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8 Productivity Hacks to Get Out of To-Do List Purgatory

8 Productivity Hacks to Get Out of To-Do List Purgatory


    You feel like you can’t get anything worthwhile accomplished today, yet the tasks keep piling on.

    I call it “To-Do List Purgatory” because it’s a hellish rut where important tasks never seem to get done.

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    I’ve been there often enough to share with you my best methods to stop yourself from getting trapped. Use these following 8 productivity hacks and get out (and stay out!) of to-do list purgatory:

    1. Hit Restart

    Rewrite your task list and give yourself a realistic selection of things you can do today. It makes no sense to create a giant laundry list of things that you’ll never get done. Make tasks that fit into the time you have available. Spend 5 minutes each morning preparing a daily to-do list with a handful of priority tasks that you know you can accomplish today. Park the tasks you don’t see doing today on a holding list for another day.

    2. Use Laser-Focus

    Everyone should have a “Laser-Focus Mode” where they shut out the world and concentrate with intense focus. Set a timer for 15 minutes and commit to working with laser-point focus on one and only one task. Once you get going you’ll find it’s an addictive habit. Assist this process by creating an uber-productive atmosphere: close your door, turn off your phone, and unplug from the internet.

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    3. Toss ‘Em Out

    Sometimes you take for granted that something must be done just because it’s on your list. Retrain yourself to know it’s not always the case. When in doubt, the best way to see if something is truly a priority, delete it from your list. It’ll come back if it’s truly something important.

    4. Choose Your Big Three

    Each day, you need to declare three clear-cut priorities to which you should focus most of your energy. Choose the tasks that offer you the highest yield per hour of effort. Yes, I know you have much more to do, but it’s important you learn to take advantage of the 80/20 rule, where 80% of your success comes from the top 20% of your daily tasks.

    5. Eat that Freaking Frog

    Start your day doing the worst task possible and you’ll have a much easier time working through your to-do list. Too often, we avoid those “ugly frog” tasks we hate. That, in turn, creates a black hole affect where other tasks are sucked in and your list grows totally stagnant. There’s a good reason eating the frog is one of the top procrastination tips – it works! Don’t trick yourself into thinking you need to start your day slowly, you’ll never get started.

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    6. Improve Your Grammar

    Re-write each task so your list offers detailed instructions. Don’t just write the words “do budget” — it’s a daunting and unapproachable statement. Instead, create phrases that begin with a verb and offer clarity as to the outcome. “List monthly bills due.” If your task can’t be turned into a specific action, it needs to be broken down into smaller steps, as I did in this example.

    7. Set Deadlines

    Setting deadlines for your major daily tasks is an effective way to keep focused during your task time. You’ll be amazed how much more gratifying it feels to maintain start-stop points in your task times. The structure of time constraints offers you a tangible comfort zone for doing your work, and it offers a much greater sense of accomplishment than the alternative — working until someone or something else distracts you.

    8. Just Keep Moving

    The next time you find yourself getting stuck in your day feeling like you’re not getting anywhere and not knowing what to do next, there are two simple choices. Do the next thing you can think or, or quit the task and move on to the next one. Either way, don’t let yourself freeze up… it eventually leads to procrastination and futility. Keep yourself moving and maintain your momentum — it’s the lifeblood of having a productive day.

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    Remember, your best bet is to avoid to-do list purgatory altogether. It’s truly just a matter of making a well-defined, list of priority tasks and following through on your commitments to that list each day. Do this and you’ll be in productivity heaven.

    What’s your sticking point each day? Please share with me in the comments section and I’ll do my best to offer a tip that best fits you.

    (Photo credit: Frustrated Businesswoman via Shutterstock)

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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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