Tag Archives: Time Management

Do You Live Like an Inbox?

What is your work style? Could you be an inbox type of person?

People who live like inboxes don’t prioritize. Instead of looking at their work and formulating a plan, they get straight to work at whatever is dumped on them. If you do this . . . STOP! Planning is a critical part of generating results. Your time is limited. Be selective in how you spend it. Decide what you will and will not do. You don’t have enough time to finish everything. Determine what your priorities are and start with those.

Managing your time is not someone else’s responsibility. It is yours. You are responsible for your own time management and prioritization management, so do not allow others to dictate your life and your schedule.

When someone gives you a new task, don’t automatically do it. Take the time to look at each item to decide whether or not it is a good investment of your time and talents. Ask 1) Is it important? 2) Am I the right person for the job? and 3) Should I say no?

Every day, evaluate how you will spend your time. Prioritize. How do these items align with your personal goals, priorities, and mission? Think before you work.


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

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Filed under Attitude, Balance, Goal Setting, Goals, Inspiration, Life Balance, Miscellaneous, Priorities, Resolutions, Stress, Time, Time Management

Week in Review: February 13-17

Franklin Delano Roosevelt, 1933. Lietuvių: Fra...

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I’m trying something new. This blog entry will include everything in the week that I posted on Twitter, Facebook, LinkedIn; along with links to WordPress posts.

February 13

Proactive people take the initiative and responsibility to make things happen. They cause action rather than being victims of circumstance. -Chris MacAllister

By concentrating single-mindedly on your most important task, you can reduce the time required to complete it by 50% or more. –Brian Tracy

Blog – Paying the Bills


Shared ArticleFear the FAFSA? Here are five mistakes to avoid when applying for college financial aid

Decide today to change your $ habits. Procrastination costs you $ and opportunity. – Bryan Cooper

February 14

Do something. If it works, do more of it. If it doesn’t, do something else. –Franklin D. Roosevelt

Want more time? Stop worrying about your money and start managing it. Better money management equals better time management.–Bryan Cooper

Shared Article401(k) plans: Did yours grow? Most didn’t in 2011.

A wise man who does not grieve for the things which he has not, but rejoices for those which he has.-Epictetus

February 15

Don’t make your life all about money, take your money and make it all about life. – Bryan Cooper

The #1 and probably most important, key to consistently doing what’s right is actually quite simple: think before you act.-Eric Harvey

Blog – Is Saving a Lost Art?

If you only need to use an item once or twice, consider borrowing or renting the item instead of purchasing it.

February 16

Optimism is a crucial choice we make in establishing expectations for ourselves and others as we begin to move forward through adversity. -Christopher Novak

The bad news is time flies. The good news is you’re the pilot. -Michael Altshuler

Men are like bank accounts. Without a lot of money, they don’t generate much interest. – Unknown

Don’t like the idea of changing your spending habits? Don’t; but you’ll dislike being broke the rest of your life even more. –Bryan Cooper

February 17

When someone offers you a challenge, don’t think of all the reasons why you can’t do it. Instead say, “Yes!” Then figure out how to get it done. -Katherine Hudson

For fast-acting relief, try slowing down. -Lily Tomlin



Shared ArticleMore Americans say it’s OK to cheat on taxes

The number who advocated cheating ‘as much as possible’ doubled last year, to 8% of taxpayers. An additional 6% say it’s OK to cheat a little.

Don’t forget to stop by the My Financial Life Coach Facebook page and click like.

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Filed under Balance, Blog, Change, Credit, Debt Elimination, Economy, Emergency Fund, Events, Family, Goal Setting, household budget, Life Balance, Money, News, Personal Finance, Saving Money, Time Management, Uncategorized

Sara’s Journey Through Balance Up – Days 13-15

Day 13–What if you can’t pay all your monthly expenses?

(Posting Sara’s (Single Mom’s Ask Sara) journey through the Balance Up program.)

Hello Balance UP! watchers. I am once again behind in my classes. I lost a dear friend, I took a mini-vacation, and I have been blessed with some over-time at the office. Fortunately, the Balance UP! program is so easy to follow that if life happens (and it does), you can jump back into the program at your first opportunity.

Last week was my bill paying week. By following Bryan’s directions, I was able to find the funds to pay cash for my that little vacation, and I was put an extra $100 down on that stupid IRS bill. I am actually looking forward to this month’s bill paying to see how much extra money I can find. Yes…you heard that right…

“I am actually looking forward to this month’s bill paying.”

I can’t believe I said that. If you recall…this is the time of the month that I generally wake up around 3am in a panic even if I have the money to pay the bills!

Not quite there yet? Then Day 13 is the day for you!

When we can’t pay those monthly expenses we feel ashamed. When we feel ashamed we pull back. We isolate ourselves. We are sure everyone knows. The reality is, no one knows, and there’s the rub.

“No man is an island.

Bryan reminds us to reach out. If you need something, ask. Maybe your washing machine died, or the tires are about ready to fall off the car. Someone, somewhere, has a washing machine in their garage, or some gently used tires looking for a home. If you don’t ask, these items can’t find you.

Bryan also offers some great tips to prioritize your bill paying when you don’t have enough money to go around, along with some very sound advice for interacting with creditors. You can use his sample letters to explain your situation, and you can send along his budget sheet to illustrate that you are honestly in a bit of a pickle. There is nothing worse than endless creditor phone calls when you are already over-stressed about your finances.

Balance Up! What are you waiting for?

Day 14…Managing your minutes

Does a lack of time management cost you money?

Do you pay late fees because you missed payment due dates? Do you sometimes eat out because you didn’t make it to the grocery store? Do you wait until your car breaks down to fix it because you didn’t have time to do regular maintenance?

Growing up, my dad paid the bills while my mom made dinner, cleaned, etc. Now, my mom pays the bills while my dad makes dinner, does the dishes, etc. When you are a single mom (or dad), you are paying the bills, making dinner, cleaning, helping with homework, driving kids around, etc. Time management under these conditions gets trickier, and when you factor in plain old exhaustion… well let’s just say I have paid my share of late payments because I ran out of minutes in my month.

With demands such as these on our time we find we are often…

“Doing what we’ve always done, and adding more to it.”

Who hasn’t been there? I know I can relate! I certainly don’t make a conscious decision to function this way, but when I look back, this certainly seems to be what has happened. I recognize my ADD does nothing to help the situation, but I would really like to get to stop running this hamster wheel, so I’m ready to do better!

Wanna do Balance UP! for free? Leave a money saving tip here, and you’ll be entered into a drawing to do just that! Balance UP!

Day 15…More time management

Who doesn’t long for more time? I know I find that I am often working from the time I get out of bed until I collapse back into bed at the end of the day. There is just so much to do!

For a Type A single mom with ADD, time management is a constant challenge. The reality is, there are more to-dos on my list than there are minutes in my day. It is a fact. I used to feel bad about it. I used think that I was failing at this time management thing and that I needed to work harder to get it down. Then a funny thing happened. I noticed that married people who help each other struggled to get everything done too. If the two of them can’t do…and often with fewer children than I have…was I expecting too much of myself?

The answer is simply “yes”. My first adjustment was to say to myself,

“Self, you are not going to accomplish everything, everyday that you want to accomplish.”

Once I made piece with that life got a little easier.

Bryan offers some great time management tips. I suggest you pick 2 to get yourself started. Once you have the incorporated these 2, you can add 2 more. Here are some of Bryan’s suggestions:

1. Get started. (Good idea!)

2. Handle a task once. Don’t move it from to-do list, to to-do list.

3. Schedule 6.5 hours of work for an 8 hour day. This gives you wiggle room but still lets you complete your list.

4. Get off all the email lists for the emails you just delete anyway.

5. Eat well and be well-rested. (Do your best)

6. Say “No”

Number 6 is my favorite. My next newsletter will have a link to order The Book of No. Saying no to everyone else’s demands is a powerful tool in maintaining your own sanity and living the life you’d like to live versus the life everyone else would like you to live. Namely, doing what makes them happy, without any regard to the toll it takes on your life, your health, your relationships, or your responsibilities.

Pick a few priorities for your day…things that have to be done, and work from there. Anything else you get done is a bonus. Above all, make sure you have time to talk to your kids, hug and squeeze them, and learn about their day. You don’t want to be on your deathbed thinking “I made it to every PTA meeting like all the adults at the school wanted, but I didn’t read books or play games like my kids wanted.” Or, “I wish I had gotten around to planning my financial future. I have nothing to leave my kids.”

You are sometimes going to go to bed with a sink full of dirty dishes. There are more important things. Spend your time on those.

– Sara

Interested in learning more about Balance Up? 32 online lessons taken over a 42 day period for only $29.99.

Bryan Cooper

My Financial Life Coach, LLC

Delaware, Ohio


My Financial Life Coach is a provider of financial education, coaching, web-based training,

and seminars for individuals, businesses, and non-profits.

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Filed under Budget, Finance, Goal Setting, household budget, Money, Personal Finance, Priorities, Time, Time Management, Uncategorized

Tuesday Time Tips


Misunderstandings result in wasted time and frustration, so avoid them. When communicating something to others, be clear and specific. When listening, don’t be afraid to ask questions.


Most crises are preventable. Plan and work in advance so that manageable projects do not evolve in crises.


Never rely only on your memory. Write the information down and store it in an organized fashion.

Consider This:

On occasion, take a few minutes to evaluate your efficiency. Is your current method of time management working? If not, consider altering or replacing it.


Organize the files on your computer. Be sure that you can easily find things.

You have a choice, and the choice is yours.

Bryan Cooper

Financial Life Coach

Dave Ramsey Certified

2280 W William St., Suite A

Delaware, OH 43015


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Filed under Balance, Dave Ramsey, Goal Setting, Goals, household budget, Life, Life Balance, Parenting, Stress, Time Management

Time Tip Thursday

Home: When purchasing something which may be out of stock, call the store before leaving home to see if they have it.

Work: When scheduling, use a single calendar to ensure that business and family events do not conflict.

Work: When you are at work, be sure to work. Being more efficient while in the office will increase your productivity, enabling you to focus on other things when you are not at work, such as building relationships with your family and friends.

What are some of your favorite tips? Let’s hear about them. Post your comments here or on my Facebook page.

Just a reminder, between now and December 25, I’m donating $2 to Lifeline Christian Mission for every new “Like” on the My Financial Life Coach Facebook page.


Bryan Cooper

Financial Life Coach

Dave Ramsey Certified

2280 W William St., Suite A

Delaware, OH  43015


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

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Filed under Christmas, Dave Ramsey, Goals, Miscellaneous, Procrastination, Time, Time Management, Uncategorized, Work

Save for Large Expenses

I started working with people and their finances twenty years ago, and I’m still amazed by how many people use their credit cards to buy things like tires and furniture.

I want you to catch this: They tell me they don’t have enough money each month to save up for these items, though they do have enough money to pay the credit card company back for these same items but with interest.

The key is to start using the sinking fund approach. The sinking fund is a fund where you prepay for anticipated expenses. Here is an example where someone needed $400 worth of tires:

 Car tires – $400 – Divide by how many months until you need them.

6 months:            $67 per month – prepay

12 months:         $37 per month – prepay

24 months:         $17 per month – prepay

If you charge them on a credit card for 2 years at 24.9%, you will pay $ ___111.18____ in interest.

With just a little bit of preplanning, $111.18 of interest could have been saved. This same concept can be used for larger purchases too, such as large home repairs like roofs, furnaces, and even your vehicle replacement. Planning ahead by saving money in a sinking fund can save you thousands of dollars.

You have a choice, and the choice is yours.

Bryan Cooper

My Financial Life Coach

Dave Ramsey Certified

Delaware, OH 43015


Could your organization benefit from one of our financial seminars? Some folks just don’t have the time for a 6 or 13 week class so we offer two, three, and four hour seminars to help jump start the process to financial freedom.

In this seminar the participants will learn how to:

  • Develop in-depth financial and non-financial goals
  • Look at money differently
  • Save money
  • Develop a plan for their income
  • Get out of debt
  • Develop life balance skills such as Time Management, Prioritization Management, and Procrastination Management



Filed under Auto, Budget, Dave Ramsey, Finance, Personal Finance, Saving Money

Take Control of Your Own Life

Take Control

Do you feel like people take advantage of you? Do you allow others to control your time or your priorities? If you answered yes, let me tell you about a simple solution to your problem. By learning to say two phrases, you can regain control of your life. Learn to say no, or not now.

Doing What is Important

Saying no or not now to others will allow you to say yes to you, yes to those who are important to you, and yes to those things or activities that you care about. By saying no and not now to others, you will regain control of your time management, your goal setting, and your direction in life. When you say these words, mean them. Follow through so that you can do what is important to you. Establish your goals and prioritize them.

Your Compass

You should be using your goals as your compass in life since they reflect what you have predetermined to be important to you. Prioritization points you the direction you want to go and helps you to get there.

Apply to Other Areas

This applies to more than just your time. It applies to your finances as well. Saying no or not now (or “not so much right now‘) allows you to say yes to the important things later. Example: Saying no to spending $150 every month eating out but saying yes to $100 a month means a $50 per month savings. Let’s say you go through your entire budget doing this and you free up $200 a month. Let’s say to systematically invested this $200 a month over the next 15 years. Depending on your rate of return your $200 a month could become somewhere near $75,000 (did someone say college fund?).  So by saying no, not now, or not so much, you are able to say YES to the things that are important to you.

You have a choice, and the choice is yours.

Bryan Cooper

My Financial Life Coach, LLC

Delaware, Ohio  43015


Check out our new, totally online program, yours today for just $29.99.

Balance Up: 42 Days to Maximize, Energize, and Organize Your Life

Balance Up is different than most other programs because it combines Goal Setting, Financial Management, Prioritization Management, Time Management, and Life Balance into a single program. In the mid 90′s Bryan developed and delivered corporate training in the areas of Goal Setting, Action Planning, and Time Management, so he understands adult learners. Bryan has combined that experience with his experience in financial coaching to create Balance Up.

So what are you waiting for? Take action today and start working on your dream, goals, or finances.  Let Balance Up walk you through the process.


Filed under Balance, Change, Family, Finance, Life Balance, Personal Finance, Priorities, Stress, Time Management