I NEVER KNEW I NEEDED (NE-YO)

For the way you changed my plans For being the perfect distraction For the way you took the idea that I have Of everything that I wanted to have And made me see there was something missing, oh yeah For the ending of my first begin (Ooh, yeah yeah, ooh, yeah yeah) And for the rare and unexpected friend (Ooh, yeah yeah, ooh, yeah yeah) For the way you're something that I'd never choose But at the same time, something I don't wanna lose And never wanna be without ever again You're the best thing I never knew I needed So when you were here I had no idea You the best thing I never knew I needed So now it's so clear, I need you here always My accidental happily (Ever after) The way you smile and how you comfort me (With your laughter) I must admit you were not a part of my book But now if you open it up and take a look You're the beginning and the end of every chapter You're the best thing I never knew I needed So when you were here I had no idea (When you were here) You the best thing I never knew I needed (That I needed) So now it's so clear, I need you here always (Now it's so clear) Who knew that I could be (Who knew that I could be) So unexpectedly (So unexpectedly) Undeniably happier Sitting with you right here, right here next to me Girl, you're the best You're the best thing I never knew I needed (Said I needed) So when you were here I had no idea (When you were here) (Said I had no idea) You're the best thing I never knew I needed (That I needed) So now it's so clear I need you here always (Now it's so clear) (So clear, so clear, I need you always) Now it's so clear, I need you here always THE SONG WAS SO TOUCHDOWN MY HEART...CANT SAY A WORD TO DESCRIBE HOW DEEP THE MEANING WE CANT SAY THAT HE/SHE IS THE PERSON BUT THE TIME WILL ANSWER AND IT WILL APPEAR IN FRONT OF US LETS FACE THE REALITY AND PURSUE THE RIGHT THINGS FOR US

BUNG HATTA WAS A HUMBLE LEADER

Jakarta - Dandanan mentereng, rumah, dan mobil mewah agaknya sudah menjadi gaya hidup para pejabat saat ini. Masyarakat pun kembali merindukan figur-figur pemimpin yang sederhana dan pantas untuk dijadikan teladan. Suatu hari, di tahun 1950, Wakil Presiden Muhammad Hatta pulang ke rumahnya. Begitu menginjakkan kaki di rumah, ia langsung ditanya sang istri, Ny Rahmi Rachim, tentang kebijakan pemotongan nilai mata ORI (Oeang Republik Indonesia) dari 100 menjadi 1. Pantas saja hal itu ditanyakan, sebab, Ny Rahmi tidak bisa membeli mesin jahit yang diidam-idamkannya akibat pengurangan nilai mata uang itu. Padahal, ia sudah cukup lama menabung untuk membeli mesih jahit baru. Tapi, apa kata Bung Hatta? "Sunggguhpun saya bisa percaya kepadamu, tetapi rahasia ini tidak patut dibocorkan kepada siapa pun. Biarlah kita rugi sedikit, demi kepentingan seluruh negara. Kita coba menabung lagi, ya?" jawab Bung Hatta. Kisah mesin jahit itu merupakan salah satu contoh dari kesederhanaan hidup proklamator RI Bung Hatta (1902-1980) dan keluarganya. Sejak kecil, Bung Hatta sudah dikenal hemat dan suka menabung. Akan tetapi, uang tabungannya itu selalu habis untuk keperluan sehari-hari dan membantu orang yang memerlukan. Saking mepetnya keuangan Bung Hatta, sampai-sampai sepasang sepatu Bally pun tidak pernah terbeli hingga akhir hayatnya. Tidak bisa dibayangkan, seorang yang pernah menjadi nomor 2 di negeri ini tidak pernah bisa membeli sepasang sepatu. Mimpi itu masih berupa guntingan iklan sepatu Bally yang tetap disimpannya dengan rapi hingga wafat pada 1980. Bung Hatta baru menikah dengan Ny Rahmi 3 bulan setelah memproklamasikan kemerdekaan RI bersama Bung Karno atau tepatnya pada 18 November 1945. Saat itu, ia berumur 43 tahun. Apa yang dipersembahkan Bung Hatta sebagai mas kawin? Hanya buku "Alam Pikiran Yunani" yang dikarangnya sendiri semasa dibuang ke Banda Neira tahun 1930-an. Setelah mengundurkan diri dari jabatan Wapres pada tahun 1956, keuangan keluarga Bung Hatta semakin kritis. Uang pensiun yang didapatkannya amat kecil. Dalam buku "Pribadi Manusia Hatta, Seri 1," Ny Rahmi menceritakan, Bung Hatta pernah marah ketika anaknya usul agar keluarga menaruh bokor sebagai tempat uang sumbangan tamu yang berkunjung. Ny Rahmi mengenang, Bung Hatta suatu ketika terkejut menerima rekening listrik yang tinggi sekali. "Bagaimana saya bisa membayar dengan pensiun saya?" kata Bung Hatta. Bung Hatta mengirim surat kepada Gubernur DKI Ali Sadikin agar memotong uang pensiunnya untuk bayar rekening listrik. Akan tetapi, Pemprov DKI kemudian menanggung seluruh biaya listrik dan PAM keluarga Bung Hatta. Bung Hatta adalah pendiri Republik Indonesia, negarawan tulen, dan seorang ekonom yang handal. Di balik semua itu, ia juga adalah sosok yang rendah hati. Sifat kesederhanaannya pun dikenal sepanjang masa. Musisi Iwan Fals mengabadikan kepribadian Bung Hatta itu dalam sebuah lagu berjudul "Bung Hatta". Terbayang baktimu, terbayang jasamu Terbayang jelas jiwa sederhanamu Bernisan bangga, berkapal doa Dari kami yang merindukan orang Sepertimu

PATIENT AND BIG HEART

those 2 words that i've used as my title have a very2 big meaning in our life..dont even try to move forward without consider that words because if we arent pay attention with any single activity without apply that words, it would be even worst.

each word have a different meaning but close to another..

in our life, we are sometimes forgot to apply that word and it makes what are we plan to do wont going like what we want.
pay attention with that word...

i will try to explain what the meaning of that words because today..im still applying that words..hard but i have try...

PATIENT
this word have many meaning according to people that i asked,,most of them said that word patient had meaning of emotion control or demolish the bad tempered. For me personally, patient could have wide meaning depends on where we use that word. Patient has an important part in our life, it could affect our behaviour towards better life and lead us to obtain more friends. In this life, that word is hard to apply because we need to learn how to control our emotion or control our tempered. I'm sure that everyone is keen to be patient although its hard. But if we can apply and make ourself to be patient to face anything that appears in our face, the life will flow like a water in the river, no many threat and we can solve the problems as soon as possible. so lets we try to learn how to be patient.

BIG HEART
this kind of word have a similar meaning with patient but its still different because big heart have a deeper meaning than patient. My colleagues said that big heart could be a personality or character of someone that appears in theirself because they had an experienced that make ourself need to have a big heart. In my opinion, To have a big heart means never to be disheartened. To have a big heart means to have good wishes constantly for others and to enable others to move forward through this. Even if someone with negative characteristics comes in front, there are no feelings of negativity as there is the power to accept and recognize their specialties. We are able to be beyond confusion and doubt when we have a big heart. We are never caught up with the problems but are very easily able to find a way out. We are able to very effectively and smoothly come out of any negative situation.

let we imagine if we could have those personality and characters, how wonderful we walk through this life..we can walk with full of joys and pureness without any fear to face any problems and any threat the could appears in front of us in a sudden

in summary, lets we try from now to learn how to be patient and have a big heart, in order we could enjoy the rest of our life

LOOK BACK AND STEP FORWARD III

FINALLY ITS DONE...



itu kata2 yang terlontar dari mulut gw saat liat hasil gw semester ini...ini adalah semester terakhir gw di melbourne,semester terkahir gw di RMIT University, semester terakhir gw di bangku sekolah...semuanya serba terakhir dech...karena setelah ini gw harus balik ke indonesia and memulai perjalanan karir gw...fiuhhh...seneng juga akhirnya tugas belajar gw dari 2003 di jenjang pendidikan tinggi akhirnya selese...
BUT,, sedih juga karena uda ga ada waktu lagi utk nyante,nongkrong,maen2 and leha2 seperti sebelumnya...
sekarang waktunya gw menyiapkan segalanya utk masa depan gw sendiri...

alm bokap pernah bilang.."dik,masa depan kamu yang lagi 10-20 tahun lagi,ditentukan sekarang"...gw sadar itu..dan gw emang melakukan belajar s1 sampe double degree s2 utk masa depan gw nantinya..cuma maksud gw disini yaitu..selese sudah waktu gw utk dapet jatah kiriman uang dari rumah..bwahahahahaa...ketauan dech gw seneng minta2 uang ke keluarga..apalagi kalo uda tanggal tua..berharap cepet dapet kiriman...hjahahaaha..nice moment that im gonna miss it later...

tepat hari ini...tgl 29 November 2010
RMIT University release my second master degree...and since today i can use the degree behind my first master degree that i got July 2010
so now my name become

IKG DHARMA HARIYADI SETIAWAN, SE, M.Com, M.Fin

longer than before??i think so but i have to use all of those degree because i deserve and i earned with my own hand..but i cant earned it without the blessing from God
thanks to God because of God i can got all of those degree..

HAPPY AND SAD....

2 kata itu sekarang terbayang di kepala gw...dammm...pengen ngusir tapi ga bisa...gw pengen cuma ada 1 kata aja..tapi ga bisa...gw pernah baca buku dimana katanya HAPPY and SAD diciptakan satu paket alias pasangan...kayak manusia..uda diciptakan berpasangan...

gw happy karena akhirnya gw bisa lulus dari RMIT University karena sebelumnya gw berpikir bakalan susah banget karena pelajaran and semuanya pake bahasa inggris (hal pertama waktu baru sampe di melbourne, 2008)...bahkan gw bisa tamat dengan 2 gelar master..bangga banget..kebanggaan ini gw persembahkan buat Tuhan and Alm bokap..
seneng bisa menyelesaikan ini tepat waktu sesuai dengan jadwal yang dikasi sama keluarga..hehee..seneng bisa jadi salah satu kebanggan keluarga dirumah...

gw sedih karena banyak alasan sich..hahaha..cuma beberapa alasan ga masuk akal and cuma karena ga dapet sokongan dana lagi intinya...intinya lagi,,males ngeluarin pake duit sendiri..hahahaah
intinya gw sedih sebenarnya karena sebentar lagi gw harus ninggalin kota melbourne dimana gw sudah menetap disini selama 2 tahun lebih...banyak kenangan disini...banyak pelajaran gw dapet di negara ini...utk kedua kalinya gw ngalamin ini (sebelumnya di malang)
sedih banget..tapi inilah hidup..perjalanan hidup pasti spt ini..dimana kita harus berpisah dan bertemu orang2 baru...
dinamika kehidupan yang tidak bisa kita tebak arahnya...jalani dan hadapi,,hanya kata2 itu yang ada
waktu gw di melbourne tinggal menghitung hari...dan graduation day gw juga mendekat...wow..cant wait for that day

di bagian ini gw juga mau cerita gimana perjalanan gw selama gw menempuh course gw yang namanya master of commerce...di course ini gw hanya kuliah selama 1 semester karena gw uda nyelesein 8 mata kuliah mereka di finance...so gw bisa
selama 1 semester ini gw ngejalanin dgn penuh warna warni karena gw ngerasa pressurenya less than finance..so i feel little bit happy...i worked in 3 places over that semester..wow..earned money and spent it in online shopping..hahahaa...

in the middle of that semester i feel i cant manage my time..because im working in 3 places..i didnt have time even for relax and fix my assignment..hehehe..so i just work in 1 place...hehehee
this semester not much pressure and story about the course..like i said..less pressure than finance before but still much assignment..heheh



minggu2 terakhir (October)...itu bulan paling sibuk buat gw dimana banyak assignment harus submit..terus ada exams and take home exams...mana jadwal kerja banyak banget bulan itu.fouhh...bener2 padet merayap and gw harus pinter2 ngatur schedule gw biar ga ada yang keteteran and bisa terselesaikan semua dengan baik...tgl 27 oktober 2010 adalah hari terakhir gw...abis exams di MSAC gw akhirnya menikmati udara kebebasan dari belajar dan assignment...untungnya semua terselesaikan dengan baik dan gw bisa menikmati liburan dengan tenang...walaupun sebelumnya jam tidur gw jadi berkurang tapi gpp lah..yang penting semua selese...hahahaaha



hari ini...
gw bener2 bahagia dan gw pengen berbagi kebahagiaan itu dengan kalian semua yang baca tulisan ini...kata orang kebahagiaan itu harus dibagi biar semua orang ikut menikmatinya...

dihari ini gw pengen flasback perjalanan gw selama kurang lebih 2 tahun 3 bulan di negeri kangguru (australia),,,pertama nyampe sini sedih banget karena gw bener2 sendiri dan tidak ada even 1 orang pun yang gw kenal...bener2 little alien gitu..baru nyampe airport aja gw bingung mesti nyari siapa...cuma inget pesen alm bapak and kakak gw yang dlu ambil master di UK...mereka pesen "kamu kesana bukan utk jalan2,bukan utk hura2, bukan utk iseng2 aja. kamu kesana utk tujuan hidupmu dan arah hidupmu, peluru ini sudah ditembakkan saat kamu naek pesawat, keluarga uda ga ada peluru kedua,jadi tolong kamu jaga kepercayaan kita ini baek"
teringat akan hal itu..gw membulatkan tekad utk bisa sukses di perantauan gw yang kedua di negeri orang walau gw agak sedikit pesimis sebelumnya karena gw ga punya english yang bagus and takut duluan...tapi perlahan tapi pasti gw mulai mengenali satu persatu temen2 disini baek orang bali, indonesia ataupun orang dari negara laen,..malahan selama 5 bulan pertama gw disini..gw ga punya temen indo ato temen dari bali satupun..temen2 gw kebanyakan dari china and arab...gw ada 1 temen baek yang masi keep in touch sampe sekarang namanya Nate (lin wang)...he is so generous and im glad to his friend...

hasrat selalu pengen pulang selalu ada dalam benak gw saat itu...untungnya karena inget pesen2 mereka gw masi bisa bertahan disini dan meneruskan study yang waktu itu gw masi kursus bahasa inggris di REW
selese kursus kakak gw pesen waktu gw pulang liburan "dik, kamu lulus kursus jangan seneng dlu ya,,ini awal dari perlajalanmu disana,kuliah s2 itu ga segampang kamu lulus kursus skg,siapkan dirimu sebaik2nya"

gw memulai semester 1 gw di master of finance penuh dengan tantangan dan cobaan,,tahun 2009 tepatnya semua itu dimulai...bener2 gw dikasi cobaan sama Tuhan..untungnya dengan semangat pantang menyerah dan mengingat pesen2 dari keluarga,,membuatku bisa bertahan dan mendapatkan gelar ini...
di tahun ini gw memulai dengan masuk semester 1 master of finance..struggling banget sama lecturenya..mereka ngomong cepet banget dan itu buat gw susah utk catch up and nyatet,,,gw ga kekurangan akal,.gw pake recorder utk mengatasinya dan mendengarkan lagi dirumah..itu efektif banget buat gw...abis exams gw dapet berita kalo bokap gw masuk RS lagi..gw pulang dan end up with gw ditinggal bokap selamanya..sedih banget..hampir gw ga bisa balik and ngelanjutin ini lagi..

SEMANGAT AND TEKAD
teringat sama kata2 beliau "bapak seneng sama orang yang mau maju and sekolah"
gw akhirnya mutusin utk tetap balik and lanjutin s2 gw (refer to LOOK BACK AND STEP FORWARD I)

di negera ini..di kota ini gw membuktikan kalo semua orang bisa sukses..ga ada orang pinter ato bodoh..yang ada hanya orang males sama rajin..kalo kita mau tekun and rajin,,kita bisa kok sukses dimana aja..no matter what happen,as long as we want to look forward..for sure we can walk through...it proves in myself
disini kita bener2 di pressure utk mau rajin dengan cara mereka, sistem pendidikan disini beda banget sama di indo,,disini kita dituntut utk bener2 buat tugas and belajar and baca literature,,karena disini kita ga bisa copy paste kerjaan orang,,karena setiap tugas2 kita dimasukkan kedalam software yang langsung link dgn internet dan itu utk ngecek apa kita copy paste dari buku2, jurnal2 ato sources2 laen...ini yang buat mahasiswa2 disini jadi rajin and kerja keras utk bisa lulus..dan itu yang membedakan student disini sama student di indo...gw bisa bilang gt karena gw pernah kuliah di indo...gw ga maksud jelek2in negara sendiri..gw malah berharap negara kita bisa seperti itu...hidup indonesia

bisa dibayangkan gimana susahnya student2 disini dalam belajar and ngerjain tugas2 mereka...fijuhhh...but as long as u want to try..for sure u can

2 SEMESTER TERAKHIR DI TAHUN 2010

2 semester ini bener2 semester yang menentukan buat gw,,karena semester ini yang akan buat gw berhak ato tidak pakai gelar master dibelakang nama gw yang sudah cukup panjang..di awal tahun tepatnya semester terakhir di major finance gw..gw harus nyelesein thesis dgn jumlah 10.000 kata..wow..bisa dibayangkan gimana nulisnya itu semua dgn sistem disini...hardwork and studyhard..i can pass it as well (refer to LOOK BACK AND STEP FPRWARD II)
setelah winter holiday 2010,,gw memulai perjalanan gw utk mendapatkan gelar master kedua yaitu master of commerce...disini gw pengen sebenarnya utk bisa kerja lebih banyak karena temen2 gw bilang pressurenya ga sekeras di finance..tapi itu hanya diawal2 aja..buktinya di akhir2 jadwal gw padet banget karena assignment and exams2 yang laennya..wow...ini buat gw harus resign dari 2 tempat kerja gw..and akhirnya cuma 1 aja kerjanya (diatas uda gw cerita)..tapi untungnya gw bisa melaluinya dengan baek..fiuhhh..thanks God..
kalo di inget2 semuanya dari awal..perjalanan kali ini bener2 berkesan buat gw..benr2 amazing journey that ive ever had..thank God that U give the chance to walk and enjoy the melbourne's life..

since today also..time for me to prepare my next step..its bigger step than before...ga ada lagi jalan2,,ga ada lagi nongkrong2,,hehe
fiuhh...semangat dik...hidup baru saja dimulai..
semoga gw bisa mencapai cita2 gw selanjutnya...meraih sukses dalam kehidupan dan karir...astungkara

OPPORTUNITY

"Luck is what happens when preparation meets opportunity.”
Seneca quotes (Roman philosopher, mid-1st century AD)



OPPORTUNITY atau dalam bahasa indonesianya itu artinya kesempatan...

tapi apa kita pernah tau apa sebenarnya arti kata itu dalam kehidupan ini,,dan bagaimana kita mendapatkan kesempatan...apa kita selalu mendapatkan kesempatan?
then many people ever said that u wont get the second chances if u are not take the 1st chance..what is it for??

mari kita sama2 ngobrolin masalah itu dalam tulisan gw kali ini...

ehmmm.....

i found some examples of opportunity, then we might grab the idea what is the true meaning of opportunity and how we can get this kind of mysterious word after all..hahahaa

Examples of OPPORTUNITY

1. You'll have an opportunity to ask questions after the presentation.
2. When the opportunity came for her to prove that she could do the job, she was ready.
3. I had the rare opportunity of speaking to the president.
4. Studying abroad provides a great opportunity to learn a foreign language.
5. There are fewer job opportunities this year for graduates.
6. I would like to take this opportunity to thank everyone who helped me with this book.
7. He was given every opportunity to prove that he was trustworthy.
8. There is plenty of opportunity for advancement within the company.

what did u think guys???



for me personally,,,opportunity will coming directly after some kind of event occurred or after some kind of thing finished...

kesempatan dalam arti tulisan ini maksudnya gmana kita mendapatkan sesuatu yang berhubungan dengan hal yang terjadi didepan kita..apa yang bisa kita ambil essence dan kita jadikan peluang entah itu pertanyaan ataupun hal yang membuat kita bergerak utk melakukan sesuatu

"Learn everything you can, anytime you can, from anyone you can - there will always come a time when you will be grateful you did.”
Sarah Caldwell quotes

jadi..disini maksud dari kata ga ada kesempatan kedua bermakna kita ga akan bisa atau kecil kemungkinan mendapatkan peluang ataupun saat2 seperti yang kita dapatkan utk pertama kalinya...

so..kesempatan itu bener2 bisa merubah cara, gerakan atau pun nasib orang..sekarang tergantung gimana kita menyikapi peluang/ kesempatan yang ada dihadapan kita..apa kita ambil atau tidak...

setiap manusia dianugerahi akal dan pikiran utk mengambil keputusan dan berpikir whether take it or leave it at that...
Tuhan selalu memberi kesempatan bagi umatnya utk melakukan apapun tapi seperti gw bilang tadi...kesempatan kedua kecil banget probability nya utk ada lagi..kemungkinan ada tapi tidak 100% exactly like what was happen in the first chance...im sure for that


intinya...KESEMPATAN AKAN HADIR DENGAN SENDIRINYA SETELAH EVENT ATAU KEJADIAN TERJADI DAN MENIMBULKAN PELUANG2 ENTAH ITU PELUANG BAEK ATAU JELEK..TERGANTUNG SKG MANUSIANYA DALAM MENYIKAPINYA..TAPI KITA HARUS INGET..KESEMPATAN YANG BAGUS TDK AKAN DATANG UTK KEDUA KALINYA..SO GUNAKAN AKAL DAN PIKIRAN DENGAN BAEK DAN AMBIL KESEMPATAN YANG SEKIRANYA MENGUNTUNGKAN KITA DAN TIDAK MERUGIKAN ORANG LAIN



what do u think guys...if u guys wanna share the opinion about that..just put the comment below..i will glad to share with

UNEXPECTED THING....DISSAPOINTMENT

Today, i had the unexpected thing...the message made me shock and almost ruin my heart...but i try to control myself and back to reality

in this kind of situation we cant control our emotion and probably blame the person who make us disappointed and being mad to them...

its normal because we have a mind to think and to react with the situation in front of us,but we also could control the emotion to avoid any unexpected thing that could happen due to our bad mood..

very very tough to accept if we have this situation because the planning probably will goes wrong and we need to reorganize it again..

the word of unexpected thing and disappointment are the worst word ever,,because no one want got this word...we as a human make a plan but if something goes wrong that we called disappointment and the unexpected thing will happen.

to reduce even remove the bad mood and madness..we need to learn how to accept the situation and learn how to have big heart...if we could interpret those lesson, hopefully we could reduce the madness and stand cool whether we have this situation or not,

based on my experience..
to dealing with this situation...i have some tips



HOW TO
DEAL WITH DISAPPOINTMENT

When things don't turn out the way you hoped, it may seem like the end of the world. Here are some things you can do to keep disappointment from getting you down.

1. Stop. Calm Down. Give yourself some time. Things might not seem nearly so bad tomorrow.

2. Get your feelings out in a way that doesn't hurt you or anybody else.

3. Talk about it with your parents or a good friend.

4. Ask yourself if this is really worth getting angry or upset about.

5. Think about what you can learn from the experience and how you can do better next time.

6. Don't judge yourself. Failing at something does not mean that you are a failure.



i try all those tips to make myself calm down and touch the earth again...its very useful..i knew it was hard to interpret instead of talking and telling somebody but why dont we try to use it...
my father had been said that if we could have a big heart and accept any disappointment, we could face any problem straight forward and then looking forward for the better life.
that day i really challenging to interpret and follow my father's advice..hard to try but after all,everything goes well and i can walk like before. so calm and the situation getting warm.
experience and advice from the past are really the best teacher for me even for u all maybe.

HOW WE LIVE SO SIMPLY AND MORE SIMPLE

The lazy days of summer are behind us, but that doesn’t mean we have to be swamped by school schedules or overwhelmed by other obligations. Take the following tips to live simply all year long.

Plan Meals Ahead of Time
There are a number of websites, cookbooks and other resources that offer weekly meal plans and even shopping lists to make getting dinner on the table a breeze. Why not make it a family affair? Get everyone together to make menu selections, clip coupons and cook the meals. While you’re at it double batches of freezable meals (think soup, stew or spaghetti) that you can pull out on soccer or meeting nights.

Skip TV Tonight
Find lost time by skipping a show or two this week. Use the extra hours to read a book, talk with your children or spouse, or rediscover the special joy of an activity you love.

Clarify Boundaries
Say “no” to those activities and people that drain you or take you away from the things that really matter. If reading your children a bedtime story or studying for your degree is what is important (these are what Stephen Covey calls your “big rocks”) put them in place first and then drop the “pebbles” (another committee meeting or TV show) around your priorities.

Keep a Calendar
Organize family schedules and events on a large wall calendar that keeps everyone informed.

Combine Trips and Chores
Keeping a to-do list helps you avoid extra trips and will save time and gas. Combine household chores and other responsibilities to make the best use of your time and energy. Or make it fun by turning up the music and telling roommates or family members you are all going to join in a 30-minute cleaning session.

Manage your Finances Online
Instead of the old envelope and stamp method you can pay your bills online with just a click. Better yet, consider signing up for automatic bill payment plans. You can set these up with individual creditors or with your financial institution.

Plan Daily Quiet Time
Use quiet time for prayer, meditation or reflection; whatever strategy that centers you and helps you stay focused on your life goals and priorities.


Source: bellaonline.com