You can never talk too much

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Good morning loves. I hope you all had a fun St. Patrick’s Day.  Today we are discussing the importance to talk about your personal victories and struggles, no matter how exciting or unpleasant they may be. When you talk about your accomplishments some people may think that you are bragging and when you tell people about your struggles they may feel that you are being negative. But isn’t that what friends and family are for – to discuss our lives?

The reason I started My Diary Entry was as a form of personal therapy to deal with the loss of my best friend, the breakdown of my family and to work through my personal issues including financial instability.

Always keep talking about yourself

I received this email from a reader and I just felt the need to share.  Discussing our stories can be a way to work through our personal issues but they can also act as an inspiration to support others who may be going through the same struggles.  When life tests our faith, we all deal with the anger, sadness, happiness and regret in different ways.  Some people workout, some people eat and some people (like me) write. It doesn’t matter how you do it – the important thing is that we deal with our emotions and find a healthy outlet to express them.

My Diary Entry is all about sharing our personal stories to motivate, inspire and be supportive of others who are going through the same things.  My heart goes out to this reader (who we will call Elle) because she has experienced some of the same unfortunate events that I have. She has lost her best friend and in an effort to find personal happiness Elle started spending money uncontrollably and ended up thousands of dollars in debt as a result.

Share your story to inspire and help others

I hope that Elle’s story inspires you to work through your personal issues in a healthy way and find a better you.  Don’t forget to talk about your good days and your bad days because at the end of the day that’s what life is all about.

Hi Kristina,

After reading about (your friend who passed away) Kevin I just had to reach out to you because I instantly felt not as lonely.  In 2008 I lost my very best friend ever and not many people understand, especially since it happened at a young age. Also, the whole debt thing really caught my eye as well and the fact that you have a life list (is inspiring).  I too began spending money like crazy in the years after (my friend) passed away. In fact, I racked up a lot of credit card debt because buying clothes and new stuff made me feel so good about myself.

Photo by smartmom  


Look Like a Lady. Sweat Like a Boss.

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Ellie Gym
Good Morning Loves.  It’s Monday morning and it’s time for a personal confession, I know it’s early but bear with me for a moment because we have a little something-something for you too.

I want to workout, I actually want to spend my day’s only working out, losing weight and getting fit but sometimes (actually most of the time) I lack the motivation to get off my butt and get moving.  I definitely feel better after I workout but getting started can be difficult.

Ellie RunSo how do I keep motivated?

I honestly believe that cute workout outfits are the foundation of every good workout because when you look good you feel good and when you feel good you will be happy and when you are happy you will have the motivation to get moving.  Right?

We usually think that we have to be in old sweats when we workout and we always assume that we are going to look sweaty and gross while doing it, but that is just not true.  No one says that we have to be ugly while working out, after all a little sweat never hurt nobody.  My secret to keeping motivated is to always look good and have fun when I workout.

Where can you find cute workout outfits for cheap?

I know that workout outfits can be very expensive and I for one can’t afford to spend hundreds of dollars on workout clothes.  I am always looking for creative – aka cost efficient ways to workout.  I recently discovered the world of Ellie and my workout wardrobe has never been the same.

The ladies at Ellie are all about looking good. They want to help keep you motivated to keep working out. How do they do this? With cute workout outfits of course! Ellie offers complete quality workout outfits for discount prices.  You can get a complete workout outfit – that’s a top and a bottom – for only $49.95 and shipping is included.

- Ellie is offering all My Diary Entry readers 20% off their first workout outfit -

Ellie YogaI have 2 complete workout outfits from Ellie which include grey leggings, black capri’s and two tank tops and I totally love them. They absorb my sweat to keep me looking cute, they are flexible so I can stretch comfortably during yoga and they are trendy so that I look good when I workout in the park.  Visit their website, chose your outfit and get 20% off…it’s that easy.

So now that your new workout outfit is in the mail and on its way to you (because I assume you went to the Ellie website and ordered a cute workout outfit) let me tell you why I love working out.

3 reasons why I love working out:

1. It keeps you warm. We all know that working out regularly can help our health but there are other benefits too. This winter was especially cold and my motivation for working out this winter was to keep warm.

2. It helps you sleep. I like to workout after dinner because then I can take a warm shower and go to bed.  Burning off all my extra energy has really helped me sleep deeper and longer every night.

3. It’s really good for your skin.  I don’t think sweat is gross, I love sweating because it clears out my pores and gives my skin a J.Lo-esque glow. It takes a bit to get me going but once I start working out I’m like bring on the sweat!

Why do you love working out?

Love Always,

Photos by Ellie.com

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It’s OK to never be That Girl

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Dear Diary,

With the red carpet season in full swing it seems like everywhere we turn we are looking at beautiful celebrities and admiring their glamorous lifestyles.  I don’t know about you but I like following celebrity trends, reading about their healthy eating habits and watching the latest celebrity workout routines. My two favourite magazines are SELF and Glamour.

I can’t afford to live a luxurious celebrity lifestyle, but watching the red carpet before events gives me motivation to become a better me.  I realized that healthy living is a personal adaption – what works for Jennifer Aniston may not necessarily work for me, I probably can’t follow Heidi Klum’s daily workout routine and I have to admit that Emma Stone will probably always have nicer skin than I do.  But you know what – none of that matters.

All that matters is every day I wake up and I try to be the best person (on both the inside and out) that I can be.  This includes working out on a regular basis (even if it’s only stretching), drinking lots of water to control my appetite (it also keeps my skin hydrated) and trying to hide my bad hair days with a cute ponytail (oh yes ponytails are not just for the gym).

What are you doing to find personal happiness?

Feeling good about yourself means that you look good on the outside and you feel satisfied on the inside.  We don’t have to be the best, but we can all be better; that means finding what makes you happy.  Personal happiness is about being satisfied with the person you are and working towards being the person that you want to become, it’s not about envy and it’s not about trying to be someone else.

Congratulations if you are on the path to your own happiness. If you are still searching for personal happiness remember that all you have to do is take the first little step and the good times will follow; in the meantime…

It’s OK to never be the girl who…

- Wakes up early in the morning just to workout

- Eats only a salad for dinner

- Puts on makeup to get the mail

- Is totally comfortable in high heels

- Stays in her pyjamas until dinner

Which girl are you, or should I say aren’t you? Tell me on Twitter.

Love Always,

Photo by paulkeller

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Today I am going to feel better about myself

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(Cheers to feeling better about ourselves!)

Good Morning! I hope you all had a relaxing weekend, I sure did.  It was very cold here in Montreal this weekend so I stayed inside and watched movies for two days.  It was quite lovely.  One of my New Year’s resolutions is to start liking the way I look and to start thinking about myself in a positive manner.

Losing weight from diet and exercise takes some time (but I will eventually get there) and not liking yourself is not motivating. So I have found some tricks to start liking myself while I am on the path to loving myself.

Use these tips to start feeling skinnier and better about yourself today:

Stand up straight.  Looking at the ground and slouching your shoulders is extremely bad for your posture and on top of that it makes you look fat. When you slouch forward your stomach also slouches, so stand up straight and keep your belly and your back flat.

Drink lots of water. On top of the health benefits (such as hydrated glowing skin and flushing out the toxins in your body) that come with drinking lots of water everyday it also helps you lose weight and feel good.  Keeping your belly full of water will make you eat less because it tricks your body into thinking that you are full.  I am definitely not saying to skip meals and only drink water, but keeping our bodies hydrated throughout the day is a great way to curve our appetite.

Stretch every single day.  When we move around we always feel better, or at least I do.  But unfortunately I don’t have the time or the motivation to workout every single day.  Actually in all honestly my personal goal is to workout 3 times a week and every other week workout 4 times a week.  Like many people I don’t have time to workout every day, however I do have 10 minutes to dedicate to stretching.  After I put on my pyjamas and before I hop into bed I take 10 minutes to stretch out my entire body from head to toe.  It’s relaxing and it makes me feel great.  Stretching doesn’t burn a lot of calories but it makes me feel better and that’s what 2013 is all about.

Always look cute.  When we feel bad about ourselves it’s easy to want to stay in our oversized sweatpants so that we don’t see our true body form. But this is not helping your motivation. When we look good we feel good so for your personal happiness start looking good. No matter what you do make sure your hair is cute and your outfit is matchy-matchy, even if you are just going to get your mail make sure that you look cute and feel good about yourself.

Keep mints on you at all times. This is a simple mental trick; if your breath always feels fresh like you just brushed your teeth you will not want to put food into it.  It’s as simple as that! Just think about it for a minute…how many times have you said no thank you to a bite of food because you just brushed your teeth or because you just popped a piece of gum into your mouth? The answer is probably every single time, so keep mints (or minty gum) on you at all times.

If you want to find other great tips on how to feel better about yourself and finding personal happiness in your life, your career, with your money and with your health be sure to grab a copy of my new book “A Better You: We don’t have to be the best but we can all be better.”  It is now available on Amazon Kindle.

Love Always.

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My Letter to Anderson Cooper

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Anderson Cooper visited Wolfson Children's Hos...

I personally love Anderson Cooper and I noticed on his website that he is looking for guests on his day time talk show to share their frugal tips; as a personal finance blogger and a girl who went from almost being bankrupt to building wealth I feel as if I am the perfect guest. It’s also the perfect opportunity to promote my new book “A Better You”.  I want people to know that they can make changes in their personal financial situation, no one has to be unhappy if they don’t want to be.

This is my letter to Anderson Cooper, if you were him would you have me on the show?

Dear Anderson Cooper, (as if he personally reads the letters)

I am a personal finance blogger and a certified financial planner who went from almost being bankrupt to building wealth within 3 years.  As a young professional I used to earn a six figure income and I lived a carefree life where I spent money recklessly.  It was actually kind of ironic because as a certified financial planner every day I would advise people how to save and invest their money but I couldn’t take my own advice.

I was in my 20s and I was tens of thousands of dollars in debt.  I was only making the minimum payments on my debts because the debt didn’t bother me.  I complained about having debt but I enjoyed spending money so I used my six figure income to make the minimum payments on my debts and I spent the rest of my paycheck on vacations, eating out in restaurants and materialistic good like a new car, a new television and lots and lots of clothes. Then the market crashed.

I lost my job in personal finance and I had no way to pay my bills, needless to say my extravagant lifestyle drastically changed overnight.  I felt defeated, like I had failed at life. I spend 4 years in university and 2 years earning my financial planning degree only to have my entire world shattered in less than 24 hours.  My entire professional life was about personal finance and I had no backup plan.

I eventually picked myself up off my bathroom floor and I started to look at my new situation as an opportunity to start over as oppose to a personal crisis. I had a second chance at life and trust me I did it differently the second time around.  I got another job and then I got a second job to help pay off my debts.  I contacted my credit card companies to negotiate my interest rates and I made a debt repayment plan with a target get out of debt date.  I believe that we all make choices in life and my choice was to get my life in order.  I didn’t have a lot of extra money to spend each week on myself but that was the choice I made – I chose to pay off my debts instead of go on vacation.  As I evaluated my new life I realized that I could do (or not do) anything, I had a fresh start.  I realized that I didn’t want to go back into personal finance so I went back to school to study journalism; now I have a career that I love.

I hit rock bottom after the market crash, my personal life and my financial life were out of control and I made a promise to myself that I would never let that happen again. I now live on a budget and before I make a purchase I always weigh the cost vs. the benefit.  I realized that I don’t need “stuff” to make me happy, now I live only on the necessities.  My personal motto is that if it doesn’t keep me warm, get me clean or keep my belly full then I don’t need it.  I definitely live without a lot of materialistic goods but ironically I never feel like I am missing anything.

I recently wrote a book called A Better You: We don’t have to be the best but we can always be better. It discusses my personal story of how I made changes in my life, my money, my career and my relationship to become a happier person.  I used to complain about being in debt until I finally realized that the only way to stop complaining about being in debt was to get out of debt. So that’s what I am doing.

As I look back over the past few years I don’t regret anything that has happened to me; if I wasn’t financially irresponsible and if I didn’t lose my job I wouldn’t be able to write about it now and I wouldn’t be able to share my story to inspire others to make positive changes in their lives.

I would love to share my experience on your show and I hope to hear from you soon.

Love Always.

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The Blogger Book Giveaway

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Good Morning.  If you follow me on Twitter  and Facebook then you may know that my first book titled “A Better You” is going to be finished in a mere 62 days (check out the countdown on the right).  I am very excited about writing my first book and I would love it if you could spread the word to your family and friends.

My first book “A Better You” is all about making positive changes in our lives towards finding personal happiness.  It is what I like to call a blog book; “A Better You” is an inspiring book about love, life, career, family, health and money that is written as a compilation of blog posts.

The book “A Better You” features personal stories and victories about how I decided to stop complaining about everything that I hate in my life and start making changes towards loving my life.  No one likes a negative person and I want to be a person that other people want to be with.  I want to be the happy and friendly girl who everyone wants to talk to.

This is a book that I feel everyone can relate to because we all want to be happy. “A Better You” is about the personal journey towards loving life and learning to love our self. I hope that this book will inspire people to make changes in their lives by finding a personal goal and making a plan to achieve it. We don’t have to be the best, but we can be better.

In honour of my first book “A Better You” being finished (and hopefully published) very soon I am giving away 3 books that were written by my fellow bloggers, these ladies are truly an inspiration. All of these books were published by Zondervan, I met a representative from Zondervan at BlogHer in NYC and she truly inspired me to finish my book.

Click the link below to enter for your chance to win all 3 books:

The Guest Book: A NovelThe Guest Book by Marybeth Whalen is an emotional story about mending a broken heart and finding a new true love after many years of sadness from a broken family.  This is a story for hopeful romantics and for everyone who has made a wish or sent a prayer to find true love. You can read more about Marybeth Whalen on her personal blog at www.marybethwhalen.com.

Perfectly Unique: Praising God from Head to FootPerfectly Unique by Annie F. Downs is an uplifting story about finding your place in the world, believing in yourself and growing up believing in a higher power. If you have ever wondered why you look the way you do or why you have the body that you do then this book is for you. The answer is because that is how you are and you should love yourself no matter how you look. You can visit Annie F. Downs on her personal blog www.annieblogs.com.

Cold TangerinesCold Tangerines by Shauna Niequist is a motivating story that will make you want to wake up in the morning with a smile on your face.  If you don’t want your life to be a boring routine then break your regular habits and try something new.  Get out of your comfort zone and have a little bit of fun; just take a day off from being you.  You can learn more about Shauna Niequist on her personal blog at www.shaunaniequist.com.

This giveaway is open to all Canadian and U.S. residents.

Good Luck to everyone who enters, the winner will be announced on Monday November 19.

This giveaway is listed on Sweepstakes

 

Love Always,

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A Second Chance at Financial Freedom

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Good morning everyone. Today’s post is the next topic in my “A Second Chance” series.  This series is all about improving certain aspects of your life and righting any wrongs; A Second Chance is a do-over for some aspect in your life that you want to correct or change.  Personal Finance is also one of the topics discussed in my upcoming book “A Better You” which is expected to be finished later this year. We don’t have to be the best, but we can be better. So keep reading and find out how to find financial freedom.

Almost everyone has experienced financial difficulties at some point in their life.  Whether you are a struggling student who lives on a budget, a single parent who is trying to do the best for your kids, or you are a young professional who is struggling to pay off your debts; the truth is that almost everyone can improve some aspect of their financial lives. Maybe you want to save more money each month, maybe you want to pay off your debts as quick as possible, or maybe you want to increase your monthly income.  Improving your financial situation doesn’t take much, but it does take dedication.

4 Easy Steps for Financial Freedom

1. Recognize the problem.  As with any personal problem the first step towards improving your financial situation is to recognize that there is a problem. If you are having difficulties making your monthly debt payments you have to realize that you can no longer afford your current lifestyle and pay off your debts at the same time. Making cuts in your monthly spending, allocating a larger percentage of your income towards debt repayment, or finding ways to increase your monthly income will all help you pay down your debts sooner and achieve financial freedom.

2. Find out how you got there.  Maybe you are in debt because you live beyond your means on a monthly basis, maybe you are in debt because you are a compulsive spender, or maybe you are in debt because you loaned a family member (or friend) money and they have yet to pay it back. Before you can achieve financial freedom you have to make the conscious decision to learn from your mistakes so that you don’t repeat them in the future.

3. Make an action plan. If your financial goal is to save more money each month you will have to make an action plan to achieve your financial goal which includes setting a target date, making a personal budget to determine how much money you can afford to save each month, as well as possibly determining where you can make cuts in your monthly spending so that you can save more money each month. Having an action plan with a defined goal and the necessary steps to take towards achieving the goal will make our dream a reality and our goal attainable.

4. Check in on your action plan regularly. There is really no point in making an action plan if you don’t check in on your plan regularly to make sure that you are staying on track towards achieving your goal. It is a good idea to break down your ultimate goal into smaller goals because as you achieve your short term goals you will be motivated to continue working towards your ultimate goal. It’s also a good idea to check in on your action plan on a biweekly or monthly basis to make sure that you are still on the right track towards changing your financial habits and achieving financial freedom.

What is your secret for financial freedom? Tell me on Twitter @TKBlogs.

Love Always,

This post was originally published on Credit Karma

Photo by borman

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Bethenny_Frankel_in_Isabella_Oliver

I am Totally Inspired by Bethenny Frankel

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Happy Canadian Thanksgiving Everyone and Happy Birthday to me…tomorrow.  I recently read a post on BlogHer  about how the career of Capella University graduate Rachael Hartman inspired a blogger to work towards her dreams.  This post was so motivating that it inspired me to tell my own story of how Bethenny Frankel and her career have inspired my own career aspirations.

If you are like me then you have been inspired by Bethenny Frankel from her career as a celebrity apprentice with Martha Stewart to the launch of her Skinnygirl cocktail line and multi published best-selling novels.

Inspired by Bethenny to Make Positive Changes

Bethenny Frankel turned her life around from being broke to being a millionaire, she went from being unemployed to building her own Skinnygirl empire. Bethenny Frankel is her own self made success story and that is truly inspiring. Bethenny went from being in her 30s and not being able to pay her rent to having it all including money, love, family, and a successful career.

What was Bethenny Frankel’s motivation to make change? She woke up one day and decided that she didn’t want to be broke anymore. She decided that she wanted to stop complaining about everything that was wrong in her life and she actually wanted to start doing something about it. Bethenny and I have this in common.

I am working towards my personal happiness as I learn to love life and try to love myself by making positive changes in every aspect of my life from my career to my relationship.

Bethenny Frankel Inspired Me To Be Better

I work in personal finance and after the market crash in 2008 I found myself without any income.  If any of you have ever struggled through financial difficulties then you know that it can cause an enormous amount of stress in other parts of your life such as your relationship. Being broke and not being able to pay the bills definitely took its toll on my relationship and I wasn’t sure that my relationship would survive.  I am happy to say that my boyfriend and I are still together, but I am not sure that our relationship will ever fully recover from the things that were said and done during our financial difficulties.

Bethenny Frankel achieved her dreams later in life, this is inspiring because people need to know that it’s ok not to choose the path that was chosen for them, I know that I didn’t.  My parents would have loved nothing more than to have me attend university in my hometown, get married, have two kids, and buy a home in London, Ontario.  However I had other plans.  After I graduated from high school I packed up my stereo and my bicycle and I moved 800 kilometers away to Montreal, Quebec; I have been here ever since. Bethenny Frankel chose her own path in life and so did I.  Bethenny lives on the motto that it’s ok to be yourself and to be different than what you are supposed to be; I totally love that about her.

Bethenny Frankel is my inspiration to write my first book which should be finished by December 31.  The book is titled “A Better You: We don’t have to be the best, but we can all be better”

Who inspires you?

Love Always,

Photo by Chapters Indigo

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Never Settle for Anything Less than Your Dream

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Good Morning. This is a guest post that I wrote for Hatchedit.com .  I had the pleasure of meeting the founders of Hatchedit at the BlogHer conference in NYC last month; Hatchedit is a great website to help keep you and your family organized.  If you are looking for a great way to plan your life, check out Hatchedit.  Enjoy!

I am just a banker who wants to be a writer. I am 31 years old and I am in the middle of making a career change.  After living through a difficult couple of years I finally decided to stop talking about everything that I want to do in life and I actually started to make some changes in my life.

I know that making changes in our lives is a lot easier said than done, but I don’t want to live with regrets; I don’t want to wake up in 10 years and wish that I made different choices in life. It is definitely a scary decision to leave a stable job in the corporate world and take a chance to try a new career as an entrepreneur, but every single day people do it.

If you are thinking about leaving your stable job to follow your dreams and become an entrepreneur here are some tips to help you achieve your goals.

- Do Some Research.  It is a big decision to make changes in your life and start working towards achieving your dreams, so you should be sure that it’s really what you want to do. Before you hand in your two weeks’ notice at your current job it’s a good idea to research as much information as you can about your new entrepreneurial endeavor. Good facts to know are the potential start up costs, the sustainability of your product in the market, and the earning potential of your future entrepreneurship.

- Make a Plan.  Achieving your dream of becoming an entrepreneur may be your ultimate goal, but it will be easier to achieve your dreams if you have smaller goals that you can achieve over the short term. Tracking your progress and achieving goals in the short term will help keep you motivated.

- Get Organized.  This is when great sites like Hatchedit come into play, they help you get organized and help you start achieving your dreams.  Once you have decided which changes you want to make in your life and once you have determined the path you are going to take to achieve your dreams, you can start tracking your progress step by step with Hatchedit.  Enter target dates into your calendar, save helpful resources, make a to do list, and get your other family members organized with Hatchedit.

- It’s Time to Take Action. Once you know what you want to do and how to want to do it, it’s time to stop talking about it and start doing something about it.

What is your dream?

If you have any comments or questions about achieving your dreams or becoming an entrepreneur please feel free to connect with Tahnya Kristina anytime on Twitter @TKBlogs

Love Always,

Photo by spykster

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15 Time Management Tips to Get It Done!

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Good Morning Everyone. Last Tuesday I shared a post with my top time management tips and the response by My Diary Entry readers has been both amazing and encouraging.  I am not going to lie, sometimes I get so discouraged by everything that I have to do in one day because I just don’t feel like there are enough hours in one day to get everything done.  However, I am trying to do my best.  I can’t be too discouraged because a lot of my workload is self inflicted, sometimes I take on too many tasks.  I am trying to finish my first book while still trying to produce great content for my freelance employers and still be a somewhat productive employee at my 9 to 5 job.

The response on Twitter and Facebook by My Diary Entry readers has been wonderful. It’s comforting to know that other young professionals who have aspirations to get more out of life are experiencing the same struggles.  It’s comforting to know that I am not crazy and that being extremely busy is just a part of working towards my personal goals.

One of the readers who reached out to me is Jones Loflin.  Jones Loflin is a speaker, trainer and author who helps others get the right things done at work and in life.  You can follow him on Twitter @jonesloflin.

Here are 15 Proven Time Management Strategies from Jones Loflin

1. Identify The Pain (i.e. the source of the problem).

2. Change Your Daily Routine.

3. Live In A State of Perpetual Prioritization.

4. Develop Periods of Focused Intensity.

5. Single Task When Possible.

6. Get The Tasks and Stress Off Your Mind.

7. Make Quick Decisions About How to Best Use A Short Period Of Time.

8. Use The Four D’s to Handle Any Incoming Possibility (delete, delegate, delay, and do).

9. Map It Out in Your Mind.

10. Be Clear About What Constitutes “Done”.

11. Minimize Procrastination.

12. Survive the E-Mail Tsunami (i.e. Manage Your Emails).

13. Stop With the “Victim Mentality”.

14. Insulate Your Schedule (i.e. Give Yourself Some Extra Time).

15. Plan For All 3 Areas of Your Life (Work, Relationships, Yourself).

Love Always.

Photo by kim carpenter

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