Level Above Areas of Focus

[black.rhino]

Hello,
I've been working on my areas of focus and I have them set up like this

Personal

AoF 1

AoF2

etc.

NHC (my companies name initials)

AoF 1

AoF2

etc.

I also have
EMS (no sub AoF's)
Church

AoF 1

AoF2

etc.

My problem is that I see most of my life divided into personal and NHC, and that is how everything is divided (with church then being under personal, etc.). My project lists are Projects: Personal, and Projects: NHC. I am wondering if those levels are Areas of Focus or something else. Do most people list all their AoF's without these divisions?

My second question is: when it comes to something I want to improve on at work (i.e. bring down expenses) does that become a project (i don't think so), or a "temporary" area of focus, or a "goal"? Are goals linked to AoFs, or to the "higher" level I asked about in my first question?
Thanks