We are enrolled in Dave Ramsey's Financial Peace University
and we're learning a lot about financial management. Next I need to take a time
management course.
I could learn how to budget my time. I'd write down how
many hours I have and all the things I need to do and allocate time for all
those things. It would be a zero based budget so that every one of my hours had
a name on it and there were none left over.
I would remember all the major
categories--working, cooking, Crosswalk, shopping, family time, spouse time,
time with God (preferably a tenth of my hours) and then a set amount just to
blow on whatever I wanted to do with it.
I would remember to save 10-15% of
my time in a savings account at a Time Bank that paid good interest. By the time
I retire, I'll have enough hours in the bank and be making enough interest I can
live on the interest and never use up my principle. I can live as long as I want
to, playing with my grandchildren and great grandchildren and great great
great....etc. etc. etc. etc. grandchildren.
I would avoid time debt. While
it may be tempting to get a time credit card, it would be disastarous in the
long run. Now it would be tempting to swipe the card now and then when my day
runs out before I run out of things to do and borrow a couple of hours now and
then, but I make it a habit I could find that the interest literally would send
me to an early grave. Who knows how many years you would cut off your life just
by borrowing hours now at 18% interest?
I would save some of the hours in a
college fund for my kids. They will come in handy for them when they need extra
study time. If they write home and ask me to send them 20 hours, because they
spent them all on dates or at the movies, I will have the resources to do so.
I think time management would be a great thing.
No comments:
Post a Comment