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6 Lessons on Making Smooth Transitions in Life

6 Lessons on Making Smooth Transitions in Life
Smooth Transitions

Last week I started working on my new job as a lecturer. The job is pretty flexible, but it takes quite a lot of time for preparation, especially because I’m relatively new to some subjects. Since I’m still adapting to the pace, my life was pretty disorganized. I couldn’t do my morning ritual as it should, and I didn’t even have enough time to write for my blog. It’s now getting better, though I haven’t coped with it completely.

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In the process, there are some things I learn about how to make such transitions smoother:

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  1. Reject new commitments
    Since I’m still organizing things, I decided not to accept any new commitments. Sometimes it’s not easy to say no to new commitments, but I’ve learned to say no without feeling guilty. In the past, I tended to say yes to new opportunities without thinking about the effect they may have on me. And more often than not, I ended up unable to handle them and failed to produce optimal results. I’m now more cautious and think in longer terms before saying yes to a commitment.
  2. Know what you want
    Sometimes it’s difficult to decide which commitments to take when there are several options. But, if you know exactly what you want, making such decisions is easy. By knowing what you want, you can easily see which commitments are helpful to achieve your goals and which are not. You can then quickly make decisions when you need to.
  3. Maintain focus
    To achieve your vision, you need focus. I learned this the hard way. For years, I set goals and saw that none of them were achieved. It was terrible. So I changed my approach and focused on only one or two goals a year (now I set only one goal). Since then, I started to see significant progress in achieving my goals. My attention and energy are used on only a few things, so the chance of achieving them is much higher.

    I apply this lesson to my current situation. While previously I could easily get distracted by various things, now I anticipate the distractions and avoid them in the first place.

  4. Maintain balance
    While we should focus on what we want, we should not be so obsessed by it that we sacrifice other parts of our life. Keep your life balanced. In my life, I always try to balance the four facets of prosperity: financial, spiritual, social, and physical.
  5. Anticipate unexpected events
    This is what I didn’t do well. I didn’t expect that class preparation would take so much time, and I ended up being disorganized for some time. I should have anticipated such potential busyness beforehand.

    For instance, I didn’t have ready-to-publish posts at that time, and since I didn’t have time to write, I missed a posting schedule on my blog. What I should do is to always have some ready-to-publish posts which can be used in such situations.

  6. Identify the weak points
    To stabilize the situation as quickly as possible, I identified the weak points I should give special attention to. For instance, I noticed that there are some days in which I’m busier than the rest. By realizing this, I could better anticipate them in the future. Another possibility is there are certain things that take too much time to do. By identifying them, I can work to make them more efficient.

Of course, these are just what I’ve learned from my experience. I’m sure there are still many other tips that I haven’t covered here, so feel free to share them in the comments.

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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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