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How Mindfulness Can Improve Our Focus and Productivity

How Mindfulness Can Improve Our Focus and Productivity

Mindfulness has become a popular and fashionable activity in recent times. The act of focused awareness on the flow of the present moment. It brings us into the here and now so that we are conscious of what we are doing when we are doing it. It may seem both simple and obvious but when we focus our awareness on our thoughts we will find that we spend most of our day thinking about past and future events. Or if we are lucky enough, sitting around day dreaming rather than focusing on what matters.

Most people have a natural time perspective and their thoughts are dominated by either past, present or future events. What we don’t want is that past or future events dominating our present experiences or that we live too much in the present that we don’t learn from past experiences nor plan for the future. So like most things in life we seek balance.

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The practice of mindfulness teaches us to become aware of our thoughts and the present moment. It is a habit we need to nurture because our natural tendency is to stray from the here and how to tomorrow, next week or next month. When we practice mindfulness we keep calling back our wandering mind to rest on the current moment.

Some of the benefits of Mindfulness

Below are some of the many benefits of mindfulness and how they can improve our focus and productivity.

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Greater Focus

One of our biggest challenges to getting things done is the distraction of the mind, while we try to get one job done, our mind reminds us of ten others that still need doing. We quickly check our email because our mind alerts us to the fact there may be unread emails in our inbox and if the remain unchecked we may be missing the fact that the Earth is shortly to be demolished by an alien construction crew!

As this thought comes into our head we then remember that our copy of the Hitchhikers Guide to the Galaxy was lent to a friend so maybe we should shoot over to Amazon and buy a fresh copy. Mindfulness jumps in the way of all these distractions of the mind and says “Hey, come back to the present moment, get what needs to be done, done!”

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More Effective Planning

On the outset, mindfulness may appear to conflict with the concept of planning but in fact they complement each other greatly. Planning allows us to practice mindfulness by reducing the burdens that the mind needs to worry about. If we are to schedule and plan all our responsibilities and duties we have less to distract us from our daily tasks. When applying mindfulness techniques planning can be a much more effective process and not be delayed by the disruptions of other activities and ideas.

Stress Reduction

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A lot of stress is brought about by imagining negative future scenarios, if we were to live completely in the present we would not suffer from this stress. But the human brain has the ability to cast itself into the future, so for now we are stuck with this capability, and will have to learn how to manage it. Stressing about future scenarios that haven’t happened is a pointless habit; mindfulness can teach us how to redirect these negative and worrying thoughts back to the present moment and remind us that the future hasn’t happened and so far is not controlling our present circumstances. Mindfulness can also help with the insomnia that often accompanies stressful situations.

Whenever we lie awake at night thinking about the poor sales figures or the bills that need to be paid, we need to bring our focus back to our physical body and the fact we are lying comfortable and warm in bed and the things that are occupying our minds have not happened yet.

Take this moment to remember that the future hasn’t happened, the past is gone and the present, the wonderful present, is all we have and all that is guaranteed. Make sure you are part of each moment that you live and experience to gift that is the Now.

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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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