Friday, December 5, 2008

Money And Stress - Find Hidden Money, Time And Simplify Your Life

By Christina Helwig

Take a good look around your life. Can you simplify it in anyway? How cluttered is your house? Your desk? Your schedule? Your bills, etc.

Simplification eases the stress that normal life places on you. When you simplify you are clearing away pressures and or items that get in your way of functioning. You cannot think clearly and focus on your goals if you are stumbling over items in your office, laundry, piles of mail or a stack of "stuff" that you do not actually need to keep.

To have a clear mind and the freedom to use your time to your best advantage you need to simplify your life. You need to get rid of all the "stuff" in your house that you have to move back and forth for no reason. One of your very first goals should be to clear yourself a work space in your home. This space needs to be totally yours and it needs to be clean at all times. This space should also be quiet and preferably be somewhere that you can shut a door and work alone.

In addition to cleaning up and simplifying your home you should take a good look at the activities that you have committed your time to. Often in the soccer mom culture we over-extend ourselves time wise. We say "yes" to dinner with a friend when we really just want to have a night off. We over schedule our children's schedules and by default our own time since we are responsible for driving them around and preparing them for events.

What have you said yes too lately that you don't really want to do? Make a list of all your activities and cross off ones that are not important to you. This includes doing things like the grocery shopping. In many cities you can pay a small fee and have all your groceries ordered online and delivered to you. The hour and a half to two hours you used to spend at the grocery store can now be spent working on your purpose. Continue with this activity until you free up over 15 hours a week to spend working on your goals.

If you are living with a significant other see if the chores are evenly spread between you and your partner. If they are not - redistribute them evenly. Both of you deserve to have free time to work on your special goals. By sharing responsibilities as a team you allow each other to have the bliss of working on projects that are important to each of you. Your spouse will be much happier and so will you.

An area that always needs serious attention is your personal finances. Are there things in your budget that you do not need or really don't have the money for? Are you paying for t.v. channels that you do not watch? What about your home and cell phone? Do you actually use both? Can you switch car insurance to save money? How much food are you buying that just ends up being tossed out? If the family won't eat a certain food, then don't buy it.

Simplifying is to take stress off your life both mentally and financially. The additional cash that you "discover" once you have reduced your obligations, you should use to work on your goals. Before you might have believed that you could not afford to put any money towards your goals . . . simplifying your life will give you room in your budget to afford to pay for projects you care about. Even if it you can only find $20 a month to spend on your goals that is good start. Over time you will make choices and decide whether a going out for to eat or putting that money towards your chosen goal is the correct decision. - 16463

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