debt debs

Personal Debt Wrangler – Had my money head in the sand – but no more!


The New Multitasking – Fragmentasking


MultitaskingDoes the word multitasking make you feel energized and alive?

Not the first thing you think of?  It used to be such a cool word when it was the new black.  Kinda like twerking got popular this year (although that word wants to make be barf).  How about selfie?  It’s sorta cute in a narcissistic kind of way!

My form of multitasking is so fragmented, that I wanna coin a new term fragmentasking.  It basically means flipping around from this to that until the time allotted runs out or you go to bed.  Whichever comes first. Fragmentasking sounds like frugal and fraggles so I’m all over that.  Do you fangirls and bros think your tweeps can relate to that?

So on that topic, here’s what my fabulous and frugal days have me fragmentasking about lately, in no particular order, I give you…


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Home Hardware: UHF/VHF/FM/HDTV Compact Outdoor Antenna – $134.99

Digiwave Digital TV Antenna ANT7286

WALMART: Digiwave Digital TV Antenna ANT7286 – $89.97

1.  Two weeks ago I let you know we were joining the cable cutting club even though, we actually starting discussing this back in March and I even reached out to fellow blogger Kay at Green Money Stream inquiring about what type of digital antenna they got.  The Irishman has been researching Walmart, The Source, Staples and Home Hardware but we still are antennaless, and alas not cableless … yet.  Enough already.  I still don’t know how I’m gonna watch THE LITTLE COUPLE yet (man I love that show! eeek… I forgot to watch it last night!!!  Oh, man, I guess I won’t miss it that much), so that’s on my fragmentasking list to research.

2.  I had a killer week last week – a project Go Live and there was a last minute glitch identified Tuesday that had to be addressed by Thursday so we could run all the batch jobs over the weekend.  Some configurations had to be updated that had not been detected during testing (grrr…) so three twelve hour days later all the work was completed.  I had to really ignore my fragmentasking during this time because I suck at it and apparently Stefanie from the Broke and Beautiful Life does too.  So I followed the advice I gave Stefanie and said “Hold all calls” (in my head, gee I’ve always wanted to say that), until the work was done.  A little bit of fallout this week that I’m dealing with, unrelated to the initial issue, but hey, that’s life my job.

3.  After a nice Father’s Day brunch at one of my daughter’s, The Irishman, my youngest and I actually spent Sunday afternoon working on stage 2 of garage cleanup.  It was easier with three of us doing it together and I was really pleased that my OCD daughter was able to put herself out there and brave the dirty disgusting garage.   We sorted through a bunch of stuff and The Irishman took a load of donations to Value Village.  Weather was great and we were tired and sore by 5 p.m.  A bunch of garbage got picked up today on trash day.  Good riddance!  Stage 3 fragmentask and possibly 4 will be needed, but they should get easier, now that we’ve cleared up a lot of room.  Not the funnest day to spend Father’s Day but he seemed pleased with the progress and I was a happy mama!  Here’s a before picture but you can’t see final until it’s all done!

garage-before-cleaning4.  So needless to say, with Father’s Day and garage cleaning, I haven’t made any progress yet on my stock portfolio tracking to get comfortable with making the big move to a self-managed retirement portfolio.   I’m very meticulous and very nervous so this will take me some time, but I’m committed to do this.  Is anyone else hearing about a stock market correction?  I keep hearing one is coming, but the quick glance at the daily emails I get, so far so good.

chip-system-grocery-saving5.  Another fragment on my plate is dealing with how to reduce our grocery bill which for us is $800/month but it includes pet food, paper products, toiletries – basically anything we buy at Costco, any grocery stores and Shopper’s Drug Mart.  I use MINT so it’s just easier to have all those stores go to our grocery budget line.   We’ve  been eating our pantry right now so that’s all we’ve done in the short term, but still need to delve in it more.  One idea I’ve had (since The Irishman seems to love going to grocery stores ug and we like to use credit cards to get the cash back rewards), is to use a copycat cash system.  I would get 30 poker chips and two baskets – one spent and unspent.  Every time one of us spends $20 of this grocery budget, we move a chip over to the spent basket.  This way there is a visual of how much money is left and we need to figure out how to make it last until the end of the month.

6.  On the topic of savings, Money Ahoy’s Derek is preaching to my choir when he said Turn Off Your Outside Lights at Night.  I don’t believe you need to leave the outside lights on when you go to bed or even later in the evening.  The Irishman likes to leave the back deck light on for security reasons but I think it’s redundant.  We had front yard lights on a few weeks ago when he left his truck unlocked and someone went in and stole his GPS.  Grrrr… laughs on them though because they didn’t take the charger and the dang thing never holds a charge anymore.

7.  I tried been trying to keep up with my blog reading and it’s not that easy.  Wave your hand if you also have that problem.  I can get caught up one day and then fall right back behind the next.  I’m a little anal and hate to miss a cool post so I pretty much scan them all or at a minimum read the title and see if it ‘speaks to me’.  That, coupled with finding new blogs to read and going back to read replies to comments I’ve left leaves me in a big taskfragging heap and we’ll just leave it at that.  😀

8.  In my blog blitz catchup earlier this week I came across The Addiction of Momentary Pleasure and Seeking the Peak from Trent @ The Simple Dollar and I’ve been giving it some thought as I soak in the tub (fragmentasking at it’s best!).   I guess it’s really all about the law of diminishing returns and finding that sweet spot where pleasure is maximized and more doesn’t lead to minimize it.  Confused?  Go read Trent’s post.  It’s kinda cool.

9.   Speaking of momentary pleasures, for a fleeting moment I got to dream about my future after reading Mr. CBB’s Can you picture yourself living the retired life?  It doesn’t mean I’ll be fragmentasking any less, but on my own terms, you betcha!

The Addiction of Momentary Pleasure and Seeking the Peak – See more at:
The Addiction of Momentary Pleasure and Seeking the Peak – See more at:

Images courtesy of
Prakairoj / Business Man And Post Memo Around Body
Salvatore Vuono / Casino Chips


Author: debt debs

I am a fifty-something wife, mother and new grandmother, who admits to having their “head in the sand” about their financial situation until amassing $247,500 worth of consumer debt for a total debt of $393,500. We've paid $121K in 2 years with four more years to go. Join my journey at sharing ideas and motivation to all those coping with poor money management and bad debt decisions.

38 thoughts on “The New Multitasking – Fragmentasking

  1. I can multitask (and more often, I fragmantask!) but I am no good at it. I have a hard time focusing on things – I have to just get them done in one go and one thing at a time to really do it well. All too often, I forget about one of the tasks I am trying to do and it ends up being sort of disastrous.


  2. Oh no, no, no… no. I’m terrible at multitasking. I can only concentrate on one thing at a time – I usually do that one thing well. If I try doing multiple things at the same time, nothing gets done.


    • Yep, actually you can sort of apply that analogy to debt. If you just pay a little on all, nothing gets wiped out. But if you use the snowball method and clear them out one by one it’s like striking off things on your to do list! Thanks for visiting Aldo!


  3. Ugh, I’ve been terrible lately. Some latent technology induced ADD. I’m jumping around from here to the next thing and I have a hard time focusing! I’m waving my hand — I have a hard time keeping up with all my fav blogs and peeps. 😦


    • Don’t stress about it, Mel! I only mentioned it so peeps and tweeps don’t feel like they’re the only one not keeping up. You know the motto – misery loves company! ha ha


  4. I cannot cope one bit with multitasking. I like a structure where I do one thing at a time. I visited the nursery at my school yesterday and they had so many activities going on at once. Chaos!


    • Stuff like that frazzles me too, DBC. You know what I’m also having a hard time with lately? Background music. I think it’s because I’m going a little deaf. Whenever I go to my kid’s places they always have music playing on their smart phones on the counter and when there’s a lot of people conversing in the room, I find I have a hard time following just the one conversation I am in with the other chatting and music playing in the background. I think your comment kinda reminded me of this.


  5. I’m definitely a ‘one thing at a time’ sort of person – I can barely speak to my wife and spread butter on my bread at the same time! I literally have to stop all other actions, and focus on speaking / listening. And yes, it gets even harder to do when I’m driving…

    I felt pretty overwhelmed before I even got halfway through your post with all that crazy fragmentasking! It all does sound kind of exciting, but I try my best to keep life simple 🙂


  6. I used to like saying I was a good multitasker, but I’ve read so many things about how it’s a time suck and not actually productive, that I’ve stopped trying for the most part. Unless I’m cooking, because I always wander away from the kitchen! I’m sorry you had a bit of a rough week at work – hopefully everything has settled now. I like your idea with the poker chips – a visual of how much is left is always good, and it seems like a simple system to keep up with.


    • I know you’ve been looking at your grocery budget too! Yours is so much better than mine, even though you think it is still too high. I think my poker chip idea is worth a try.


  7. Ha! Some days I feel as though I am multitasking well and some days I am definitely fragmentasking. And I hear you on keeping up with blog commenting. There are so many blogs that I would love to keep up with regularly, and just can’t because other fragments fall on my plate. As far as the grocery shopping, I have a couple client who had an issue with this. The hubby was the shopper and he always overspent (close to $700 a month for 3 people and a dog). So we put him on a cash diet. He got $100 a week for groceries and whatever he didn’t spend on groceries, he got to keep for “fun.” If he spent all of it, they had to eat whatever was in the house until the next Sunday when he got his next $100. And he is doing awesome!! His wife doesn’t “nag,” they don’t have excess food in the house that goes to waste and he has extra beer money.


    • Hey Shannon, that is really encouraging about your client’s. The Irishman is exactly like that. I don’t want to do the cash because we get points on our card, but if I can do something that mimics it I will. Eventually if it does not work, who knows, I may go the cash route. Ha ha ha.


  8. Thanks for the shout out, I STILL suck at multitasking. What I’ve been trying to do is set time limits instead for each task. I think it’s working? haha. As for blog commenting and reading, I think I’m having to adjust my strategy. There are simply not enough hours in the day, so I’m trying to just get to it once every two days now.


  9. Your job sounds a lot like mine! Go live’s/implementations gone awry…lol! No shortage of stress that’s for sure! I often am working on multiple projects so I am forced to multitask and I have learned to manage it fairly well over the years. I would prefer to work on one thing to completion but that’s not feasible. Regarding keeping up with blogs and commenting/sharing posts. I do try my best and some days I’m on fire whereas others days…well I wait until I am on fire again 🙂


  10. Debs,

    That stinks about the GPS. I hear that most home breakins are during the day and most car breakins are during the night – go figure…

    Thanks for the mention 🙂


    • I know, ay? We haven’t replaced the missing GPS. He’s using mine for now and I think it’s going to be a long while!

      Your welcome, I’m a bit of a power nazi but my oldest daughter wins the prize. Her husband teases that he has to stumble around in the dark half the time. I said, just don’t fall down the stairs. I had an experience trying to walk down the basement stairs in the dark when I came home from babysitting once as a teenager. My bedroom was in the basement, and I had my arms full of my school books. Normally I would take them down to my room and then come back up the stairs to turn off the light and then fumble around hands free to make it back down to my bedroom. Well that night I was dog tired and wanted to go straight to bed, so I kept the light off. Big mistake, I didn’t break anything but had two huge welts on my shins where my legs hit the stairs and almost passed out. Needless to say, my Mum had my Dad install a two way light switch the next day. I think my Dad felt pretty guilty of never thinking to do that before. hee hee


  11. I’m right there with you on #7! My inbox is currently overflowing with cool-sounding posts, because I didn’t get to read any yesterday…


  12. Love the term fragmentizing! it sounds just like me. I have so many fragments on my plate right now – most of them from the office – that I am ignoring some other very important fragments. Time to readjust this weekend! Also, your poker chips/basket plan sounds great! We love our rewards too, but something so simple like that could go a long way for a visualization of what money we have left, like what cash would do. Sometimes it just takes something super basic like that to make it click, right?!


    • I let you know how poker chips works out. With my luck he’ll say he forgot to move them from one basket to the other and then I’ll have a hissy fit and threaten to post WANTED posters at every entrance to the grocery stores so they won’t let him in.


  13. I love to think and tell myself that I can multitask with the best of them. I even tell my wife that she should multitask (why I don’t know) but I know darn well that I get less done when I am trying to multitask. I was never a good juggler so it’s no surprise why I’m not really that good of a multitasker. 😉


  14. Food/groceries are definitely my biggest budgeting weakness. I like expensive chocolate, cheese, organic milk, and on and on and on. I hear you about the rewards points — but I decided that at the level of spending I’m at (aiming for $250 a month) the rewards would be only the equivalent of $2.50, and I should be focusing more on keeping the budget down than on earning that. So I’m trying cash to see if it helps keep me in check. You might try it for a month or two and see how it goes?


    • Hey Cecilia – for us the points are definitely worth it because we get 4% cash back on the card we use. So I hate to give up that great return just because I can’t keep my husband out of the grocery store. For a single person combined with a low return %, definitely not worth it. I hope you find your cash solution works. Actually, the more I think about it, how can it not?


  15. I am guilty of multi-tasking quite a bit of the time and I totally get your new version of “fragmentasking”. I never seem to be able to get everything done that I plan on doing and I’m tired of rushing through life. Grr! Can’t wait until the debts are gone so I can quit working so hard and enjoy life more.


    • Kayla – we can compare TO DO lists but you are quite an inspiration for me for all you do! Don’t stress and keep on plugging but take time to smell the flowers along the way too, m’kay?


  16. Whew that is a lot going on. I can be fairly good with multitasking but I do prefer to do one thing at a time. It doesn’t always work, but I try not to overcomplicate my life. If something CAN wait, I let it wait without feeling like I have to accomplish everything at once. And yes it’s hard to keep up with blog reading.


    • You are able to compartmentalize well, Tonya. That’s what I try to do as well but if the list gets too long then fear and loathing set in. LOL Then I remind myself to live in the moment and breathe! 😉


  17. I’m a one at a time person, too! Life can get so crazy , though, sometimes we are left with no choice.


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