JIm McCullen

2019 Year Ahead – Productivity and Digital Security Tips for the Year Ahead

Thought I would share a few tips with everyone that might help you to wrap up your digital world for 2018 and get prepared for 2019.

  • Clean out your photos from the past year, I am sure there are hundreds of shots that you really don’t need to save. This can be a fun process as it will help you to think back about everything that you experienced in the past year.
  • Make sure your photos are backed up, you don’t want to be thinking about this while looking at your phone in pieces or at the bottom of a lake. Do the same with any important files or documents. Think about the worst case scenario and plan for that. Someone breaks into your house and steals your laptop and your external USB drive, or worse your house burns down, are you prepared?
  • Clean up your systems. That could be email, folders on your computer, or your physical desk or space. Take some time to remove or at least reduce the clutter and make room for the year ahead. A great way to manage your digital folders is to create a folder for each year, this way you can start fresh each year, it also makes backups much faster.
  • Change your passwords. Now is a great time to go through and change passwords for at least high risks sites like banks, insurance, healthcare and shopping sites.
  • If you use the same password for more than one site, STOP DOING THAT!! If you use the same password on multiple sites and one of those sites is compromised, hackers will have access to any of your accounts where you used the same login ID and password. Check in with people you care about to make sure they are not using the same password for multiple sites.
  • Check your privacy settings on social media sites, especially Facebook. You don’t want to be sharing all of your personal information, thoughts, pictures and friends with the entire planet.
  • Watch your Credit Reports/Score. You can request a free credit report from each of the three main agencies once a year. Credit Karma is another free service that provides you with your credit score and also watches your credit reports. The link above is to a Forbes article explaining how they can offer this service for free. One more tip, you can contact each of the three credit agencies and put a freeze on your credit with a pin number. This will stop anyone from accessing your credit file without you first unlocking it.
  • What happens if you leave the planet tomorrow? Does someone else know how to access critical accounts you have setup? Do you have beneficiaries properly defined on insurance and other important financial accounts?
  • Start a Goals Journal – What do you want to accomplish this year? Write it down and then set a plan to achieve those goals, check back in regularly to see how you are doing. At the end of the year, take some time to reflect and document what happened over the past year in your journal.
  • Watch “It’s a Wonderful Life” and “Wonder” and then give some thought to what you could do in the next year to make a difference in the lives of those around you.

How productive are you? Complete this survey to find out today.

Hello Control Your Day Crew!
First off I am sorry it has been so long since I updated my blog, I have been busy with a few big projects. A number of you have asked if I am going to publish a new version of Control Your Day, I do have some great new ideas to share, I just have to get through a couple other projects and then I can work on CYD Version 2.0. Please drop me a line with any ideas or suggestions you have, if I include them in the next version I will be sure to give you credit and send you a free copy of the book.

I came across a great productivity questionnaire that you should definitely complete. Once done, the site will provide an analysis of your time management skills. You answer a series of questions, it only takes a few minutes, and they give you a page of feedback with your results and suggestions on how to improve.

https://www.activia.co.uk/time-management-test

I thought they nailed it with the following line about me.

Your answers indicate a highly significant pattern of good time management, with a little easily distracted, behavior.

Give it a shot.

Jim McCullen
www.controlyourday.net

Simple ways you can reduce your monthly expenses

Money Street sign

This blog post is a bit out of the norm for me but I thought it would be great to share these ideas with my audience. At the beginning of each year I go through all of my monthly expenses and check to see if there is any way I can reduce the cash that is flying out of my wallet. My intention is not to reduce the quality of the services, just reduce the costs. The link to the Samsung product is an affiliate link, the other links are just direct to the site.

 

  1. Home Security Services
    If you have your home protected by one of the major players like Vector or ADT, there is probably room to negotiate your rate down. There are many internet based providers offering services for as little as 10.00 a month. You can also purchase a product like the Samsung Smart Things Home Monitoring Kit ,this kit will allow you to monitor your home from your smart phone and even control lights and other devices. If you want to stay with a primary provider, I suggest you call them up and tell them you are shopping services and have found online services that are much cheaper than what they are charging. If you have been a customer for a long time use that to your advantage as well. I was a customer for 10 years and I had been paying a monthly maintenance fee of $6.00 that I never used. I was able to drop my payment from $90 a quarter to $57 just by asking for a better price and I removed the monthly maintenance fee.
  2. Credit Cards – Cash Back
    This suggestion comes first with a warning, if you struggle to pay off your credit cards each month, then skip over this one. If you do pay 100% of your credit card balance each month, then you should try to pay as much as possible with credit card to earn rewards. I find the cashback cards are the best. You earn anywhere between 1% and 6% back on your purchases and use you apply the rewards as a credit to your account. I have been using Chase Freedom for years, I usually get a credit of about $250 once every 3 to 4 months. I pay for everything I can on the card, food, gas, garbage collection, cell phone, cable, etc.. If the service provider will take credit card and not charge a fee, I do it. Chase Freedom selects a few premium categories each quarter where they will pay 5% back, the rest is usually 1% or 2%. I am moving from Chase to American Express Blue Cash Everyday card, they offer 3% back on groceries and 2% back on gas, my two biggest monthly expenses. Also if you are a senior and your card has an annual charge, you can ask if they will waive it for you.
  3. Pest Control Services
    My provider was coming in every two months and charging me $60.00. I contacted the office and was able to change to quarterly visit at a cost of $75 per visit, reducing my annual spend from $360 to $300. I will let you know if I start seeing any new bugs.
  4. XM Radio
    This one drives me completely insane. Each year I get a renewal invoice for $204.00 for the annual service for one car, my wife’s car. I have to call up and tell them I want to cancel my service, they then transfer me to the cancellations department. I explain that I just don’t see the value in paying $17 a month for this service. After a bit of back and forth they make me an offer of around $99.00 for the year.
  5. Home Warranty Service
    I used to think this was all just a scam, we have a 25 year old house and something always seems to be breaking down, especially the heat and A/C. I signed up with First American Home Warranty service 3 years ago. I pay $500 once a year and they cover a whole list of items in the house. You just pay a 75.00 service fee when you call for service. I used to get turkey sweats whenever the A/C or heat went out, assuming it was gong to cost me hundreds of dollars to fix, now its just $75 and the service provider resolves the problem.
  6. Insurance
    There are many services online that will review your insurance costs and provide quotes from other providers. I don’t have one that I can recommend but you can easily find them on the web. I have been with the same provider for 10 years, each year I go back and ask if there is someway he can save me a few dollars and he always finds something. This past year I let him know that my son’s car sits at the house most of the year while he is away at school, he lowered my payment by $200 a year. Life insurance is another one you should check every couple years. Especially if you are in your 40’s or 50’s. If you are in good health you might be able to get a new policy at a cheaper rate that carries you out more years. One note here, don’t cancel your existing policy until you have the new one in place. Again I don’t have any specific sites to recommend but you can find loads of them on the web.

Finally I am not an expert in any of these areas, I have no official training or certifications, I am just sharing with you my experiences. Please obtain professional advise if needed before making any decisions or changes. If you have suggestions to add, please comment on the post and feel free to share it with others on your social networks.

Jim McCullen
www.controlyourday.net

 

Article: 100 Life Hacks You Need To Read To Start Your 2016 Right

100 Life Hacks You Need To Read To Start Your 2016 Right

http://www.huffingtonpost.com/quora/100-life-hacks-you-need-t_b_8939902.html

Getting Things Done – A Primer

GTD is an organizational system. It doesn’t put rules around how you actually do your work. Instead, it focuses on how you capture the work you need to do, organize it, and choose what needs your attention. At its core, GTD stands on five “pillars,” or steps to getting and staying organized:

Learn more about the basics of David Allen’s Getting Things Done from this Lifehacker artice on GTD.

Jim McCullen / controlyouday.net

 

 

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