A to do list is a personal productivity tool. It is the easiest and most effective tool. Think about the things you need to do, write them using a system you trust. This will make your mind free. In this article I am going to show what is my system to write and make to-do lists.
Keeping a budget is vital for saving money and preparing for the future. But it is hard sometimes to look at our finances with a sharp eye because money (or lackthereof) is a scary thing. It's easier to use a happy blend of digital and paper systems to help you create and keep your perfect budget. For me, a pen and paper financial planner is just what I need to stay on it and take my finances seriously.