We all hear about automation in the workplace. It might be a macro for your spreadsheets, or a script to have your computer click buttons for you, or even something as simple as setting up rules for emails to be pre-checked before you even read them. But what about at home? Do you even know what you could automate at home?
Well let's cover some of the basics. Every month you pay bills. Are you logging into every site you owe money, and manually typing in credit card numbers? Almost every bill you have can be automated. Autopay for all your bills will probably take you about an hour or two, if you have a lot of bills, to set up the first time. Then after that, paying bills might take you about 10 minutes a month. And that's if you are going around to check that you're paid up. Trust me on this. Most companies have no problem waiting 90 to let you know that you've now missed three payments. So remember to check that your autopay has the right card, or account number tied to it still.
But that's just for bills. What else can we do? How about your retirement? Or saving money? Are you logging into your bank and moving money to each account? Why? Do you have direct deposit? If you don't, find out if your work offers it. Not having to drive to the bank to deposit a check saves so much time by itself. But why not have some of your money already being placed into a savings account before you even see it? This is simple with direct deposit. You just add another account, and say put money here with each paycheck. It's that easy. And now you've got a safety net building up. Same thing with retirement. If you have to move the money yourself, then you will forget, or won't do it.
If you need more help with this, check out Ramit over at I Will Teach You To Be Rich. He'll change your life.
And to expand on saving money, https://www.simple.com/ will be your best friend. With Simple you can set goals. And they will "remove" the money from your account and put it in a temporary account. You say how much you need and when you need it. Simple will then pull money out of your account everyday and put it into that bucket. And as soon as you reach your goal, and spend that money, you just mark to pull from that bucket and Simple will do the rest. It makes saving money way too easy not too.
So get out there and automate all aspects of your life. And if you can do that, you'll find that automating things at work that much easier.
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