Making a schedule is easy. Sticking to it is what often doesn't stick. Things come up, distractions derail you, and there's always that pesky procrastination that can turn a well-meaning planned out day into a free for all.

Creating and sticking to a schedule can not only make you feel less stressed, but you'll have the capacity to get more done with your precious time. As per The Order Expert, "Keeping to your schedule is all about maintaining balance." Be mindful of what you have to do and what you want to do, and do your best to include all you can in your schedule with realistic expectations.

There is only so much time in the day, so space out your to-dos with a little wiggle room, and don't try to cram everything in to one day. Just because there are many tasks on your schedule doesn't mean you'll be able to complete them successfully if you overload yourself. Once you "maintain balance," you'll get better and better at planning and sticking to your schedule. Here are some tips to help you abide by your schedule and get all your tasks and goals accomplished by bedtime.

1. Schedule Everything in One Place

You will have the best luck sticking to your schedule if you actually know what's on it. If you post a reminder in your smartphone, jot a meeting time onto your wall calendar, and leave a sticky note on the side of your computer, you'll have a hard time knowing what's what and when to do it.

As per Entrepreneur, "Not only will it save time to only have to check one calendar but it will also help ensure that you are not double booking or missing any meetings." And be sure you include both work-related and personal business in the same place, to be sure your professional plans jive with what you've got going on during your free time.

It doesn't matter if you prefer an old fashioned Rolodex, to store your plans in the cloud, or you like using apps. Just find one secure scheduling spot and stick with it.

2. Think Outside the 9 to 5

If you find yourself overbooked during the work day, don't limit your scheduling hours to the "conventional" ones. If you're an early bird, for example, plan some of your activities as soon as you wake up. If you are already up and at 'em, you'll be the type to see what's planned and get right on it.

Of course you won't be able to plan meetings with co-workers during these off-hours, but this extra time is ideal for working on a personal project, fitting in exercise, or studying for your Master's. You will free up more of the workday hours for your meetings, emailing, and other job-related functions.

You'll get a lot more done with your day, and you'll look forward to following your schedule again in order to keep the momentum going in the future.

3. Review the Night Before

Just like you did back in school to prep for an exam, review your schedule the night before to get your head in the game before the bustle of the next day begins. As The Order Expert notes, "This is a great way to gently introduce your schedule into your subconscious. When you review your schedule again in the morning, your appointments will seem very familiar and manageable."

Reviewing beforehand will also allow you to work out the kinks and decide if what you've got scheduled is a realistic workload and if each task is slotted in for the best time for what you need to do in order to complete it.

4. Learn to Say "No"

A major reason lots of people cannot stick to their schedule is because they fall victim to interrupters and interruptions that cause them to break from their plans. Sometimes there's simply no way around it, but in other cases, people just don't want to say "no."

If you don't feel like your attendance in a meeting is beneficial, opt out. You don't have to answer every email as it pops into your inbox. You don't have to break for an hour lunch with co-workers if you'd prefer to eat quickly at your desk. You don't have to go for drinks with friends after work if it will cut into a pre-planned activity. All the little interferences and disturbances add up and you won't get the time back. It's OK to say no if you feel it's appropriate and won't compromise your job or your personal life.

Just remember, if you do get pulled away from your schedule, don't give up if things fall off track. Get to your next assignment or finish off the job you were doing. Reorganize a bit and you will make it through. And with a schedule laid out in an organized fashion, you will be able to assess what's most important in order to revise wisely.

Are you scheduling and need to find a way to get more done with your time? Check PayPath's 7 ways to do more in less time.

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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