INVEST IN THE PROPER TOOLS NEEDED TO GET YOUR PROJECTS DONE MORE EFFECTIVELY. In the long run, it is far more costly to make do with outdated tools and ineffective equipment than to buy what you need to get the job done.

MINIMIZE "SCHMOOZING". Don't let friends and classmates waste your time. Schmooze at lunch or during breaks. Tackle your work the rest of the time.

START A GREETING CARD FILE. Buy a few dozen birthday, anniversary, get well, thank you and congratulations cards and file them according to occasion. This will save you dozens of trips during the year and assure you of always having card on hand for emergencies.

SHOP FOR GIFTS YEAR ROUND AND START A GIFT CLOSET. Whenever you see a nice gift item on sale, pick up a few of them and you will always have an appropriate gift on hand.

TAKE A SPEED READING CLASS, and learn to type faster. You can do both on a personal computer. Investing this time now will save you infinitely more time later.

UTILIZE DELIVERY AND PROFESSIONAL SERVICES. Ask yourself, "Will doing this cost me more in time than it would in money if someone else did it for me?" If so, pay to have someone else do it and utilize your time more effectively.

IF YOU HAVE A PET, GET A LOW MAINTENANCE PET. Cats are less work than dogs; small birds are less work than cats; fish are less work than birds.

DON'T LET CLUTTER ACCUMULATE. Clean as you go.

AVOID PEOPLE WHO DRAIN YOU. It's good to invest time in people, but there are certain individuals who practically suck the life right out of you. They exhaust you. Identify those individuals in your life and limit your exposure to them.

EXERCISE FOR ENERGY. Improve your health and you improve your life, extend your life, and accomplish more with less fatigue. Make time for exercise.

EAT FOR ENERGY. Eat a variety of wholesome, nutritious foods and resist the temptation to overeat.

STUDY THE HABITS OF PRODUCTIVE PEOPLE. You don't need to reinvent the wheel. Just do what the wheel-maker does. Observe and imitate the time management experts around you.

DEVELOP YOUR FILM BY MAIL. You'll save time and money.

LEARN TO SAY "NO". You are not superhuman. There is a limit to your energy and ability to accomplish an endless list of tasks. Say "no" to low priority items. Repeat after me: "It seems like an exciting project and I would love to do it, but I have already committed to another project that is consuming all my free time. Thanks for thinking of me though."

CLUMP ANNUAL CHECKUPS, DENTIST, AND RENEWALS TOGETHER IN YOUR BIRTHDAY MONTH. You'll never forget annual items if you do them in your birthday month.