Question

1. write a paragraph about how you will avoid procrastination. consider these ideas when thinking about procrastination: fear of failure, fear of success, perfectionism, need for excitement, excellence without effort, and loss of control. how will you complete your assignments on time?2 to 4 paragraphs

2. what is your plan for managing your money? Consider these ideas when thinking about your plan: monitoring how you spend your money, using a budget, applying for financial aid and scholarships, saving money, and spending money wisely. 2-4 paragraphs

Answer 1

1. Steps to avoid procrastination:

Procrastination is a habit – a deeply ingrained pattern of behavior. This means that you probably can't break it overnight. Habits only stop being habits when you avoid practicing them, so try as many of the strategies, below, as possible to give yourself the best possible chance of succeeding.

• Forgive yourself for procrastinating in the past. Studies show that self-forgiveness can help you to feel more positive about yourself and reduce the likelihood of procrastination in the future.
• Commit to the task. Focus on doing, not avoiding. Write down the tasks that you need to complete, and specify a time for doing them. This will help you to proactively tackle your work.
• Promise yourself a reward. If you complete a difficult task on time, reward yourself with a treat, such as a slice of cake or a coffee from your favorite coffee shop. And make sure you notice how good it feels to finish things!
• Ask someone to check up on you. Peer pressure works! This is the principle behind self-help groups. If you don't have anyone to ask, an online tool such as Procraster can help you to self-monitor.
• Act as you go. Tackle tasks as soon as they arise, rather than letting them build up over another day.
• Rephrase your internal dialog. The phrases "need to" and "have to," for example, imply that you have no choice in what you do. This can make you feel disempowered and might even result in self-sabotage . However, saying, "I choose to," implies that you own a project, and can make you feel more in control of your workload.
• Minimize distractions . Turn off your email and social media, and avoid sitting anywhere near a television while you work!
• Aim to "eat an elephant beetle" first thing, every day! Get those tasks that you find least pleasant out of the way early. This will give you the rest of the day to concentrate on work that you find more enjoyable.

2. Plan for managing your money:

To start tracking your money, keep receipts and write your expenditures down on paper, or use a spreadsheet or even budgeting software. The important thing is that you record what you spend as soon as possible to keep your records accurate. Even your guilty splurges need to be recorded. For now, you just want to see where your money goes. You don't need to worry about whether something is a good or bad expenditure yet.

Set up a budget, or if you prefer, set up a spending plan. To manage your money properly and get ahead financially, you need to spend less than you earn. Record your sources of income and when you receive them. Then determine how much of your income is spent on monthly bills and necessities. Plan how you will spend or save any remaining funds.

After tracking your spending for a month, you will likely see some categories where you can cut your spending and keep your budget on track. When making your budget, remember to plan for irregular bills such as car insurance and set aside some money for unexpected expenses. Make sure you review your budget every few months or whenever there is a significant change in your income or spending.

Now that you know where your money is going and you're spending less than you earn, you can start saving. To get ahead financially, you need to set aside a percentage of your money. If you are just starting to manage your money, you probably are not used to setting it aside and usually just spend it as you make it. You can have your bank account automatically drafted each month and invested in a mutual fund. Saving 10 percent of your income is a common goal and is a good amount to start with. But once you get used to saving, you may want to increase that to 20 percent or more.

If you don't consistently pay off your credit cards every month then stop using them. One way to do that is to not carry your credit cards with you. You can hide them or freeze them in a block of ice if they are tempting you. There are many tips to not use your credit cards. If you do not use credit cards then you can't spend money you don't have and will not be spending more than you earn.

If you have credit card debt, you can save money by calling your credit card company and asking for lower rates. The best way to save money on credit card bills, though, is to pay them off as soon as possible.

Once you start managing your money, you will find out that it makes other parts of your life easier as well.