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How To Boost Your Budget This Christmas

How To Boost Your Budget This Christmas

Tech trade-in sites such as Mazuma offer a chunk of cash in exchange for unwanted mobile devices, which can be handy for cashing in when you upgrade or switch deals. With our viewing habits increasingly moving online, our DVD shelves are often a bloated and unused repository for clutter these days. High street exchange stores like CeX are a great way to cash in on your unwanted media and technology, and redeem for cash or in-store credit.

But saving money doesn’t necessarily mean selling, clearing or working extra hours. Simple changes to your day-to-day lifestyle can yield a remarkable saving. Taking a packed lunch to work, cycling rather than taking the bus, or moving your weekly shop to a more affordable supermarket can save as much as £30 to £40 a week. And who knows? Your budgetary innovations may open up new experiences and cost-effective habits that stick around beyond new year.

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Every saving will add up to something special. By combining these online and offline solutions, you can find real wiggle room in your budget for festive frivolity.

The days are getting shorter, and our budgets are getting tighter. With Christmas on the horizon, the prospect of funding the festive season can feel like a little too much pressure on the purse strings. Don’t panic though – there are many simple, stress-free ways to make a little more money in time for yuletide. Relax and indulge your friends and family this year by building your very own Christmas bonus.

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Playing the markets

There are any number of nifty solutions for making money online quickly. Many cannot be actioned overnight, and require a long-term strategy and effort. However, some sites allow you to sign up and start earning money almost straightaway. Sites such as Swagbucks allow you to ‘put cash back in your wallet’ by completing quick surveys when you search, shop, watch and browse online. There are loads of these sites out there, and there’s good money to be made – users often earn upwards of £200 per year. For the dos and don’ts for this form of money-making, check out this guide.

Taking part in simple market research is also a healthy budget booster. Create a profile then accept ‘tasks’ on sites such as Streetspotr, Roamler and Field Agent. You will be expected to pop in to shops and businesses and carry out a basic request, such as taking a photograph or checking a price. You earn money for every mission you complete, which will add up sharpish if you can integrate the tasks into your daily routine. Many of these sites work with nationwide high street brands – so it could be delightfully simple for you to make a little extra money on your walk to work, or during your lunch hour. Signing up for a real-world research recruitment agency can also be very lucrative. They’ll book you into evening focus groups, perfect for fitting around your schedule.

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Declutter for Christmas

While a spring clean may not be seasonally appropriate right now, it can still have a transformative effect on your home. Decluttering is proven to boost productivity and improve mood – and can lead to a little extra cash if you can sell those unloved shoes or superfluous home-wares online. Marketplaces such as eBay can seem tremendously old hat these days, but there is still a huge audience and money to be made if you have the time to promote and post your unwanted paraphernalia. If you’ve got clutter to conquer, selling online can be the fastest way to monetize your miscellany.

Saving money for Christmas? Do you have any other top money-saving tips to bolster your budget? Let us know!

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Featured photo credit: Lights up the darkness / Susanne Nilsson via flickr.com

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Last Updated on October 20, 2020

How to Stop Procrastinating: 11 Practical Ways for Procrastinators

How to Stop Procrastinating: 11 Practical Ways for Procrastinators

You have a deadline looming. However, instead of doing your work, you are fiddling with miscellaneous things like checking email, social media, watching videos, surfing blogs and forums. You know you should be working, but you just don’t feel like doing anything.

We are all familiar with the procrastination phenomenon. When we procrastinate, we squander away our free time and put off important tasks we should be doing them till it’s too late. And when it is indeed too late, we panic and wish we got started earlier.

The chronic procrastinators I know have spent years of their life looped in this cycle. Delaying, putting off things, slacking, hiding from work, facing work only when it’s unavoidable, then repeating this loop all over again. It’s a bad habit that eats us away and prevents us from achieving greater results in life.

Don’t let procrastination take over your life. Here, I will share my personal steps on how to stop procrastinating. These 11 steps will definitely apply to you too:

1. Break Your Work into Little Steps

Part of the reason why we procrastinate is because subconsciously, we find the work too overwhelming for us. Break it down into little parts, then focus on one part at the time. If you still procrastinate on the task after breaking it down, then break it down even further. Soon, your task will be so simple that you will be thinking “gee, this is so simple that I might as well just do it now!”.

For example, I’m currently writing a new book (on How to achieve anything in life). Book writing at its full scale is an enormous project and can be overwhelming. However, when I break it down into phases such as –

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  • (1) Research
  • (2) Deciding the topic
  • (3) Creating the outline
  • (4) Drafting the content
  • (5) Writing Chapters #1 to #10,
  • (6) Revision
  • (7) etc.

Suddenly it seems very manageable. What I do then is to focus on the immediate phase and get it done to my best ability, without thinking about the other phases. When it’s done, I move on to the next.

2. Change Your Environment

Different environments have different impact on our productivity. Look at your work desk and your room. Do they make you want to work or do they make you want to snuggle and sleep? If it’s the latter, you should look into changing your workspace.

One thing to note is that an environment that makes us feel inspired before may lose its effect after a period of time. If that’s the case, then it’s time to change things around. Refer to Steps #2 and #3 of 13 Strategies To Jumpstart Your Productivity, which talks about revamping your environment and workspace.

3. Create a Detailed Timeline with Specific Deadlines

Having just 1 deadline for your work is like an invitation to procrastinate. That’s because we get the impression that we have time and keep pushing everything back, until it’s too late.

Break down your project (see tip #1), then create an overall timeline with specific deadlines for each small task. This way, you know you have to finish each task by a certain date. Your timelines must be robust, too – i.e. if you don’t finish this by today, it’s going to jeopardize everything else you have planned after that. This way it creates the urgency to act.

My goals are broken down into monthly, weekly, right down to the daily task lists, and the list is a call to action that I must accomplish this by the specified date, else my goals will be put off.

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Here’re more tips on setting deadlines: 22 Tips for Effective Deadlines

4. Eliminate Your Procrastination Pit-Stops

If you are procrastinating a little too much, maybe that’s because you make it easy to procrastinate.

Identify your browser bookmarks that take up a lot of your time and shift them into a separate folder that is less accessible. Disable the automatic notification option in your email client. Get rid of the distractions around you.

I know some people will out of the way and delete or deactivate their facebook accounts. I think it’s a little drastic and extreme as addressing procrastination is more about being conscious of our actions than counteracting via self-binding methods, but if you feel that’s what’s needed, go for it.

5. Hang out with People Who Inspire You to Take Action

I’m pretty sure if you spend just 10 minutes talking to Steve Jobs or Bill Gates, you’ll be more inspired to act than if you spent the 10 minutes doing nothing. The people we are with influence our behaviors. Of course spending time with Steve Jobs or Bill Gates every day is probably not a feasible method, but the principle applies — The Hidden Power of Every Single Person Around You

Identify the people, friends or colleagues who trigger you – most likely the go-getters and hard workers – and hang out with them more often. Soon you will inculcate their drive and spirit too.

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As a personal development blogger, I “hang out” with inspiring personal development experts by reading their blogs and corresponding with them regularly via email and social media. It’s communication via new media and it works all the same.

6. Get a Buddy

Having a companion makes the whole process much more fun. Ideally, your buddy should be someone who has his/her own set of goals. Both of you will hold each other accountable to your goals and plans. While it’s not necessary for both of you to have the same goals, it’ll be even better if that’s the case, so you can learn from each other.

I have a good friend whom I talk to regularly, and we always ask each other about our goals and progress in achieving those goals. Needless to say, it spurs us to keep taking action.

7. Tell Others About Your Goals

This serves the same function as #6, on a larger scale. Tell all your friends, colleagues, acquaintances and family about your projects. Now whenever you see them, they are bound to ask you about your status on those projects.

For example, sometimes I announce my projects on The Personal Excellence Blog, Twitter and Facebook, and my readers will ask me about them on an ongoing basis. It’s a great way to keep myself accountable to my plans.

8. Seek out Someone Who Has Already Achieved the Outcome

What is it you want to accomplish here, and who are the people who have accomplished this already? Go seek them out and connect with them. Seeing living proof that your goals are very well achievable if you take action is one of the best triggers for action.

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9. Re-Clarify Your Goals

If you have been procrastinating for an extended period of time, it might reflect a misalignment between what you want and what you are currently doing. Often times, we outgrow our goals as we discover more about ourselves, but we don’t change our goals to reflect that.

Get away from your work (a short vacation will be good, else just a weekend break or staycation will do too) and take some time to regroup yourself. What exactly do you want to achieve? What should you do to get there? What are the steps to take? Does your current work align with that? If not, what can you do about it?

10. Stop Over-Complicating Things

Are you waiting for a perfect time to do this? That maybe now is not the best time because of X, Y, Z reasons? Ditch that thought because there’s never a perfect time. If you keep waiting for one, you are never going to accomplish anything.

Perfectionism is one of the biggest reasons for procrastination. Read more about why perfectionist tendencies can be a bane than a boon: Why Being A Perfectionist May Not Be So Perfect.

11. Get a Grip and Just Do It

At the end, it boils down to taking action. You can do all the strategizing, planning and hypothesizing, but if you don’t take action, nothing’s going to happen. Occasionally, I get readers and clients who keep complaining about their situations but they still refuse to take action at the end of the day.

Reality check:

I have never heard anyone procrastinate their way to success before and I doubt it’s going to change in the near future. Whatever it is you are procrastinating on, if you want to get it done, you need to get a grip on yourself and do it.

Bonus: Think Like a Rhino

More Tips for Procrastinators to Start Taking Action

Featured photo credit: Malvestida Magazine via unsplash.com

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