Category Archives: Personal

Personal Improvement: Interest Isn’t the Only Thing that Compounds!

What do you say when you get a 1.25% annual return on your savings account? You’re excited, of course! But have you ever thought about the idea of compounding personal improvement?

Look at it this way. Say that you improve yourself 1% each week for a year. Over the course of a year, that’s 52% just by adding the weekly “interest.”

But wait- there’s more! Do you remember the magic of compounding interest? It’s more than 52%! Not only do you gain the 1% each week, but you also gain improvements on those improvements as time goes on. It’s easy to improve yourself 1% each week. Do you watch TV? How do you use the commercial time? Instead of watching them, find something productive to do during that time. Clip some coupons. Fold the laundry. You get the idea.

Speaking of TV, have you ever considered taking that idea further? What if you reduced it? What could you accomplish during that saved time? What about your commute to work? Instead of listening to a talk show about celebrity gossip, is there something else you could be listening to? Try an educational CD or MP3 download to attend what the late Zig Ziglar called Automobile University. Now that’s a great way to improve your time management! You can add hours of learning to your life without an additional time commitment since you’re replacing rather than adding an activity.

You have a choice, and the choice is yours.

Bryan Cooper
My Financial Life Coach LLC
“Helping You Get Your Financial House In Order”
2280 W William St., Suite A
Delaware, OH 43015
http://www.MyFinancialLifeCoach.net
https://www.facebook.com/MyFinancialLifeCoach
http://www.linkedin.com/pub/bryan-cooper/26/199/722
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Filed under Attitude, Change, Events, Goal Setting, Goals, Inspiration, Life, Life Balance, Personal, Priorities, Relationships & Money, Thoughts, Time Management

Slow Down, to Go Faster

Slow down so you can go faster. So many times, we go ninety miles an hour all day long only to find we either didn’t really get anything done or we worked on the wrong things.  Slow down, get rested, and prioritize what you need to do. An important part of prioritization is removing things from your list. Learn to say no. You may have items on your list that are unimportant, put there by someone else, or will take you in a completely different direction then you want to go.

So how do you change this?

Step One

Stop. Take a look at what all you have going on.

Step Two

Determine what is important to you.

Step Three

Get rested. You will not be efficient or effective if you are worn out.

Step Four

Prioritize. Take what you determined is important to you and make it a priority.

Step Five

Eliminate. Take another look at everything you are doing. Eliminate anything that is unimportant or distracting.

Now you can start back up and take action on the most important items that will lead you in the direction you want to go.

You have a choice, and the choice is yours.

Bryan Cooper

Financial Life Coach

My Financial Life Coach, LLC

Visit us at:

http://www.MyFinancialLifeCoach.net

https://www.facebook.com/MyFinancialLifeCoach

Keywords: Balance, Change, Culture, Education, Family, Goals, Goal Setting, Health, Home, Inspiration, Life, Life Balance, Miscellaneous, Personal, Priorities, Stress, Thoughts, Time, Time Management, Work, Uncategorized

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Guest Blogger Friday – Brianna Cooper – Making the Most of Your Time in College

Welcome to college, the land of absent-minded professors, social lives, and all-nighters! Finally on your own, you are free to use your time as you wish. A movie at 3:00 a.m.? Why not! Soccer between classes? Sounds like a blast! College is a time of fun and growth, and in order to achieve the greatest benefit from it, you must decide what you hope to accomplish in college. Here are a few steps to help you get started on your journey:
1. DETERMINE YOUR PRIORITIES.What do you hope to accomplish in college? Decide what is and is not important to you. Make a list of your priorities, numbering them by importance.

2. SET GOALS. You cannot reach a goal if you don’t have one. Once you have determined your priorities, you must decide what you are going to do about them. Set specific goals that can be measured. For example, if getting passing grades is one of your priorities, define what that means. What specific grades do you want? Don’t forget to write down your goals. Put them somewhere you will see them on a regular basis.

3. DEVELOP A PLAN. You must decide how you will obtain your goals. This step includes creating a schedule, which can take on a variety of forms. Schedule time to reach your goals. Using our previous example of getting passing grades, schedule study time. Set aside the needed number of hours at a specific time.

4. FOLLOW YOUR PLAN. Once you have determined your priorities, set your goals, and developed a plan, follow it! You can only succeed if you act upon your decisions.

5. EVALUATE/CHANGE YOUR PLAN. Periodically evaluate your priorities, goals, and plan. Are you satisfied with where you’re heading? Have your priorities or goals changed? Is your plan working? If you have changed your priorities, you may need to adjust your goals and plan. Also, if your plan doesn’t seem to be working, try changing it. Don’t be discouraged if you fail in your first attempt. Don’t give up. You can reach your dreams!

Enjoy your time in college!

 

Brianna Cooper

Frugal College Student

Editor @ MyFinancialLifeCoach.net

 

Visit us at http://www.MyFinancialLifeCoach.net

Keywords: Change, Balance, Education, Goals, Goal Setting, Life, Life Balance, Miscellaneous, Personal, Priorities, Procrastination, Relationships, Saving, Saving Money, Stress, Thoughts, Time, Time Management, Work, Uncategorized

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Filed under Balance, Change, Education, Goal Setting, Goals, Life, Life Balance, Miscellaneous, Personal, Priorities, Procrastination, Relationships, Saving Money, Stress, Thoughts, Time, Time Management, Uncategorized, Work

This Labor Day weekend, “work” on the family life balance.

It is important to work hard but you still need that balance. Don’t spend all weekend working or worrying. Take time to enjoy those around you, doing things all of the things you love to do. This weekend, you should “work” on the family life balance.

You have a choice, and the choice is yours.

Bryan Cooper – Financial Life Coach

My Financial Life Coach, LLC

www.MyFinancialLifeCoach.net

http://www.facebook.com/MyFinancialLifeCoach

MyFinancialLifeCoach.net is a provider of financial & life balance education, web-based training, coaching, and seminars to individuals, businesses, and non-profits.

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Filed under Balance, Change, Children, Education, Events, Family, Goal Setting, Goals, Home, Inspiration, Life, Life Balance, Miscellaneous, Parenting, Personal, Quotes, Relationships, Stress, Thoughts, Time, Time Management, Work

Guest Blogger Friday – Brianna Cooper – College Textbooks

Several weeks after registering for college classes as an incoming freshman, I received the list of textbooks I needed to purchase. The grand total from the campus bookstore amounted to $443.88. If I were to purchase all used textbooks that were available from the bookstore, my bill would have been $357.65, a savings of only $86.23.

Paying a bill of several hundred dollars after I had just written a large check to cover my first semester’s tuition was very unappealing, so I decided that I would not pay that much money for my books. Grabbing a pencil and a piece of paper, I wrote down the ISBN numbers and scrolled through listings on Amazon and eBay. After about four hours of work divided over the course of several weeks, I purchased all of my books for a grand total of $249.09. This price is $194.79 less than purchasing the books new and $108.56 less than purchasing them used from the campus bookstore. If I compare buying them online with buying them used from the bookstore, I made $27.14 an hour in savings for the time I invested in searching for the textbooks. It would have taken me over three times that long to earn the money, so I consider it time well spent.

Here’s how I purchased my textbooks:

1. I didn’t wait until the last minute. As soon as I received the list, I began my search. This allowed me time to find the best deals. I also allowed enough time for shipping.

2. I made a list of the books with their ISBN numbers. I included the bookstore prices for both new and used books.

3. I checked Amazon and eBay for textbooks listed in “new” or “like new” condition. I saved my searches and compared prices over several days so I would be able to identify good deals.

4. I asked sellers for more details about books listed in “good” or “excellent” condition. Some of these books are actually in “like new” condition. You just have to ask.

5. After determining the best prices, I bought most of my textbooks from Amazon and eBay.

6. I was unable to find several of the books used or new from private sellers. Before purchasing them at the campus bookstore, I checked the price of new textbooks on Amazon. Most of the books were around 25% cheaper if I purchased them on Amazon versus the bookstore. If you spend more than $25 (almost guaranteed when you’re buying books for college), you even get free shipping to your home.

Let me describe the quality of the books I purchased. Six of them are brand new. One has a slightly bent cover and a few bent pages. The eighth is in perfect condition but has writing and highlighting on four pages (Those four pages saved me $20.50. I can overlook the markings on a few pages for savings like that). Another is in great condition but has slightly yellowed pages. Considering this book was printed in 1984, this is due to age rather than wear. My tenth book is in great shape with minimal, barely noticeable wear on the tips of the corners. Again, this small imperfection saved me $50.18 over a new book. My final book is the only one I am somewhat dissatisfied with since the cover is worn on the edges even though the seller did not describe it this way. Nevertheless, I still saved $79 on it, so it was a great deal.

Overall, I am very satisfied with my purchases. I received a better quality than if I had purchased them used from the campus bookstore, had them shipped to my home, and saved a substantial amount of money. Since I bought my books at discounted prices, I should be able to sell most of them for the same price I paid for them. I could even make money on several books. If I am able to save this much money each semester, I will save approximately $1560 over the next four years versus purchasing them new at the campus bookstore. I will save about $870 versus purchasing them used from the bookstore, and both of these figures don’t include any money I can save by reselling some of my textbooks. Good luck searching for your textbooks!

Brianna Cooper

Frugal College Student

Editor @ MyFinancialLifeCoach.net

Visit us at http://www.MyFinancialLifeCoach.net

Keywords: Budget, Budgeting, Change, Balance, Credit, Debt, Family, Finances, Financial, Goals, Goal Setting, Life, Miscellaneous, Personal Finance, Priorities, Saving, Saving Money, Thoughts, Time, Uncategorized

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Is Your Smart Phone Causing You to be Not so Smart?

Smart phones are one of those inventions that can help you stay organized and save time, or they can really kill your organization and waste a lot of your time. A trend I have found among my clients is that they will check each email the instant it is received.

This behavior creates a couple of issues.  1) They read it now and don’t take action until they are back on their computer – so they review the email twice instead of once. 2) They read it now, and then their email on their computer shows that it has been read, causing the individuals to forget that they did not complete the action that was needed.

For example, you received an email reminder that your quarterly insurance payment is coming out of your paycheck on the thirteenth. You forget to confirm that you have enough money in the account because you were not on your computer where you would have normally transferred money to the account. Now you just got hit with a $30 insufficient funds charge. Because you read the email on your phone but did not respond, you wasted time and incurred an additional bill. So, just how smart is that smart phone?

You have a choice, and the choice is yours.

Bryan Cooper

Financial Life Coach

Visit us at http://www.MyFinancialLifeCoach.net

Keywords: Balance, Budget, Budgeting, Change, Family, Finances, Financial, Goals, Goal Setting, Health, Home, Life, Life Balance, Miscellaneous, Personal, Priorities, Stress, Thoughts, Time, Time Management, Work, Uncategorized

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Filed under Balance, Budget, Change, Family, Finance, Financial, Goals, Life, Life Balance, Personal, Priorities, Stress, Thoughts, Time, Time Management, Uncategorized

Don’t Multitask

Multi-tasking is so over-rated. In fact, its effectiveness is a primarily a myth. There is a reason why heart surgeons and bank tellers do not multi-task, just as there is a reason why you shouldn’t text and drive. People who talk with their hands shouldn’t talk and drive, but that’s a story for another day. Many important tasks cannot be done with true multi-tasking. While there are a few exceptions, the majority of work should receive all of your focus. Don’t distract yourself by attempting to do multiple things simultaneously. It usually doesn’t work. Oftentimes, folks are not truly multi-tasking. Rather, they are continually switching back and forth between two or more tasks, not fully focusing on any of them.  Experts say that when someone is interrupted, it takes that person an average of six minutes to get fully back up to speed on the original task. So with multi-tasking, you never hit your full productivity stride or focus. You are intentionally interrupting yourself and lessening how much you can accomplish in your day. Instead of attempting to multi-task, develop better time management skills by placing your full effort and focus on a single task at a time, moving on once you finish each job.

You have a choice, and the choice is yours.

Bryan Cooper

Financial Life Coach

Visit us at http://www.MyFinancialLifeCoach.net

Keywords: Balance, Change, Goals, Goal Setting, Life, Life Balance, Miscellaneous, Personal, Priorities, Stress, Thoughts, Time, Time Management, Work, Uncategorized

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