In this hurry up world that seems to be swirling around us, we may find ourselves always rushing from one thing to another. Do you find yourself not completing one task before you feel pressured to start another? At the end of the day you could be left with a litter of uncompleted projects, and although you have been busy all day, feel like you have accomplished very little Read more ›
Here we are again! How did we get here so fast? It’s time for holiday shopping… or is it? Why not do something different this year for yourself and those on your gift-giving list. Instead of giving gifts, give life experiences: something that will create memories, Kodak moments and conversation for years to come. Here are a few suggestions: Read more ›
Posted in holidays
Tagged with: gifts
Clearly money is the most disorganized thing people struggle with. Most suffer in silence as it is not socially acceptable to discuss money or finances with any type of detail. Would you ask someone at a cocktail party how much they earned? If their kids college accounts are fully funded? If they pay their bills on time? Our education system focuses on teaching us the needed skills to help us earn a living but not what to do with those earnings. Based on over 25 years in accountng and working with many individuals, families and businesses, here are my 10 rules that will keep you on a healthy financial track. Remember: be positive and be powerful!
The 10 Rules of Money
- Have the highest integrity in all financial transactions.
- You have a relationship with money. Work to make it happy, strong and positive.
- Be thankful for all that you have.
- have written short and long term financial goals.
- Have a budget for the next 12 months.
- Remember to budget in some fun each month. This can be low or no cost, but it must be part of your plan.
- Spend your money slowly and look for ways to spend less.
- No credit card debt. If you do not have the money, do not buy it.
- Save money first. Then pay your bills.
- Give something to charity. If you cannot give away money right now, then look for other ways to give. (See my post, “Charity Begins in Your Closet“)
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Home – Office – Financials
Posted in finances
Tagged with: attitude
I am a positive person. I look on the bright side and see the glass as half full rather than half empty. With that said, even I admit that things are a bit crazy right now. There is so much happening in the economy and politically that is not within our control which might be making you feel less than optimistic.
But what things do we have control over? Ah yes … to a degree, organizing your own home, office, time and finances. Here are some examples of what you can do to take charge of your environment for greater peace of mind, Read more ›
Recently, I sold my old house, bought a new house and moved all in the same day! This Newsletter is a summary of tips and observations from my packing and moving experience. So, if you are moving and even if you’re not, please read on for help with purging and organizing your stuff. Read more ›
So often people tell me that they “just can’t throw anything away”. For these folks we start the de-cluttering process with a warm-up exercise. I call it “Theme Organizing” where we start with a particular theme and organize it throughout the house. One idea is the expiration date theme. Most people who are in the can’t-throw-anything-away category will still be able to part with an item once it has expired Read more ›
Who, what, when, where and how are questions I often hear regarding charities. Who should I donate to? How do I know my charity is legit? How much of my donation actually goes to the cause? How much to administration costs? Or people tell me they don’t have enough money to cover their own bills so they don’t feel they have any extra to give away even though they would like to. Read more ›
So often I hear people talk about the winning-the-lottery fantasy. Their eyes glaze over as they begin to make a verbal list of all the things they would do with the money. I must admit it is a delicious thought to have instant financial independence. However, studies show that a large majority of lottery winners spend all their winnings in a short period of time and end up in the same, or worse, financial condition than they were in before they won. Why is this? Read more ›
The Holidays are over; spring is still too far into the future to think about. That means it’s time for a mid-winter pick-me-up. Here are a few suggestions Read more ›
Susan, its January, the holidays are over, why are you talking about holiday cards now? Because January is the best time to spend some time organizing your list for next year. And this year the list can become active instead of being dormant for 11 months.
Ok Susan, but it’s surprising for an organizer to suggest I send more cards not less. That means more time, more effort, and more expense. Well, yes – yes to all the above. Huh? Read more ›
Posted in holidays
Tagged with: events