This topic may not directly bear on debt repayment, but is top of my mind as we move into a new month.  For one thing, I have a number of goals that I would like to accomplish in the short to medium term that I’m having trouble concentrating on because I feel like there is too much going on in my life.  Each of these will impact our ability to pay off debts more quickly and efficiently due to increasing my short-term income, or my long-term value to my current company.

Currently, the goals are as follows (in no particular order):

  • Get at least two clients for private law firm (this is going to be my primary side hustle.  With what I’m doing outside my day job, at two clients per month, I’m figuring on profits of $2,000 per month, which if I do that all year gives me about $12,000 less taxes to throw at debt).
  • Increase blog readership / Figure out how to monetize blog
  • Get to the gym regularly / lose 20 pounds (ok, not strictly financial related, but when I exercise I feel more mentally together, which can only help)
  • Take UBE to gain licenses in other Western US states
  • Increase knowledge of certain areas of law to increase my value at work.

All these goals have been brewing for several months, but between surgeries and just daily life, I’ve allowed myself to get overwhelmed, and effectively lose sight of what needs doing on a daily basis.  So, to that end, I’m embarking on a new habit-building plan.  My one and only goal is to develop a schedule and stick to it for the next couple of weeks, which will set aside time for each of above smaller goals.  If I don’t actually achieve any of these small goals over the next two weeks, that’s fine, as long as I make strides towards sticking to the schedule.

The schedule for weekdays will be roughly as follows:

  • 5:00 am – leave the bed.  I tend to lie in bed reading, and then never get up.  I want to use this time to meditate, practice focusing techniques, do yoga, or anything else that will engage my mind and get me ready to start the day.
  • 5:30 am – start getting ready for work.  It takes about an hour to shower, get ready, make sure have lunch and workout clothes packed, etc.
  • 6:30 am – leave for work.
  • 7:15 am – start work (could be as early as 7:00 or before, just depends on traffic)
  • 4:00 pm – leave work
  • 4:45 pm – enter gym (could be as late as 5:00 pm or 5:15 pm – depends on traffic)
  • 5:30 – 5:45 pm – leave gym.  get home around 6:00 pm or 6:15 pm
  • 6:15 – 7:15 pm – dinner
  • 7:30 pm – study for UBE for one hour
  • 8:30 pm – work on blog/getting new clients for half an hour
  • 9:00 pm – unwind/get ready for bed
  • 9:30 pm – in bed, ready to sleep, all technology off.  Gives me 7.5 hours to sleep each weeknight.

Weekends will be a little more open-ended.  I’ve also started carrying around my notebook again, that really helped me stay organized and on time.  Will update next week with how it’s going!