We only have twenty-four hours in a day. It is important that we learn how to make the best use of our time to accomplish the plans, goals, and visions for our lives. If we don’t use our time wisely, we will fail to achieve our destinies in work and our personal lives.

By learning how to manage our time effectively, we can take control over our futures and put a plan into action that can help bring our dreams to pass. Sadly, many people never learn how to manage their time, and unfortunately never live a life that is truly rewarding.

Research has shown that those who don’t know how to manage their time suffer more depression, anxiety, fear, and stress then those who live a life that is ordered and organized. A life that is out of order is unhealthy, unproductive, and unfulfilling.

When order is added to the schedule, it is easy to reach your goals and to have more free time. You can use your free time to enjoy with your family, friends, and on activities that are rewarding. This is a much healthier lifestyle then living in chaos and confusion.

The first step to bringing time management into your life is to begin with order and organization. Take a look around your work at home office- is it in order? If it isn’t then you can be sure that you aren’t making the best use of your time.

Order should begin with your desk and your home office. You may need to purchase some items such as filing cabinets, folders, software programs, and even equipment. However, an investment in organization is an investment in your business.

You should never bypass purchasing an item that will help keep things in order due to the expense. These items are not only tax deductions, but they will help you make the best use of your time which in turn will bring in more money.

You may need to take an assessment of your daily routine to see where you can benefit from more structure, order, and organization. Think about your day and all of the activities that you are involved in. Identify the weak spots of your routine.

Once you have determined where you need order, then it is time to get organized. You will need to purchase a planner so that you can take note of your goals as well. Putting your yearly, monthly, weekly, and daily goals on paper is the beginning of success.

At first, the idea of assessing your life an identifying your long and short-term goals may seem overwhelming but it shouldn’t be. Think of this as a time to imagine your dreams and visualize what you would like to accomplish if you had no restraints.

You should begin by starting to look over your entire life, your priorities, goals, ambitions, and aspirations. This isn’t just business related either; write down your personal goals as well.

After you write all of your goals you will need to look at the steps that you will need to take to achieve them. This will help you see which goals can be reached in the short term and the long term. After you assess your goals, you will need to classify them.

By classifying your goals into yearly, monthly, weekly, and daily you can begin to work on a reasonable plan to meet them. You will also need to work on a daily plan or a To Do list. This list will be the crux of your time management.

The best way to stay focused on your goals is to set aside the same time, day or night to assess your goals, and to continually review your daily plans. You should check off the things that you have completed and add new tasks to your daily plan.

By continually adding one thing from your yearly, monthly, and weekly goal list to your daily plan, you will find that soon you are checking off more of your goals and have successfully achieved them. By organizing your life in this manner you can be a success.

Order and organization are vital components to successful time management. By keeping your life in order and giving your schedule the organization needed to manage your time, you can devise a plan that will allow you to successfully meet your goals.

Without time management your life will be characterized by chaos and confusion and you are more succesptible to stress, anxiety, and fear.


About the author::

Peter Dobler is a 20+ year veteran in the IT business. He is an active Real Estate Investor and a successful Internet business owner. Collect more free software and bonus content for your own web site at http://www.online-business-idea.com

Visit our sponsor http://www.sell1on1.com

Kathleen Sutera

What is finance and what do you need to know? Finance can
mean different things. It may refer to your personal
financial situation. It could refer to your investments or a
business's investments. It could refer to a credit or loan
purchase.

Financing can be involved in your life in different ways.
For example, if you are going to invest in a large purchase
such as a house or even a car. Large furniture purchases and
credit cards all fall into these categories. Interest rates
are the most integral part of financing. Why else would a
company want to loan you money or offer you credit? How else
would they benefit? They benefit from the interest that you
have to pay in on financing your loan. There are different
types of financing options available.

The percentage rate is the amount of interest that you pay.
The percentage rate is the certain portion of your loan or
credit that you pay back in interest. For= example, if your
loan was for $40,000 and your interest rate was 12.3% then
you would pay 12.3% of $40,000 in interest. The interest
would be added onto your $40,000 and you would pay it back
via your monthly payments.

Fixed rate: A fixed rate means your interest rate will stay
the same no matter what. People usually prefer these. If you
can get a low fixed rate, it will stay with you even if
other average interest rates are going up. Balloon rate: A
balloon rate can fluctuate with the times and the stock
market but depending on the situation, this can be
beneficial to you as well. You will have to decide which you
think is best for you.

There are different types of financing options as we
mentioned earlier. Probably the most common example of
finance in the United States is credit cards. A credit card
allows you to make purchases with the card. The bank issuing
the card will pay on your behalf and you then pay the= bank
back, plus the interest. The bank makes money off the
interest and you get what you want right away.

The same thing applies to pay-as-you-go or rental furniture
companies. There are even rent-to-own housing services now
where your monthly rent can go towards buying the house if
you want to stay. Financing should be a way to help you
achieve something that you're going to be purchasing anyway.
Financing can get you in your house quicker than saving up
the cash. Become knowledgable and financing can be a tool
that will serve you well.

About the Author

The author has discovered that what you do NOT know about your finances can hurt you. She has shared her knowledge and tips about finances with thousands of people and helped them to have a good relationship with money and financial matters

Kathleen Sutera is founder of All About Finance an excellent resource site dedicated to information on finance

Debra Lohrere

To find money to invest for your future, you need to make sure that your outgoing expenses are less than the income that you are receiving. You need to develop an excess that you can have free to invest.

Now before you start to think...."well I don't have any excess left...if I was earning more money....then I would have some free". Let me dispel this myth...and tell you that it is a known and excepted fact that the amount of money that people earn has little if any bearing on whether or not they have an excess left to invest. The only way to create an excess it to spend less than you earn, instead of spending all that you earn.

Even doctors and lawyers, who earn well over $100,000.00 per year, often end up at retirement with little more Net Worth than factory or office workers.

Net Worth is calculated by deducting the value of all the liabilities or loans you have from the income-producing assets owned to give you the net value of= your income-producing assets.

Why aren't high-income earners retiring wealthy? Why don't they end up with a greater Net Worth than someone on a low income? It is quite simple. Human nature seems to dictate that whatever anyone earns....they spend....some even spend more than they earn and charge it on their credit card.

The higher your income grows...the more you spend and the only way to get out of this cycle is to realise that it is happening, and make a concerted effort to reverse this habit....and to begin reducing your expenditures so that you can free up money to invest.

The best way to do this, is to try the 20/80 plan. This plan simply means that as soon as you receive your pay....you put aside 10% for God, 10% of it for investment....and then use the other 80% to live off of. Put aside the 20%, and then pay all the bills and do the grocery shopping....and then after that whatever is left over you can spend.

Most people do it the wrong way= around...they pay the bills, do the shopping and spend what is left over, never leaving any left to save or invest. By taking the investment money out first you will alleviate the temptation to spend it.

The road to wealth is not determined by how much you earn, but by how you utilise the income you have and how much you save and invest.

You need to take control of your finances. One of the best ways to start having more control over your money is to find out where it has all been going, and then amend your spending habits to allow you to live within the 20/80 plan.

If you write down a list of your monthly net income, then in another column write down a list of the essential items that you have to spend money on. You should be able to work out an average for telephone, gas, electricity, insurances and rates, from your previous bills. Work out an average of how much is spent on grocery shopping and petrol. If there are any other necessary utilities include them= as well. Then deduct the second column from the first - and this will give you the maximum potential savings for each month.

It can be quite startling how high this figure can be and make you wonder where all the extra money went.

Another good learning experience is to simply write down for a fortnight every dollar spent and write next to it what it was for. You will soon find that there are a lot of unnecessary expenses, often caused by impulse buying, where you have spent money on items that you neither needed or really wanted, and could easily have gone without.

When you can begin to recognise these areas, and start to consider whether or not you are spending your money wisely, before you hand it over, then you will be beginning to take control over your money and are well on the way to embarking on your investment journey, which will enable you to have a financially secure future for you and your children.

Visit my website at To find money to invest= for your future, you need to make sure that your outgoing expenses are less than the income that you are receiving. You need to develop an excess that you can have free to invest.

Now before you start to think...."well I don't have any excess left...if I was earning more money....then I would have some free". Let me dispel this myth...and tell you that it is a known and excepted fact that the amount of money that people earn has little if any bearing on whether or not they have an excess left to invest. The only way to create an excess it to spend less than you earn, instead of spending all that you earn.

Even doctors and lawyers, who earn well over $100,000.00 per year, often end up at retirement with little more Net Worth than factory or office workers.

Net Worth is calculated by deducting the value of all the liabilities or loans you have from the income-producing assets owned to give you the net value of your income-producing assets.

Why aren't= high-income earners retiring wealthy? Why don't they end up with a greater Net Worth than someone on a low income? It is quite simple. Human nature seems to dictate that whatever anyone earns....they spend....some even spend more than they earn and charge it on their credit card.

The higher your income grows...the more you spend and the only way to get out of this cycle is to realise that it is happening, and make a concerted effort to reverse this habit....and to begin reducing your expenditures so that you can free up money to invest.

The best way to do this, is to try the 20/80 plan. This plan simply means that as soon as you receive your pay....you put aside 10% for God, 10% of it for investment....and then use the other 80% to live off of. Put aside the 20%, and then pay all the bills and do the grocery shopping....and then after that whatever is left over you can spend.

Most people do it the wrong way around...they pay the bills, do the shopping and spend= what is left over, never leaving any left to save or invest. By taking the investment money out first you will alleviate the temptation to spend it.

The road to wealth is not determined by how much you earn, but by how you utilise the income you have and how much you save and invest.

You need to take control of your finances. One of the best ways to start having more control over your money is to find out where it has all been going, and then amend your spending habits to allow you to live within the 20/80 plan.

If you write down a list of your monthly net income, then in another column write down a list of the essential items that you have to spend money on. You should be able to work out an average for telephone, gas, electricity, insurances and rates, from your previous bills. Work out an average of how much is spent on grocery shopping and petrol. If there are any other necessary utilities include them as well. Then deduct the second column from the first -= and this will give you the maximum potential savings for each month.

It can be quite startling how high this figure can be and make you wonder where all the extra money went.

Another good learning experience is to simply write down for a fortnight every dollar spent and write next to it what it was for. You will soon find that there are a lot of unnecessary expenses, often caused by impulse buying, where you have spent money on items that you neither needed or really wanted, and could easily have gone without.

When you can begin to recognise these areas, and start to consider whether or not you are spending your money wisely, before you hand it over, then you will be beginning to take control over your money and are well on the way to embarking on your investment journey, which will enable you to have a financially secure future for you and your children.

To find money to invest for your future, you need to make sure that your outgoing expenses are less= than the income that you are receiving. You need to develop an excess that you can have free to invest.

Now before you start to think...."well I don't have any excess left...if I was earning more money....then I would have some free". Let me dispel this myth...and tell you that it is a known and excepted fact that the amount of money that people earn has little if any bearing on whether or not they have an excess left to invest. The only way to create an excess it to spend less than you earn, instead of spending all that you earn.

Even doctors and lawyers, who earn well over $100,000.00 per year, often end up at retirement with little more Net Worth than factory or office workers.

Net Worth is calculated by deducting the value of all the liabilities or loans you have from the income-producing assets owned to give you the net value of your income-producing assets.

Why aren't high-income earners retiring wealthy? Why don't they end up with a greater= Net Worth than someone on a low income? It is quite simple. Human nature seems to dictate that whatever anyone earns....they spend....some even spend more than they earn and charge it on their credit card.

The higher your income grows...the more you spend and the only way to get out of this cycle is to realise that it is happening, and make a concerted effort to reverse this habit....and to begin reducing your expenditures so that you can free up money to invest.

The best way to do this, is to try the 20/80 plan. This plan simply means that as soon as you receive your pay....you put aside 10% for God, 10% of it for investment....and then use the other 80% to live off of. Put aside the 20%, and then pay all the bills and do the grocery shopping....and then after that whatever is left over you can spend.

Most people do it the wrong way around...they pay the bills, do the shopping and spend what is left over, never leaving any left to save or invest. By taking the= investment money out first you will alleviate the temptation to spend it.

The road to wealth is not determined by how much you earn, but by how you utilise the income you have and how much you save and invest.

You need to take control of your finances. One of the best ways to start having more control over your money is to find out where it has all been going, and then amend your spending habits to allow you to live within the 20/80 plan.

If you write down a list of your monthly net income, then in another column write down a list of the essential items that you have to spend money on. You should be able to work out an average for telephone, gas, electricity, insurances and rates, from your previous bills. Work out an average of how much is spent on grocery shopping and petrol. If there are any other necessary utilities include them as well. Then deduct the second column from the first - and this will give you the maximum potential savings for each month.=

It can be quite startling how high this figure can be and make you wonder where all the extra money went.

Another good learning experience is to simply write down for a fortnight every dollar spent and write next to it what it was for. You will soon find that there are a lot of unnecessary expenses, often caused by impulse buying, where you have spent money on items that you neither needed or really wanted, and could easily have gone without.

When you can begin to recognise these areas, and start to consider whether or not you are spending your money wisely, before you hand it over, then you will be beginning to take control over your money and are well on the way to embarking on your investment journey, which will enable you to have a financially secure future for you and your children.

Visit the authors web site at http://members.optushome.com.au/dlohrere/

About the Author

Debra has spent several years researching the powerful medium of property investment and speaking with hundreds of other property investors. She has discovered many different strategies that have been used and the ones that have worked best. She now writes books and articles about property investment, goal setting, budgeting and how to create financial security for retirement

Time management is the key to success in the workplace as well as in our personal lives. Without proper time management you cannot meet your daily goals or finish your work on time. You will ultimately fail in your business and your life will be filled with stress.

One of the ways to ensure that you are performing your job to your utmost ability is to practice time management skills. By making the best and most effective use of your time, you can ultimately achieve your goals and ambitions and be a success.

Time management includes making goals and taking the effective steps necessarily to meet them. You will need to make an assessment of your goals and ambitions and write them down. This is the beginning of creating a plan that will help you be a success.

Studies have shown that those who write down their goals, dreams, and aspirations have a higher rate of achieving those dreams then those who never take the time for personal or professional assessments. You should have many notebooks that are full of your dreams.

There are only 24 hours in a day, so you must make sure that you are doing everything possible, within your power, to make the most out of each day to reach your goals. In fact, those who make their goals suffer less depression and anxiety in their lives.

Time management also means that you have to save time for emergencies. What this means is that no matter how much planning you strive for, emergencies will arise and you will have to have a certain degree of flexibility to deal with these issues when they occur.

You should also make sure that when planning your goals that you don’t overlook time for your family, your spiritual or religious activities, and downtime for yourself as well. Make sure that you include these activities in your long and short-term goals.

Planning is the key to making sure that your time is spent efficiently and effectively. You should find a time, the same time every day or night to assess your goals and create an effective list of the activities that you need to achieve that day.

By completing your list daily, and reviewing your achievements, you will find that you will be able to meet your goals easily and in an organized manner. When you review your day’s goals you should also ask yourself some specific questions about your productivity.

For example, ask yourself if you accomplished the most important tasks that you had assigned for yourself that day. If you didn’t complete your goals, ask yourself where you went wrong. You can learn from your mistakes, as you can from your successes.

Don’t beat yourself up if you don’t complete your goals, just take the time to look over your list and assess where you went wrong or could use some improvement. If a phone call or a visitor sidetracked you, make a note of that.

As well, if you successfully accomplished some of your goals then you should note what it was that you did that led to the success and repeat the same procedure. You will find that effectively reviewing your day is the best way to maintain your success.

Once you identify areas where your time is being wasted, you must take steps to change the behavior or activity. Sometimes the biggest cause of mismanaging our time is due to boredom or a lack of focus. Some people have a harder time focusing than others.

If you are a natural daydreamer or prone to a lack of concentration, then you may need to take extra steps to ensure that you don’t lose your focus during the day. Look for triggers that may distract you. By identifying these you will be able to plan around them.

Some triggers that may distract you could be phone calls, visitors, checking Email frequently, surfing the Internet, children, spouses, television and reading the news. Those who work from home have many more distractions available to them then others.

Plan your workday and do your best to remove these distractions. Some people are surprised to learn that to successfully work from home, may mean that someone else needs to watch the children. It can be very difficult to juggle both work and kids.

By preparing for your day, you will find that planning is the key to time management and is a vital key to unlocking the door to your success. Effective time management is important to reach and attain your dreams, goals, and aspirations.


About the author::

Peter Dobler is a 20+ year veteran in the IT business. He is an active Real Estate Investor and a successful Internet business owner. Collect more free software and bonus content for your own web site at http://www.online-business-idea.com

Visit our sponsor http://www.sell1on1.com