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5 Questions That Will Save You Time And Money

5 Questions That Will Save You Time And Money
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    When you’re thinking about productivity, one of the most important questions you should ask yourself is just how much your time is worth. There is no question that there are some tasks you should pay other people to do, but it can be hard to decide just which ones to hand over to trained professional — especially if you are trying to save money.

    Beyond that one crucial question, though, there are plenty of smaller issues that can help you decide which tasks will save you money without inhibiting your productivity and which will end up just being a waste of your time. These questions will help you bring balance to both your spending and to your time.

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    1. Do I have the skills necessary for the task? Sure, I can probably save a boatload of money by fixing my own plumbing.  Just getting a plumber to come out and look at a problem could cost me a hundred dollars. And there’s guaranteed to be a couple hours of my time that gets used up along with my money, while I wait around for the plumber to show. But, unless the problem is extremely minor, I’ll probably hand over my money to the plumber. The fact of the matter is that, even with a home repair guide by my side, I know I don’t have the skills to fix most plumbing issues. And the ones that I can puzzle through will probably take up far more hours of my day. We’re not going to even think about the cost of my making the problem worse.
    2. How much do I enjoy the task? I enjoy gardening, which I could probably forgo in favor of buying vegetables at the supermarket for a lower cost in terms of my time. However, I enjoy my hobby and I’m more than happy to spend a little time on it — even if the return on my time may not be quite worth the time I lavish on my hobby. In contrast, there are a couple of tasks I absolutely hate — like just about everything having to do with cars. I’ll pump gas, but the odds of getting me to do something like change my own oil are slim to none. I’ll gladly pay money to get out of that particular task.
    3. Is a compromise available? So many tasks seem to fall into one of two categories: you either do it yourself or you hire someone to do it. But there are plenty of tasks that you can compromise on: you can do the easy parts of the job and only pay someone else for the parts you don’t find worth your while. A good example might be setting up a website. If you’re a designer, you would probably be very comfortable doing all the design work on the site, and even coding it up yourself. But you might hire someone to write some or all of the website’s content.  And if you find someone you can work well with for paying projects, you can often increase the amount of work you can take on — upping income for both of you.
    4. Can I get this done without spending money? There are plenty of options for getting people to take on tasks without paying cash. There are, after all, other incentives. Students of various types are often looking for experience, such as student massage therapists who while offer free or cheap massages while they’re studying. There are occasions where you get exactly what you pay for, but it’s a strategy often worth investigating. Other options can include bartering — trading something you’ll be doing anyhow for a service from another person is ideal. I’ll often pick up something from the store for my neighbor in exchange for her pet-sitting while I’m traveling.
    5. Is it really practical for me to take on a given task? While I really like the thought of raising my own chickens so that I can stop buying eggs, it isn’t a practical option for me. I’m going to keep buying eggs at the grocery store for a while — at least as long as I have a landlord who would lay an egg of his own if I suggested the idea of keeping a layer or two around. There are thousands of examples of points in our lives when time and other concerns make the effort to save a few dollars entirely impractical. Do-it-yourself doesn’t always make sense, I’m afraid.

    There are lots ways we put value on our time: there’s time we could use to earn money, to spend with our families or to devote ourselves to a hobby. And, yes, we can often save money or make a dollar stretch further by doing certain tasks ourselves. But we must balance between the value of the dollar we might not want to spend on an already-made shirt and the hour we might spend making one. Productivity and personal finance have to go hand in hand — what sense does a budget make if you don’t know how much time you have to spend on both earning money and how much you can spend on tasks that might save you money. As you start planning next month’s budget, it’s worth pulling out the calendar and thinking hard about just how much time you have available in with to do things yourself.

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    Last Updated on November 18, 2020

    15 Tips to Restart the Exercise Habit (and How to Keep It)

    15 Tips to Restart the Exercise Habit (and How to Keep It)
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    It’s okay, you can finally admit it. It’s been two months since you’ve seen the inside of the gym. Getting sick, family crisis, overtime at work and school papers that needed to get finished all kept you for exercising. Now, the question is: how do you start again?
    Once you have an exercise habit, it becomes automatic. You just go to the gym, there is no force involved. But after a month, two months or possibly a year off, it can be hard to get started again. Here are some tips to climb back on that treadmill after you’ve fallen off.

    1. Don’t Break the Habit – The easiest way to keep things going is simply not to stop. Avoid long breaks in exercising or rebuilding the habit will take some effort. This may be advice a little too late for some people. But if you have an exercise habit going, don’t drop it at the first sign of trouble.
    2. Reward Showing Up – Woody Allen once said that, “Half of life is showing up.” I’d argue that 90% of making a habit is just making the effort to get there. You can worry about your weight, amount of laps you run or the amount you can bench press later.
    3. Commit for Thirty Days – Make a commitment to go every day (even just for 20 minutes) for one month. This will solidify the exercise habit. By making a commitment you also take pressure off yourself in the first weeks back of deciding whether to go.
    4. Make it Fun – If you don’t enjoy yourself at the gym, it is going to be hard to keep it a habit. There are thousands of ways you can move your body and exercise, so don’t give up if you’ve decided lifting weights or doing crunches isn’t for you. Many large fitness centers will offer a range of programs that can suit your tastes.
    5. Schedule During Quiet Hours – Don’t put exercise time in a place where it will easily be pushed aside by something more important. Right after work or first thing in the morning are often good places to put it. Lunch-hour workouts might be too easy to skip if work demands start mounting.
    6. Get a Buddy – Grab a friend to join you. Having a social aspect to exercising can boost your commitment to the exercise habit.
    7. X Your Calendar – One person I know has the habit of drawing a red “X” through any day on the calendar he goes to the gym. The benefit of this is it quickly shows how long it has been since you’ve gone to the gym. Keeping a steady amount of X’s on your calendar is an easy way to motivate yourself.
    8. Enjoyment Before Effort – After you finish any work out, ask yourself what parts you enjoyed and what parts you did not. As a rule, the enjoyable aspects of your workout will get done and the rest will be avoided. By focusing on how you can make workouts more enjoyable, you can make sure you want to keep going to the gym.
    9. Create a Ritual – Your workout routine should become so ingrained that it becomes a ritual. This means that the time of day, place or cue automatically starts you towards grabbing your bag and heading out. If your workout times are completely random, it will be harder to benefit from the momentum of a ritual.
    10. Stress Relief – What do you do when your stressed? Chances are it isn’t running. But exercise can be a great way to relieve stress, releasing endorphin which will improve your mood. The next time you feel stressed or tired, try doing an exercise you enjoy. When stress relief is linked to exercise, it is easy to regain the habit even after a leave of absence.
    11. Measure Fitness – Weight isn’t always the best number to track. Increase in muscle can offset decreases in fat so the scale doesn’t change even if your body is. But fitness improvements are a great way to stay motivated. Recording simple numbers such as the number of push-ups, sit-ups or speed you can run can help you see that the exercise is making you stronger and faster.
    12. Habits First, Equipment Later – Fancy equipment doesn’t create a habit for exercise. Despite this, some people still believe that buying a thousand dollar machine will make up for their inactivity. It won’t. Start building the exercise habit first, only afterwards should you worry about having a personal gym.
    13. Isolate Your Weakness – If falling off the exercise wagon is a common occurrence for you, find out why. Do you not enjoy exercising? Is it a lack of time? Is it feeling self-conscious at the gym? Is it a lack of fitness know-how? As soon as you can isolate your weakness, you can make steps to improve the situation.
    14. Start Small – Trying to run fifteen miles your first workout isn’t a good way to build a habit. Work below your capacity for the first few weeks to build the habit. Otherwise you might scare yourself off after a brutal workout.
    15. Go for Yourself, Not to Impress – Going to the gym with the only goal of looking great is like starting a business with only the goal to make money. The effort can’t justify the results. But if you go to the gym to push yourself, gain energy and have a good time, then you can keep going even when results are slow.

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