Posted by: orquideablanca | October 2, 2008

Owe nothing – don’t get into debt

Picture by Kevin.

Prov 22:26,27
Do not be a man who strikes hands in pledge or puts up security for debts; if you lack the means to pay, your very bed will be snatched from under you.

Romans 13:7,8
Give everyone what you owe him: If you owe taxes, pay taxes; if revenue, then revenue;
if respect, then respect; if honor, then honor. Let no debt remain outstanding, except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law.

It’s a commandment to not get into debt:
o Always pay (with real money, debit card) for everything you need
o When tempted to charge credit, make note of it and review it 1 week later, if you still want it, consider it for another week, if you still want it, ask for second opinion, then decide if its wise to purchase

For building good credit purposes:
 With a credit card or dept. store card, ALWAYS owe less than 50% of the credit line
 When you purchase on credit, charge only the amount you can pay off on 2 months, max
 For a very important/big purchase, make a game plan that includes savings, fund-raising and bargain shopping, refer to points two previous points.

Posted by: orquideablanca | October 2, 2008

Time Management Tips – Part II


Pciture by audreyjm529.

Working on Goals You can set many goals without worrying about spreading yourself too when you make a distinction between “setting” a goal and “working on” a goal.

Spread out your due dates Avoid setting a large number of difficult goals with tasks due at the same time.

Look for ways to combine goals and tasks For instance, if you have a goal to take a vacation and a goal to get better at photography, consider taking a travel photography class that spends a week in the wilderness snapping pics.

Milestones Each milestone you reach is a major, tangible step closer to your goal. It has special meaning as a measure of success, even though the complete goal has not yet been fully realized.

Rewards Celebrate and reward yourself when you reach a very important milestone, or when accomplish a goal.

Evaluation Set dates on a quarterly basis to set aside time to evaluate your progress on your goals (Example: March, June, Sept, Dec).

Posted by: orquideablanca | October 1, 2008

Time Management Tips – Part I

Photo by rightee.

I am always wanting to learn about living a producitve life. That’s why I enjoy taking seminars, reading books and articles on the subject of Time Management. These are a few of my personal notes on the subject:

Setting Priorities Setting priorities is the first step in improving your productivity and achieving your goals. Tasks or objectives must be clearly stated and organized in a realistic sequence.

Values Think about your values and write down those that really matter to you. Cut out activities that aren’t consistent with your core values.

Many little bits make big bytes Make the bigger tasks easier to handle by breaking them down into smaller tasks that are easy to complete. You’ll be more likely to get started if a task doesn’t feel as though it’s a big deal.

To Do List When you’ve finished your to-do list for a specific task, go over it one more time and prioritize each task. Don’t make it too complicated, just have three levels of priority—“I Need to Do This,” “I’d Like To Do This” and “It’d Be Great If I Have Time To Do This.”

The Next Step Don’t ask “What’s more important?” Instead, ask “What am I going to focus on right now?”

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