One Bite at a Time

"I wish I’d known, as a small child, the value of time," says Dawn Wilson. "From the very beginning of our days, we have countless daily opportunities to use time efficiently … or waste it, sometimes with incalculable loss. Most of us could use a Time UPGRADE."

The philosopher and American colonist William Penn said, “Time is what we want most, but what we use worst.”

Some people are time management experts, but others are “experts” in the haphazard use of time! And even if time is not thrown away, it might not be used wisely or well.

Former UCLA Coach John Wooden explained the value of time and excellence when he said, “If you don’t have time to do it right, when will you have time to do it over?”

I’ve been focusing lately on “recapturing” time that I often let slip through my fingers by redeeming snippets of time for simple tasks, even for things I’ve put off. Sometimes we procrastinate tackling big projects, not realizing how they might be accomplished with bite-size tasks.

The timer has become my new friend.

I set my timer for 10 minutes and tackle timed tasks (lots of “Ts” there!). Some days, I tackle lots of these tasks. In fact, I set aside a chunk of time on Tuesdays to accomplish lots of things—my Tuesday Timer Tasks.

What can you do in 10 minutes?

• Make an appointment on the phone.
• Write a thank you note… or encouragement note.
• Water your garden (unless it’s huge).
• Sew on a button.
• Make a grocery or shopping list.
• Brush your dog’s fur.
• Vacuum under the beds.
• Fold a basket of laundry.
• Clean the bathtub.
• Read a “Golden Book” to a child.

What helps is to make a Tuesday Timer Task list! Think of all the things you can do in 10 minutes and list them – maybe in categories (cleaning, correspondence, personal care, pets, yard/garden, etc.)

The Bible talks about redeeming time (buying up each opportunity), “because the days are evil” (Ephesians 5:16). Verse 15 talks about living in a purposeful, wise way.

The “days are evil” part should remind us to watch our step and use our head because these are desperate times. Some things just aren’t as important or as valuable now as they used to be, in light of all we have to deal with in our culture.

It goes back to priorities, doesn’t it? What is important?

For the Christian, our priorities are: (1) God and our relationship with Him; (2) Family needs and responsibilities; (3) Career and ministry (Kingdom work) – especially in (4) outreach to others, telling them about Jesus.

Try thinking about all the “tasks” in your day and see how they fit in with your God-given priorities. Let some things go that don’t fit in, but plan more time for things that are truly important.

God things. Family things. Ministry things. Eternal things!

What are some Tuesday Timer Tasks you could list?

Dawn Wilson, founder and President of Heart Choices Ministries, is the creator of three blogs: Heart Choices Today, LOL with God (with Pam Farrel), and Upgrade with Dawn. She is the President of the San Diego chapter of Network of Evangelical Women in MInistry (NEWIM San Diego). Dawn is the co-author of LOL with God and contributed "The Blessing Basket" in It's a God Thing. She and her husband Bob have two grown, married sons, three granddaughters and a rascally maltipoo, Roscoe.

Get Back on Track after Holiday Spending

In this special, much-needed Financial UPGRADE, Ellie Kay—"America’s Family Financial Expert" ®—will help us become better stewards of our resources, helping us get back on track in the New Year.

"The worst decision you can make in regards to your finances," Ellie says, "is to have no plan for financial recovery."

Financial stewardship and use of resources is taught throughout the Bible, encouraging wisdom (Proverbs 21:20), proportionate, unselfish, cheerful giving (Deuteronomy 16:17; Luke 6:38; 2 Corinthians 9:7) and right priorities—putting God and His work first (Malachi 3:10).

Whether we've been careful in our spending or we've "blown it" financially over the holidays, I (Dawn) think Ellie has some wise principles to help us move forward into greater financial freedom.

She continues . . .

Sometimes, a decision that starts as a New Year’s Resolution can end in a dream come true when you let those resolutions become a new way of life.

Our family did this to get out of debt and pay cash for our cars. We wanted to be better stewards of the resources that God gave us and we decided to give our finances an upgrade by doing things wisely.

Here are some common resolutions that can get you back on track in the New Year, even as they did for our own family.

Resolution #1: Pay off Consumer Debt

An excessive amount of consumer debt usually means a lower credit score (FICO), which means higher annual percentage rates (APRs) on existing credit cards. By improving your FICO, you can lower the APRs, thus paying off that debt in a fraction of the time.

It’s not hard to improve your FICO by following three easy steps:

Step 1 - Pay on Time 

Not only does a late payment mean high late fees, but part of your score is determined by payment history. Set up automatic payments online with each card to make sure you’re never late again.

Step 2 - Pay in Proportionally 

Utilization, which is the ratio of debt to available credit is important. For example, if your card has a limit of $5,000 and you have $2,500 charged, your ratio is 50%.  Adjust the balances on your cards to make sure each has no more than a 50% ratio.

Step 3 - Pay it Down!

Pay as little as $5 to $10 more than your minimum credit card payment.  It shows up on paper as the consumer trying to “pay down” the debt. 

You can also get out of holiday debt sooner if you reduce spending and repurpose those funds.

As soon as you save in one area, immediately channel the money you saved toward your debt load. If you don’t take that saved money and put it toward a credit card or other debt, then it will just get reabsorbed into your spending.

Resolution #2: Pay Cash for Your Cars

The least expensive car you can own is the paid-for car that you currently drive.

By going to my tool section at EllieKay.com and clicking onto the “Automobile Affordibility Calculator” you can see how much to save each month in order to afford to pay cash for a newer car. It is a lot easier than you think.

Once you’ve paid off your current car, don’t trade it in, but keep making payments to yourself in the amount of the former loan. So let’s say you put $350 per month into a car fund and invest it in a fund that makes 5% annually. You would have around $4400 at the end of the year, plus the value of your existing car (let’s estimate $5,000) to put almost $10,000 down on a newer car than you now own.

If you keep saving and keep trading up, then you’ll be able to pay cash for your cars for the rest of your life!

In the first fifteen years of our marriage, on one (military man’s) income, we bought 11 cars this way, paying cash and even donated some of those used cars to charity! When you do things God’s way, He often provides ways for you to be a blessing to others.

What will you do to get on track after Holiday spending?

Ellie Kay is a regular expert on national television with ABC NEWS NOW’s Money Matters and Good Money shows. Ellie is also a national radio commentator, a frequent media guest on Fox News, and CNBC, a popular international speaker, and the best-selling author of fourteen books including her  newest release, The Little Book of Big Savings (Waterbrook, 2009).

Graphic adapted, Image courtesy of Stuart Miles at FreeDigitalPhotos.net.

Resolutions, Goals and a Bucket List

Ready for the New Year? I always appreciate those who help us forget those things that are behind and push forward to greater things. Marcia Ramsland is one of those people, and I asked her to share this special New Year's UPGRADE.

"January 1 is the day to write a resolution or two," Marcia says. "If you’re not living the life you love or at least enjoying each day, then perhaps it’s because you don’t know what you want, you know what it is but haven’t worked to get it, or you’ve let life get in your way."

Last year, I [Dawn] picked a special word that motivated me all year long, but I have to admit, my office fell apart last year. Picking one motivating word has nothing to do with organizing your life (unless, perhaps, the word is "organization!") So I'm looking for tips from people like Marcia to help me get back on track!

Marcia continues . . .

Here are three ways to change that while you are poised at the beginning of the new year. Pick One Style for a New Year, New You!

1. A Resolution

A New Year's resolution is a January 1 personal commitment for the coming year to change a habit or lifestyle for the better, such as the two most popular ones, to lose weight and get organized!

2. A Goal

A goal is a dream with a plan attached, and is best achieved if there is a positive emotional response to its success, such as moving to a warm climate, redecorating at home, or doubling your income. Jot them on your new monthly calendar.

3. A Bucket List

A Bucket List is a wish list of things you’d like to do in your lifetime that captures your imagination–such as climbing Mt. Everest, running a marathon or writing a book. Fill your bucket list with 5-10 things you’ve only dreamed about.

What would it take for a “New Year, New You” lifestyle makeover?

Here is a list of 15 ideas to stimulate your thinking. Write your own list of eight to ten goals you would like to have or do in the coming new year. Think big!

• Prioritize my life and say “no” with confidence.
• Find a regular exercise program I like.
• Eat healthier every meal.
• Get to bed by 10:30 p.m.
• Reorganize and upgrade my office.
• Create a budget and save for my dream car.
• Plan one enjoyable activity per 52 weekends.
• Trade childcare for more personal time.
• Get together monthly with a good friend.
• Become team manager for your son’s sports team.
• Go on my bucket list dream vacation.
• Call parents/grandparents once a week.
• Send out birthday cards (or birthday emails) on time.
• Join a new business group.
• Wrap up leadership responsibility in current organization.
• Complete a degree over the next three years.

I know this setting goals works for two reasons:

1) Proverbs 13:4 says, “The sluggard (sluggish) craves and gets nothing, but the desires of the diligent are fully satisfied.”

Practically, that means if we steadily work toward a goal, we will get there. Also, if we just set the goal, we won’t get there.

2) I coach women via Face Time, email, and photos to achieve anything from writing a book, or organizing their paperwork, closet, garage or office–in 30 days or less! Things they never thought they could do!

When they know I do three-month, six-month, and one-year checkups, they achieve their new, organized lifestyle–and maintain it. It works and you can see the “Before and After” photos yourself here. 

What works best for you: resolutions, goals, a bucket list or something else? What motivates you?

NOTE: This post is an adapted excerpt from Marcia's book, Simplify Your Holiday Season.

Marcia Ramsland is well known as the "Organizing Pro,” a national speaker, and author of over 100,000 books sold in her Simplify Your Life series. Marcia personally coaches individuals and organizations to be highly productive in managing their time, space, and life. Hundreds of clients and audiences from New York to California agree with her belief that anyone can become more organized - even YOU! Contact her at http://www.OrganizingPro.com.

New Year Graphic adapted, Image courtesy of noppasinw at FreeDigitalPhotos.net.

Upgrade Your "DREAM" Goals

As I was thinking about the New Year, Kathy Carlton Willis inspired me with her “DREAM” acrostic. I want to share it with our Upgrade readers.

“Everyone has dreams God has planted in them,” Kathy said. “Whether they are big or small, they have vast importance in our lives. But to turn dreams into goals, we have to wake up the procrastinator.”

Kathy had me there! I am a part-time procrastinator. The apostle Paul spoke about goals (Philippians 3:13b-14) and the writer of Proverbs wrote about planning (Proverbs 21:5a), so I know God wants us to have goals.

Yet I had two goals that I was putting off planning for (procrastinating) until … when? It just seemed too overwhelming. But I’m glad I didn’t stop reading there.

Kathy continues …  

With just a little bit of planning, you can accomplish the goals God has for your life.

Set a realistic but challenging/inspiring goal. Make the goal big enough to challenge and excite you. Divide bigger goals into smaller steps so you aren’t overwhelmed.

Plan ahead. Once you’ve broken down your goal into pieces, keep a record of it on your computer or in a journal. Give yourself deadlines for each step. Otherwise, procrastination might get the best of you.

Brainstorm ideas. Wade through some silly ideas to mine the good nuggets.

Be passionate. Striving toward a goal without passion is like a fire which slowly runs out of fuel to burn. Get excited; this will only work if you love what you’re doing.

Revisit and evaluate your goals. Keep a record of your goals and make adjustments accordingly.

Consider new opportunities and options that come your way.

Ask God to show you what goals to set, and then get specific by asking Him to show you what you can do today to get one step, however small, closer to achieving your goals. Stay focused and believe in yourself even if others do not believe in you.

Set Your DREAM Goals:

D - Does it make a DIFFERENCE in your community? (Impact and Significance)

R - Can you REACH it? (Attainable and Realistic)

E - Does it ENERGIZE you? (Passion and Giftedness)

A - Can you ANALYZE it? (Track Results)

M - Does it fit your MISSION? (Purpose and Calling)

What are your DREAM Goals for this New Year? Which of Kathy’s tips might help you achieve them?

Kathy Carlton Willis shines for God, reflecting His light as a speaker at writer's conferences and women's retreats, and as an author - contributing to three books and writing hundreds of columns and articles online and in print publications. Her article today is an excerpt from Speaker to Speaker: The Essential Speaker’s Companion (Oaktara Publishing, to be released later in 2014). Kathy is also a publicist with Kathy Carlton Willis Communications. She and her husband/pastor,  Russ, live in Texas.

Image in Text: Courtesy of Grant Cochrane at FreeDigitalPhotos.net.