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Necessity helps. I HAVE to structure the bill payments.
Very true. Between home and business I have a lot of bills going out. After a lot of trial and error and late fees, I found what works for me.
I use a spread sheet divided into home and business down the left, then months across the top, each section has the bill and due date and amount. The chart starts out yellow background with red font, and as the bill is paid I change it to black and white to see exactly what was paid, how much and what was not paid, then check the chart and bank balances twice a week. I still miss a bill occasionally, but this is the best I can do so far.
My problems come more with time management. I do make daily lists, get a few things done, but inevitably something will steer me in another direction. The things which must be done I manage to do most, and things lower on the priority scale will be left for the next list, and the next and the next. I just can't seem to get to those.
I have tried doing a little at a time, but there is so much I get frustrated that I never seem to have the time or energy to get it done. I also have no one to help me. Like when I want to do a garage sale, cleaning, or have something repaired, it is just me and I can not afford to pay for help.
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