Hits: 1

Personal finance has to do with managing your money, saving, and investing. It involves creating a budget, managing your bank accounts, understanding insurance, dealing with mortgages, making investments, managing your estate, handling taxes, and planning for retirement

Improving your personal finance and management skills is crucial for achieving financial stability and reaching your financial goals. It’s a journey that empowers you to take control of your financial destiny and build a secure future.

Here are 5 best strategies to help you in improving your personal finances:

1. Creating an Effective Budget

Understanding the importance of budgeting

Budgeting is like creating a plan for your money. Imagine it as a roadmap that helps you know where your money is going and where it’s coming from. You see when you budget, you’re taking control of your personal finances, and it is very important. It’s like giving your money a purpose and telling it what to do. Plus, budgeting helps you avoid spending more than you have, which is a big win for your financial goals. So, by understanding the importance of budgeting, you have equipped yourself with the power to manage your finances. It will also help you to reach your dreams.

How to create a detailed budget (steps)

Creating a detailed budget to improve your personal finances is very easy. In fact, it is easier than you might think. First, gather all the info about your income such as your salary, plus any extra cash you get. Then, list down all your expenses, everything from bills to groceries. You may put them in categories to make it clear.

Next, subtract your total proposed expenses from your income. If you have more left after these expenses, that would be nice. You can save or spend it wisely. But, if it’s less, you might need to adjust your spending. And don’t forget, to always review and update your budget to stay on track and keep improving your personal finances.

2. Using Smart Debt Management To Improve Your Personal Finances

Differentiating between good and bad debt

To improve your personal finances, it’s important to understand the difference between good and bad debt. Good debts are like investments into one’s future, such as student loans or a mortgage, where you gain value over time. On the other hand, bad debt is money you borrow for things that will lose value quickly. An example is a high-interest credit card debt. So, making smart choices between these types of debt can help to improve your financial well-being.

Strategies to pay off high-interest debt

There are two effective strategies to tackle high-interest debt and which thereafter will improve your personal finances. First is the snowball method, here you pay off smaller debts first, gaining momentum. Next, is the avalanche method which focuses on higher-interest debts to save money in the long term. These approaches can help you gain control and become debt-free in good time.

Consolidation and refinancing options

Another financial management skill that can help to improve your personal finances is consolidation and refinancing. Consolidation combines many debts into one, resulting in a simplified payment. Refinancing on the other side involves replacing high-interest loans with lower-interest ones, which reduces overall costs. These methods will streamline debt and save you some money in the long run.

Building a plan to reduce and cut debt

Building a plan is essential to reduce and cut debt. Try to set clear goals and create a step-by-step strategy. Make sure you prioritize payments. Cut unnecessary expenses, and allocate more funds toward debt repayment. This approach will help speed up your journey to becoming debt-free, improving your personal finances.

Avoiding common debt pitfalls

To improve your personal finances, it’s also important to practice smart debt management that involves avoiding common debt pitfalls. You must be mindful of impulsive spending and understand the impact of high-interest debt. Try to give yourself time to make good decisions before buying anything that comes your way. You must also focus on needs over wants and practice budget discipline. This is crucial to sidestepping debt pitfalls and building a stronger financial future.

3. Building a Strong Savings Plan Will Improve Your Personal Finance A Great Deal

Importance of emergency funds and savings goals

Recognizing the importance of emergency funds and savings goals is crucial if you are working on improving your personal finances. Emergency funds act as a safety net, providing financial security during unexpected situations.

Establishing an emergency fund involves setting aside money regularly. This will help you prepare for unexpected situations, like sudden medical bills, car repairs, or job loss. To improve your personal finances, establishing an emergency fund is essential. It’s like creating a financial safety cushion.

By prioritizing this fund, you’re building a strong financial backup that brings peace of mind and safeguards you from financial challenges

Savings goals give your money purpose, motivating you to achieve milestones like buying a car or going on a vacation.

Both practices will improve your financial strength and help you manage unexpected expenses without breaking.

Strategies to save for short-term and long-term goals

There are effective strategies to save for both short-term and long-term goals and improve your personal finances.

First, for short-term goals like a vacation, set up a separate savings account and automate contributions.

Secondly, for long-term goals like retirement, consider investing in accounts that grow your money over time.

1. Automating savings contributions
2. Investment options for growing your savings

Automating savings contributions: This is like putting your savings on autopilot. Once you set it up with your bank, a certain amount of money is automatically transferred from your checking account to your savings account regularly, say every month. It’s a hassle-free way to save without even thinking about it. This consistent approach helps you to gradually build up your savings and achieve your financial goals with ease.

Investment options for growing your savings: There are various investment options available to improve your personal finances by growing your savings. One of these is the stock market, where you can invest in companies and potentially benefit from their growth. Another option is the bonds, which involve lending money to companies or governments and earning interest in return. While these opportunities can help increase your savings, it’s important to bear in mind that they also come with risks. So conducting thorough research and making informed decisions is advised.

By using these strategies, you’re ensuring financial progress for both your immediate desires and future security.

4. Investment Basics and Strategies

Understanding different investment vehicles

To understand this heading, let’s imagine investment vehicles as different ways to grow your money. They can be likened to different types of cars, with each having its own its own features. Take an instance of stocks which are the fast cars – they can give big returns but can also be risky. Bonds in another vein are more like steady sedans – they are safer but with lower returns. Another instance of an investment vehicle is Real estate, which involves buying a house that can increase in value.

Setting investment goals and risk tolerance

In a simple explanation, think of investment goals like destinations on a map – they represent where you want your money to go. This may just be buying a house, retiring comfortably, or even going on a dream vacation.

Now, risk tolerance is like your comfort level with adventures. Some people like roller coasters, while others may prefer gentle rides. This is exactly the same with investments. While some are exciting but risky investments, others are calmer but steadier. So, knowing where you want to go and how much risk you will be comfortable with, can help you make informed decisions about a prospective investment and can help improve your personal finances.

Creating a diversified investment portfolio is another way of improving your personal finances

Imagine your investment portfolio as a mix of different things, like a collection of toys. Just like you wouldn’t put all your toys in one basket, similar way you don’t want to put all your money in one investment.

This way, if any one of the toys breaks, you still have others to play with. In investments, it’s similar. You spread your money across different items, like stocks, bonds, and maybe real estate. If one goes down, the others might go up, and that can help keep your entire portfolio safer.

So, creating a diversified investment portfolio is very important and can help in improving the personal finances of a person.

Long-term vs. short-term investment strategies

Long-term investment strategies involve putting your money into assets with the intention of holding onto them for an extended period, usually several years or more. The goal is to enjoy the potential growth and compounding effects over time. These strategies often involve a lower level of risk compared to short-term approaches.

Short-term investment strategies on the other hand involve placing your money into assets with the aim of capitalizing on quick returns over a relatively brief period, usually less than a year. These strategies often come with higher risk probably due to the potential for market volatility in the short term.

Now, your choice of a given investment strategy may depend on how much risk you’re comfortable with or how long you’re willing to wait to reap from your investment. Always remember that every investment has its peaks and lows. So stay informed, and learn about investment basics, before adopting the right strategy. These will help you to improve your personal finances.

5. Financial Literacy and Education

Learning key financial terms and concepts

Financial literacy and education, like a guiding compass, are essential for improving your personal finance and management skills. You can see this as learning the language of money; it helps you understand key concepts, like budgeting, saving, credit score, and investing. You can rely on financial literacy and education to make smart choices as regards spending, saving, and investing. They provide you with the right tools and strategies to make informed decisions about your money.

Exploring resources for financial education

To transition from your present status to being financially savvy, you’ll need a few resources for financial education to guide you. Fortunately, there’s a wealth of resources out there, from books and websites to courses and workshops, etc., waiting for you to discover.

You may start with your local library, where books are like the first hints. Online resources and courses from reputable websites are the next clues. Here, you will get the opportunity to watch educational videos and read related articles. Don’t forget to seek counsel from financial advisors; who are like experienced guides on your treasure hunt.

By systematically exploring these resources, you are already equipping yourself with financial tools that will help to improve your personal finance and management skills.

Gaining confidence in managing your finances

As you acquire financial knowledge and apply it to your financial decisions, you gradually transition from uncertainty to assurance. It’s similar to how a novice becomes a proficient artisan through practice and dedication.

This confidence empowers you to make informed choices and navigate through financial hitches. More so, it will help you work toward your long-term goals with poise and professionalism. So, with continuous learning and practice, you can confidently master the art of managing your finances.

Improve your Personal Finance by staying updated on financial trends and news

This journey has to do with regularly consuming financial news, reports, analysis, and lots more. Immerse yourself in these resources, and your financial literacy and education will expand. This will then allow you to make informed decisions based on current developments.

With each update, you’re effectively investing in your financial future, equipping yourself with the knowledge and insights necessary to navigate the evolving world of finance professionally and effectively.

How To Improve Your Personal Finance And Management Skill: Final Words (Take Action!)

These tips/strategies discussed above will surely help you in this quest to improve your personal finances. By embracing this journey with dedication and commitment, you will not just be improving your personal finance and management skills, you’re also laying the foundation for a more stable, prosperous, and financially empowered life.

Note that there are loads of other strategies that can still help you in improving your personal finances. So, keep striving, keep learning, and watch your financial horizon expand with confidence and competence.

How To Improve Your Personal Finances: Frequently Asked Questions (FAQ)

Here are some frequently asked questions on how To Improve Your Personal Finances:

What are some practical steps I can take to improve my personal finance and management skills?

To improve your personal finance and management skills, start by creating a budget, tracking your expenses, and setting clear financial goals. Also, learn to save, and always set aside some money for emergency funds. Don’t forget to make a few investments. To cap it up, learn and try to stay updated.

How can I create a budget that allows me to save money and achieve my financial goals?

Creating a budget involves listing your income, categorizing expenses, and allocating money for savings and necessities. Stick to your budget to save and reach your financial goals.

Are there any recommended resources or tools to help me track and manage my expenses effectively?

Many apps and online tools can help you track and manage expenses. Popular options include Mint, YNAB, and Personal Capital.

What strategies can I put in place to reduce debt and increase my overall personal finance?

Reducing debt involves paying off high-interest loans and credit cards first. Make a plan to consistently pay more than the least due on your debts.

How important is it to invest in my financial education and what are some ways I can continue learning about personal finance and management?

Investing in your financial education is crucial. You can read books, take online courses, or attend workshops to continue learning about personal finance and management. Stay informed to make better financial decisions.

More Read!

1. 5 Best Online Learning Platforms
2. 6 Effective Ways To Better Time Management
3. How To Minimize Your Phone Addiction

Hits: 1

With so many online learning platforms available today, it can be challenging to find the right one that meets your needs. But one platform that stands out from the rest is SkillShare. In this article, we will explore why SkillShare should be your number-one choice when it comes to online learning.

We will also provide you with an overview of 4 other top learning platforms that made it to the list of our 5 Best online learning platforms.

1. SKILLSHARE ONLINE LEARNING PLATFORM (The Best)

What Is SkillShare?

SkillShare is an online learning platform that offers over 30,000 courses in various categories. These include design, business, technology, photography, and more. The platform was founded in 2010 by Michael Karnjanaprakorn and Malcolm Ong. It has since grown to become one of the most popular online learning platforms worldwide.

Skillshare is an awesome online community for people who want to learn new skills and expand their knowledge. It provides you access to a wide variety of educational videos on topics such as creative arts, design, entrepreneurship, lifestyle, and technology. In this platform, you get to learn by completing projects, and not by sitting through boring lectures! Although the courses on Skillshare are not accredited, the interactive learning experience is well worth it.

Key Features Of SkillShare

There are several reasons why SkillShare is the best online learning platform. Here are some of the features that make this platform stand out from others:

Extensive range of courses

SkillShare is totally awesome! They have an incredible collection of over 30,000 courses covering all sorts of topics. So, no matter what your skill level is, there’s bound to be something that catches your interest. Whether you’re just starting out or you’re already a pro, SkillShare has got you covered! One great thing is that all their courses are unique and not copied from anywhere else, so you can be sure you’re getting the real deal. So why wait? Sign up today and start learning!

High-quality video lessons

SkillShare’s courses are super easy to follow because they’re all taught through high-quality video lessons that are well structured. The instructors are all experts in their fields, so you can trust that you’re getting the best education possible. More so, because the lessons are all in video format, it’s very easy to understand the material and keep up with the course.

Interactive learning experience

SkillShare is a really cool platform because it lets you interact with the instructors and other learners while you’re taking your courses. You can also leave comments and feedback on each other’s projects, which makes learning feel more like a community experience. These create a sense of togetherness and collaboration, so you can work together to improve your skills and learn from each other. This may also be a great way to make new friends and grow your skills at the same time.

Affordable pricing

One of the best things about SkillShare is that the pricing is extremely affordable. You can sign up for a monthly subscription for only $19 a month. You may also go for an annual subscription for $99 a year, which is a super great deal compared to other online learning platforms out there.

One best part is that new members can try SkillShare for FREE for 30 days to see if they like it. So why not give it a go and start learning some new skills today? Sign up and learn for FREE for 30 days!

https://www.skillshare.eqcm.net/register-new-user

Learning Community

SkillShare is not just a place to learn new things, but also a place to make friends and be part of a really cool community. In this online learning platform, you can connect with other learners and instructors from all over the world. This means you will get to meet new people and learn from different perspectives.

More so, the Skillshare community is a great place to share your work, collaborate with others on projects, and get feedback from your peers and instructors. It’s like having your own little support group that helps you grow and improve your skills

Learning at your own Pace:

Skillshare offers hands-on creative classes that allow you to learn at your own pace. Whether you’re a busy person with a tight schedule or just want to learn in your own time, Skillshare has got you covered. With real-world projects to work on and online classes that are flexible and convenient, Skillshare makes it possible for you to achieve real learning and growth.

Pros And Cons Of SkillShare

Just like any other online learning platform, SkillShare has its pros and cons. Here are some of the pros and cons of SkillShare:

Pros:

• Offers an extensive range of courses
• High-quality video lessons
• Affordable pricing
• Interactive learning experience
• Vibrant learning community

Cons:

• Limited courses on some topics
• Not all courses are self-paced
• Some courses may not be as in-depth as others
  

How To Get Started With SkillShare

If you are eager to learn new skills and expand your knowledge? SkillShare is an excellent platform to get started with. Here’s how you can get started in just a few easy steps.

Also, note that new members can take advantage of a 30-day free trial to see if the platform is right for them.

The first step is to sign up for SkillShare using either the monthly or annual subscription plan.

Follow the link below to start.

Once you’ve signed up, start exploring the wide range of courses available on the online learning platform. Your sign-up will grant you access to over 30,000 courses. These courses cover various topics that cater to different skill levels. They are taught through high-quality video lessons that make it easy for learners to understand and follow the course.

To maximize your learning experience on SkillShare online learning platform, it’s important to set SMART goals and create an action plan. This involves creating a list of actions, setting a timeline, designating resources, and monitoring your progress. By following these steps, you can remain motivated and stay on track to achieving your learning goals.

How To Make Money With Skill Share

There are several ways to make money on Skillshare:

Teaching:

Skillshare pays instructors based on the number of minutes watched by their students. They are also paid by the number of premium students who enroll in their classes. Instructors can earn up to $10 for every premium student who enrolls in their class., and they receive a royalty payment for every minute watched.

Royalty payments are made to instructors every month, which is a percentage of the total revenue generated by their course.

It’s essential to create high-quality courses that engage learners to make money on Skillshare. Though it takes effort and dedication, you can earn a significant income as a Skillshare instructor. Just make sure you apply the right approach and strategy.

Skillshare Referral program:

Skillshare has a referral program that allows you to earn money by referring new students or teachers to the platform. For every person who signs up using your unique referral link and becomes a premium member, you earn $10. Start Earning! Sign up >> Here

Sponsorship And Licensing:

Instructors on Skillshare can also earn money through sponsorship deals with relevant companies. This means that they can make even more money beyond the royalties they get from Skillshare.

In the same vein, Skillshare has a licensing program where they partner with companies to license classes for their employees. As a teacher, you can earn money through this program by creating courses that meet the needs of these companies.

Keep in mind that to take part in some of these programs, such as teaching or licensing, you need to apply and be accepted as a Skillshare instructor.

Skillshare Affiliate Program

Skillshare also offers an affiliate marketing program where you can earn money by promoting Skillshare to your audience. You’ll receive a commission for every new customer who signs up for a premium membership using your unique affiliate link. To sign up, Click >> Here

Who is eligible for Skillshare’s affiliate program?

Joining Skillshare’s affiliate program is easy and free! All you need is a blog, Facebook group, Pinterest, Instagram, Twitter followers, or an email newsletter. Just ensure they align with Skillshare’s brand. Plus, you’ll need to create an account through Impact and have a free Skillshare account. With these simple steps, you can start earning as a Skillshare affiliate.

How does Skillshare’s affiliate program work?

As a Skillshare affiliate, you can earn 40% of the revenue for every new customer who signs up for a paid membership using your unique referral link. It’s easy to track your referrals in real time by creating a custom account through Impact. If someone signs up for Skillshare using your link within 30 days, you qualify for the commission.

I took Skillshare courses for 30 days…Is it worth it?

When I first signed up for Skillshare, I was skeptical. Would it really be worth the cost? But I decided to give it a shot and commit to taking courses for 30 days straight. After all, I have nothing to lose since the first 30 days were all FREE!

The first thing I noticed was how easy it was to navigate the site and find courses that interested me. The variety of topics was impressive, from graphic design to cooking to business management, music, creative arts, web development, and lots more. I appreciated the ability to learn at my own pace and on my own schedule.

As I dove into the courses, I was very surprised by the high-quality content and knowledgeable instructors. Each course was well-structured, with clear objectives and actionable steps. I felt like I was truly learning new skills and improving my existing ones.

One other thing I particularly enjoyed was the community aspect of Skillshare. I was able to connect with other learners and share my work, which helped me to stay motivated and accountable. It was inspiring to see what others were working on and to get feedback from both peers and instructors.

After 30 days of taking FREE Skillshare courses, I can confidently say that it was worth it. I learned new digital skills, improved existing ones, and felt part of a supportive learning community.

I plan to continue using Skillshare from time to time and would highly recommend it to others looking to expand their knowledge and skills. Visit website for more details >> https://www.skillshare.com

Other Top Online Learning Platforms

2. UDEMY ONLINE LEARNING PLATFORM

Udemy is an online learning platform that offers a variety of courses for learners of all levels. It was founded in 2010 and has since grown to become one of the most popular e-learning platforms in the world. There are currently over 155,000 courses that learners can choose from. This online learning platform helps people learn new things like business, technology, health, and art. It lets them improve their skills and knowledge in these fields.

Key Feature

One of the unique features of Udemy is that it offers courses created by instructors from all around the world. This means a learner can choose courses based on the teaching style, language, and cultural background of the instructor. Also, Udemy courses are available in over 65 languages, making it a great platform for non-native English speakers.

Price overview

Udemy offers both free and paid courses, with prices ranging from as low as $9.99 to as high as $199.99. The platform also offers lifetime access to courses, which means that once you purchase a course, you can access it for as long as you like.

Another great feature of Udemy is the ease of use of the platform. The interface is user-friendly, making it easy for learners to navigate and find the courses they want. Also, Udemy provides learners with a range of tools to help them learn better, such as quizzes, assignments, and discussion forums.

One of the downsides of Udemy is that the quality of the courses can vary greatly, as anyone can create and publish a course on the platform. This means that learners need to be careful when choosing courses and should read reviews and ratings before enrolling.

3. COURSERA ONLINE LEARNING PLATFORM

Coursera is a popular online learning platform that offers courses, certificates, and degree programs from top universities and institutions from all around the world. It is one of the most well-known and reputable online learning platforms available today.

On this platform, learners can find thousands of courses. The courses cover different subjects, like business, computer science, humanities, social sciences, etc.

Features

Coursera also offers a range of credentials, including certificates, professional certificates, and degrees. These credentials can help learners get the skills and knowledge necessary to advance in their careers or pursue new ones. Additionally, these credentials are recognized by employers, which can increase learners’ job opportunities.

The online learning platform also has a user-friendly interface. This makes it easy for learners to navigate through the platform and find the courses they are interested in. Also, Coursera has a community of learners from all over the world, which allows for collaboration, networking, and the sharing of ideas.

One of the unique features of Coursera is its Specialization. These are a series of courses that are designed to provide learners with in-depth knowledge and skills in a specific field. Specializations often include projects and assessments that allow learners to apply what they have learned and showcase their skills to potential employers.

Why Coursera Online Learning Platform?

One of the main advantages of Coursera as an online learning platform is its flexibility. Coursera provides learners with the ability to take courses at their own pace. This is ideal for individuals who work full-time or have other obligations. It is also great for those who live in remote areas or have limited access to traditional educational institutions.

Another advantage of Coursera is the quality of the courses available on the platform. They work with top universities and institutions to provide learners with quality education. Learners can access courses from renowned institutions such as Yale University, Stanford University, and the University of Michigan, among many others.

4. LINKEDIN LEARNING PLATFORM

LinkedIn Learning is an online learning platform that provides users with access to thousands of courses on a variety of topics. The platform was formerly known as Lynda.com before it was acquired by LinkedIn in 2015. Since then, LinkedIn has integrated Lynda.com into its platform, making it a powerful tool for career development.

Key Benefits

One of the key benefits of LinkedIn Learning is its vast library of courses. The platform has over 16,000 courses in its database. From technical skills like coding and data analysis to soft skills like leadership and communication. These courses are taught by professionals and experts. They are designed to be engaging and interactive, with hands-on exercises and quizzes to help reinforce learning.

Another benefit of LinkedIn Learning is its integration with LinkedIn. When you complete a course on LinkedIn Learning, you can add a certification to your LinkedIn profile. This can help you stand out to potential employers.

Also, the platform provides personalized course recommendations based on your LinkedIn profile. This makes it easy to find courses that are relevant to your career goals.

Key Feature

LinkedIn Learning is also user-friendly, with a clean and intuitive interface. You can easily search for courses by topic or keyword, and filter results by skill level, duration, and more. The platform also tracks your progress as you work through courses, allowing you to pick up where you left off at any time.

As for pricing, LinkedIn Learning offers a variety of options. You can sign up for a monthly subscription, which gives you unlimited access to all courses, or you can buy individual courses.

Many organizations also offer LinkedIn Learning as a perk for their employees, making it an affordable option for professional development.

5. EDX ONLINE LEARNING PLATFORM

eDX is also among popular online learning platforms, and offers thousands of courses from top universities around the world. It is an online learning site that has been providing free online courses since 2012. eDX courses are offered in various fields like computer science, data science, business, engineering, and more. The platform provides a wide range of courses, certificate programs, and degrees to learners from any part of the world.

eDX was created by the Massachusetts Institute of Technology (MIT) and Harvard University. Now, it partners with over 100 leading universities and institutions worldwide. The platform provides a variety of courses, some of which are free, while others are paid. eDX offers MicroMasters programs and professional certificates that can be completed entirely online.

eDX’s courses are offered in video format. They are taught by experts in the field and cover topics from beginner level to advanced. The courses are self-paced, meaning that learners can take them at their own pace and from anywhere in the world. There is also an option to pay for a certificate of completion, which can help to add credibility to the skills learned through the course.

Key Features Of This Online Learning Platform

One unique aspect of eDX is its focus on open-source technology. The platform has an open-source platform called Open edX. This is used by many universities and institutions to deliver online courses. The Open edX platform allows anyone to create their own online courses and offer them on the eDX platform.

Another important aspect of eDX is its commitment to accessibility. The platform is designed to be accessible to anyone with an internet connection. The courses are offered in multiple languages. The platform is also optimized for mobile devices, making it easy for learners to access courses on the go.

ONLINE LEARNING PLATFORMS: FINAL WORDS

When it comes to choosing the best online learning platforms, there are several factors to consider. This includes course quality, affordability, user experience, and instructor credentials. Skillshare ticks all the right boxes, making it an excellent choice for learners of all levels.

With a vast database of courses across various disciplines, Skillshare offers affordable, high-quality education that reflects different interests and skill levels.

The platform has a user-friendly interface. Also, its active community provides learners with a seamless learning experience.

Skillshare is a great option for anyone looking for best online learning platforms that offer quality courses and the same time, affordable.

Visit SkillShare Here >> https://www.skillshare.com

MORE READS

• 6 Effective Ways To Better Time Management
• How To Improve Your Personal Finance And Management Skills
• How To Minimize Your Phone Addiction

Hits: 14

Research has it that about 60% of college students in the United States have cell phone addiction. It was also found that more than 70% of people go to bed with their smartphones nearby. More so, 35% or more people would wake up with their thoughts on their phones. This is not peculiar to the U.S alone; so many people in different parts of the world are very addicted to their cell phones.

It may appear to be very difficult to break a phone addiction, but it is very possible. In this article, you will understand what is really meant by phone addiction, its symptoms, its causes, and the negative effects when one is addicted to his or her cell phone. You will finally get to see the possible ways to minimize phone addiction, and resources to help you to break this addiction.

What Is Phone Addiction?

Mobile Phone Addiction is simply an obsession with the use of cell phones. It can also be seen as a behavioural addiction in the use of mobile phones or related mobile devices. Colloquially, it is called nomophobia, which means the fear of not being with a smartphone.

It is understood that so many people live with phone addiction; this is because phones are constant sources of research, entertainment, information, communication and lots more, and are always available whenever we want them.

We are increasingly becoming connected to the use of smartphones for so many things; the mobile phone today has become an indispensable element or tool in our lives.

No doubt, cell phones are a fundamental piece of our lives, usage, however, should be kept under control. If otherwise, mobile phone addiction can result in severe consequences, leading to so many problems in our lives.

Cell Phone Addiction Symptoms In Children

Most young children today have been exposed to mobile phones, especially smartphones from the early part of their lives. We may not necessarily prohibit them from complete use of these digital devices; in fact, there is already a huge market for these little ones.

We must accept the reality that mobile devices have come to stay and make effort to control how the children are exposed to them. If this is not checked, what at first seems to be leisure or entertainment, may end up causing the problem of smartphone addiction, since the children’s brains can also be hooked on some things, just like adults do.

If in adolescence we are concerned about addiction to social networks, we must also ensure that our young children do not have a bad relationship with the mobile phone. They are not aware that there may be a loss of control over the use of digital platforms and the Internet. It is important for parents to be aware of these symptoms of phone addiction by their children for quick intervention or prevention.

Below are some of the symptoms that alert us when a child has become addicted to mobile phones.

1. Spends More And More Time With Phones Than Before

While a few minutes were enough before, now the little one begins to claim more and more time and increases his frustration when we remove or turn off his mobile phone or device.

2. Mood Change

Throughout the day, children go through various moods. But when phone addiction begins to creep into a child’s life, we will begin to observe mainly two different moods: the happy mood when the child is with the phone and the sad mood, when he or she is not with the phone.

3. Always Requests For Phone

When a child is not with the phone, he or she asks numerous times when he or she can play with it. In fact, it is the first thing the child usually asks for whenever parents arrive home or when the parent picks up the child from school.

Since he understands that you control the time he spends with the mobile, sometimes, the child will secretly take the phone, maybe for a few minutes, or lie about the time he or she has been with the cell phone.

4. Few Activities

The child’s leisure and games will begin to be centred around the mobile phone. He or she abandons other types of toys and is bored with things order than the mobile phone.

6. Altered Routine

Lunch or bedtime becomes associated with the phone. In fact, the child negotiates with parents just to use the phone, even if unconsciously. He or she may eat only if we let him/her play with the phone, sometimes the child will need to play with the phone before going to bed even.

Symptoms Of Phone Addiction For Adults

When an adult suffers from a phone addiction, his or her habitual rhythm of life is altered. This does not always affect all areas of life, but it would affect a person on a general level. It influences your work, within your inner circle or in the dynamics you have with your family, food, sleep or mood will always be affected, etc.

Some common symptoms of phone addiction are enumerated below:

• If the first thing you do when you get up and the last thing you do in bed is look at your mobile phone, that shows one of the first symptoms of phone addiction.
• If the use of cell phones has become a number one priority for you, leaving relationships with family or friends, as well as studies or work.
• You become isolated from other people and have developed behaviours that involve spending a lot of time using the cell phone.
• You are always on the phone, be it in meetings with friends, at work, at home and even in the bathroom.
• If you constantly look at the phone screen every few minutes, even if no calls are expected.
• You feel incomplete and insecure when you don’t have a phone nearby.
• You always have your mobile phone close and become stressed when you are in a place where you cannot use the phone.
• Also, if you are one of those who have to carry the phone in hand instead of in the pocket or in the bag, the symptom of phone addiction may be evident in you.
• Spending much time checking messages or social networks is also a sign of mobile phone addiction.
• When you are working, eating, or even drinking coffee while same time operating your mobile phone.
• You are continuously checking if you have messages, notifications or calls.
• If you are not able to eat without consulting the mobile phone, it is part of the symptoms of an addict. Looking at the mobile phone while eating or always having it on the dining table during meals could also be a sign of phone addiction.
• One of the most obvious symptoms of mobile phone addiction is feeling the need to use it when you are with friends or family or loved ones.
• If your mobile phones consume more battery than it was designed; a device that is used in its proper measure should not give battery problems throughout the day.
• Another clear symptom of mobile phone addiction is delaying important tasks, whether at home or at work, because of compulsive use of the phone. Whenever an activity interferes with our duties and tasks, it is time to stop and think if it is not something that is beyond our control.

If the above-mentioned sounds familiar to you, then it is possible that you might have a phone addiction. You are not alone here…and you shouldn’t worry much. This article was carefully researched and written to help people like you who are having phone addiction.

Although it is possible to experience some of the symptoms described above with a computer or a tablet, the unique thing that makes mobile phones, so addictive is the fact that we carry them about all the time.

Causes Of Phone Addiction

There are so many reasons why people become addicted to the use of cell phones. The advent of the internet and smartphones are among the major causes of phone addiction. Nowadays, the internet makes it easier and simpler for us in doing things. It is also easier and cheap to become connected to the internet anywhere using a smartphone.

Technological innovations especially with regards to the use of mobile phones are increasing day after day. There is virtually nothing that can’t be done with mobile phones today. Ecommerce, Gaming, Trading, Social networking, Surfing the Web, Payments etc. We can make good use of these new technologies via mobile phones, but there should be limits on things to be done. As in everything, the extremes are not always good.

While some of us had our first smartphones in adulthood, with this new generation things have really changed. Right from when children are born, they already begin to interact with the screens. In fact, it is not uncommon to see how children of 3 and 4 years of age perfectly handle any device with internet access.

Also, there are parents who practically give the child the mobile phone so that he can entertain himself and leave them alone. Sure, the child gets used to it, becomes naturally addicted and this becomes a fixed habit, which like all other habits, may become difficult to change, especially in adulthood.

Often, people addicted to their mobile phones also have other psychological problems, such as anxiety, depression, stress, or strong feelings of loneliness. While the mobile is being used, emotions such as loneliness and boredom evaporate; but as soon as it is stopped, they return more intensively

Negative Effects Of Phone Addiction

Abuse in the use of mobile phones is associated with a series of negative effects. The first of these is the change in social relationships, losing interest in physical relationships and paying more attention to relationships maintained through mobile applications.

In addition, excessive use of the mobile phone can lead to life-threatening situations: Like driving while paying attention to our smartphones or simply walking while checking the phone which can pose a potential hazard.

Furthermore, phone addiction can result in loss of concentration in studies and work, it can also affect our mood depending on who writes or calls us at any given time.

Several studies have found that people with a serious mobile addiction have serious problems concentrating on tasks such as reading, working, or studying; and usually, they are unable to do anything, always feeling the need to look at their mobile to check their notifications.

Blue light from our mobiles can alter our circadian rhythm, creating serious difficulties in falling asleep and maintaining it properly. Also, much exposure to phone screens can cause digital eye strain.

Finally, it should be noted that addiction to the phone not only takes us away from reality but also from our loved ones and those that matter in our lives. You can miss many things and distance yourself from your closest people by constantly being engaged with your smartphone screen.

What To Do If Your Child Or Teen Is Addicted To His Or Her Phone?

To prevent these phone addictive behaviours, it is recommended that children between 6 and 9 years do not spend more than 30 minutes a day with mobile phones or similar electronic devices; between 8 and 14 years old, the recommendation is one hour and from the age of 14 it can be extended to two hours.

Teach our children the ideal way to use their phones. Education is the best way to prevent our children from developing an addiction problem with their phones. In the same way that we teach them to wash their hands or give thanks, we must be concerned and put effort to ensure that they learn to use their mobile phone correctly; to prevent addiction.

Also, make effort to protect them from the dangers of the Internet. Certain contents on the internet are not good for children. If a child becomes exposed to adult games and pornographic content, or a movie series meant for adults, such a child may become very addicted to these, not to mention the potential harm that comes along with them.

As parents, we should also try as much as possible, to reduce the use of mobile phones in the presence of our children. We must permit the children ample time for them to mature and develop their capacity for self-control before exposing them or granting them access to the smartphone.

Parents must agree on the fact that children learn by repeating what they see in their environment. If parents abuse the use of mobile phones and spend all day hooked on the phone, their children may equally learn to do the same. So parents must control how much time they spend on their phones whenever they are with their children.

Finally, it is necessary that we put in place certain rules or regulations that guide our children to make correct use of the mobile phone. Example:

• It is important that an adult is present when the child is with the mobile phone to control the time and content he or she visits.
• Limit the total time that the child can use the different devices (mobile, computer, tablet…etc.).
• Turn off the cell phone during sleep hours or bedtime.
• Agree with children on the when and how to use the mobile phone. For example, not taking it to school or not using it during meals, or on weekends, it should only be used for a given time (e.g., for 1 hour)
• Establish priorities and responsibilities in relation to daily activities.

How To Get Rid Of Mobile Phone Addiction?

Helpful Tips:

Addicted people often deny it because they are often not even aware they have this problem in the first place. People who are aware of the negative effect of mobile phones on their lives often ask for help, especially when their use of mobile phone start deteriorating their personal, social and physical well-being.

If you think you have enough symptoms to consider that you have a problem of phone addiction, it is best to act on the matter. For this, we give you a series of tips to help you face this problem.

Turn off the phone at bed or during bedtime. Respect your rest hours, even if you use it as an alarm clock there is no excuse. Since current smartphones allow this option (to sound the alarm despite being off). You also have the option of “aeroplane mode”, which eliminates the possibility of receiving notifications (which is the main enemy).

Control and limit usage times of your phones. Most smartphones will allow you to check the hours of usage you make on them, and specify which apps you spend the most time on. You can always make reference to this so as to become aware of the real hours you lose on the phone, to enable you to set your own limits.

In the same vein, it is recommended that you create schedules in which you fix the limit of usage of the cell phone. For example, during meetings, meals etc.

Delete irrelevant applications and unnecessary notifications. Some apps do not stop sending notifications and have us constantly checking our smartphones. These types of Apps should be removed, better still, limit the notifications so you are not always prompted to check the phone.

One of the best treatments, as experts would tell us, is always prevention. Therefore, it is important to learn to identify phone addiction and related disorders, and its symptoms and take measures (especially if you have young children and adolescents) to ensure that it does not happen.

You may also need to see a psychologist, a professional or those who are specially trained in handling issues like this. Like any addiction, you can consult professionals to help the addicted person. They usually will offer you psychological tools and techniques to deal with this addictive behaviour.

There are also books, video series and other resources online which can equally help you in tackling the issue of phone addiction. If you are one of those suffering from phone addiction, or you have been manifesting the symptoms mentioned above in recent times, then you may consider getting this eBook below:

We are excited to introduce to you…

One of those great resources that can help you overcome the problem of phone addiction. To get yours, Click >> Here

More To Read:

• 5 Best Online Learning Platforms
• 6 Effective Ways To Better Time Management
• How To Improve Your Personal Finance And Management Skills

Hits: 18

Time management! Oftentimes we have heard so many complaints from people about time not being adequate for their activities. For some people, 24 hours is never enough for a day. We can’t add to it or subtract from it as much as we would want to. There is just nothing that can be done to alter the 24 hours we have in a given day

It is true that we all have the same hours in a day, but why are some individuals more productive and utilize maximally the time they have, while some others barely go through?

It all has to do with how effectively they have mastered the acts of time management.

What Is Time Management And Why Is It Important?

It is a set of skills and techniques that help you manage your time in order to achieve your goals and be successful.

Time management is the act of deliberately planning, disciplining oneself, and exercising conscious control of time spent on specific activities in order to increase effectiveness, efficiency, and productivity.

It can also be seen as the process of planning and deciding how to divide your time between specific activities. Good time management enables you to work smarter, not harder and by so doing, you are able to achieve more with less time or even while under some time constraints.

Effective time management will help you choose how to spend 24 hours in a day to obtain maximum productivity and accomplish your goals. It is about how to allocate time to complete the tasks and activities that you need to do and assigning the 24 hours you have every day to the right tasks.

Good time management skills will enable you to balance the various tasks, interests, work, business, hobbies, families, and other activities that demand your attention with the limited time available so as to increase productivity and efficiency.

With the right time-management skills, life becomes easier and more productive as you have ample time for rest, family, friends, and hobbies.

This is just the secret of successful people. Effective time management! The best time managers are both effective and efficient…if you pay close attention, you would notice this among successful people,

Why The Need To Have Time Management Skills

Suppose you can effectively create a list of things to do in a day and allot the time needed to complete those tasks, and discipline yourself to strictly follow the list. In that case, you will discover that you will be able to deliver more successfully and have great returns and output. 

How you spend your day is completely up to you, whether you’re working on a project or a business proposal or you’re watching television all day, you’re responsible for designating your time wisely

You might ask, what is the reason for time management skills? Time management skills help you avoid stress, anxiety, tension, and depression,  and help you get enough sleep, in the long run, would greatly affect positively your overall output,  the quality of your decisions, and also almost every aspect of your life, from your career to your relationships, friendships and social life.

.

Importance Of Time Management 

Time management is an important skill because it helps you be more productive, efficient, and successful in your endeavours. It can also help you avoid stress, which can lead to mental health issues.

The benefits of time management are so many, but the most important one is that it helps you achieve your goals quicker with less stress. Below is a summary of the benefits of time management.

1. Effective time management increases your output and productivity. If you plan your time wisely, you won’t be rushing through deadlines and you would be able to produce more with the finite time available. 
2. It reduces stress, anxiety, pressure, and tension.  A looming deadline and an uncompleted task results in stress and undue anxiety for the individual. But once you are able to avoid this, you are more relaxed. 
3. It helps you to stay disciplined: As we have seen, effective time management takes a lot of discipline. And having this discipline benefits you in all aspects of life.
4. It improves your relationship with others: when you are able to manage your time effectively and are not rushing from one task to another or from one deadline to another, you are left with some time in your hands to spend with friends, family and loved ones. 

Some Time Management Mistakes  

1. Not Planning Out Your Day.

You may be thinking, ‘why should I waste time planning how to spend my time? I should just skip that part and dive into the day’s activities.’ 

Well, It’s important to plan out your day for maximum efficiency and productivity. You don’t have to know or streamline the tasks for a day down to the very minute and second, but you should try as much as possible to set daily goals including tasks you’d like to complete, then arrange them in order of importance and priority.

2. Procrastination

Procrastination as they say is a thief of time. It is a universal fact that most of us procrastinate on most of our tasks.

While it may seem pleasant and relaxing at first when we put off a potentially unpleasant task, procrastination has devastating effects in the long run. People procrastinate for many reasons which could be:

Waiting for the right time: Some persons might put off for a later time some tasks they ought to do simply because they are not in the mood or right frame of mind, or are not duly motivated. And so these activities are stacked for that right time when they would be in the mood to attend to them.

Fear: Procrastination can actually be comforting when the fear of failure is present. When someone feels what he is to do would not be applauded or might not reach the standard required, he resorts to putting off that activity for a later time trying to buy some more time.

Unhealthy Lifestyles: People with unhealthy lifestyles tend to have lower energy levels. They are often tired and don’t have the strength to do much of anything, which leads to procrastination.

Lack of enough sleep, rest, and unhealthy diets tend to affect an individual and thereby leave him sluggish, tired and lazy. Lifestyle factors can play a large role in how motivated you are to get up and do something.

This is why starting up your day with exercise is a healthy habit. It helps to set the mood for the day and starts you off with a boost of energy that will keep you motivated, fueled for the day’s task, and strengthened to keep working hard.

Lack of Vision: If you don’t know which direction you are going or the purpose of what you’re doing, or a clear understanding of what you are into, you may feel like you’re turning around in cycles.  

Not having a clear vision of the bigger picture is one of the most common causes of procrastination.

Without a vision to guide you toward productivity, you will end up focusing on little things going on in the present moment that do not really matter rather than what you need to be doing now to reach the desired goal. Having a solid vision will encourage you to take action.

The Six (6) Effective Ways To Improve Your Time Management Skills

1. Plan Your Day Ahead Of Time

To effectively manage your time, you ought to plan your day in advance. Planning is the first, the best, and most proven of all the time management techniques.

Plan your day before you start your day. Use up to 30 minutes in the morning to plan your day, arrange the tasks needed to be accomplished that day and specify your goals. Set goals correctly. Set goals that are achievable and measurable.  Set a time limit to complete a task and discipline yourself to abide by it.

You can plan your day by creating a list of activities, tasks or goals for that day.

When you are making your schedule or your list for the day, give yourself some extra time or allowance between when you plan to complete your task and when it is actually due. This way, if any challenges, distractions, or setbacks come up during the process of your project, you will still be able to complete it within time.

To-do lists are a great way to stay on track and get things done. They work well for both short-term and long-term tasks and can be customized to fit your needs.

A good to-do list is more than just a list of tasks – it’s an organized plan for your day that helps you keep your priorities in order and make sure you get the most important things done first.

Some people find it helpful to use a physical notepad or old-school pencil and paper, but there are also many great apps out there that offer a variety of features that make to-do lists easier than ever.

2. Set Clear Goals For Yourself And Prioritize Tasks

It is important to set clear goals for yourself. This will help you stay on track and stay motivated. One way of doing this is by writing down the goal. But some people find that difficult.

That’s why there are many different techniques available online or in apps that can help you make a goal list, such as setting SMART (Specific, Measurable, Achievable, Realistic, and Timely) goals or using a mood tracker app like Happyer.

More so, prioritize wisely. Prioritize tasks based on importance and urgency. An important skill of effective time management is being able to identify the most important and pressing tasks and spend a quality and sufficient amount of time each day on them.

Before assigning most of your productive time to a task, stop and check if it is urgent and/or important. 

Learn how to arrange and rank your tasks every day in order of priority. To do this, ask yourself what consequences could occur if you don’t get something done or fail to deliver on a task? That question would point you in the right direction to steer. 

Avoiding consequences is often a good motivator and will create a sense of urgency in you. Once you know what is low on your list of priorities, make sure that you don’t let that task occupy you or take up most of your quality and productive time during the day.

Another way of prioritizing compulsory tasks is to put the most unpleasant and difficult ones first. When it’s done, the rest of the list feels easier. 

3. Do It NOW! 

As we have seen above, procrastination is the number one thief of time. Check yourself and note those instances when you delay or postpone your own tasks on purpose.

Are you waiting to be “in the mood” to finish a project or task? Do you spend your time discussing lazily or browsing the internet? Do you abandon what’s on your to-do list? Acknowledging this fact and identifying the reason why you are procrastinating is one step to help you overcome this negative habit.

You must know and realize that you can’t wait for perfect conditions or the right moments to do your work or to launch a great project. 

Also, address matters as soon as they pop up instead of postponing dealing with them at a later date. If you take care of little problems as they come your way in the course of completing a major task, it will prevent them all from piling up and possibly creating one large problem. 

It has been proven that once you start doing something, you’re more likely to finish it at that time, so don’t push off problems you might encounter in the course of doing that task to deal with later. If something comes up that you need to take care of, do it right away.

You have to plunge in NOW and begin the project NOW. As has been seen, taking immediate action and starting a task even though you are not in the mood usually begins a positive cycle that motivates even more action. 

Alternatively, if you are doing nothing, you will probably continue doing nothing until something dramatic happens to create a change. 

So quit procrastinating, take the bull by the horn and begin that task or that project NOW. Below are helpful resources to help you overcome procrastination:

• THE PROCRASTINATION FIX

• FIND YOUR FOCUS: END PROCRASTINATION WITHOUT WILLPOWER
  

4. Stay Focused

Despite our best intentions, we all get distracted. There are so many things that can distract us from our goals, they include social notifications, talkative colleagues, friends and family, procrastination, television, etc.

Research has shown that the use of mobile smartphones distracts us the most and makes us lose focus on essential activities or goals for the day.

According to research, 60% of college students in the U.S.A believe that they have a cell phone addiction. Do you know that 71% of people sleep with their cell phones nearby? Also, about 35% of people wake up thinking about their phones

It may not really be easy to break phone addiction. It is, however, possible to do so. Follow the link below to learn how?

OVERCOME PHONE ADDICTION

We all need a high level of discipline to sit down and stay focused on a task to get it done. It always takes time to refocus on a task after an interruption. So you need to effectively manage your distractions in order to protect your flow and focus.

When you’re working on an important project or task, one way to avoid distractions and avoid wasting time is by putting away your phone and disabling notifications on your computer until you’re finished with what you need to do. Avoid checking emails and answering the phone when you’re in the middle of something important.

It’s important to know what distracts you and to figure out how to limit or keep these things from derailing you. Get rid of all sources of distractions as much as possible. If you have a personal issue that is keeping your attention on something other than your task, try to take care of it as soon as possible so you can move on with your task. 

5. Stop Multitasking And Take Breaks When Need Be

All works and no play, they say, make Jack a dull boy. It is good to take breaks between tasks. This would give you a clear and fresh mind for the next task and increase your productivity. 

During this break, you may choose to re-clarify your goals, regroup yourself, and note the tasks left to do. Think about the things that you actually want to achieve and why you are working on your current project. Consider the steps you need to take to get to your goal and ask yourself if your current work is still aligning correctly.

In order to maximize productivity, you should stop multitasking and take breaks or short naps between tasks.

Many people multitask because they think that it will save them time by doing more than one task at a time. However, research has shown that this is actually not true and can actually inhibit your ability to focus on tasks.

Research has also shown that when people multitask, they are less productive because their attention span is split between multiple tasks, which leads to more mistakes being made and a lower quality of work being produced.

It is important for people who want to be productive in their endeavours or even at the workplace to take breaks or short naps between tasks.

6.  Know When To Say No

It is important to know when it is appropriate to say no. We should not feel guilty for saying no to something that we are not interested in. Saying no is about prioritizing and understanding that we can’t do everything.

When we say no to certain tasks, it will save us huge time which can as well be channelled into other productive endeavours.

The phrase “No” can be tricky because it can come off as rude or unprofessional. However, if you need to say no, you should do so without offending anyone. There are many ways to say no without offending someone, but there are two common phrases that are used: “I’m sorry I cannot make this commitment” and “I’m sorry but I need to pass on this opportunity.”

Effective Ways To Better Time Management: Conclusion

Time management isn’t really about managing time alone—it’s about managing and disciplining yourself. We all have the same 24 hours each day, but how well we make use of it is completely on us. 

People who cannot manage their time properly produce low-quality work and are often more stressed, as they’re constantly under pressure. Time management doesn’t take a huge amount of effort, but it does require a level of discipline.   

The best time management techniques improve the ways you work, protect you against distraction, improve your overall health and quality time you spend with loved ones, and lock your concentration.

Helpful Resources

These helpful resources found online can help you in your quest for effective time management skills. You may consider checking them out:

• Procrastination Fix
• End Procrastination Without Willpower

More Read!

• 5 Best Online Learning Platforms
• How To Improve Your Personal Finance And Management Skills
• How To Minimize Your Phone Addiction