When that alarm sounds and you're all cozy in bed, slapping the snooze button seems like the only reasonable thing to do. But before you doze off for the third time in a row, consider all you can do if you woke up–not only on time, but one hour before you normally do. You could get more done, feel and look better, and lessen your day-to-day stress and anxiety.
As per Elite Daily, "Studies show people who get up early are generally happier than their late-sleeping counterparts." And Business Insider adds, "(Early risers) say they feel healthier than their friends who prefer the night life."
Here are 10 things you can achieve by waking up one hour earlier. Just be sure to hit the sack at a reasonable hour to assure adequate sleep, and tomorrow will be the start of a new you.
No more excuses for not having enough time in the day for working out. Rise and shine and get moving right away. You will feel proud that you're working on your fitness, and the energizing boost will keep you in the zone all day. As per Huffington Post, "Working out boosts endorphins and other mood-elevating substances that can help lift your spirits as you take on the day. Morning workouts result in better energy levels throughout the day and give you more mental alertness and sharpness." Once you start seeing results, you'll appreciate your early wake-up call.
Why wait until you get to the office to check your email? It will interfere with other pressing tasks at hand and you may wind up rushing through them – missing vital info and perhaps replying without having a chance to reflect on your responses before hitting "send." Wake up and review your email carefully, weeding out the junk and thinking out your replies. Even if you don't have a chance to respond immediately, at least you know what's lurking in your inbox, so you can organize your thoughts and prioritize.
Prep Healthy Food
When we're in a rush, healthful eating can go out the window. It's much faster to whiz through the drive thru than to fix our own meal at home. But with a whole hour free for culinary adventures, you can prepare healthy meals for the full day. Go ahead and chop a fresh salad for lunch and get some chicken or salmon marinating for grilling come dinnertime. Cut up veggies and portion out nuts and dried fruit for snacking throughout the day. Whip up a protein-packed smoothie for a go-to drink that's filling and good for you. Your healthy eating will not only do your body a service, but you'll have the fuel you'll need to conquer your day. For some menu inspiration, check out PayPath's A – Z guide to mind-boosting foods.
Catch Up on News
There are times, especially in the current climate, when we want to avoid the news altogether, but staying up-to-date with what is going on in the world is important. You want to be in-the-know of worldwide and local happenings, so you are aware of and engaged with the status quo. Aside from gaining knowledge and perspective, you will be better equipped to participate in meaningful discussions with co-workers and friends. Read the paper, tune into the morning news, pop on the radio, or search online for the latest coverage.
Get to Work on Time
Showing up late to work is not only irresponsible, but it causes undo stress and an air of chaos. Wake up earlier and you'll have plenty of time to get things done before heading out of the house, allowing you to leave yourself ample time to account for any heavy traffic or other commuter issues. You may even arrive early, providing quiet time to get your day in order and to settle in without disruption. Plus, if you get in early, your boss may allow you to head home early too.
Have Some Alone Time
We can all benefit from some time to ourselves. "Me time" is recharging and a great way to reflect on ourselves and those we interact with. If you have kids, be sure to rise while they are still sound asleep or else you alone time is sure to go out the window. During this peaceful time, consider meditating, going outside to watch the sunrise, or simply enjoy a hot cup of coffee or tea. Entrepreneur suggests keeping a journal. "Journaling helps process previous events, clarify thinking, understand life's context, notice feelings, record significant lessons and ask important questions."
Do Household Chores
After a long day at work, the last thing anyone feels like doing is tending to the household chores. Loading laundry, vacuuming, and washing the dishes are not exactly welcome home gifts. If you wake up earlier, you can get these nuisances out of the way and they'll be off your mind. Not to mention, coming home to a spic and span house is a pleasant way to end the workday.
Eat a Wholesome Breakfast
With an entire hour free, sitting down to a healthy breakfast sounds tempting. No more sticky granola bars or fattening muffins for you. Now you can not only eat healthier, but actually have the time to enjoy a decent meal. Consider a protein-packed omelet, slow-cooker oats, whole wheat pancakes, or a fresh fruit salad topped with seeds and nuts. If you aren't quite ready to eat so early, you can prep an on-the-go breakfast to take to work. These three easy-to-make recipes will have your mouth watering.
Read a Book
You've been itching to get back to reading but can't seem to find the time. Your friends are all discussing their latest read, but all you've had time for was the blurbs on the back of the cereal box. Not anymore. Wake up an hour earlier and have time for that page-turner you've been hearing about. And you don't even have to get out of bed. Keep your book on your nightstand and read until it's time to get up.
Plan Your Day
Waking up in a frazzle is no way to begin a productive day. Give yourself a full hour to plan your day from morning 'till night. Make a calendar of events, set reminders for meetings and appointments, and be sure to schedule family and social activities too. Keep your planner on your smartphone or on paper -whatever works best for you. You won't forget important to-dos and you'll be able to set up the day, so you are able to accomplish everything you wanted to.
What is Robinhood?
The Robinhood app debuted in 2013 as a first-of-its-kind revolutionizing free investment platform. Much like the 700-year-old story of the hero to the people, Robin Hood, FinTech entrepreneurs Vladimir Tenev and Baiju Bhatt created the platform in order to make stock trading easily accessible to the general public and not just the wealthy.
The National Financial Educators Council (NFEC) surveyed young adults in 2017 and asked them what high school level course would benefit their lives the most.
The majority responded that money management was the course that would be most beneficial.
With personal debt is at its highest record and COVID-19 threatening to have the hardest economic effects on youth, understanding money and finances is an important life lesson that should be taught to children at a young age.
The following is a list of the best financial literacy lessons and tips to teach children throughout different life stages.
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.