How does it work?
Scripture: Read your scriptures, then write in your journal the verse(s) that stand out.
Observation: What do you think God is saying to you? Rewrite the scripture in your own words. Consult your commentary for help.
Application: Personalize what you've read by asking yourself how it applies to your life. Is it an instruction? An encouragement? A promise? A call to take corrective action? Write how this scripture applies to you today.
Prayer: Your prayer can be as simple as asking God to help you use this scripture, praising him for something he's done, or confessing a sin. Write it out, just like you would an e-mail, text, or letter.
Then live it out.