Showing posts with label personal. Show all posts
Move your Files to Relevant Folders with Ease
You’re pretty organized in your real life but your computer desktop is a complete mess of files because you have the habit of saving everything on your desktop first.
The pictures that you transferred from the digital camera, your email attachments, documents, program installers, etc. are just scattered on your desktop and you rarely get the time to organize them into relevant folders.
The pictures that you transferred from the digital camera, your email attachments, documents, program installers, etc. are just scattered on your desktop and you rarely get the time to organize them into relevant folders.
How to Keep your Desktop Tidy
Would you therefore like to have some sort of a “wand” that can bring order to your desktop without much effort? Enter DropIt, a free Windows only utility that can automatically sort and organize your files based on your own rules.
DropIt adds a tiny “drop” icon to your desktop and any files or folders that you drag to this icon are automatically sent to the right folder according to pre-defined rules. And you don’t have to be a geek to create such rules.
For instance, you may set up a simple rule saying that all the PDFs and Word documents (*.doc;*.docx;*.pdf) should go to the My Documents folder while the MP3s and Videos (*.mp3;*.mp4;*.wmv) be moved to the Media folder. [via]
Would you therefore like to have some sort of a “wand” that can bring order to your desktop without much effort? Enter DropIt, a free Windows only utility that can automatically sort and organize your files based on your own rules.
DropIt adds a tiny “drop” icon to your desktop and any files or folders that you drag to this icon are automatically sent to the right folder according to pre-defined rules. And you don’t have to be a geek to create such rules.
For instance, you may set up a simple rule saying that all the PDFs and Word documents (*.doc;*.docx;*.pdf) should go to the My Documents folder while the MP3s and Videos (*.mp3;*.mp4;*.wmv) be moved to the Media folder. [via]
How to Pay Back a Debt
Paying back a debt may not be as easy as acquiring it and this is why many people avoid getting themselves into debts such as loans or mortgages. However, once the borrower finds ways on how to pay back a debt, one day at a time, it becomes much easier to settle the debt. Debt repayment requires a lot of budgeting and a person who is smart enough to prioritize the things he requires will have an easy time getting out of a debt however big it may be. Below are some tips that are important for a borrower to consider when planning paying back his or her debt.
1. Understanding the debt owed
* Avoiding the debt or pretending there is no debt does not help the situation since the debt will remain there and most probably increase.
* The person should get to know the entire amount he or she earns and how much the credit card has listing every debt for each card or loan.
* Once the figures have been added up and the borrower knows how much he has to pay back, he can now find ways of paying back the debt one day at a time.
2. Classifying debts according to priorities
* Once all debts are known and the amount of money they cost each, they should be prioritized depending on various factors.
* The high interest debts should ideally be the first to be paid back while those that affect the individual’s tax return should be paid the last.
3. Earning more to repay the debt
* Once the prioritization has been done and a clear guideline is designed on how to repay the debts, the person can look for sources in his budget that can pay back the debts.
* More money can be found by reducing unnecessary expenditure such as partying costs and dinner dates among others.
* One can also get extra money to repay his debt by finding a job that pays better, getting a second job or starting a business that will bring in more money.
* A home equity loan can also be acquired and be used for paying back the debts.
4. Debt renegotiation
* Renegotiating the debt repayment terms is also another wise way of faster debt repayment.
* A huge amount of money can be saved if paying back the debt in pump sum saves on the interest that would have been charged if the debt was to be paid back on monthly basis.
Paying back a debt is not a hard thing to do if the tips above are followed to the latter. The most important thing that should be considered when planning to easily repay a debt is the needs and the wants in life. Categorizing activities into the wants and needs groups will enable one to define what things are more important in his or her life and which ones can be shelved for some time until the debt is fully settled. People should therefore not avoid taking loans or mortgages since they are designed to help people out. The only lacking ingredient to a stress-free life is a smart way of paying back the debts acquired.
