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Self-Discipline: The Foundation of Productive Living

Self-Discipline: The Foundation of Productive Living
Dumbell

    The productivity industry is awash with tips, tricks, systems, and hacks to help you get more done in less time. Yet many who read books and blogs on this topic for the purpose of getting things done say they have trouble implementing these tools and becoming more productive.

    No system for keeping your email under control will help you on its own. No tips and tricks for budgeting will ever help you on their own. The main problem for those who struggle with pure productivity is not being able to understand and learn systems, but a lack of self-discipline to begin with.

    Self-discipline is often described as a muscle, something that becomes stronger the more you work with it. In essence, having self-discipline from a productivity point of view is having the ability and motivation to just do it.

    For different fields, having self-discipline means different things; personal development fans consider it the ability to change habits and refrain from practising old, ingrained ones. Musicians consider it the ability to get up and practice each day, every day, so they never fall behind in their level of skill and muscle memory.

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    One angle I like to look at self-discipline from, while not entirely encompassing the concept and all that it entails, can certainly be helpful: self-discipline is the power to act on ideas. It is the ability to take things from thoughts and realize them through actions and tangible results.

    Learning or creating a perfect system for processing, acting on and organizing email efficiently is not going to be worth a damn until you can force yourself to do it whenever you check your email.

    Knowledge itself is only part of the path. Knowledge is not productivity. It’s not efficiency. It’s a necessary step, and the first step towards those things, but implementation is the step that makes it worth the time and effort spent learning.

    Start Small, Work Up to Big

    If you haven’t been able to implement ideas in real life on a small scale, then the chances that you can do something big this week, such as kick a ten-year smoking habit, are pretty small. It can and has been done, but good luck trying. There are exceptions to every rule.

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    This is where the comparison of self-discipline to the use of a muscle is important, because if you keep trying to tackle the big problems in your life from the get-go, you set yourself up to fail again and again. The more you fail on the big things, the more motivation you lose and the more it looks like the problems are too big to be beaten.

    Start developing your self-discipline skills by conquering small problems; if you find yourself drinking excessively and want to handle it, then start your first drink after everyone else has finished their first couple of rounds. It’s a small change, but your success will set you up to succeed in the next stage, which may be cutting out one night of drinking per weekend altogether.

    Gradually, the strength of your self-discipline increases, and the greater your success will be in tackling problems and implementing new changes.

    If you want to create a habit rather than defeat it, it’s a very similar process. For instance, if you find yourself constantly unable to maintain a new email processing system, start by making an end-of-week appointment every week that you force yourself to keep. Process all your messages and clear out your inbox during that session, and continue this until it is second nature. You can then trial it on a more regular basis.

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    Don’t start out expecting unused muscles to be strong.

    Accountability, the Remedial Therapy of Self-Discipline

    When a person has, for some reason or another, allowed muscles to atrophy to the point where they literally can’t use them, they go through a long process of therapy, gradually rebuilding the strength in those muscles until they can use them without assistance.

    It’s not impossible for this to happen with self-discipline; someone who once possessed plenty of it can allow it to atrophy by failing to use restraint and letting bad habits commandeer their life. I know this happened to me, and it wasn’t easy to fix.

    There is a point where you let your self-discipline weaken so much that it’s impossible to get it back without outside assistance. That point is where accountability comes into play; having someone to push you and force you to do what you can’t force yourself to do. They keep you accountable for each action, and not only give you an irritated stare when you fail, but ensure you don’t fail in the first place.

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    The key is to find someone who’s going to be present in your day-to-day life enough to help you. If you’re working on a new habit for your work life, then they only need to present at work. More complicated are habits that encompass your entire life, in work and at home. For instance, if you want to quit smoking then you’ll probably need to organize someone to keep you accountable at home, such as your partner or family, and someone at work (probably a colleague, as nobody needs more whining from their boss!).

    Nine times out of ten, those who’ve talked to me about their inability to get things done and implement systems they’ve memorized inside and out, only have a problem with this one aspect of life. It’s a simple one, but by no means any less difficult to deal with.

    Self-discipline is certainly one thing missing from productivity today.

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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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