How adjusting your work-life balance helps you pay off your debts

Yup! You heard right. It’s not only working like a donkey that gets your numbers out of the red zone. Taking a break and enjoying life is just as important. Now, if you are rocking two or even three jobs with a one-hour commute, you are most probably shaking your head about this whole work life balance thing. But then again, take a moment to think it over. You don’t need to earn billions per year, travel all over the world to chill out in the most exclusive places and get down and funky with high-class escort girls from elite escort agencies for a couple of hundreds per hour. To find some peace of mind, you do not have to sit on the sunny terrace of a 5* chalet in Lausanne looking over the Swiss alps and sipping champagne with one or two ladies or that stunning ski instructor from the luxury resort next door.

All you need is some free time, a nice place to sit down for a while – outside your daily comfort zone – and the will to chill!

What is the concept behind the term “work-life balance”?

It’s quite straight forward. A perfect work life balance means that you are investing just as much time into your work as you do into your free time. And that is how far the theory goes for about 95 % of all working people. Let’s look at some facts:

Splitting up an average working day of a normal employee aged between 25 and 54 with two kids, the Bureau of Labour Statistics came up with these numbers (approx.):

  • Work: 9 hours
  • Sleep: 8 hours
  • Leisure & sports: 2.5 hours
  • Eat & drink: 1 hour
  • Household activities: 1 hour
  • Caring for others: 1.5 hours
  • Other activities: 1 hours

That is one third of a day spend at work. Not too bad, actually. But if things go belly up on the financial side, these 8 hours just won’t cut it in order to make ends meet. According to “USA Today” the number of Americans juggling up to three jobs a day to pay off their debts has been at an all-time high in the last eight years! There’s even a name for those working the night shift after their “normal” job: moonlighters. If you balance up to three jobs plus family, the thought of squeezing in some “me-time” will probably make you laugh out loud. And the idea that this bit of free time can really help you reduce your debt seems pure science fiction. But when you put some thought into it, turning the dial only just a notch towards “life” can really make a difference.

Stop. Think. Act.

Three words that describe a perfect approach to almost any given situation. While shopping, arguing, scuba diving or simply living your life. If you find yourself in a situation where you have to balance up to three jobs so that you and your loved ones can make ends meet, something is obviously going wrong. You can, of course, blame anything and everyone – from faith to politics and the weather – or you can just chill out for a while and do nothing. Absolutely nothing. Just take an hour and sit somewhere without too many distractions. A park, for instance. Because doing nothing is a great way of finding enough peace to mentally hover above yourself and to take a look at what is going wrong, what’s OK and – just as important – what you like about your current situation and what you would really love to do. This won’t happen the first time when you’ll take that hour or those 30 minutes for yourself. But that’s just fine … it is a bit by bit process after all. And once you’re sitting on the park bench, looking at nothing and enjoy wasting a bit of your precious time, you are actually adjusting the scale of your work-life balance. In consequence, you are beginning to understand what needs to be changed and can then begin the process of doing so. If you like this train of thoughts, have a look at this well written and interesting approach and step by step guide from “skillsyouneed.com”.

30 minutes. Every day or once a week. Time for you and you alone. Time to chill and to reflect. Time to come up with a new idea or another approach. Time to make things better!