Do you jump out of bed in the morning ready to start your day?


Do you hit the snooze button and hide under the covers dreading a new day?

Some people claim they are not a morning person. I’m not asking you to wake up at 4AM or to have a lengthy conversation before 10AM. I’m suggesting you begin your day knowing what you want to accomplish – start your day with purpose.

It’s easy to do by identifying something you want to accomplish that day. Something outside of your normal activity.

Keep it simple and be honest with yourself. Each day is limited in the number of hours. Even though we have a hard time believing it, we do not possess super human powers. No one will give you a gold star for achieving everything you want to do.

By identifying no more than three things you want to accomplish in a day, you begin your day with purpose. These items are beyond your normal activity. I’m not referencing running regular errands or going to work.

I’m referencing tasks you’ve been meaning to accomplish but haven’t gotten around to doing it yet. Here are some examples.

It could be a task you’ve been postponing, such as finding an estate planning attorney to update your will.

It could be time for self-improvement, such as dedicating an hour daily to strengthen your Spanish speaking skills.

It could be work-related, such as expanding your professional network by meeting a new contact daily.

There’s no limit on what you can accomplish beyond your normal activity. Pick anything you can think of and target getting it done that day.

If you have a large task, break it into achievable segments. For example, look at the second example. Strengthening Spanish speaking skills isn’t accomplished in one day. It’s broken into hourly segments.

How you start your day can impact the rest of your day … so why not start your day with purpose? Try it for a month and see what you can accomplish. Stay PEF (positive, enthused, focused) and make 2017 your best year ever!

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Niv Persaud, CFP®, CDFA™, CRPC®, is the Founder of Transition Planning & Guidance, LLC. Life is more than money. It’s about living the lifestyle you want and can afford. For that reason, Niv consults with clients on money, life, and work. Her approach capitalizes on techniques she learned throughout her career, including as a management consultant, executive recruiter, and financial advisor. Her services include spending plan, financial plan, divorce financial review, life strategy, and professional progression. Niv actively gives back to her community through her volunteer efforts. She believes in living life to the fullest by cherishing friendships, enjoying the beauty of nature and laughing often — even at herself. Her favorite quote is by Erma Bombeck, “When I stand before God at the end of my life, I would hope that I would not have a single bit of talent left and could say ‘I used everything you gave me’.”