Monthly Archives: October 2014
As wonderful as our wedding was, it feels like I am getting back in the swing of things, two months later. I’ve got no less than ten unfinished or ongoing projects in various states. I don’t care how much of a ninja/badass/hustler/insert other trendy workaholic term you are, there is no way to devote quality time and attention to ten different directions.
Maybe even five is too many. That’s being pulled in too many directions to give anything a fair shake. That’s not to mention the full-time and demanding job I have and the hour (minimum) I need to exercise each day. I guess this was the perfect time to run into the book Essentialism: The Disciplined Pursuit of Less by Greg McKeown.
I want to do way too much. I’m trying to write for too many different outlets when I should simply be practicing my craft, either online or offline, audience or no audience. I’m trying to help every single person who comes my way with a business idea when I should be doing that only for a select few, and only when I have a stake in the business or I am getting paid well for it. I can’t afford to waste time.
We only have so many years, and the simple truth is that once you have a family, your time to focus on these pursuits will be even less, so now is the time to lay the groundwork and do the heavy lifting. If you don’t do it now, if you don’t pursue what matters most right now, you will find yourself five years down the road, still working for the same low wages and fees. You need to focus now to develop your best skills to command the highest possible rates.
You do have a number of different options when improving your skills and escaping your current situation. Obviously, going back to school and completing a university degree is an option, but this strategy is expensive and very time consuming. On that same note, however, you could enroll in an online degree program, which would provide you with all of the benefits of going back to school at a fraction of the cost. Earning a new degree online allows you to save on commuting and relocation costs, while ensuring that you do not have to quit your job as you upgrade your education.
Are you being pulled in many different directions, trying to develop and work on tons of things at once, and not really getting anywhere with any of them? I recommend reading Essentialism. This is a book that will be a quick read, but you’ll want to go back and reread the book at least two more times to analyze what’s being said and how you can apply it in your own life.
For me, it’s always been about surrounding myself with way too many small-time projects. It’s time to cut out even the ones that make money.
Let’s be honest, is a freelance writing gig that takes up two hours of your time really worth the extra $30-$50? I used to think it was, but that was when I was up to my eyeballs in debt and my day job income was a pittance. I’ve since improved my lot, but not my outlook. I’ll still accept most jobs when someone needs help and they want to throw some cash my way. But I don’t want more anymore. I don’t need to buy new clothes, I’m not itching to get away, show off in a new car, or even go out to the newest restaurant (although I’m a sucker for Michelin stars).
I’m seeking a simple, rewarding life. The discipline pursuit of less isn’t just about stuff. It’s about guarding your time like a squirrel jealously guards its acorns in the middle of winter.
There are only a few things I seek in my finances and career going forward: establishing the experience to become a C-level executive, owning a profitable business, becoming a writer that can fully develop a story in both fiction and non-fiction, and earning enough income to save and invest the majority of the income earned. The time I spend on everything else professionally is extraneous to those key goals. And those are already several big goals. So what am I doing spending the majority of my time elsewhere? I think it’s time to make some bold moves.
Are you working on cutting down on the tasks that take up too much time and provide little reward?
Personal installment loans are similar to installment loans for car payments and mortgages. This type of credit is mostly extended to those with impeccable credit and those that offer the lowest financial risk to the lender. There are secured and unsecured loans available in installments. The main difference is that unsecured loans do not require any collateral or deposits. Secured loans are often secured with homes or vehicles as collateral.
The main benefit of personal installment loans is that the payments are fixed. The monthly payment is determined by the amount of the loan plus the interest rate and is then divided by the available terms options for repayment. Installment payments are due on the same date every month.
Many lenders offer automatic billing and direct withdrawals for repayment. This is convenient as there are no worries about missing a payment or making late payments.
Paying Debt Off Faster
Personal installment loans do not have penalties for paying balances off in full. You can also make more than the minimum payment due. This helps to pay the loan down faster. If possible, make double payments every month.
Interest Rate Differences
The interest rates do vary on personal installment loans. Unsecured loans typically have a higher interest rate because there is no collateral assigned to the loan. This is a bigger risk for the lender. Secured loans have items listed such as homes, cars and other items of value that can be seized should the borrower default on the loan.
Personal Line of Credit
In some cases, a personal line of credit is offered instead of an actual loan. These are similar to revolving credit accounts. Consumers are given a limit to borrow against. The difference here is that once funds are paid back, they can be borrowed again and the cycle continues. In this situation you are only charged interest on the amount borrowed rather than the entire value of the line of credit. This is often a better option for consumers since they are essentially borrowing on their own terms.
Most personal loans are set for repayment over a period of 12 to 18 months. These terms are convenient for the lender as most personal loans are several thousand dollars but are not typically high dollar amounts. Speak with the lender about the available terms for repayment as some may offer longer repayment periods. Compare the payments and interest rates of both unsecured and secured personal loans before agreeing to the arrangements.
Autumn is the time where leaves begin to fall, temperatures turn chilly, and most importantly, football kicks off! Who doesn’t love a good tailgating party and hanging out with close friends? Just make sure you are making it easier on yourself so you can enjoy the party too! Here are some tips to make tailgating prep easier so you can enjoy your company rather than worrying about coordinating the minutia.
- You can never have enough ice packs for a cooler so this tip is handy! Freeze a few water bottles and throw them in your cooler the day of to not only keep your beers and drinks ice cold, but so you’ll have extra drinks to drink once they’ve melted!
- Pick up a cheap 7-day pill container for spices. Where you would normally have “each day” labeled you can substitute it for the title of the spice you are bringing. It saves on space and keeps things neat and orderly.
- Bring a metal hanger to hang your grilling tongs on. The tongs get messy and no one needs a huge mess to clean up! This way you can simultaneously have your tongs out of the way but also within easy reach.
- Use old soup cans as a silverware caddy! You can bring a couple cans and store unused disposable silverware in one can and dirty silverware in another. This will save on trying to collect trash later on. And if you’re feeling adventurous paint them the team color you’re rooting for!
- Attach a balloon or two to your car so that your friends can distinguish you from the other tailgaters! Let them know ahead of time what color balloons to be on the lookout for!
- Don’t be a procrastinator! I know it is tempting to think you can just throw everything in bags and a cooler and be off to the party, but it is better to be safe than sorry! Make sure you cut up all the burger toppings the night before, organize the condiments, and also marinate any meats you need to marinate so that they are grill ready the next day! Make a detailed list so you don’t end up forgetting to bring anything.
- Line your charcoal grill with foil for an easy clean-up. Plus, you won’t have to wait for the coals to cool off in order to dispose of them! You don’t want to miss that kick-off!
- Finally, LABEL, LABEL, LABEL! How annoying is it to open a cooler only to find hamburger toppings when you just wanted a cold beverage? Make sure you have labeled each cooler for not only you, but your guests. It will save you time and frustration.
Planning may not be fun for you, but being prepared is much less stressful than showing up having forgotten to bring certain items! Do the hard work beforehand and you can enjoy the fruits of your labor the day of.
Do you have any other tips you would recommend in order plan a successful tailgating party?