CaliLivChick

You could exercise 1 hour a day, weekday or weekend (what makes your routine different on weekends?), that would give you an extra two hours. If your friends/dates work out at the same gym, make a workout date (I do that with one of my friends).

Instead of watching the news every day for an hour, listen to the radio in the morning, or have the morning news on while you're getting ready for work. I find those newscasts less depressing than the evening news, and they cover the major headlines, so if the world is ending, you'll still find out. That would give you another five hours.

If you don't already, try multi-tasking. The news while getting ready/going to work is one way. Another way is to have a stock market ticker on your computer at work/home. You can ususally program those to show the stocks you're interested in, and you get the quick summary whenever you glance at it.

As far as money management/bills, do you use online banking? I was hesitant to use it at first, but now that I've gotten into it, I love it, and wouldn't trade it for anything. If you've seen the Bank of America commercials about online bill pay, they're not kidding. Whenever I get a bill in, I pop on the computer, enter it onto the website, tell it when I want it to be paid, and pop off. Two minutes, tops.

I also maintain a spreadsheet instead of having a checkbook register. I check my bank account every couple of days online, and if there's something on there that doesn't look familiar, I check it against my spreadsheet. If it doesn't match up, then I call the bank. In that spreadsheet, I budget ahead for all the bills I know I'm going to have, and most of the amounts stay pretty steady, and I can roughly budget the ones that change. That way, I know how much play money I have. I have money automatically transferred from my checking to my savings every pay period, and have that budgeted in to my spreadsheet as well, so I can build up my savings account without even thinking about it. Combine all this with the muti-tasking for stocks, and the five hours can be brought down to two, and that's a high estimate. Three hours saved there.

So if your eleven hours of internet time is so important to you, fine, with the steps above, you can probably save an additional 10 hours per week, making your free time 16 hours per week, more if you workout with friends/dates.

Good luck. =)

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