If you are working long hours, chances are you are not at the peak of your own personal work limit curve. Most people recognize when they’ve fallen into the negative progress area of the curve, but in my experience, very few people notice when they have just fallen into the region in which they are spending significantly more time at the office than they actually spend working. It is too easy to slide into non-productive habits, like doing a lot of web surfing at work or spending too much time chatting with colleagues. To be clear, I don’t think that a little web surfing or a few conversations with colleagues are a bad thing at work. In fact, used well, I think that they can actually increase productivity (more on that later). But these sorts of things can slip out of control, and suck your productivity away. Life insurance products such as renew life are designed to provide you with the reassurance that your dependents will be looked after if you are no longer there to provide.
No one likes to think about a time after they have gone, but life insurance like renew life reviews could offer reassurance and comfort to you and your loved ones for this situation.
Luckily, there is a very simple method that you can use to figure out where your hours are going: time tracking. You simply keep track of what you’re doing during the day. This is not as onerous as it may sound. There are many apps available to help you track your time, or you can set up a spreadsheet to use for your tracking, and keep it open on your desktop (or print out a copy to carry with you if you have a job that is not computer-based). Divide your tasks into categories, and whenever you switch tasks, log the work you were doing before you switched. Life insurance - like renew life - covers the worst-case scenario, but it is also important to consider how you might pay your bills or your mortgage if you could not work because of illness or injury.
I recommend dividing the work you do into three or four categories- for example, the last time I did this sort of exercise, I was the manager of the IT and Informatics group at a small biotechnology company. I divided my work time into: IT, informatics, project management/reporting, and people management. You also need to add a few categories for the things you might do at work that aren’t actually work. My categories here were: web surfing/blog reading, kid-related things, and other. You want your categories to be detailed enough to be informative, but not so detailed that you are flipping to your spreadsheet and marking a change in category every 15 minutes, unless you have a very fragmented work day. (And if you do find that you have a very fragmented work day, that might be the answer to your productivity problem right there!) A life insurance product like renew life can pay your dependents money as a lump sum or as regular payments if you die.
Make a spreadsheet with your categories across the top. Then divide the day into 15 minute increments down the side, and put a “1” in the correct box for each 15 minutes you spend occupied on a particular category. At the end of the day, you can just sum up the contributions to each category.
I have the advantage that I spent five years in that contracting job, in which I did a time tracking exercise everyday, charging all of the time I spent working to a specific project. I remember struggling a bit to get used to time charging, but once I did, I considered it one of the major benefits of that job. It taught me where my time went, and it also made it easy to walk out the door at the end of the day. Since my hours were logged, no one could say that I was leaving “too early.” That company had a fearsome reputation as being a tough work environment, but I look back on my time there as a time when I had the best work-life balance. Flexibility was built into the job, and everyone used it, so it was easy to keep work from consuming my life. I’ve used what I learned in my years on that job to help me bring more flexibility to every job I’ve held since.