Tag Archives: lifestyle

February, or the month of GSD

So January is almost over, and PROGRESS-WISE, that leaves me barely a stone’s throw away from where I started since 2012 ended.

I figure since February is such a short month (28 days!) that it’s time I mentally, physically, and metaphorically get shit done. Hence, Feb 2103 = Get Shit Done Month (GSD for short or if you don’t like swearing).

I’ve been lurking over at jessicamullen’s blog for a while to generally inspire myself and to think more positively about stuff. I’ve been trying to inject pieces of positiveness into the universe, take risks, and do things that terrify me, like participating in my classes. Just recently I took the plunge and gave myself a raise, technically speaking, on Fiverr: instead of getting 500 words for $5, I’m charging $5 for 250 words. And people are still ordering from me! My fears have been abated. I deserve more. I write good (er..well). People like my work. I’ve been committing to going to classes like it’s my job. I like learning when I’m there. I like my teachers. I like feeling productive, instead when I skip I feel useless and generally crappy.

the only thing that I’m not working on at all is my weight situation, which is, er, a huge problem. I’m tired of gaining and not losing. I want to be healthy, happy in my own skin. But I’m not acting like I want to be those things. I’m behaving like I want to be unhappy, unhealthy, and uncomfortable. I have to reverse this horrible habit. So this month I’m mostly going to concentrate on going to the on-campus gym (which is right there and, free) after classes at least three days per week for 30 minutes to start. The weather is a tad less wintry and awful, so I’ve been walking to school some days, which takes 15 minutes one direction. I will end up not taking my car completely when it is consistently warmer out.

I’ve been adding healthier things in my diet, but I also eat a lot of nonhealthy things, and just plain unfood. Cookies, chips, and other things I inhale to distract myself from other things just has to stop. It’s time for lettuce. tomatoes. broccoli. Things that make me feel better after eating, not worse. not things that make me sick. figuratively and literally.

I also need to make my DAYS more productive. How do business people act? People who freelance professionally? People who have the lifestyle I want? I need to emulate that. People who create multiple streams of income online do not sleep until 2pm. People who freelance professionally do not stay up until 3am eating cookies (I think).

These people wake up early, at a set time everyday, exercise first thing in the morning, eat a real breakfast, get their work done early and don’t bullshit on the internet half the time, and keep their house clean and orderly. They manage their time well and don’t have to rush for deadlines, well unless they like the rush (don’t all writers? we like punishing ourselves this way, don’t we). They know how to get into FLOW and FOCUS. They take breaks and eat regular, balanced meals. They still have plenty of time for other creative and social activities. They know what to do to avoid getting depressed or feeling hopeless.

This February, I will GSD. Will you take the challenge with me?

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Paying Your Bills on Time — Every Time!

Step One: What’s the Damage?

This is a lot easier with a budget (and if you don’t have one, why not make one now?), but go ahead and compile all of your bills as they come in. You can just stash each bill statement in a folder or in an area on a desk, or written out on a piece of paper, or on your computer. If you have a good idea of what the bill will be each month, you don’t even have to wait until you get your statements to do this step. If you’re splitting with roommates or a significant other, go ahead and write down the calculations for each person (Divide the total amount due by the number of people that are paying the bill equally, eg: 1000/4.)

Step Two: What’s Left?
Now that we know how much you owe each month, divide that by 4 to get how much your bills will cost each week.That’s how much you’ll put away each week to pay your bills. Discouraged? Depending on how much money you make each week, that’s how much you’ll have left over to pay for other variables (such as the debt repayments, excess groceries, gifts, hair cuts, etc.) plus savings. So if you make 200 per week, you’ll only have 40 left over for that. 300, you’ll have 140 left over.

Step Three: It’s Pay (everyone else) day!

Now every payday, immediately take your check or cash (after depositing) and use that money to pay your bills or put aside immediately in preparation to pay your bills. Prewrite your checks or schedule online payments so you don’t forget to pay them – and remember, don’t touch that money! One technique I use is the following:

  • Money set aside for bill payments go in checking account, which is used to pay bills online immediately on payday.
  • Money left over for other uses is kept in cash. Gas and grocery money can also go in an envelope so you know how much money to spend on gas or groceries for the week.
  • Any extra money goes over to my savings account. Try to save at minimum 10% of what you earn for emergencies.
Another Technique
Another method to paying your bills is to go on a purely weekly basis instead.
  • Every payday, check out what bills you have to pay for the week ahead. Let’s imagine you got paid $300 and your electric bill is coming up on Wednesday.
  • Immediately write a check or schedule the payment online to pay that bill.
  • Immediately minus that amount from your checkbook or other method of keeping track of how much money you have in your account, or keep the rest as cash.
  • Next payday, see what bill is coming up and repeat the process.
  • For large payments, such as mortgage or rent bills, you should use the weekly method by dividing the payment by 4 and keeping that amount saved where you won’t be tempted to spend it until the payment is due.
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