an extension to front-loading your decision-making, set yourself up for success by starting the activity you plan to do tomorrow. If you’re a writer, write the first two lines of the article you plan to finish tomorrow. If you’re a parent, put the laundry you plan to wash in the washer. If you’re a doctor, lay out the files for the first two patients you plan to see. You get the point.

The hardest part of completing an activity is the start. If you can get that out of the way, you’re likelihood to actually finish the task when you decide to tackle it is high.

Sleep 8+ hours

There is no better productivity booster than sleep. When you get enough sleep, you can better focus on your plan for the day because you’ll have more self-control. Not only will you get more of the right things done, you’ll also notice your interactions with other people to be easier going. This is hard for those of you who do a lot. My advice is to see adequate sleep as one of your most important tasks to accomplish every day. Make it a priority.

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What routines or actions do you take the night before to set yourself up for a productive tomorrow?

Featured photo credit: Bed Time by VirtualWolf via flickr.com

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Robert Chen

Executive Coach

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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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