Time is definitely not on my side.  I try to beat the clock everyday. Sometimes, I win and sometimes I lose. I used beat myself up if I did not get all the things done on my to do list finished.  Now I am lucky if I can find my to do list.  My weekends seem to fly by, so I have to use my breaks at work and lunch time.  Multitasking s now my middle name.  Here are some ways I use to beat the clock.

1. I call my cell phone and leave myself messages on what  I have to do.  I just listen to the voice mail. 

2. I keep envelopes and extra paper and stamps at my desk for quick mailings.  I also keep an calendar at my desk of my daily routine.

3.  My bag is always packed the night before, so I wont forget anything.

4.  I have a specific day of the week for certain tasks.  Monday(phone calls) Tuesday(mail and mailings) Wednesday(Coupon clipping /Shopping) Thursday(My side business) Friday( House business)  Saturday(I write several different Logs) Sunday (prepare for the next week, look at weekly store ads)

5. I use the free bill pay from my bank.  It saves a lot of time and money.

6. For bills that require a check, I send money orders.  49 cents and I don't have to check to see if the a check has cleared.

7. I usually have mailing labels for my mail.  I will usually stick them to envelopes on one of my breaks at work.  Since most of my bills come with a payment slip and envelope, there is nothing to write out.   I will also print out mailing labels for mail that I use monthly.   Some printing companies will print these for your for the same amount as a regular  copy.   Savings on ink and labels.

8. My grocery store has money orders, ATM, Red box movies, and mini post office.   I use all there services that are afforded to me. One stop shopping.

9. In one of my earlier tips, On Sundays, I will usually get the email  ads for the stores that I frequent to cut down on paper.  I then check to see if there are coupons that I need.

10.If things get to hectic, I trade off with friends.   I will barter for services that I cannot complete or needs adjustments.   You will be surprised what you can get, by just asking.

Being frugal, doesn't always mean money savings.    I try to save myself at least an hour a week just for myself.   It might not seem like a lot to some people, but to me it is like heaven.  It's about time. 

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