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Time Management Doesn’t Exist, But Here’s What Does…

Time Management Doesn’t Exist, But Here’s What Does…

I never understood time, even from a young age I couldn’t understand how time actually existed in this world. As a result I had a thirst to find our more, so when I was very young I learned everything that I could on time; from Steven Hawking, to Brian Tracey to Jack Canfield.The standardised and structured idea of ‘time’ didn’t work for me, the concept of time felt fake and didn’t honour me at all.

I truly feel,  time doesn’t exist.

Not absolutely. It is a concept made up and of course it serves what Stuart Wilde calls Tick tock land.

You do not need to buy into living your life within the frame of 7 days a week, and 24 hours a day. If you do, you’ve set up a limitation within your mind.

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The vibration of time doesn’t serve you, it limits you.

So here is a better picture, work with energy, always. Allow your day to revolve around energy management, not time management. Stop viewing time within the confines of a limiting spectrum. Time, 24 hours, 7 days, 365 days. Doesn’t serve you one bit.

Your body doesn’t care if its Monday at 1pm or Tuesday a 2pm. All your body, your mind, and your soul care about is energy. This means, how you feel, or how you are not feeling.

Think about something you want done, chances are you could have done it, or least started it, but, it’s highly likely that you were thinking that you don’t have enough time.

I hate those words, “I don’t have enough time.” Delete them now and never say them again.

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You have so much time when you have so much energy, but you may not of done the things that you needed or wanted to do, because you actually had a lack of energy, not time.

Most people can get up earlier, most people can work with time and manage it well. I know this. I know you can. But in the long haul, it doesn’t serve you, it’s boring and so many people give up trying to manage their so ‘called time’, because they are actually not managing their energy well, not their time.

What I propose is that you stop trying to manage your time, and manage your energy.

When you have a lot of energy think about what you can accomplish, regardless of time. When you feel good, things happen, effortlessly.

First things first, if you want to manage time better you need to manage your energy better. This may include:

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  • Proper self care for your mind, body and spirit.
  • Your environment, your desk, your life. Clutter serves nobody. Clean up your desk, your computer, your business and your life.
  • Write a list of everything that sucks your energy and drains you. Everything that is on the backburner, you haven’t complete, you’ve started but feel guilty about continueing, invoices you haven’t paid, people you haven’t emailed, even your grandma you haven’t called. List everything that you want to or need to do on one piece of paper. You may have 20-100 things on there and that’s fine. We need to get things off our chest, and out into the open where we can see them. When we do this they become real, actionable and less draining because we are not carrying them around anymore.

Lastly, I want to challenge you one step further, every morning when you wake up you need to do two things:

First, ask yourself. Where is my energy today? How do I feel today? How did I sleep? On a scale 1-10 how am I feeling? 10 being estatic, and 1 being I could be back in bed.

This allows you to work with yourself and your energy.

If you feel you could go back to bed, do it. 

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If you feel you could get stuck straight into work, do it.

If you feel that you need a few hours to yourself do it. 

Remember, we are working with energy management more than time management in life. Focus on your energy and building your energy levels up and you’ll get a ton more done.

Featured photo credit: VIKTOR HANACEK via picjumbo.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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