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13 Compelling Reasons to Invest in Yourself Before Anything Else

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When it comes to building a stable financial future, most people think about investing in stocks or real estate first. But before you put your money anywhere else, consider this: the best investment you can make is in yourself. Investing in yourself pays lifelong dividends, from boosting your income to improving your mental health. It’s about gaining skills, confidence, and resilience that money alone can’t buy. Prioritizing personal growth gives you the tools to handle life’s challenges and seize new opportunities. Here are 13 compelling reasons to invest in yourself before anything else.

1. You Increase Your Earning Potential

Learning new skills or earning certifications can open doors to higher-paying jobs and promotions. When you invest in yourself, you make yourself more valuable to employers and clients. Whether it’s taking an online course or attending workshops, these investments can lead to a direct boost in your income over time.

2. You Build Self-Confidence

Every time you acquire a new skill or knowledge, your confidence grows. This self-assurance carries over into other areas of your life, helping you speak up in meetings, negotiate better, and take on bigger challenges. Confidence can be the difference between staying stuck and moving forward.

3. You Develop Adaptability

Change is constant in today’s world. By investing in yourself, you learn how to adapt to new situations, technologies, and industries. This flexibility is essential for long-term career success and personal fulfillment.

4. You Enhance Your Health and Well-being

Prioritizing your physical and mental health is a crucial part of investing in yourself. Better health means more energy, improved focus, and greater resilience. Activities like regular exercise, meditation, or even therapy can improve your well-being, making you more productive and happier in everyday life.

5. You Expand Your Network

Personal development often puts you in touch with like-minded people. Whether you join a professional group, attend a seminar, or enroll in a class, you expand your circle and open yourself to new opportunities. A strong network can lead to job offers, partnerships, and lifelong friendships.

6. You Gain Financial Literacy

Learning how to manage your finances is one of the smartest ways to invest in yourself. Understanding budgeting, investing, and saving helps you make informed decisions and avoid common money mistakes.

7. You Improve Your Time Management

Time is your most valuable asset. By learning to prioritize and manage your day, you become more productive and less stressed. Time management skills can help you accomplish more with less effort, freeing up space for things that matter most.

8. You Foster Lifelong Learning

Investing in yourself means committing to ongoing education. Lifelong learners are more creative, resourceful, and able to tackle complex problems. The world changes fast, and those who keep learning stay ahead of the curve.

9. You Cultivate Resilience

Life doesn’t always go as planned. Personal growth helps you bounce back from setbacks and handle stress with grace. The more you invest in yourself, the better equipped you are to weather life’s storms and keep moving forward.

10. You Set a Positive Example

When you invest in yourself, you inspire those around you—family, friends, coworkers—to do the same. Your commitment to growth can motivate others to pursue their own goals, creating a ripple effect in your community.

11. You Unlock Your Creativity

Trying new things and gaining new perspectives can spark creativity. Whether it’s learning a language, picking up an instrument, or traveling, these experiences fuel innovation in both your personal and professional life.

12. You Achieve Greater Fulfillment

Investing in yourself helps you align your actions with your values and passions. This sense of purpose leads to greater satisfaction, both at work and at home. You’re more likely to feel fulfilled when you’re growing and living authentically.

13. You Future-Proof Your Career

Industries change, and job roles evolve. By continually investing in yourself, you stay relevant and competitive. Developing new skills and staying informed about trends helps you adapt to shifts in the job market, ensuring long-term career security.

Start Investing in Yourself Today

Making the decision to invest in yourself is one of the most valuable steps you can take for your future. Whether you start small with a new book or commit to a degree program, every bit of personal growth adds up. The rewards go far beyond money—they shape your confidence, adaptability, and overall happiness.

Remember, your growth is the foundation for everything else you want to achieve. Start today, and watch how your life transforms over time.

What’s the most impactful way you’ve chosen to invest in yourself? Share your story in the comments below—we’d love to hear from you!

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12 Important Truths About How Wealthy People Manage Time

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It seems that wealthy people accomplish more in less time. It’s not magic—it’s how they manage time that sets them apart. For those seeking financial freedom, understanding how the wealthy manage their time is just as important as understanding how they manage their money. Learning these habits can help anyone maximize productivity and build a more balanced life. If you want to boost your own results, it pays to study the time management strategies of successful people. Here are 12 important truths about how wealthy people manage time—and how you can apply them, too.

1. They Treat Time as Their Most Valuable Asset

For wealthy people, time is even more precious than money. They know money can be earned, lost, and regained, but every hour that passes is gone forever. That’s why the wealthy guard their time fiercely. They say no to distractions and low-value tasks, focusing instead on activities that bring the greatest returns—whether financial, personal, or professional. This mindset shift is key to effective time management for wealthy people.

2. They Prioritize Ruthlessly

Wealthy individuals don’t try to do everything. Instead, they identify the few tasks that matter most and dedicate their energy to those. They utilize tools like the 80/20 rule (also known as the Pareto Principle) to focus on the 20% of activities that yield 80% of the results. This approach helps them avoid wasting time on things that don’t move the needle.

3. They Delegate and Outsource

Successful individuals are aware of their strengths and weaknesses. They outsource tasks that they’re not good at or that don’t require their personal attention. By delegating tasks—whether it’s bookkeeping, cleaning, or scheduling—they free up time for high-impact work and personal growth. To manage time like the wealthy, learn to let go of control and trust others with routine tasks.

4. They Set Clear Boundaries

Wealthy people are intentional about how they spend their time. They set boundaries with work, family, and friends to protect their schedules. This might mean turning off email after hours, saying no to unplanned meetings, or carving out time for exercise and relaxation. Boundaries help them maintain focus and prevent burnout.

5. They Use Systems and Routines

Habits and routines are the backbone of time management for wealthy people. They create systems for everything from morning rituals to email management. These routines reduce decision fatigue and make productivity automatic. By building reliable habits, they free up mental space for creative and strategic thinking.

6. They Plan Ahead

Planning is a non-negotiable part of how wealthy people manage time. Many spend time each evening or week mapping out their priorities, appointments, and goals. This proactive approach helps them avoid last-minute stress and ensures they’re always working on what matters most. Whether it’s a detailed calendar or a simple to-do list, planning ahead makes a big difference.

7. They Avoid Multitasking

Multitasking may feel productive, but it actually slows most people down. The wealthy understand that switching between tasks leads to mistakes and wasted time. They prefer to focus deeply on one task at a time, producing better results in less time. This single-tasking approach is a hallmark of effective time management for wealthy people.

8. They Invest in Self-Care

Many high achievers make time for physical and mental self-care. Exercise, sleep, meditation, and hobbies aren’t luxuries—they’re priorities. These habits boost energy, creativity, and resilience, allowing them to perform at their best. If you want to emulate wealthy people, don’t neglect your health or personal well-being.

9. They Leverage Technology Wisely

Wealthy people use technology as a tool, not a distraction. They rely on productivity apps, calendars, and automation to streamline their days. But they’re also careful to limit social media and email distractions. By using tech intentionally, they maximize efficiency without falling into the trap of constant connectivity.

10. They Learn to Say No

“No” is a powerful word in the vocabulary of wealthy people. They understand that every “yes” to something unimportant is a “no” to something that matters. By turning down non-essential commitments, they protect their most valuable resource: time. This discipline is vital for anyone serious about managing time well.

11. They Reflect and Adjust Regularly

Wealthy people don’t assume their routines are perfect. They regularly review how they’re spending their time and look for ways to improve. This might mean tracking hours, seeking feedback, or experimenting with new strategies. Reflection helps them stay agile and continue growing.

12. They Focus on Long-Term Goals

Short-term wins are great, but wealthy people keep their eyes on the big picture. They allocate time to activities that align with their long-term vision—whether it’s building a business, growing investments, or deepening relationships. This perspective helps them resist distractions and stay committed to what truly matters. Focusing on long-term goals is a key component of effective time management for wealthy individuals.

Time Management for Wealthy People: Lessons for Everyone

Understanding how wealthy people manage time can transform your approach to productivity. Their strategies—treating time as an asset, setting boundaries, planning ahead—aren’t out of reach for the rest of us. Anyone can adopt these habits and start seeing results in their own life.

What time management practice has helped you the most? Share your thoughts in the comments below!

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Why “Work-Life Balance” Is a Lie for Most People

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The phrase “work-life balance” has become a staple in corporate jargon and self-help literature, promising a harmonious existence where career and personal life coexist perfectly. Yet for most working adults, this idealized concept remains frustratingly elusive. The reality is that the traditional notion of work-life balance often sets unrealistic expectations that leave people feeling inadequate and stressed. Instead of chasing this mythical equilibrium, perhaps it’s time to acknowledge that the conventional understanding of work-life balance is fundamentally flawed for most working professionals.

1. The Mathematical Impossibility of Perfect Balance

The term “balance” implies equal weight on both sides of a scale, but this mathematical precision rarely applies to real life. Most full-time employees spend at least 40 hours weekly at work, plus commuting time, which can easily consume half their waking hours. When you factor in essential activities like sleeping, eating, and basic self-care, the remaining time for “life” becomes severely limited. The 168 hours in a week simply don’t divide evenly between work obligations and personal pursuits for most people with traditional employment. Research from the American Time Use Survey consistently shows that working parents have less than one hour of free time on workdays after accounting for all responsibilities. The expectation of achieving perfect equilibrium between professional and personal domains creates unnecessary pressure and guilt when this impossible standard isn’t met.

2. The Myth of Compartmentalization

The idea that we can neatly separate our work and personal lives into distinct compartments ignores the reality of how humans actually function. Technology has permanently blurred the boundaries between professional and personal spheres, with emails and messages following us everywhere through our smartphones. Our brains don’t have an on/off switch that allows us to instantly stop thinking about work problems the moment we leave the office. Emotional spillover is inevitable—stress from work affects our home life, while personal concerns influence our professional performance. According to research published in the American Psychological Association, the psychological transition between work and home roles takes significant mental energy and time that isn’t accounted for in traditional balance models.

3. The One-Size-Fits-All Fallacy

The conventional work-life balance concept assumes everyone has similar priorities, responsibilities, and definitions of fulfillment. This standardized approach fails to recognize that individuals have vastly different circumstances and preferences regarding how they allocate their time and energy. A single person might prioritize career advancement during certain life stages, while a parent of young children might need more flexibility for family responsibilities. Cultural backgrounds significantly influence how people view the relationship between work and personal life, with some cultures placing higher value on professional dedication than others. Personal temperament and career type also play crucial roles—some thrive on intense work periods followed by recovery time rather than consistent moderation. The rigid balance ideal dismisses these individual differences and imposes a universal standard that works for very few people.

4. The Seasonal Nature of Life and Work

Life naturally flows through different seasons that require varying levels of attention to different priorities, making static balance an unrealistic goal. Career development often demands periods of intense focus and commitment that temporarily shift the scales toward professional pursuits. Family circumstances like caring for young children, supporting aging parents, or navigating health challenges create seasons where personal responsibilities must take precedence. Major life transitions such as relocations, education, or career changes temporarily disrupt any semblance of balance. According to work by organizational psychologist Adam Grant, successful people often embrace these natural ebbs and flows rather than fighting against them. Accepting the cyclical nature of priorities allows for a more realistic approach to managing the competing demands of modern life.

5. The Integration Alternative

Rather than pursuing the impossible ideal of perfect balance, a more realistic approach involves thoughtful integration of work and personal elements in a way that honors core values. This perspective shifts from viewing work and life as competitors for a limited time to seeing them as complementary parts of a meaningful whole. Setting clear boundaries around non-negotiable priorities protects what matters most while allowing flexibility elsewhere. Developing presence and mindfulness helps maximize the quality of time spent in each domain rather than obsessing over quantity. Creating personalized success metrics based on individual values and circumstances provides a more meaningful framework than generic balance ideals. Finding purpose and meaning in both professional and personal pursuits creates a sense of alignment that transcends the simplistic balance metaphor.

Beyond Balance: Embracing Purposeful Imbalance

The most fulfilled people often aren’t those with perfectly balanced lives but those who intentionally allocate their time and energy according to their values and current life circumstances. Rather than striving for an impossible equilibrium, consider embracing “purposeful imbalance”—consciously choosing where to focus based on what matters most to you in this season of life. This might mean temporarily prioritizing career growth, family needs, health restoration, or personal development, with the understanding that these priorities will shift over time. The key is making these choices consciously rather than defaulting to external expectations or feeling guilty about inevitable imbalances. By replacing the rigid balance ideal with a more fluid, values-based approach to life design, you can reduce unnecessary stress while creating a more authentic and sustainable way of living.

What strategies have you found helpful for managing the competing demands of work and personal life? Have you abandoned the traditional notion of “balance” for something that works better for your unique situation? Share your experiences in the comments below.

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10 Secrets of People Who Always Have It Together (And How You Can Too)

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We all know those people—whether it’s a coworker, friend, or family member—who seem to have it all figured out. They’re calm under pressure, organized, and always seem to have the right answer when challenges arise. It can feel like they have some secret formula for success that the rest of us are missing. But the truth is, these people aren’t born with special abilities—they’ve simply mastered habits that keep them grounded, productive, and in control. If you want to join the ranks of those who always seem to have it together, here are 10 secrets you can start using today.

1. They Prioritize Their Mental Health

People who have it together don’t just focus on physical health—they prioritize their mental well-being as well. They make time for activities that calm their minds, whether it’s meditation, journaling, or simply taking quiet time to reflect. Managing stress is a huge part of staying organized and collected.

How You Can Do It: Start with small practices like deep breathing exercises, setting aside 10 minutes a day for meditation, or talking to a counselor. Taking care of your mind is just as important as taking care of your body.

2. They Plan Ahead—And Stick to It

Successful people know the value of planning. Whether it’s planning their week ahead on Sunday night or sticking to a daily routine, they understand that a plan is a map to their success. Planning prevents chaos and helps them stay on track.

How You Can Do It: Use a planner or digital calendar to map out your day, week, or month. Set clear, achievable goals and break them down into smaller tasks to avoid feeling overwhelmed. The more structured you are, the less stress you’ll experience.

3. They Set Boundaries

Having it together doesn’t mean saying yes to everything. People who are always in control understand the importance of setting boundaries—whether it’s with work, social events, or even family. They know that saying no is necessary to protect their time and energy.

How You Can Do It: Learn to say no politely but firmly. Set clear boundaries around your time, and don’t be afraid to prioritize yourself. Saying no is an essential step in maintaining your personal peace.

4. They Embrace Flexibility

While they have a plan, people who have it together also know that life is unpredictable. They embrace flexibility and adjust when things don’t go as planned. Being adaptable allows them to stay calm in the face of uncertainty.

How You Can Do It: Instead of feeling defeated when things go wrong, try to adjust your expectations and look for alternative solutions. Flexibility helps you keep your cool and adapt quickly when the unexpected happens.

5. They Take Time for Self-Care

People who always have it together understand the importance of self-care. They make sure to take time for themselves to recharge, whether it’s taking a walk, enjoying a hobby, or just having a relaxing bath. They know that self-care is an investment in their ability to perform at their best.

How You Can Do It: Schedule time for self-care just like any other important appointment. Whether it’s taking a walk, reading, or pampering yourself with a spa day at home, make sure you are prioritizing moments for relaxation.

6. They Stay Organized (And Stay On Top of It)

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People who have it together are often incredibly organized. They keep their home, workspace, and schedule in order, which helps reduce stress and confusion. By staying on top of their tasks, they avoid last-minute scrambling.

How You Can Do It: Start by organizing one area of your life—your desk, closet, or even your digital files. Create systems to stay on top of important tasks, and keep your environment tidy. A clean space leads to a clear mind.

7. They Don’t Sweat the Small Stuff

People who seem to have it all together don’t get bogged down by every little issue. They know that stressing over minor setbacks wastes valuable energy. Instead, they focus on the bigger picture and move forward with confidence.

How You Can Do It: Practice letting go of small annoyances and focusing on what really matters. When you feel yourself stressing, pause and assess whether the issue is truly worth your time and mental energy.

8. They Maintain a Positive Mindset

Staying positive and focused on solutions is a key habit of people who seem to have it all together. They understand that a positive attitude helps them overcome obstacles and maintain motivation. Even in difficult situations, they choose optimism over negativity.

How You Can Do It: Start your day with affirmations or focus on gratitude. If you encounter a challenge, look for a silver lining and focus on what you can control. A positive mindset can change the way you approach problems and increase your resilience.

9. They Keep Learning and Growing

People who have it together are always looking for ways to improve themselves, whether through learning new skills, reading, or engaging in self-reflection. They believe that growth is a lifelong process, and they’re committed to continual self-improvement.

How You Can Do It: Dedicate time each week to personal growth. Read books, take online courses, or engage in activities that challenge you intellectually. The more you invest in your growth, the more confident and capable you’ll feel.

10. They Surround Themselves With Positive Influences

Successful and organized people understand that who they surround themselves with has a big impact on their mental state. They choose to be around individuals who lift them up, encourage them, and offer support. Positive relationships help them maintain their focus and stay grounded.

How You Can Do It: Evaluate your social circle. Are you surrounded by people who encourage and support you? If not, seek out relationships with people who inspire you and make you feel good about yourself.

You Can Have It Together Too

The secret to “having it together” isn’t about being perfect or never making mistakes—it’s about cultivating the habits that help you stay grounded, organized, and focused. By incorporating these 10 habits into your own life, you’ll start to notice a shift in how you handle challenges, manage your time, and take care of yourself. Remember, it’s a journey, and small changes over time can lead to big improvements in your life.

Start adopting these habits today, and soon, you’ll be the person who always seems to have it together.

Do you know someone that seems to have it all together? What are their daily habits that inspire you? We’d love to hear more in the comments below.

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Today’s Mistakes Are Tomorrow’s Regrets: 10 Things You’re Doing Right Now That You’ll Regret Later

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We all make decisions every day—some small, some large—that shape the course of our lives. While some choices might seem harmless at the time, many habits or actions you take now could end up being the source of regret later. You may not see the long-term consequences immediately, but trust that the things you’re doing today could have a lasting impact on your future. Here are 10 common mistakes that you’re probably making right now, and why they may lead to regrets down the road.

1. Neglecting Your Health

It’s easy to push health to the backburner when life gets busy, but neglecting your well-being can lead to serious regrets later. Skipping workouts, eating poorly, and not getting enough sleep may seem manageable in the short term, but over time, these habits can catch up with you. Poor health doesn’t just affect your physical appearance; it can lead to chronic conditions that require expensive treatment and reduce your quality of life. Make your health a priority today by adopting healthier habits, because it’s much harder to reverse the damage once it’s done.

2. Ignoring Your Financial Future

It’s tempting to live for today and spend without thinking about tomorrow, but failing to save for your future is one of the biggest financial mistakes you can make. Putting off retirement savings or not building an emergency fund may seem like a minor issue now, but in the long run, it can leave you scrambling to make ends meet when life throws a curveball. The earlier you start saving and investing, the more secure your future will be. Don’t wait until retirement age to realize that you’ve neglected to plan—start making smart financial moves now to avoid regret.

3. Staying in a Toxic Relationship

If you’re holding on to a toxic relationship out of fear, familiarity, or convenience, you might find yourself looking back with regret. Staying in a relationship that drains you emotionally, mentally, or even physically may seem easier than making a change, but it ultimately harms your well-being and personal growth. Whether it’s a romantic relationship, friendship, or even a toxic family bond, staying stuck in negativity prevents you from embracing healthier and more fulfilling connections. Letting go of what no longer serves you is often the hardest but most important decision for your future happiness.

4. Avoiding Difficult Conversations

We’ve all been guilty of avoiding tough conversations, whether it’s with a partner, friend, or family member. But avoiding important discussions can lead to unresolved issues that fester over time. Avoiding conflict often only prolongs the inevitable and can create long-term resentment or misunderstanding. Addressing difficult topics early on helps build trust and understanding in relationships. It might be uncomfortable at first, but facing the truth is far better than dealing with regret later for not having the courage to speak up.

5. Overworking and Burnout

In today’s hustle culture, many people push themselves too hard at work, thinking that constant effort will lead to success. However, overworking yourself can lead to burnout and regret. When you sacrifice your mental health, relationships, and personal time for work, you risk losing everything that truly matters. No promotion or paycheck is worth your health and happiness. Learn to set boundaries, take time for self-care, and recognize when it’s time to unplug. Work-life balance isn’t just a nice idea; it’s essential for long-term success and fulfillment.

6. Neglecting Personal Growth

If you’re not continually learning, evolving, and working on personal development, you could be setting yourself up for future regret. Personal growth doesn’t just mean career success—it involves learning new skills, improving your emotional intelligence, and taking on challenges that push you outside your comfort zone. Without personal growth, you risk stagnating, and that lack of progress can lead to regret when you realize you haven’t achieved your full potential. Commit to learning something new, whether it’s through reading, taking a course, or seeking out experiences that challenge you.

7. Chasing Perfection

Many people spend their lives chasing perfection in their work, relationships, or appearance, but perfection is an illusion. Striving for unattainable standards can lead to disappointment and self-criticism. Instead of obsessing over being perfect, focus on progress, self-compassion, and accepting imperfections. Life is about growth, not perfection. You may find that the pursuit of perfection is a major source of stress and regret, especially when you realize that it’s preventing you from appreciating the beauty of your journey.

8. Procrastinating Important Decisions

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Putting off important life decisions is an easy trap to fall into, but the longer you wait, the harder it becomes to make a change. Whether it’s switching careers, moving cities, or making a financial investment, procrastination only leads to missed opportunities. Overthinking or waiting for the “perfect moment” can leave you stuck in an unfulfilled situation. Don’t let fear or indecision control your life—take small steps to move toward the change you want, and you’ll be thankful you did it sooner rather than later.

9. Living for Others’ Expectations

Trying to live up to other people’s expectations—whether from family, friends, or society—can prevent you from living authentically. If you’re constantly making choices based on others’ opinions, you’ll find yourself unhappy and disconnected from your true desires. It’s natural to want approval, but living for others’ validation can lead to regrets when you realize you’ve spent your life chasing someone else’s dream. Instead, focus on what makes you happy, pursue your passions, and live according to your own values.

10. Taking Your Time for Granted

One of the most overlooked aspects of life is time. We often assume we have plenty of it to achieve our goals, mend relationships, or take care of ourselves. But time is finite, and waiting too long to make meaningful changes can lead to regret when you realize how quickly it’s passed. Whether it’s spending more time with loved ones or pursuing a long-desired passion, don’t wait for the “right time.” Start today, because every day you delay brings you closer to missed opportunities and regrets.

Today’s Decisions Shape Your Future

The decisions you make today will shape your future, and while it’s easy to brush off the little things, those choices can accumulate and lead to long-lasting regret. Don’t wait for a wake-up call to start taking care of yourself, your finances, or your relationships. Take action now, and you’ll be grateful for the positive changes you make in your life. Every step you take today is a step toward a future you can be proud of.

Have you made mistakes in your past that you’re paying for now? Have you been able to resolve the issues? If so, tell us more in the comments below.

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Own a Business? Think About Your Plan

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Hey, everyone! I’m back here….it appears OG and I are going to write at FFA once per week. My posts here will be more structured and on-task than my writing at Stacking Benjamins. If you’re looking for more humorous writing, find me there……

 

I just got off the phone with my coach. We have a session three times per month and they’re a powerful use of time. Not only do we focus on business, but on the balance between my business, personal and spiritual life.

This month we’ve begun digging deep. Here’s what we’re working through:

1)   I’ve listed all of my important strategic priorities for the fall.

If I don’t prioritize what’s important to me right now, I find that it gets lost in the shuffle. It’s better to plan my fall now to make sure that those events that are important to my business and family all make the cut.

2)   I took out the calendar and planned my model week. This also included making sure I block out time for family and friends. I don’t want to get buried in my work and forget my priorities.

For me, the Apple calendar works best because I use mostly Apple products. However, you should do something similar and find a good  calendar that will automatically sync with all your devices. That way, whenever you remember something that needs to be added to a calendar, you don’t have to worry about being at your desk.

3)   I reviewed my business accounts. Because I’m starting to build up some money in my business accounts that I’ll be spending later in the year, I’m interested in business savings. By setting up separate accounts, I can make sure my “buckets of money” for different projects don’t inadvertently get spent on other, less important pursuits.

4)   I scheduled creativity.  This is an important one for me. To write entertaining pieces and fun podcasts takes a ton of creative “juice.” Studies have shown that a neatly sewn calendar actually decreases creativity. I’ve scheduled time to read (called R&D) and time to play games with friends. I also schedule time to listen to other podcasts and read other blogs.

5)   I created automation whenever possible. If I could automate it, I’ve scheduled ways to get it done. Much of my twitter and Facebook posting can be prescheduled. Because I’ve found a bank that offers free business banking, I’ve automated much of my financial tasks. Anyone helping me on the back end of the site is given tasks each Monday so that I’m able to concentrate on the reader experience.

 

That’s what I’m doing to plan for the fall. How about you?

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