Articles - Archives for November 2012

The Key to Successful Budgeting

The number one goal in budgeting is that you spend less than you make. This applies for personal finances. It is not just for businesses. You as a person or a family are an economic unit that needs to operate like a business. To be financially sustainable as an economic entity you must manage your spending so that you spend less than your income every day, every week, every month and every year. This is the key premise to successful budgeting. It is an attitude. You need to learn this attitude. It is the old adage...You need to have someone teach you how to fish not have someone give...

Top 10 Time Wasters

The only thing that we don't have an endless supply of is time. One of my bugbears is the many time wasters that pop into my life on a regular basis. Here is a list of the top ten time wasters and some tips on how to avoid them from the wisdom of Thomas J Leonard and his book Working Wisdom
  1. You allow yourself to be interrupted.

    This may be due to such things as cold calls, unscheduled visitors, or unplanned telephone socialising.
  2. You surround yourself with junk.

    Most people have too much junk in their lives - junk email, junk mail, junk meetings, or junk around them.  Clear out some...