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Make a To-do List You’ll Actually Want to Tackle

Make a To-do List You’ll Actually Want to Tackle

I’ve been a to-do lister for most of my life. In elementary school, my friend and I would make lists of all the things we wanted to accomplish during our sleep-overs. Just after college, I was so fed up with so many large parts of my life that I created a giant to-do list that read: “Get a new job. Get a new car. Go on vacation.” in big, bold letters, which hung over my bed, reminding me every day of my ultimate goals. They were all completed within five months. I like a good to-do list.

As a Director of Content & Social Media, my days are filled with what seems like hundreds of small, must-complete tasks, and at first, I had a hard time keeping all of them straight. Everything seemed like something that ought to be done that day, which made for one extremely long, and quite frankly, useless, to-do list. Out of necessity, I devised a to-do list system that has worked extremely well every since.

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nothing is so fatiguing 2

    Here are my best tips for creating a to-do list you’ll actually want to tackle:

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    Focus on the short-term.

    For most professionals, a to-do list that focuses on the next two weeks works best. Anything longer than that becomes more of a “goal” than a to-do item.

    Organize your list in a simple way.

    A long list of items is never going to get completed. Mine is divided into very literal sections: Today, Tomorrow, This Week, and Next Week. It’s easy to understand, and easy to update.

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    Use a computer-based list.

    I use Google Desktop to manage my to-do list. The application is constantly running so it’s always visible on the side of my monitor, and I can refer to it often to keep myself on track. Even though it’s more fun to literally cross items off your list on a piece of paper, a list on your computer is easier to update every day, moving tasks from Tomorrow to Today, and so on. Notepad, Google Docs, or even an open e-mail draft are all good options. (Ed: Alternatively use one of these computer based lists)

    Emphasize each specific task, rather than overall goals.

    Rather than stating the obvious, “Write blog posts for next week,” I get very specific with myself: “Write posts on 4 Resume Tips, 3 Phone Interview Don’ts, A Day in the Life of a Telecommuter.” Rather than seeing one big goal and becoming intimidated, I see three smaller goals that are already outlined and easily doable.

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    Archive items as you complete them.

    As any good to-do lister knows, the best part of the do-list is the crossing off of completed tasks. Such a sweet feeling of accomplishment!

    Update your entire list every day.

    Either at the end of your work day, or at the very beginning, rearrange your list by updating what needs to be done Today, Tomorrow, This Week, and Next Week. I prefer to update my list at the end of each day to take stock in my accomplishments and plot my workload for the following day. And without fail, every day I find myself wanting to tackle my to-do list!

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    Brie Weiler Reynolds

    Senior Career Specialist at FlexJobs

    This Is How Anyone Can Supercharge Their Retirement This Is How Anyone Can Supercharge Their Retirement 5 Surprising Side Jobs to Make Extra Income 4 Ways You May Be Sabotaging Your Job Search Make a To-do List You’ll Actually Want to Tackle Find Work-Life Balance During the Holidays and Every Day

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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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