LESS IS MORE. It's more important to have a few nice things that you truly enjoy, than to just have lots of stuff. Say goodbye to things that don't fit, are out of style or are unflattering. This goes for clothing, furniture, knick knacks, and other possessions you're not happy with.

CONSOLIDATE CREDIT CARDS. Most stores take Visa, MasterCard and American Express. Pay off your other credit cards, and in the future use only one or two of these major credit cards. Don't cancel them. Keep them open with a zero balance...If you cancel them, you can hurt your FICO score...If possible, use cash, an ATM card, or one card that you pay off each month for important everyday purchases like gas, groceries, and other necessities.

DON'T BUY DRY CLEAN ONLY CLOTHES. There are plenty of nice, washable clothes available for both business and pleasure. You'll spend less time and money at the dry cleaners. The same goes for bedspreads, curtains, etc.

SCREEN YOUR CALLS. Let your voicemail take all your phone calls, and return calls on your time--use your FREE minutes on your cell phone to return calls.

DON'T SWEAT THE SMALL STUFF. Don't allow trivial matters to aggravate you. If the milk spills, wipe it up and move on to more important things.

GET HELP. Don't try to do everything yourself. Split up household responsibilities among family members. Delegate to your staff. Outsource projects, repairs and so on.

DON'T TRY TO REMEMBER EVERYTHING. There's no need to store it in your memory. Write it down, and write it in one place so that you can find it easily--use a planner.

WATCH TV ON YOUR TERMS. If your favorite program isn't on at a convenient time, use your VCR or DVR and record it. Then, watch it when you want to--without all the commercials!

DON'T OVER-SCHEDULE YOUR CHILDREN. Too many activities can cause a strain on your children, and you!

PLAN EACH DAY. Spend 10 minutes each night, planning for tomorrow. You'll be focused and ready to take on the world each morning! Use Sundays to plan for things during the week--put out 5 outfits for the week, pack 3 days worth of lunches, cook a big casserole or dish that you can separate in containers and refrigerate and/or freeze...you get the idea:)

Use your time wisely.

have the courage to question & challenge the status quo... refuse to accept "traditional" thinking and answers as fact....
~Kimlee