Out of time? GAIN A HOUR A DAY

Article Abstract:

Tips for gaining an extra hour each day through time-saving techniques are presented. These include getting up 15 minutes earlier to make time for exercise or relaxation, calling stores in advance to see if they have the wanted item, doing small errands while waiting in offices for appointments, turning off the television set, not answering the telephone for an hour, and having family members help with dinner.

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THE $35,000 QUESTION

Article Abstract:

Personal budgeting for families and couples making no more than $35,000 annually may seem a challenge, but it requires careful planning and consistent self-discipline. Everyone can find purchases without which they can live, or ways to reduce indulgences and cut normal expenses, such as electricity and other utilities, clothing, and automobile usage.

Planning, Finance, Personal budgets, Cost and standard of living, Cost of living

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The time trap

Article Abstract:

Time management is meant to keep people efficient, but it can often lead to too much to do in too little time. People should rethink their priorities and bring more of what they want into their lives rather than constantly going. Solitude, not always saying yes to people and focus can help.

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