Second, if competing thoughts / distractions are an issue, find a quiet place during a time when you can be undisturbed. Take the phone off the hook (how long has it been since you heard that phrase), or put the cell phone in the other room and turn it off, turn off the computer, and the television if you need to. Give prayer and the word a place of priority.
The best thing is to have an accurate knowledge of what each of those activities is.
When meditating on the word (the only Christian form of meditation) God is speaking to you, directly, from the pages of the Bible. Remember that.
In prayer, you have the privilege to speak directly to God. Value that.