Showing posts with label how to budget. Show all posts
Showing posts with label how to budget. Show all posts

Friday, August 5, 2011

Sticking TO-DO LISTS help us manage our time!

How many of you struggle with TIME-MANAGEMENT? Have you ever tried using a TO-DO LIST - consistently?

I make my to-do list every night. Last night as I sat down to write it out before bed (so that I can rest with peace), I created a 'template' that I am going to type up & print out. There are a few things that are daily to-dos for me, and then there are 4 areas in which there are items to complete daily.

I thought I'd share what I am implementing. I'll use Word to create a document with 2 columns on my worksheet for 2 days (to save paper, right). I'm practical & systematic. Here's an example of how mine will look:

TO-DO LIST for: ________________(day/date)

Morning Routine:
  1. Daily devotional/quiet time (5:15 a.m. @ the start of my day)
  2. Workout
  3. Personal Blog time
  4. Emails (personal)
Work: (Include 3 action items to reach goals)
  1.  Emails
  2. Add customers to FB list
  3. Set appt. with prospect(s)
  4. Follow up with advertising co.
Errands: (List errands that must get done today)
  1. Costco (completely out of food)
  2. Car Wash (Hurricane Cheerios hit the back seat!)
Chores: (List chores that must get done today)
  1. Declutter kitchen counter (company coming later)
  2. Clean bathrooms (see above)
Activity with kids:
  1. Weed out the pumpkin patch (it's looking overgrown)
  2. Read some books
  3. Wrestle & tickle
Evening  Routine:
  1. Start dinner (by 4:30 p.m.)
  2. Dinner w/ boys & hubby
  3. Clean up kitchen
  4. Unwind w/ family outside
  5. Bathtime
  6. Bedtime (8:45/9ish)
Not sure if your day can look like this. Each of my days does not always include chores AND errands, however, most times it does. Sometimes the #1 priority & the first thing we do in the a.m. is get out of house to the park. This is a template form that I'm going to print out & use w/ blanks under the work, errands, chores, and activities areas to fill in each day according to what is priority.

Arming ourselves with a to-do list, with blanks to fill in will help us be better managers of our homes, and that's the goal, right?

If we use budget sheets to direct our money, why don't we use TO-DO lists to direct our time?  Stick to the list, control your time on the internet & phone, and you will have better days of getting more done! When we use a TO-DO LIST & have better TIME-MANAGEMENT, then our day will flow with greater peace & patience.

(The above is what I typed up for the BakersfieldMom.com blog...but I couldn't wait for them to share...so since it's mine :) I thought I'd share it with my peeps TODAY. Also, I want to add that I have always used a to-do list, all throughout my life. Only after doing Chalene Johnson's www.30daypush.com did I realize that many have no idea about the power of to-do lists, making them consistently & sticking to them. They have the power to change your life!)

Thursday, August 4, 2011

Worth Reading....



Found this at the grocery store. Bought it WinCo Foods for $9.99. Saw it at Save Mart too. This is a 21 day journey type book that gives you scripture and words to encourage weight loss & self-discipline. It will challenge you and help you grow in this area. Speaks of rest, exercise, and self-control.

"We live in a world in which leisure is glorified
and consumption is commercialized." (pg. 105)


Now, many of you who know me, may remember that I am not a 'Book-Bible Study' person. My mantra was "All I need is the Word, just give me the Word"...and while that still rings true, I have embraced using this book by Elizabeth George. It's all about Life-Management. I'm using as my guide through the Bible for my morning devotional time. It's really using the Word to speak to my current focus and season in life.

Here's the topics of each chapter in the book:

  • Managing your Spiritual Life                             



  • Managing your Physical Life (Body)



  • Managing your Home Life



  • Managing your Financial Life



  • Managing your Social Life



  • Managing your Mental Life



  • Managing your Ministry Life



  • Managing your Time...and your Life



  • There is a reading book that goes along with this study guide. I didn't pay attention to that when I ordered this off Amazon.com. Nonetheless, I am getting a ton of good, heart-changing info out of the study guide. It totally directs you to a variety & multitude of verses that is leading me to make better decisions!

    Who could use some guidance in all these areas?
    Raise your hand. I do too!

    It's all about going to resources OUTSIDE of yourself to change the INSIDE of yourself! Hope you find these and read them to grow along with me! Have a great day!

    Thursday, May 19, 2011

    Budgeting Revisited!

    I got some amazing feedback from some folks re: my post on PayDay = Budget Day. Well, it's nearing another pay day for us, time to bust out the calculator. But I thought I would check in to see how many of you have either gotten your written budget done or how many got the book of Dave Ramsey's ("Total Money Makeover")?

    This stuff will change your life. Maybe before you're comfortable with writing out a budget, you need to face why you don't want to do it. I think that before I was on a 'written budget' I did okay w/ the money. However, I was uncomfortable with the thought of that immediate/microscropic accountability I thought I was going to be under with my husband. But, my assumption of what it would be like didn't happen.

    I observed something this week in conversation with a friend, she feels like living on a budget makes her feel 'broke'. And she is not broke by any means. And so maybe for some, the word budget is controlling, takes away power, brings back memories of when you were broke....but a budget really gives you so much.

    The end result of a budget will leave you with money to save, put toward retirement, pay off a big debt. That's sounds great, right? A budget will give boundaries for us to be good stewards of our money, that's great right? We will have to make wiser decisions at Target and we may have to decline a few lunches 'out'. But for some, this will ultimately please our spouses by having better spending habits and more money in the bank - WIN-WIN! And if you're single, more money in the bank = more security. That's what I always wanted when I was flying solo!

    Is it difficult to give our money boundaries because we want everything we see? Should we get everything we see? We don't do that with our kids. We don't receive everything from the heavens above, so why should we satisfy our hunger for 'instant gratification' just because we have the cash?

    Yesterday, I was at the store, and I need a clock. I want a chrome, shiny chrome one. I saw one that was kinda like what I wanted...but told myself, "no, I'll wait 'til pay day and put it in the budget". I realize that when it comes to stuff on the walls, an upgrade in clothes/shoes/purse/accessories, or toys/stuff for my kids - then they can wait until I budget it!

    Maybe we can lasso in our impulsiveness by implementing a budget. I'm coming to an obvious conclusion here...managing/following a budget builds character. It creates humility (when you tell yourself or others no), it creates contentment (no, I don't need a 4th pair of black sandals), it creates self-control (who cares if this is on sale - I DON'T NEED IT!)  Read my post on the 'power of telling yourself no'. Try it, you might grow. ;)

    A written budget will be good. Now, a budget does not mean that you can't ever buy any new clothes, plan for a bbq, go out of town. A budget is the place that you write in the dollar amount you will spend on that item/catagory. And be realistic. Don't budget $40 to go Pismo (that's just gas)...unless that's all you have and you pack a lunch to eat for free, then that's brilliant & have fun. But plan to spend another $20 on fish & chips if you have it. Really, you don't need a lot of money to have fun on (that's another day's post...hmmm). But put in a responsible amount into a catagory that you frequently spend in. You can live - when you are on a budget.

    Try it. You will find that you have more money than you thought. You may even have some extra to give to the local Rescue Mission, charity. Check out PayDay = Budget Day Post. That's the one that really got people thinking. Email me at jennifermorin@beachbodycoach.com if you have trouble finding my list of catagories in original blog I refer to. Have fun budgeting!!!!