Time Debt & 5 Ways to Help!

I've said it before and I will say it again - the shower is the best think tank.  The other day, I was once again hit with an idea while in the shower.  It was the concept of time debt and really how to determine how much you have and how to get out of time debt. 

My husband and I went through Dave Ramsey's Financial Peace University several years ago and honestly its time we go get a refresher course.  If you don't know who Dave Ramsey is, he is a financial guru.  He explains how to know what you are spending and making, how to make a budget, how to get rid of debt and save for the future.  His program is amazing!  

As I thought about his principles of finance, I realized they also applied to time.  Time management is the theme for this month and its great to start out with time debt.  The truth is time mismanagement
 often happens without much thought.  We end up signing up for more in life than we can deliver on.  This is a problem for a lot of reasons.  We can come across as a flake and get a bad reputation, but it can also cause a lot of stress in our lives when we always feel behind.  The pressure of not getting it done can be a heavy burden!

Just like in finances, with time, your first step is in discovering where your mismanagement is happening and finding a solution is: 

1. Create Categories 

Start this process by listing all the areas of life that you have.  I did this with circles, like plates, because life so often feels like spinning plates.  I wrote a category in each circle:  Family, Friends, Work (that maybe be more than one plate if you have a side hustle or two), Household Duties, Spiritual Life, Self-Care, Volunteer Commitments, etc.  

2. List Out the Duties

Next make a to-do list for every category.  I know this will take some time and thought, but its worth it in the long run.  

3. Cost it Out

Go through each list and assign in an average time to accomplish.  So cleaning the house might be 4 hours a week and shuttling the kids around is six hours a week, etc.  You may have to track some of these in a given week or two to get a good feel for how much time you put into laundry each week or a certain work task. 

4. Add It Up 

Add each column, then add up all of it.  Depending if you did it for a day, week, or month, you will then add up the amount of time that is available in that time frame, and make sure you added sleep in there! 

5.  Take a Look and Begin to Ask Questions

Look at the lists. Do you have more time commitments than time available?  Were you surprised by the length of some versus other lists?  Take note of a few things.  If you have time debt, how much do you have?  What does the time per category communicate about your priorities?  Does it line up with what's most important to you?  If you have time debt, what can you take off your plate?  What needs to be readjusted.  Do you have time to say yes to the requests of others or is it time to say no?  

Getting a handle on where your time goes, really helps you to understand the value of what you say yes and no to.  Change can happen when we are able to take a look at the issues and be empowered to do something about it.  

Did you find this helpful?  Let me know!  Sharing from my life and what I'm learning makes the challenges I face so worth it.  I told God long ago, "If I have to go through it, you better use it!"  He's taken me up on that time and time again.  Happy Wednesday!  Let's see how we can face time management together this month.  

DIY Life - Hallway Projects

So first let me just say I have an problem with making decisions. I recently re-read my Myers Briggs Personality Profile, ENFJ, to discover that it is in fact my personality that is to blame. Okay so its not just my personality but it would appear I'm predisposed to indecision, so at least some of those decision issues can be summed up with the phrase, "It is what it is." That knowledge nugget was given to you so you will understand the dilemmas I go through even in simple projects.

Several months ago, we started updating our house, I would say remodel or renovating, but those words would involve some actual money, which we don't currently have for anything other than bills and debt repayment (Thanks Dave Ramsey!). When I saw the wonderful look of the outside of our house after a paint job, I decided the inside could use one too. So I started in the hall with the pantone color, String, it didn't come out quite like I'd hoped at first, but with new faceplates for the electrical switches, new pantry knobs from Hobby Lobby, new light fixtures from Habitat for Humanity's ReStore shop, it was well underway. I found a great mirror at Kirklands on sale (sales make me super happy FYI) so instead of redoing the one we had in the hallway, I decided to buy one, call it done and actually save a little money in the end in comparison with what the supplies would have cost for me to punch up the one we had. Then, as a result of my mutterings to God, I found 2 frames on clearance at Target that I had been stalking for well over a year. The frames were originally $30 each and I got them both for $20, another great sale score!

Then I went to see my sister and mom in Ohio. I was in awe of my sister's house. So I came back on a mission to find some unique pieces and ones that spoke to me.

That is when I found the Consignment Warehouse and discovered some great pieces, of course, my indecision issues started to sprout and I did my share of hemming and hawing, and actually lost out on a few things I liked because of it. But I found a great architectural column to use on the wall.

I got that wall done then went back in search of some other pieces. I found an old drawer and decided I could use the kids handprints and make my own shadow box for the wall.

I got some paint (free by the way, coupon in the Real Simple magazine), and used my 40% off app to get some nice fabric and furniture tacks at Hobby Lobby. I did however run into a snag. I couldn't find my oldest stepdaughter's hand print. I couldn't do 2 out of 3 so it was back to the drawing board. After a great deal of searching and anxiety attacks I came up with a collage of memorabilia from all of us, all 3 kids and the hubby and I. I think it turned out great. (For those of you who wanted to see more about this project, I will do a whole post devoted to it).

I have become a fan of string nail art. I made a piece for my office at work, and I found it not only to be a great art piece, I also found it to be therapeutic. There's just something about hammering nails to get out the tension and stringing them to help bring focus and calm. Its great! I had purchased the first piece of wood from ReStore, so I headed back that way when looking for something for the hall. I got a nice, sturdy piece of wood for about $5. I found some inspiration off Pinterest and ventured out in the same direction, but found I needed a few changes at the end. All in all I am pleased with the results.

I then paired these great pieces with this awesome frame I found online through a local Facebook group dedicated to selling your stuff. I am still working on a few more items for the hall, but I am looking forward to putting my efforts toward the living room soon.