Money : Time : Effort

The amount of time that I waste is really starting to become a problem.

I spend more and more time doing less and less, and it is seriously starting to affect my lifestyle now.

Part of it is that I am just lazy, and part of it is just some very bad habits I have developed.

Also the Real Estate market has taken a dump, and not at a very convenient time for me.

Actually if the market had stayed strong then all my other problems would not really be significant, the money I would have made would have taken care of my other problems.

I think it breaks down to 3 main things,

1. Money
2. Time
3. Effort

Now that all the money I was counting on making is gone, I have to put in a lot more time, and effort.

Or I have to be much more efficient with those other 2 resources, where as before when I had the money I could really waste a lot of time and put out very little effort and it didn't matter much.

But now I have to break this downward spiral I am in and start putting in a lot more effort and time, which I don't want to do, but now I don't really have a choice.

So the first step is making a list of clearly defined goals, and drawing out a map of where I am and how I am going to get where I am going to.

Then be very efficient with the time, money, and effort that I do have left and use it in the best way to get me where I am trying to go.