Tips to Balance Your Money and Your Life

Organization is about more than having an organized living space. It’s about having your life and your finances organized and under control.

One of the biggest stressors for families is that of financial stress. When your financial house is in order, then the rest of your life falls into place much more easily.

If you are like most, financial planning was not a part of high school or college curriculum - much less balancing a checkbook or concentrating on a 401k or emergency expenditures.

Without a balance of financial issues in your life, it is very difficult to have balance in other areas of your life. Unfortunately, money controls much of our thought patterns, time, and worries.

Figure Out Your Spending Habits

Before you can sit with your partner to discuss finances, it is very important to learn about your financial patterns. Whether you are a spendthrift or a frugal financier, it is very important to identify your spending habits and where you can improve before going at it with your financial partner.

The Spendthrift

If you have no regard of where money comes from or how to manage it, you will find that money will manage you. Spending more than you earn is never a good scenario. Sit down with your finances, figure out what is coming in, what goes out, and keep the difference for yourself as spendable income. It is really that simple. Living above your means is something that you do not want to do, ever. Living above your means is never a win/win situation.

The Frugal Financier

If you find that you will not part with a penny, much less a dime, you will have a difficult time relating to anyone financially. There has got to be some wiggle room for playing hard just as much as working hard. No one is going to put up with someone that will not part with one red cent, even for fun.

Get Together with Your Financial Partner

It is very important to get together with your financial partner and put your differences to work for you instead of against you. If you are frugal and your partner is a spendthrift, come up with great and innovative ways to meet somewhere in the middle. Compromise shows up many times in a relationship, and what better way to incorporate that tool than to use it in your financial life.

Organizing your finances will allow you to live a less stressed life.

Less Clutter = Less Stress ^SM     in your home, your business and your life

Organizational Consulting Services

http://www.organizationalconsultingservices.com

Summer is Winding Down - the Kids are Going Back to School

It's that time of year again - the kids are going back to school!

Most parents are jumping with joy!  Kids - not so much.

There are a lot of things to get done before school starts. Besides buying school supplies there are new shoes to buy, new clothes....so many details.

But - before you go out and buy those new clothes - make your kids try on everything in their closet. YES - every thing. Because some kids - believe it or not - can outgrow their clothes every few weeks when they are in a growing spurt. Don't let them tell you that they "fit" when they tried them on a few weeks ago. They are probably too small now!

Make room in their closet and dressers BEFORE you go shopping. That way you will also know what they need. Again - they'll tell you they don't need new underwear or socks - but come the morning - they won't be able to find any.

Get the kids mentally prepared for the "school time routine". Start adjusting their bedtime. Get them used to getting up at the same time every morning.

Also - by having them get prepared the night before school (their clothes, lunches, backpacks...) - there will be less drama in the mornings.

Be sure to have a family calendar to mark all of the important school functions (days off, sports practices, conferences, doctors appointments....). 

Don't wait until school starts to get them used to the idea of "routine". The more prepared they are  - the less whining from them and the less stress you will have.



For more School Organizing Tips - Read:    School is About to Start - Get Organized

Enjoy the last last few days of summer vacation!

 

Less Clutter = Less Stress ^SM     in your home, your business and your life

Organizational Consulting Services

http://www.organizationalconsultingservices.com

Surprising Time Management Secrets

One certainty in life is that time is limited. While no one is sure how many years they’ll be given to finish doing what they want to do, everything is equal for each day you are given. Everyone has the same 24-hour day to dream, determine goals, and complete tasks that will help them meet those goals. But doesn’t it seem like some people are just better at time management than others?

Surprisingly, there are some time management secrets that make you feel like you have hours more in your day.

* Set Priorities - There are really only four choices:

1. Most important

2. Most urgent

3. Least important

4. Least urgent

When you identify tasks and set your priorities carefully by what is important over not important, as well as avoid having issues of urgency each day, you can get a handle on your time in ways that you never thought possible.

* Learn the Power of No – Saying no is probably one of the most important things you’ll ever learn to say. The problem is our parents disciplined the word “no” from our vocabulary. It’s time to learn how to say no again. If something is not right for you, is too “urgent”, causes you stress, or you just do not want to do it and it doesn’t fit in with meeting your goals, say no. Saying no will free up untold amounts of time to focus on your priorities.

* Disconnect from Technology – Unplug the phone, turn off email notifications, and for goodness sakes get off Facebook. If you’ve not completed the most important tasks on your daily list, you have no business messing around with technology. The idea of multitasking is overrated, so unplug and tune in to the tasks at hand. You’ll work faster, smarter, and gain the time you need for other things.

* Schedule Everything – Your priorities need to be added to your calendar. Everything from the 15 minutes you need to use social media for marketing purposes, to the one hour you take your kids to the park, needs to be put into your calendar. If you have a project due in a week, you should have five days of scheduled time to work on the project prior to the due date. This helps avoid those urgencies mentioned earlier.

* Ignore Interruptions – Unless the house is on fire or a child is bleeding, the telephone ringing and the knocks on your office door are not important. They are interruptions. Check your email at scheduled times during the day, explain to your children, spouse and family when you are working, and otherwise ignore the door bell ringing. If you didn’t schedule it, you don’t need it.

* Outsource – Whether it’s the housework, cooking, or customer service, it’s important to outsource what you can afford to outsource. There are huge payoffs to outsourcing the things that are simply time suckers from your day. If you can’t afford to outsource, your kitchen will not explode if a few dishes pile up, and everyone can do with eating a salad for dinner. And, you can automate a lot of customer service issues if you work from home.

* Once and You're Done – Multitasking is not really a bastion of efficiency. Instead, seek to touch each task only once and finish it. For example, when you check the mail immediately throw out the trash, schedule bills to be paid, and deal with any issues that came up with a letter - right then. Of course, your mail time should be scheduled as well so that you can stay on track.

* Check Your Schedule – At least twice a day, set out the time to check your schedule. Usually the morning is good and at the end of the day is good. Ensure that you have your priorities in order, add anything new to your schedule that needs to be added, and remind yourself of what is expected the next day. Checking your schedule helps you feel accomplished at the end of the day, and reminds you of what’s coming up tomorrow.

Finally, it’s important to be very serious about following your schedule and calendar. Use technology to help such as Google Calendar or Outlook, synced to your smartphone to help you remember what it is that you should be doing now, and next. It may seem geeky to be so serious about a schedule, but it’s this one factor that makes these surprising time management tips work.

 

Less Clutter = Less Stress ^SM     in your home, your business and your life

Organizational Consulting Services

http://www.organizationalconsultingservices.com

Setting Priorities for Managing Your Time

One of the hardest parts of time management is learning how to set priorities. Sometimes it can feel like every last thing you need to do is an emergency. But the truth is, there are ways to organize your time and manage the tasks that you need to do so that you get them finished right when they need to be done without feeling overwhelmed or rushed.

Thankfully Stephen Covey’s time management grid is here to save us from ourselves. It looks like this:

 

 Use the grid to help create your daily to-do list by prioritizing the importance and urgency of each item you have to pick from. It can be as simple as doing the purple things first, then the green, next pink, and finally the light green items. But, if you do it this way you might miss out on something important you can learn from the time management grid.

Eliminate Urgency from Your Life

By focusing on green you can eventually lessen the purple items on your list. By learning to say no to others you can virtually eliminate the pink things, too. Finally, by getting your schedule under control the light green will eliminate itself because you won’t feel the need to procrastinate anymore.

Learn to Say No

As children we are taught to not say no. Unfortunately, this transfers over to adulthood in a bad way, especially for females. If you determine something is in the pink or light green area, you can use that to determine whether or not you should say no. If it’s something that your client wants that takes five minutes, but it’s not that important, you can do it. If it’s something you just like to do, you can always do it after you’ve done three purple or green tasks.

Assess Your Time Expenditures Now

Now that you have Dr. Covey’s time management chart, you can go back and re-evaluate the things you are currently doing each day to find out what color they are. Knowing their color will help you label each thing that you do throughout the days, weeks and months ahead so that you can prioritize them.

Finally, when you are assessing any task, make sure you label it, then ask yourself if it fits in with your core values and goals. If it does, it’s going to be in either the purple square or the green square. If it doesn’t, it’s probably in one of the other squares. As you learn to use this system it will start becoming more automatic so that you can say yes or no faster and put your time management on auto drive.

Less Clutter = Less Stress ^SM     in your home, your business and your life

Organizational Consulting Services

http://www.organizationalconsultingservices.com