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Early Riser or Night Owl: Why It Doesn’t Really Matter

Early Riser or Night Owl: Why It Doesn’t Really Matter

    I bet you’ve heard this quote before:

    “The early bird gets the worm…” – William Camden

    Perhaps you’ve heard it in reference to your own sleeping habits. There are numerous articles on the web where writers tell you that one of the best ways to become more productive is to get up early. By doing so, you get a jumpstart on the rest of the world and reap the benefits of a quiet work environment — among other things.

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    Yet for the amount of articles that all about getting up early, there are many people who struggle to do just that. I’m one of them. I’ve tried time and time again to get up early, to “reset my internal clock” to make that happen…and I can’t seem to make it stick. While failure isn’t the worst thing in the world when it comes to this (and other efforts, for that matter), after trying to become an early riser more times than I can remember, this quote came to mind:

    “Insanity is doing the same thing over and over again and expecting different results.” – Albert Einstein

    Now I wasn’t doing the exact same thing each time I made an effort to change my sleeping and waking habits, but I realized that the act of trying to change my habits was the problem. That’s where the insanity was coming into play. I was frustrated that I simply couldn’t do what I thought I should be able to do — and I couldn’t figure out why it wasn’t working.

    And then it came to me: I’m not meant to be an early riser. I am a night owl and I needed to embrace that rather than fight it.

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    Further to that, I examined how somebody who’s a night owl could essentially “hack their day” in the same way as an early riser does. Perhaps not surprisingly, the same benefits that apply to early risers can belong to night owls too.

    Quiet Time

    If you’re up past the bedtimes of those in your home, then you’re going to get the same sense of quiet that the early riser gets. Plus, if you woke up later in the morning, you won’t be as tired when you get down to whatever you plan to do with that quiet time because you’ve been awake for far longer than the early bird will be. As someone who does a lot of writing, I have found that I’m at my best in a creative sense later in the day, once all of my essential actions and errands have been taken care of. I call it my “Finally Time” — I finally have the clarity of thought, quiet I need and time I want to get my great work done.

    Getting Ahead

    While many are up at the crack of dawn and getting an early start to their day, I’m sleeping. And I’m no further behind because of it.

    You see, I’ve already done the things that I needed to get a jump on the previous night. I’m no less productive than the early riser because I did what they do in the morning hours during the late hours the day beforehand; I am being proactive in my own way.

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    The notion that early risers are more productive than night owls is a myth. They just do “more productive” differently. How they allocate their time is the key.

    Stop Struggling and Love the Late Hours

    I started off by offering a very famous quote…but there’s more to it than what I initially delivered. My favourite addition to that quote is:

    “The early bird gets the worm but the second mouse gets the cheese.” – Jeremy Paxman

    To some that may mean that you should proceed with caution rather than be first into the fray, but I tend to look at it differently.

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    There is no advantage to being an early riser over being a night owl when it comes to increasing your productivity. It’s all in how you handle what comes at you – day and night – and making sure that you handle in it in a way that suits you and your lifestyle. If you find that you like getting up early, go for it. If you don’t, then don’t change that.

    Listen to your mind and body and drive yourself to do more when it works for you. Don’t drive yourself insane trying to do anything that doesn’t.

    (Photo credit: Time to Wake Up 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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