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10 Ways to Put Time to Work for You

10 Ways to Put Time to Work for You

“Either you run the day, or the day runs you.” -Jim Rohn

If you’re looking for a walking (well . . . ticking) contradiction, time fits the bill. It’s our most precious resource—and our biggest nemesis. It’s impossible to get rid of it, but there’s never enough of it. You can’t save it up, speed it up, or slow it down. So what can you do with it? Make the most of it.

Check out these 10 tips for making time work for you.

1. Strategize It

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    You probably already sense that you get more done at certain times of day. Some people naturally feel their best and brightest in the morning, while others are just beginning to get their groove on around midnight. Put time to work for you by making a concerted effort to learn when you work most productively,then get deliberate about scheduling your most important to-do’s done during that time.

    How will you know when you’ve found your peak productivity hours? Daniel Gold, author of  Evernote: The Unofficial Guide to Capturing Everything and Getting Things Done, says you’ll know you’ve hit peak productivity hours when you’re able to work on a given task for about 90 minutes without getting distracted.

    And how do you figure that out?

    2. Track It

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      Take guesswork out of the ways you’re using your time and when you’re operating at peak capacity, by tracking it. “Patterns will show themselves if you start tracking [your time],” Gold says. What’s the best way? A tool that doesn’t use any more of your precious minutes recording tasks, adding up minutes and noting breaks.

      Mobile time tracking is an effortless way to get an easy, accurate picture of where your minutes, hours and breaks are going. TSheets Time Tracking (the top-rated mobile time tracking app on Apps.com) offers a free version for freelancers and a paid version for business (with a 14-day free trial).

      Once you have the app, all that’s left is to enter your job codes (these can be anything from “grant writing” to “lawn mowing” ), then track and switch tasks with one click from any mobile device or on the desktop. Not only will you get a more accurate view of where your minutes and hours are going (and when your peak patterns are), but you’ll have more accurate billing hours for your clients.

      3. Prioritize It

      prioritize

        It might seem like a no-brainer, but one of the best ways you can make time work for you is to prioritize it. It’s easy to get bogged down by urgent, not-important tasks. Evaluating each task based on this quadrant formula from Steven Covey can help you keep a focus on the not-urgent, important tasks that so often get pushed off your plate and give you a sense of “always running, never getting anywhere” when it comes to the really important things.

        It can also be psychologically tempting to leave the big stuff until the end, telling yourself that if you can just get all those pesky “wildfires” out of the way, you’ll be able to focus on the important things. However, it’s more likely that the Quadrant III tasks will continue to pop up, while the Quadrant II tasks are left undone.

        According to psychologist Amy Morin in Psychology Today, we also procrastinate our most important to-do’s while taking the time to put out less important brushfires because, “When we categorize a deadline as being in the present, we’re likely to start working on the goal. When we decide something falls into the future category, we file it in our “someday” archives, making it easy for those goals to be neglected.”

        How to overcome the focus on urgent and non-important goals? Take a look at your non-urgent, important tasks and add a “now” component to them, so you get the ball rolling. Morin says, “Even if your goal is something that will take a long time to reach … you’re more likely to take action if you have time limits in the present. Create target dates to reach your objectives. Find something you can do this week to begin taking some type of action now.”

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        4. Focus It

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          While it’s important to look at the big picture so you know where you’re going and what your overall goals are, doing so constantly without honing in on the specifics that will get you there can leave you feeling unfocused and overwhelmed. Read: not maximizing your time. Choose just a few things per hour to accomplish, then keep your focus on them.

          The time window and number of tasks will depend on what you want to accomplish and how you break down your tasks. However, keep in mind that the key to making this tip effective is to choose bite-sized tasks (or break larger tasks into bite-sized tasks first). Instead of saying “I will contact everyone on my client list today about our new promotion,” decide you’ll contact three clients in the next half an hour, accomplish your task, and repeat.

          The buzz from setting out to accomplish–and then accomplishing these tasks is no small reward, which will keep you motivated to continue onward. As author David Nowell states in Psychology Today, “It’s a great feeling, when your head is full of 50 things you could be doing right now, to know [you’re] in exactly the right place and doing exactly the right thing right now.”

          For more tips on focus, check out this article about how successful people plan their time!

          5. Time It

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            What should you do with those bite-sized tasks you’ve set out to accomplish in a given amount of time? Make yourself accountable and stay on task by using a timer. Any stopwatch (or stopwatch app) will do, but if you’re looking for the real deal you’ll want to get yourself a little tomato-shaped timer. Why? Keep reading.

            Pomodoro means “tomato” in italian. And the Pomodoro time management principles are, as Pomodoro itself says, “at once deceptively simple to learn and life-changing to use.” It pretty much hinges on using a timer system to keep yourself on track with those segmented tasks you’ve made for yourself, with an immediate reminder that there is a NOW deadline associated with them (in the form of a timer).

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            It works by setting your tiny tomato timer to 25 minutes, then working on a given task without interruptions until the timer goes off. Then taking a 5-minute break and repeat the process. After every four pomodoros, take a longer break.

            6. Stop It

            stop

              The human brain can only survive for about 11 days without sleep, and yet, sleep tends to be one of those things we push to the backburner in effort to make more time in the day. We work later, wake up earlier, and tell ourselves “I’ll sleep when I’m dead.” But recent studies show that sacrificing sleep could ensure that day comes much sooner than you think. And even if your death isn’t on the line, the death of your productivity certainly is.

              According to Robert Oexman, Director of the Sleep to Live Institute, a sleep-deprived mind lacks focus and drive to stay on task. It’s simple: When your brain is tired and your mind is foggy, the less productive you become. Likewise, the Journal of Sleep Research claims that people tend to make smarter calls and wiser decisions after they’ve had a good night’s sleep. That’s because your brain uses your REM cycle to remove toxic proteins from its neurons–a process that can only be completed while you’re asleep. Cut that process short, or skip it entirely, and those proteins will wreak havoc on your ability to think.

              High performance coach, Cheryl Hunter, suggests changing the way you think about sleep by setting a self-imposed bedtime. This gives your mind something to aim towards and encourages you to go to bed at the same time each night–which enables you to fall asleep faster. Allowing yourself to succumb to a healthy amount of shut eye (around eight hours a night) not only increases your productivity, but all that clear thinking is guaranteed to free up some extra time.

              7. Enjoy It

              enjoy

                The less you enjoy something, the more time it takes to complete. Case in point: Think of the last time you took a bite of food you didn’t like. Chances are you probably spent a lot of time pushing that food around on your plate, and an even longer time chewing it. Now think of the last time you had to do something you didn’t enjoy. You probably procrastinated, and the task took way longer than it had to.

                However, if you can inject a little enjoyment into everything you do, the job will get done much faster.

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                Do this by turning your focus to increasing the quality of the task at hand. Whether you’re cleaning the bathroom, or working on a big project at work, focusing more on doing a great job (and less on scrubbing the toilet) turns the task into a form of art. You’ll feel motivated, productive, and much happier to do it.

                8. Refocus It

                refocus

                  The average person receives more than 85 emails per day–combine that with nearly 100 texts, Facebook notifications, and instant messages, and it’s no surprise that many people have a hard time focusing. And if you’re one of them, check out these helpful apps and websites that are guaranteed to eliminate distractions and allow you to focus on the task at hand.

                  • Self-Control: This OS X application allows you to block access to certain mail servers and websites for a predetermined amount of time. So if you’re feeling distracted by your Twitter feed, you can prevent yourself from viewing the twitter page for however long you need. But here’s the caveat: If you decide you want back in, you have to wait for the timer to run out. No amount of restarting your computer, or even deleting the app can lift the block. PC users can download Freedom, a similar app.
                  • Think: It can be hard to focus on one thing at a time when you’ve got more than a handful of windows cluttering your computer screen. Think allows you to focus on one application or page at a time by “hiding” everything else under a nearly opaque backdrop. Think is currently for Mac users only, but PC users can enjoy a similar environment through Isolator.
                  • StayFocused: While many apps and websites offer to block access for certain periods of time, StayFocused, a Google Chrome extension, increases productivity by simply limiting your access. Only want to spend 30 minutes checking email? StayFocused will kick you out when your time is up and you won’t have access to those time-sucking sites for the rest of the day.

                  9. Fuel It

                  fuel

                    You know what they say, “you are what you eat.” So if you want to be more productive, you gotta stock up on snacks that increase productivity! Some foods are more obvious than others (we all know that bananas can give you that extra boost you need each morning, and green tea helps you focus), but there are a few superfoods you might not recognize.

                    • Eggplants help improve communication between brain cells and messenger molecules–which keeps your brain sharp! But you’ll only reap maximum benefits if you also eat the skin.
                    • Dark chocolate contains antioxidants that improve your focus and concentration, and milk chocolate is proven to boost your memory.
                    • Sunflower seeds are rich in B vitamins and can increase your mental processing power. They’re also shown to increase your mood–but that’s a happy side-effect.
                    • Carrots don’t really help you see in the dark, but they are a great way to fuel your brain at a steady pace all day long–allowing you to focus on important tasks at hand!

                    10. Maximize It

                    max

                      A recent study from MIT determined that the average American spends nearly two full years of their life standing in line. From standing in line at the grocery store to standing in line for your favorite ride at an amusement park–that’s a lot of wasted time. Yet another study conducted by Vitals.com found that patients can expect to spend 21 minutes in the waiting room each time they visit their doctor or dentist. And while it can oftentimes feel like an eternity, that time adds up to wasted hours each year.

                      Maximize that time by catching up on your email, brainstorming your next big project, or jotting down a few notes that will enable you to get a head start later. Making the most of every spare second can free up veritable hours of your day.

                      Featured photo credit: pexels via pexels.com

                      More by this author

                      Dan Matthews, CPRP

                      A Certified Psychosocial Rehabilitation Practitioner with an extensive background working with clients on community-based rehabilitation.

                      15 Ways to Stop Overthinking and Worrying About Everything How to Be More Positive: 15 Habits to Take Up How To Stop Negative Thoughts from Killing Your Confidence 17 Types of Meditation (Techniques and Basics) to Practice Mindfulness How to Do Meditation at Home to Calm Your Anxious Mind

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                      Published on January 8, 2021

                      How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

                      How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

                      Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

                      The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

                      Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

                      What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

                      Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

                      1. Pay More Than the Minimum Credit Card Payments

                      Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

                      Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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                      You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

                      The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

                      2. Start With High-Interest Credit Card Debt

                      If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

                      First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

                      At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

                      3. Revisit Your Budget

                      Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

                      You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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                      Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

                      If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

                      4. Avoid Using Your Credit Cards

                      Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

                      The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

                      It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

                      5. Start a Side Hustle to Boost Your Income

                      You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

                      If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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                      Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

                      It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

                      6. Sell Your Used Items for Extra Cash

                      Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

                      A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

                      Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

                      When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

                      7. Know When to Seek Help With Your Debt

                      Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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                      There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

                      In extreme cases, the debt solution can be:

                      • Debt relief – where your debt is partially or wholly forgiven
                      • Debt consolidation – taking out one loan to repay others
                      • Debt settlement – the creditor forgives a significant portion of your debt
                      • Bankruptcy – legal process for seeking relief from some or all your debts

                      It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

                      Wrapping It Up

                      Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

                      So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

                      More Tips on How to Pay Off Debt

                      Featured photo credit: rupixen.com via unsplash.com

                      Reference

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