In one sentence, describe what the following article is about: Some people keep a daily journal, while others prefer to write once a week or even once a month. Start by giving yourself a schedule to get in the habit of writing. Commit to spending ten minutes writing in your journal every morning or every evening.  Try writing "Morning Pages," the creativity tool that Julia Cameron popularized in her book The Artist's Way. Each morning, before you do anything else, write three full pages, longhand, in a notebook. Don't check your work or think too much about what you're writing – just get it out.  Try keeping a monthly check-in journal. At the end of each month, write an entry about the main events that happened. Explain what happened, what you loved, and what you learned. Track how you grow and develop each month. If you are pouring your deepest, most vulnerable thoughts into this book, then you probably don't want anyone else to pick it up and start reading. Carry the journal around with you for safety and convenience. Alternately, hide the book in your home or office: under your mattress, or behind other books in your bookshelf, or in a safe or lock-box. If you're keeping a digital journal, make sure to protect your documents with a password or save them to a hidden folder. Every once in a while, read over what you have written in your journal over the past few weeks or months. Flip through the journal entries that you wrote years ago. Compare the way that you thought about things then to the way that you think about things now. Remember the past so that you are better prepared for the future.  Notice how your journal entries sounded at a time when you felt sad, stuck, or frustrated in life. Try to catch yourself when you are writing like this so that you can do something about it. Notice how you were writing at a time when you were happy and excited about the future. Think about how you can channel this feeling.
Summary: Write regularly. Keep your journal safe and secure. Use your journal to understand your growth.

Don't hit the snooze button, linger in bed, and watch TV at the very start of your day. You probably didn't factor in an extra 10 or 15 minutes in bed when you planned out what time you'd need to wake up in the morning in order to get to your scheduled events on time. By getting up late you are setting a pattern of lateness for the rest of the day. Those extra minutes in bed will add up and push everything else back, so get up as quickly as you can.  Place your clock on the other side of the room to help force yourself to get out of bed. This gets you up and moving, and makes it impossible to hit the snooze button. Try stretching, splashing your face with water, and brushing your teeth right away to wake your body up more quickly. If you can't get out of bed on time, you may be going to bed too late.  Go to sleep earlier to see if that helps. This makes it a lot easier to get up on time and helps you stay on task during the day. Unless you know otherwise, assume you need eight hours of sleep every night. For example, you might be under the impression that you take a 15-minute shower, assuming that starting at 6:30 you can leave at 6:45. But, what about the time you spend before and after the actual shower? It's quite possible you really spend 20 or even 30 minutes in the bathroom, and that's why you can never leave by 6:45. So, think about the things you do every day, and try to keep an estimate of how long it takes you. Time yourself a few days in a row to see how long it actual takes you to perform certain tasks. Use a stopwatch and record the times over the course of a week, then average the times so you'll have an accurate indication of how much time to plan for each activity. What do you get caught up doing that prevents you from getting out the door? "Time sinkholes," like getting distracted while checking emails, spending too long curling your hair, or stopping at a coffee shop on the way to work are often unnoticed by us, and can throw off daily planning. When you discover a sinkhole, try to change your habits around the activity to make it faster.  For example, standing up while quickly checking your emails makes it hard to lose an hour randomly surfing the web. Set the time 5 minutes earlier than the actual time. This means you should always be at least 5 minutes early for an event or meeting. For instance, if you have to leave your house at 8 for work, tell yourself, "It's 7:20, I should be getting in the shower." "It's 7:35, I should be brushing my teeth." This will help keep you on track. It is useful to think up a morning schedule to get used to this habit. Consider printing out a schedule you can reference throughout the morning. Post it up in your bedroom, office, kitchen, and other places where you'll be sure to see it. Maybe you're often late because you schedule back-to-back appointments without leaving enough time in between to move from place to place. Examine your schedule and make sure each activity is buffered by several minutes before and after so you can spend that time traveling, resting, eating, and doing other things you need to do between appointments. If you tend to space out and forget what time it is, you probably need more clocks in your life. If you don't like wearing a watch, have your cellphone on hand at all times. Wall clocks are attention-grabbers that help people stay on task, too. Make sure all your clocks are set to the same time, so you don't get confused.  Utilize timers, alarms and reminders throughout the day as well. For example, you might want to set your phone to vibrate or ring when you have 10 minutes to go before your next class or meeting. Some people intentionally set their clocks several minutes fast in order to trick themselves into getting to places early. You could try this to see if it works for you, but many people find that they just mentally adjust their concept of what time it is to account for the extra minutes, and they end up late anyway. Knowing what time it really is will help you stay grounded and punctual.
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One-sentence summary -- Get up the second your alarm goes off. Re-examine how long your daily tasks really take. See where you often waste the most time. Change the time on your watch. Make a note of where you should be in regards to time. Don't overbook yourself. Surround yourself with timepieces.

Problem: Article: Find out if your credit company will allow you to set your payment due date. Many companies will let you select whatever date you wish. Choose a date that you can remember easily. You may also want to choose a date that coincides with your payday, so you will be able to count on having money available. One helpful tip is to set your due date on the same day as your birthday. For example, if your birthday is on April 12th, you could set the 12th of each month as your credit card payment date. Give yourself physical reminders that your payments are due. Write the due date in your calendar. Post it on your cell phone. You can even set an alarm on your phone to alert you when your payment is coming due. You might even want to post notes on your refrigerator, if you are likely to see them there. Anything is a good idea, as long as it works for you. Even more than just using your cell phone calendar, you can use current Internet sites as reminders. Websites like MemotoMe.com or RemembertheMilk.com can be scheduled to give you a monthly reminder a few days before your payment is due.  MemotoMe.com lets you create a private account, protected with a password and linked to your email. You will receive notices when your dates are coming due. RemembertheMilk.com links to your email as well as other social media interfaces. Give yourself enough advance notice to write and send the payment.
Summary:
Set your payment due date. Make reminders for yourself. Use current technology to help remember.