Getting everything done!!!!

Sometimes it just feels like there isn't enough time in the day to do everything you both want and need to do, and unfortunately the things you need to do usually come first. But in order to get everything done you usually need a routine. I've already done a blog about scheduling (the second half of the blog). This blog will be a continuation of that, but also tips and tricks on setting up your routine. 

Routine:

• Cleaning: It takes time to clean your entire apartment. This is why it should be cleaned everyday. Make a habit of cleaning major parts of your apartment everyday. For instance, your toilet on Mondays, your shower on Tuesdays, vacuum on Wednesdays... But every night make sure your counters are wiped clean and dishes are all put away. Create a music playlist of some of your favorite songs to play during this time. Make it long enough to get everything (30 minutes plus), and do work until its done! Find things that need to get done! But, once the play list is over, stop (well, finish your task)! If you continue with something you don't want to do you may get burnt out and not want to do it for awhile= a messy living space :-(. 
• Projects: Do something around your apartment everyday to better it. For instance, if you just moved in over the past few weeks you may not have unpacked everything, such as dvds or shoes (it took me a month to unpack my sandals because I moved in winter), spend a little time everyday doing these things. Sometimes they do cost money, such as doing decorative crafts for your apartment. But if you go to a craft store you can buy things from scratch, spend more time on them, and have less time for a new craft. This could be time you would have usually spent watching tv. You will feel much more accomplished and sleep much better knowing that these things are done, and you'll end up with a great looking apartment! 
• Bills: Get into the habit of putting your bills in a specific spot as soon as you walk in. If you set them on the counter with the rest of your mail, they may end up being thrown away with the rest of your junk mail- not good! So go ahead and put them here. Then pay them by the end of the night. Make a habit of glancing over as you straighten your apartment to look at your bills and then pay any that haven't been paid. It only takes a minute, but it's better than having bad credit! 
• Laundry: Do your laundry on a set pattern, whether it be once a week or once every two weeks. Do it in a set way. For instance, I do it when I go to the gym. I put it in, go work out, come back and move it, shower, and by the point that I'm ready it's about ready. And put it away immediately! 
• Exercise: Exercise is very important, but the excuse that some people use is that they don't have time. It's actually that they don't make time. There are desk exercises you can do while you work, but if you prefer to go to the gym you need to work it into your routine. Do it every time you have a day off, or a shorter work day, if you work shift work like me. Or, if you work a set 9-5 job, work out one or two weekend days, and then one or two more days after work. Maybe keep a few sets of workout clothes in the trunk of your car (but wash them after every use) so that you don't get tired or wrapped up in something else when you stop by your house. Do it every Tuesday, Thursday and Saturday, or every day you have set. Also have a set time. For instance, I go at noon every time, because Desperate Housewives plays at noon on weekdays. 

Scheduling

• Doctor's Appointments: There are those things that you have to schedule, that can't become part of your routine. Things such as doctors appointments. Write down the date that you would like for them to be, and make a note of when you should make the appointment. For instance, if you had your last dentist appointment in mid-January, make a note mid-May to make an appointment for mid-July. Check you work calendar to make sure there aren't any business trips or important meetings already set up. But check to see the last date you can cancel your appointment without penalty, because trips and meetings come up! Some offices also have weekend and evening hours. It's not common, but if you find one, go here if asking for a few hours off is an issue. 
  
• Friends, family and relationships: Write all of these down in your planner! Make all of these official. And make time for each group once a week. For instance, make room for at least one friend (preferably more, but at least one for your own sanity), make time for your family once (I have spaghetti with my parents every Sunday, but unfortunately not everyone lives near family) and make time for a significant other once a week (if you don't have one try to go out on a date at least a few times a month, for your own sanity). 

It is very necessary to have a routine in order to get everything done, just as necessary to be organized to pay your bills. Having a routine allows you to get used to things, allowing you to do things. A routine isn't for everyone, but it sure does help me get everything done! 

A fresh month

It's getting to be the end of January, we are all about to begin February. Think of this as a fresh start. Think of each new month in this! I know it is only the second month of the year, but I have read studies that say that the majority of New Year's Resolutions have already been given up by now. Don't wait for next year to make new ones. You could do so much damage by waiting around for the next time for resolutions. Make new ones at the beginning of each month! Here's some of what I'm talking about

Budgeting!!!! 

• Credit Cards! I know I have said they are great in the past. Let me clarify how to use them in a good way. Get a credit card with a low limit!!!!! like $500 low. Pay this off every few days and write these amounts in your registrar!!!!!! Don't get a huge credit card unless and carry it around for emergencies, then on a shopping spree! 
  
• Pay off Credit Cards! Let's say you have already maxed out several credit cards, as I'm sure some people have, and are thousands of dollars in debts. Or let's say you are in debt because of school. The simplest piece of advice would be to take it one day at a time, and set aside as much as you can. Get professional help if you are far in debt. The more professional, the more expensive, but the more they can help. But even if you are making enough to live a fairly cushy lifestyle, cut your expenses significantly, budget wisely, and pay off your payments fast to get a better credit score! And don't forget! Those minimum payments may only cover your interest, you may not actually be making a dent in what you owe! 
• Budget week by week! Set aside the right amount of money for your set expenses in the beginning of the month: rent, utilities, insurance, payments... The rest is for your changing expenses: food, clothes, entertainment... Divide the money into 4 (for four weeks in a month) and spend this amount each week, but no more. If you have problems (like I do) try withdrawing this money and spending cash each week. Then once you run out, you run out and don't spend anymore. 
• Keep looking! Keep the cost of all your bills out, and their due dates! Make sure they are all paid in full on time. Some you can even pay in advance! Make sure you have enough for all of your bills, because this is the most important thing. You may be living paycheck to paycheck for a few years (hopefully you then get that huge promotion, or that huge wedding ring...) and you can finally move up in life. But you can't if you have bad credit. 
• Save! The economy :-(. It's not doing well, as everyone hears about daily, but it's the truth. I have heard that it should be doing better by the summer, but you never know. Keep your portfolio and resume ready just in case. And keep some money set aside to get you through if something does happen. It is wise to keep at least 2 months saved up, of daily living expenses. I've heard as much as 9 months should be saved up. But do what you can. Because once your income goes, you can't really do anything. 
• List! Make a list of everything you WANT! This is help you save for these things instead of blowing it on spur of the moment small purchases! Put on there your barstools, and those hot $150 jeans your dreaming of! (Or maybe this is just my list) But make a list, and maybe put pictures up in a few strategic places to entice you to save up! 

Health!

• Exercise! It's never too late to start exercising! Don't be ashamed to exercise. What's the worse that could happen? People make fun of you? No one will! Esp not in a crowded gym! They would get their butts kicked by all the in shape people! You fall off the treadmill? I've done it! Maybe that hot nice guy will see you and realize you're human and check to make sure your ok! Its better to do it now, than 20 years and 40 pounds later! 
• Eat healthy! It's cheaper first of all! Think about how much you spend at McDonald's or Moe's everytime you go. Then think about how much you would spend on a casserole, and how many servings you would get out of it. Also think about how much healthier this is. Everything for lasagna is about $30 (this one is a bit expensive). I usually get about 8 servings out of it, this is less than $4 a serving. And most of the things that go into it you already have! 
• Vitamins! Take a multivitamin everyday made for women (or men if you are a man). This will give you an extra boost that will help you out. It only takes a minute to take and you will feel much better! 

Personal

• Job! Now I'm not going to tell you to quit your job, esp in this economy. But I will tell you to do something to improve it! If you don't like your position, think about what you could do to get a promotion. If you actually dread coming into work, begin putting your portfolio together so that you can be ready if another position comes up. But stay realistic. Don't expect to become the CEO anytime soon if you just graduated from college. 
• Relationships! This goes for both romantic and friendship. Relationships are a two way deal, each side has to give and take. Make sure you listen to all of your friends! And make sure they are listening to you. If you think you aren't getting what you deserve, talk to your friend. It's better than blowing up at them down the road. Getting your feelings out may create a tense situation, but think about how tense a situation would be if you blew up at her during brunch because she's going on and on about her stupid dog (not a real life event hopefully) 

Think of each new month as a new beginning, and do what you can to improve yourself. Most peoples New Years Resolutions don't last but a few weeks, an average of 3. Think about if you did this for 3 weeks each month. If you ate well, budgetted well, and exercised for 3 months out of the month? That's 3/4's of the year you would be doing good, instead of 3/52's. Who knows, it may even become a constant habit! 

How to go grocery shopping

Grocery shopping is something everyone has done by the time they are our age. Most of us have done serious grocery shopping by now. This blog will give you more tips and tricks to going grocery shopping effectively, and hopefully not have to make another trip out an hour later.

• Make a list: Through the week write down things you need as you run out of them. This is most easily done on a dry erase board you can keep on your fridge, or somewhere else easily accessible. Then, on your grocery shopping day transfer this to your list! As for the rest of the list, it would be best to plan out your menu for the next week, to save gas on multiple trips a week. Write down all the ingredients you may need and buy them then. 
• Make a menu: At the beginning of each week write a menu for the rest of the week. Add these things to your list. Include, or don't include, date nights. I listen to Cosmoradio on Sirius, and they talked about one girl who would arrange her dates in the beginning of the week and then write her menu to save money. 
• Take your list! Make sure you make a list and take it with you! Otherwise, you may forget something. Organize your list based on your grocery store, to avoid having to double back. 
• Coupons!  Before you go, gather up your coupons. Check expiration dates, and pick up staple items that are about to expire even if you don't need them. I'm talking about paper towels and tissues, not chicken broth. 
• Eat! Don't go to the grocery store hungry. At least buy some fast food on your way, if you really have no food at home. Otherwise you may buy things that look good, but that normally you wouldn't actually buy.
• Check prices! Buy the less expensive brand, unless you really like a certain brand and are willing to pay extra. But things like rice, buy the store brand. 
• Check expiration dates! Before you buy something, check the expiration date. Think about when you plan on using it, and try to figure out if it will be used before the expiration date. 
• Double check your list! Before you leave, run back through your list and check for everything. Make sure you got everything you needed. 
• Pull out your card! I usually save dollars, as much as $10, just on food for me between my coupons, and my membership card. They usually don't sell your info (I have about 10 different cards and have never gotten anything, but I have heard some do), they just want to know what you buy. So make sure you have one to every grocery store you may shop at.

Make sure you bring you list everytime you go shopping! It will be your life saver. And if you don't know what you want to get because your new to grocery shopping (like me) base it on what you have coupons for. 

Organize your life

I have spoken with some friends and have come to discover that one of the most frightening things about being independent involves organization. Many people are afraid that there will be issues paying bills, and also organizing doctors appointments. The key to each of these is organization!

Bills

• A desk! Have a set place to pay your bills. A desk would be best, but a plastic drawer set beside your dining room table would work as well. Just make sure you keep everything together. You need several things around here:
  
• Bills: You need a special place to put your bills. I have a divider at the corner of my desk that holds my bills, and as soon as I walk in (and open to look at the damage and due date) I put them here. As soon as you get a bill go ahead and pay it so you don't forget. Make sure you also have stamps here, because bills do not provide them.
  
• Due dates: If you think you'll forget to pay your bills, post a list of due dates and the cost of your bills. I have mine on a dry erase board on the wall beside my desk. I have the bill, the cost (or the last cost for thing such as electric) and the due date. Then I write the date they were paid to make sure I got this months and it has been paid. 
  
• Save them! Once you have paid your bills put the invoice and anything else that came in the envelope back in the envelope. My checks come with a carbon copy and so I save this in here which has the date and amount. I have an accordion folder and I keep all of my bills in here. 
  
• Savings: As you do your bills, think about a savings account as another bill. When you pay your bills, transfer a set amount of money (maybe just $50 or $100 a month) and put it away for unplanned things, such as a car accident or medical bills. If you can't do this, get a credit card just for these. You will have to pay interest, but you won't have to worry about being indebted to someone else, just a credit card company! But don't keep this card in your wallet. Hide it, and only take it out if you have an EMERGENCY! (And a $500 dress on sale for $300 is not an emergency)

Appointments

Most people who live with their parents, have the luxury of simply being told when a doctors appointment is, not having to actually call the doctor, and remember a doctors appointment is coming up.

• Appointment book! Make sure you buy an appointment book, or use your phone to consolidate. Write down all of your appointments! Your work appointments, your friends appointments, your doctors appointments. Anything you say you will do needs to be official. It will help you remember appointments, and also look forward to fun appointments.
• Here is a list of when you should visit your doctors:
• Dentist: every 6 months
• General practitioner:  once a year
• Gyno: once a year
• These do not count if you have a special condition. Ask your doctor (or your parents who have been scheduling these appoints) and write these down as well.
• Also, if you get sick and don't get better, go to a doctor. If it is just a sore throat that won't go away after a week or more, go to urgent care. If it doesn't go away after you see urgent care, or if you have more serious symptoms, go to your general practitioner. Don't run to the doctor everytime you get sick. Most things can be fought if you give it a few days, just manage the symptoms with meds when you need them. Also, health insurance goes up the more you go to the doctor. 
• I would suggest writing down the date of each of your last visits, and the approximate date of your next visit, or else schedule it in advance. Write this down in your planner, or post it on a bulletin board at your desk.

Don't only write down your work and doctors appointments, write down everything! Write down your fun appointments with friends and significant others, it will give you something to look forward to. 

• Friends: Make sure you see at least one friend a week. In the beginning of the week schedule this day so that you will have something to look forward to. But as the new person at your job, you are often very busy. But make sure you make time each week to see a friend. If you are tired, simply sit around and watch tv with them. Or go to a bar. But make sure you write this down in your planner to make it just as official as work. And don't let anything else come in the way (although things do happen).
• Love life: Just like your friends, make at least one day a week for your significant other, or a potential significant other. Even if you have been dating someone and are past the honeymoon stage, make at least one day a week to spend alone in or out doing something special. Make this day just as official by writing it in your schedule. 
• Home life: Spend everyday cleaning a little bit. I have written a previous blog about keeping your apartment clean called How to Clean. Basically, you need to clean as you go. And spend a little time each day doing detailed cleaning. For instance, clean your counter each time you cook, but also run in and spend five minutes on the toilet on Mondays, then five minutes on the shower on Tuesdays... 
• Pets: I don't have a pet, because I can barely take care of myself, but I grew up with a dog, so I may be able to give a little advice. Make time for your pet each day. Write down everything that needs to be done (feedings, walks, potty breaks) and write down a time for each (with breakfast, after work...) Then, when you are winding down in the evening, or getting ready in the morning, sit down with your pet and pet it as you pick out your clothes. Talk to it as you brush your teeth or shower. Give it treats as you cook. 

Organization is the key to getting everything done. In order to pay your bills you have to have a set way of doing it. You have to know where your bills go, when they are due, and a guesstimate of how much they will be. You also need to write down every appointment you have, not only work but also friends.