Would you love to have more time to do what your heart desires?  Do you know what your heart desires?  Has it been decades since you focused on yourself?  Does everyone else get more of your time and money than you do?  If you honestly answered these questions you might have responded with at least one “No” and hopefully it wasn’t in response to the second question.  If it was, hope is on the way.  Every one of these questions is centered on you.  What do you do to take care of yourself? Why should you feel guilty spending time alone?  It is in your time alone, without stress, that you discover what you enjoy. 

How you use your time matters more to your budget than you might imagine.  If you aren’t happy at work:  switch-it-up by using your time wisely to learn a new skill, or, start assuming responsibilities from a co-worker.  You might think, “Why would I want to take on someone’s work load, especially from a lazy co-worker?”   The answer is for self-gain.  First, you gain personal knowledge about something new, second you can gain the respect of your boss, third you gain pride from a job well done, fourth you gain personal happiness, and fifth you gain self-love as you discover how capable you are.  

Do you cringe at the word budget?   Is it out-of-fear of seeing how little you might have in-the-way-of time or money, or, that you might see you are wasteful?  Perhaps you will see how much you have, and, you will feel guilt and sorrow for the less fortunate.  Do some have less because they use their time less wisely?  The nitty-gritty details should be observed in all aspects of your life.  Don’t count on someone else to plan nor provide for you.  How you spend your time has more to do with your success, happiness, and love in life than you might imagine.  Busy work keeps you from realizing how much you lose, and, it also can keep you from gaining more in life.  Be mindful of your time. 

I challenge you to first start budgeting your time to your physical tasks in your work routine, then, give it a whirl in your leisure time.  Once you see how you can use extra time to learn something to help you prosper, I challenge you to understand your financial picture to get out of debt and plan for that sunny day!