Make Wealth Blog

December 22, 2008

Stop procrastination

Filed under: Procrastination — Kava @ 10:06 pm

Procrastination is a habit and a mental attitude.  To break the habit we must confront the non-productive attitudes that we entertain and take action to start the project in spite of them.  People often use several well-known excuses to procrastinate.  These time worn reasons include not having enough time or the right work space or tools to attempt the job.  Procrastinators build a framework of ideal conditions that should be met before work can begin.  The first step in stopping procrastination is to confront the elements of this structure and dismantle them.

One favorite misconception procrastinators entertain about themselves is that they put things off until the last minute because they work well under pressure.   If this is really true, create pressure for yourself.  Set an arbitrary deadline and meet it, or suffer the consequences. If you have all day to complete a task but a date to meet a friend at the gym at noon, make yourself finish the task before the appointment, with the consequence that you will have to fore go the gym if you do not finish.  Under this pressure, you are certain to get something done.  The point it, set your own deadlines and meet them.

Another favorite form of procrastination is to demand an ideal workplace before starting the job.  Confront this head-on as a self-deceptive ploy to postpone.  Nearly everything but brain surgery can be accomplished in a messy environment.  Actually, emergency medics perform this on location, so you should be able to work with some clutter.  Promise yourself that you will make the perfect office after you finish your taxes, clear away enough clutter to use the desk and get started.
People often procrastinate by telling themselves that they do not have enough time on this particular day to finish the project.  Take this for what it is, an excuse to put things off.  The project does not have to be completed in one day, it has to be started.  Most things that can be completed in eight hours can also be done in 8 one-hour segments.  It may not be ideal or as efficient, but the main tool in fighting procrastination is to learn to stop looking for the ideal.  As you lay this to rest and build better work habits, your efficiency will improve.

Often we postpone a project because we feel that we need more information.  Unless you are a complete novice on the issues involved, you can start by outlining what you do know and listing what you need to learn.  If you need to replant the flower bed but don’t know what plants thrive in your area, you can clear away the debris and prepare the soil prior to sitting down with flower brochures and browsing.

Finally, to stop procrastination you must cope with needs for perfection.  If cannot begin painting a portrait of your son because you don’t see a perfect result, put a draft outline on the canvas.  You can paint over a background and make corrections later.  Don’t anticipate the final product before you begin, a favorite route of procrastinators.  Start with a general idea and work to refine it.

Regardless of the type of project, procrastination is fed by the excuses we make for not taking action.  Procrastination is stopped when we begin to argue with these excuses and eliminate them.

December 14, 2008

Spend your free time wisely

Filed under: Discipline,Time management — Kava @ 11:12 am

In today’s fast paced, high stress world people are working longer hours than ever, and often collapse at day’s end in front of the television to relax enough to begin again in the morning.  However, television watching, for most people, does not really lower stress. Studies show that TV viewing in excess of an hour or so actually creates stress and, especially in women, may lead to depression.  Most individuals are unaware that incorporating some exercise into their end of will make them more energetic since it increases energy and stamina levels.

At first it may be hard, but in the long run using your free time wisely will have health and emotional benefits.  Begin by defining what elements constitute using your free time to your best advantage.

Wise use of leisure time does not mean getting an advanced degree, although the mental stimulation gained through education is unbeatable in keeping your mind active.  Learning new things nearly always adds a spark to your daily life, especially if it is a favorite topic, such as sport, fashion, or art.  Also, browse your bookstore or library to find books on your interests.  Try to replace a half hour TV watching with reading.  .

It is very well advised to use free time to reduce stress, which takes a toll on health, physically and mentally. Stress is the body’s adrenal gland hormonal “fight or flight” reaction stuck in high gear. With continued stress, both adrenalin and cortisol hormone levels remain high, contributing to the development of heart disease, hypertension and depression.  Many ways of combating stress revolve around distracting one’s mind from the everyday worries and returning it to the things in life that are enriching.  The foremost of these is other people.

It is estimated that in the United States currently, many individuals have as few as 2 good friends.  Long work hours and car commutes act to isolate people.  This isolation is deadly.  Find ways to congregate with people at the end of the day and on weekends.  Often this can be best done by combining activities, such by joining a walking group to get both exercise and companionship.  Taking a class will stimulate your mind and allow you to meet others with similar interests.  Hobbies are great for reducing stress and provide another opportunity for social interaction.   Meditation and biofeedback are excellent ways to reduce stress and have actually demonstrated an ability to lower blood levels of bad hormones.

Using our free time to aid our overall health and well being may include these elements and Many more, such as going to concerts and spending time with family.  For many people, spirituality, whether in the form of organized religion or enjoying nature, is necessary to retain a sense of balance in life.  All of these activities are good uses of leisure time, as is taking in the occasional film or watching a few TV programs.  But overall, the key is to spend less free time being passive.  The best ways to use free time allow us to are to be mentally and physically active, spend some time out doors, and interact with other people on a regular basis.

December 9, 2008

Importance of credit history checking

Filed under: Salary — Kava @ 4:02 pm

Checking your credit history is very important. We live in a time where people can access your personal information through a variety of techniques very easily. If you fail to keep track of who has access to your personal information, you can fall victim to identity theft. When you check your credit history you can see exactly who you owe money to and who has tried to apply for credit in your name. Checking your credit history is not a very time consuming process either. It can be done very simply online, but make sure that you are using a reputable company to do so.

Some companies try to “spoof” or steal your information and sell it to identity theft scammers, the exact thing you are trying to prevent from happening! You are allowed one free credit report per year and you should take advantage of it. If you do not check your credit history you are allowing people to use your good credit for whatever they want. They can rack up thousands of dollars in charges that you did not authorize but that say your name on the bill.

It is only your fault if you do not check your credit as it is both easy and painless. If you do not pay attention to your financial records it is very easy for someone to come in and start stealing an enormous amount of money from you. Many people who have their identity stolen had great credit to start with and have to go through a very difficult process that takes a lot of time to get their good credit back. Just by paying attention to what comes in the mail and checking your credit report can save you an enormous amount of hassle in the future.

Remember checking your credit history is free once a year!

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