Author: Meredith Rines, MBA, CFP®

Meredith Rines, MBA, CFP®, a budget and financial strategist helping families pay off debt and live the life they've always wanted.

Time Management Tools: Pump Up Your Efficiency

time management

Today we are introducing the last post in the time management tools series.  You can probably tell from the title that we are going to work on amping up our efficiency levels.

You can read my previous post about time management here about getting yourself organized.  Now that you’ve set your priorities it’s time to amp up your efficiency.

One of the most important things to increasing your efficiency is knowing what you are good at.  Then doing something with the rest.   Delegate.  Delegate what you aren’t good at or do not have the skills for.

If you have a friend that is excellent at taking pictures then plan a day in the park so she can knock out your photos for you.  It might cost you a lunch for the favor, but she could get credit for the photos and you don’t have to suffer through them.  The one key part is that you have to be organized and know what pictures you want shot.

Fiverr is a great source for all things.  You can find someone to tweet your products to their followers, design a cover page images for your Facebook page, write a bio for you and all of these services are only $5.  Five bucks – that’s it.  It’s a pretty good deal if you ask me.  Do you not want to waste time in your down area?  Then search Fiverr and I bet you can find someone to do it for you.

Another great way to pump up your efficiency is to setup your workspace to work for you, not against you.  Know what type of environment you work best in. Quiet?  Soft music in the background?  Alone?  With others?  Then that’s what you should surround yourself with.  Have a clean space that you can spread out on.  Make sure you have all the tools you are going to need.  Being good at this point requires that you plan your day.  That’s where the last part in the series comes into play.  You have to be organized and know what you want to get done.

My favorite part of developing time management tools is by rewarding yourself when you save time.  Even it’s just a pat on the back or a piece of your favorite candy.  A little recognition goes a long way.  When you save yourself time you gain so much more.

Christmas Traditions, how to keep them alive

Christmas tradition and holiday traditions

Christmas traditions are something that I see being passed down from generation to generation.  At some point the story of why or how it got started gets blurred, but it’s all the same.  Because that is how we do it.

It’s no surprising that my family has changed some over the past year.  I’ve gotten married, which you can see the photos here.  J and I moved from the town that I had called the last 7 years home, which you can read about here.  And now we have two families that we would give anything to spend time with during the holidays.

Christmas Traditions Holiday Traditions
On top of all of my changes, my family has gone through some adjustments over the past few years.  My cousins have gotten married, had families, moved away to college, and even my sister has moved recently.  It’s getting harder and harder for all of us to be together for Thanksgiving and Christmas.

However, there are ways to keep them with me even when we aren’t all together.  Our Christmas traditions have become second nature to me.  Some of them I can’t imagine NOT doing during Christmas.  It would just be plain weird and wrong.  I mean really wrong.  But I realized that I have a husband and I’m sure not all of his Christmas traditions growing up were the same as mine.  And I’m sure that we will create our own traditions over the years.

But there are a few holiday traditions that I want to keep alive from my family.  Here are my favorites:

1) new set of PJs on Christmas Eve so we can wear them on Christmas morning
2) watching the new and old version of Miracle on 34th Street on Thanksgiving
3) filling our stockings with knick-knacks and favorite candies
4) mystery gift for one person each Christmas Eve
5) no bake, chocolate oatmeal with coconut cookies like my Grandma makes
6) Theme nights for Christmas Eve (as you can probably tell by the photo)

This year we spent Thanksgiving with my family and plan to spend Christmas with his.  So these little Christmas traditions is how I am going to keep my family close to me even though I can’t be with them.

Cheers!

O Christmas Tree

Christmas TreeIt’s a family tradition that the weekend following Thanksgiving that Mom and Dad break out the Christmas tree.  One of my favorite moments out of each year is when we get to decorate the tree, hang the ornaments and then stand back in awe of our creation.  Each year we choose a new theme for the tree, and then we go out to the stores to find the perfect ribbon or garland.
Christmas TreeThis year we chose bronze.  It’s not so much a theme like winter wonderland, but it’s still a theme nonetheless.  We found some pretty ribbon at Hobby Lobby and added that to our tree.  The best part is when we get to hang ornaments on the tree.  Hearing stories, laughing and spending time together is pretty special.  Plus, we have one ornament that is always put on last.  It’s a clip-on porcelain dove.  Mom says she bought it years ago when my Mom and Dad were first married at Dillard’s in St. Louis.  We’re not sure why we started hanging this one last or why the tradition has stuck around so long.  This year to ensure that I could be the one to hang it up, I noticed it in the box, grabbed it and then hid it from everyone else.  It may be a little childish to hide an ornament, but at the end of the day I am the one that gets to hang it!  It’s good being the awnry little sister sometimes.
Christmas TreeChristmas TreeChristmas TreeCan’t wait to celebrate Christmas this year!

Red Velvet Cookies Recipe

red velvet cookies recipeI stumbled upon this red velvet cookies recipe a few weeks ago.

  I ‘pinned’ it and then I could not stop thinking about it.  Red Velvet cake holds a special place in my heart.  It’s my family’s favorite and just so happens to be my favorite too.

I thought that it would be a great addition to our Thanksgiving Dinner and made a few adjustments to the original recipe to create my own.  It was a super easy cookie recipe to follow, which makes me want to jump and down for joy.

Ingredients:
6 T. butter, melted and then cooled
1 box of Red Velvet cake mix
2 eggs
1 t. cornstarch
3 / 4 c. powdered sugar

Steps for the Red Velvet Cookies Recipe:
Preheat your oven to 370 degrees.  Grease 2 cookie sheets or cover with parchment paper (which I find so much easier).  In a medium bowl, mix together cornstarch and powdered sugar.  Set aside.  Beat together eggs, cooled butter and cake mix until well combined.  Refrigerate for about 15-20 minutes so that the dough is easier to work with.  Roll dough into about 1-inch balls and dredge in the powdered sugar mixture.  Place on cookie sheet, about 2-inches apart.  Bake for 7-9 minutes.  Let cool completely and store in airtight container.
red velvet cookies recipeThese were delicious and a big hit at Thanksgiving!

Time Management Tools: Get Organized

time management
Welcome back to the time management tools series.  We are developing skills to become masters of our time.  So that we can do more, successfully.  We’ve talked about setting a value to your time so that you can do more in your day, which you can read about here.

If you have probably heard the next advice before, but it shouldn’t be taken lightly.  It’s the stepping stone to developing your time management tools.  Please do not skip this next step: set priorities.

If you do not know what task is the most important then you will waste your time.  As mentioned in our previous post – assign a value to each activity that you want to get done.  By establishing a value to each task then you know which one to tackle first and which one can wait.

When you have a full to-do list people tend to put their faces down and get to work.  Majority of people do not look up to see which tasks can be done quickly, which ones are more important.  So you have tendency to get side tracked by the minute stuff.

By taking a few minutes each day to evaluate your activities then you make a powerful to-do list.

By creating a to-do list you are making a map for your day that you can follow.  Try to pick at least three things that you want to get done each day.  Tackle them and then move on to the lesser important tasks.  If you try to spread yourself too thin with too many tasks then you won’t actually get anything fully completed.

Three tasks.  That’s manageable and not overwhelming.  If you would like to read the first post in our series, take a look at it here.

You have a nice face :: New Headshots

headshotsWhen I was home over Thanksgiving I had my sister follow me around with my camera to take a few new headshots.  My parents’ neighbors probably thought we were crazy.  J and my sister’s boyfriend made fun of our poses.   Also, it was pretty cold outside so it made even harder to concentrate.  In the end I got quite a few good shoots and have used them endlessly already.

headshots

I’ve never had real headshots taken before and am pretty excited to finally have some.  Here is a sneak peek at my favorites, even if some aren’t “headshot” material but just me being myself.
headshots

Grow Your Blog Link Up

I have had a great opportunity to join with Toni over at One Chocolate Box to take part of a new(ish) link up. I am super pumped because this is my first link up that I’ve even been apart of.


Welcome to the Grow Your Blog Link Up!

It’s a link up specifically for new bloggers (those with less than 500 followers per social medium are welcome too). It’s also a chance to meet other new bloggers, and hopefully build networks and friendships.

There are no fees for co-hosting. Just email me at onechocolatebox@gmail.com if you’re interested.

Link ups start every Wednesday at 3pm NZDT (that’s Tuesday 6pm PST and Wednesday 1pm AEDT if that helps).

Each week, one participant will be randomly selected, and gets featured on the following week’s blog hop. More free exposure!

There’ll also be a giveaway from time to time, so make sure to check back each week.


1. You don’t have to, but I’d appreciate it if you could follow One Chocolate Box.

2. Follow the co-hosts! Let them know you’re following from the Link Up, so they can follow you back.

3. Link up in the appropriate section using your blog URL or profile URL. Remember you can only link up in the section if you have less than 500 followers in it.

4. Visit and follow at least 1 other blogger. Let them know what you like about their blog.

5. Return the love, follow your new followers!

6. It would be super if you shared the Link Up via Facebook or Twitter. The more people join up, the more potential followers you can get.



7. I’d love you forever if you grabbed the button below and place it on your sidebar!




A big welcome to my lovely co-hosts this week:
Meredith at MereLynne


Lindsay at Wedding Rings to Teething Rings
Thanks so much for co-hosting ladies!


This week’s feature is Mary at The Clarity Chase

The Clarity Chase

Make sure you go say hi, and check out this post of hers. A little heartbreaking, but great insight!

And without further ado… link up, link up!

Makeup Free

MakeUp Free

I’ve started a new trend: I am going makeup free on a daily basis.

 Now hear me out before you gasp in disgust.  I love makeup, I always have.  I remember the first time I put on eyeliner was in the 7th grade and I fell in love with the smokey eye before it was even cool.  Then I saw some school photos of my perfect smokey eye and realized that I didn’t quite have it down yet.  But hey!  We all go through those phases.  Like the phase of wearing a t-shirt with a white lion on it back in high school.  I wore that shirt all the time and thought it was the greatest.  I think I was way ahead of the times because that shirt would total rock in today’s world, but back in 2002 it didn’t.

Anyway I am digressing.  I’ve stopped wearing makeup.  I am not one of those health nuts that thinks it’s better for my skin because honestly I haven’t noticed a difference in my skin texture at all.  I don’t think the make-up is horrible and am throwing a protest against the beauty industry because that would just be cruel!
make-up free feels good
Honestly, it’s because I am lazy. Yep, I said it.  I am going makeup free because I am lazy!  I like to sleep in late, too late most mornings.  Plus I work in an office by myself.  Tell me how much motivation you would have to dress to the nines when you sit in a chair in a brightly painted yellow room with no one to talk to.  You wouldn’t or at least the majority of you wouldn’t.

I do like to get dolled up for date nights with J or when we are going out with friends.  But for a day-to-day basis my make-up sits in its little bag on the bathroom counter.  I’m sure the eyelash curler and foundation brush are pretty lonely, but at least they have each other.  Perhaps one day I will snap out of this phase and realize that I should be wearing makeup so that I do not scare small children, but that day hasn’t come.  OR perhaps I am just getting more comfortable in my own bare skin and this phase is here to stay.

Only time will tell.

Time Management Tools: So You Can Do More

time managementDeveloping time management tools are key in your professional life, personal life, and just to keep your sanity in the crazy of it all.

Almost everyone has felt at some point that there wasn’t enough time to get it all done.  If only you could have just 2 more hours in your day.  You could get your to-do list done, have more time to spend with family, cook more homemade meals, and sleep the recommended eight hours a night.

However learning time management tools will help you achieve more in just 24 hours. The first thing you have to do is give your time a monetary value.  They say time is priceless, invaluable if you will.  But if you do not know how much your time is worth then it is easy to let the unimportant tasks consume your day.  The value can be whatever you want or feel is appropriate.  For me, my day job bills my time out at $100 per hour.  Now that might be way too much for my personal time, but that’s what I am use to so that is what I use.

After you have valued your time then decide how much you are willing to “pay” for each activity that you want to do.  Is hand wrapping Christmas gifts worth an hour of your time over putting everything in a bag with tissue or paying someone $5 to wrap the gift for you.  Now do not get me wrong, I love living a frugal life.  I like to save my money and spend it wisely.  However, the time I could be wrapping gifts is time I could be spending writing a freelance article that will pay me money.  That’s how you have to look at your time.

I tend to work on merelynne.com during the evenings, after J has gone to bed and it’s just me with the two pups sitting downstairs.  For me that time of day is my discounted rate.  I can’t do too many other activities at 10pm.  J is in bed, most businesses are closed, and my friends are at home with their families.  Therefore, it’s perfect to spend an hour or two pouring over articles to learn how to grow my little blog.

Next, I work a day job from 8-5 so that time is pretty valuable.  Because if I am taking off work to do something else than I am missing out on my pay.  This activity that requires to be done between 8-5 better be worth it.  It takes a lot for me to miss out on actual money.

Finally, early mornings are the worst for me.  I am not a morning person. At. All.  I despise the mornings.  I mean the idea of getting up to go to the gym early in the morning is similar to going to get a root canal.  It’s just not worth it.  That means that if I am having to get up before the sun rise then it better be one of the most important tasks.

Driving to see my family is one thing I will get up early for.  Taking the dogs to vet.  Spending time with J.  You may notice a trend here.  Morning tasks are usually strictly saved for family.

Time management tools are important to have.  When you value your time and then value your tasks you will see what is important and what can be done at another time.  Next up on the time management series we are going to talk about getting organized.  If you’re just joining in on the time management tools series then you can read the first post here to learn all about it.

10 Things I Learned From My Parents and That I Will Pass On

ImageChef Word Mosaic - ImageChef.com

It’s not news that I am in awe of how great my parents are.  When it came to the parent pool, I hit the jackpot.  My parents were always there for me, my sister, and what’s surprising, my best friends.  There is nothing my folks wouldn’t do for their daughter and the ones we love.

J and I are not planning on having children anytime soon.  We would like to be married for a few years so we can really get to know each other and our quirks.  I want to make sure that when the time comes for our children to be grown and gone, J and I are still madly in love.

But after planning a wedding together with the help of family, I started wondering what lessons I would like to pass on to my kids.  My parents instilled a lot in me over the past twenty something years.

It’s hard to pick out just 10 things I learned from my parents, but these were the ones that stood out.

1)be independent and self-sufficient
2) work hard, play hard
3) be dependable
4) tell your kids stories and let them tell you some too
5) be open with one another
6) it’s okay to let people go
7) there will only be few people that travel through each life stage, cherish those friends
8) learn how to budget and save money
9) live a little
10) be the house with the best snacks so kids want to hang out there

My parents are pretty amazing. I pray that I will be half the parent they are to me because if I am, then I know my kids will be successful in their personal life, career,and emotionally.

Cheers!