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News You Can Use
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Number 112                                                                                             October 15, 2013 
In this Issue
Article Headline
Musings
Shayna's Success Stories
Your Money
Article Headline
Something to think about.. 

 It doesn't matter how many times you fail--  you only have to be right one time

Mark Cuban


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Make copies of all of your credit cards, with notes about the 3 digit code and the phone number you need to report them stolen.  This will relieve a lot of stress if they are lost or stolen.    

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Musings

Let It Ring

        Email, Facebook, Twitter, and a phone in your pocket, while great means of communication, can also be tremendous time wasters.  How often have you gone online to check your mai Facebook l and found yourself an hour later not having completed your project.

       What did we do before we had these tools?  We didn't worry that we might miss something; our phones took messages (they still do) and the mailman came every day. In fact, priorities are often altered with it influx of time.  We didn't miss anything; we just couldn't answer immediately.

       Today's technology has made us all anxious and worried that we might miss something.  It has also tended to make us lazy in our communications, and out of touch with the people in our lives. Face to face interactions are always the best; our communication tools are getting rusty.

       Step back and take a breath.  If an email message is an emergency the sender can phone you with an alert. Text messages that don't involve your next appointment can be answered later. The world is not going to come to an end if you don't jump at every signal. 

       Create a habit of checking emails, texts and phone messages only once or twice a day.  Set up "auto replies" to let people know you will get back to them later. Carve out 5 to 10 minutes between appointments to catch up on anything urgent; the rest can wait until you have some free time. Let your friends and customers that you only answer your messages at specific times if their message is urgent they should call you.

       Your time is too valuable to let something, or someone else, control it.  Take charge of your time so you can be more productive and have plenty of time left over for your family and friends.

Shayna's Success Stories 

      Shayna's author DonnaUpshaw is available for custom cartooning and also has a line of wonderful note cards to bring smiles to your clients.. Click here to follow Shayna's Success Stories  from the beginning of her adventures.


   Left Stars  

Your Money - Your Life

Furlough vs Emergency Fund

       The current US "government shutdown" should be a good lesson on why you should have an emergency fund.  We all here this abig-bills-money.jpgdvice on a regular basis; but how many of us pay any attention.

       If you are one of the unfortunate who have been temporarily furloughed you are aware of the stress produced by not having dependable income.  The government says that these employees will get back pay for the time off, but what will they do on November 1 when their mortgages are due.

       The general recommendation for an emergency fund is that you put away six to eight months of living expenses.  This does seem like an overwhelming challenge, but if you do it a little at a time it can be done. Even if you can only put aside $25-50 per month (and leave it alone) you will have adequate funds before you know it.

       Wouldn't it make you more comfortable to know that if you are out of work for a short time, whether because of furlough, lay-off, or serious illness you don't have to panic about financial security?

 
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