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

Learn to Say No: Increase the Power of How You Spend Your Time

One of the very best ways to manage your time is to learn to say no. Saying no is a great way to control how you spend your time and take your power back. Most of us don’t know how to say no because our parents taught us very well not to say no. Many two-year-olds love saying no, but they are quickly taught that the word no is very unacceptable. But, it’s time to take back the power of no and earn more time in your day for doing what you really want to do.

* You’ll Reduce Your Stress – One of the worst things about overscheduling your time is the stress that it will cause. Learning to say no will automatically reduce your stress, even if the first few times you say no will be a little stressful. The freedom you experience will soon overshadow the fear of saying no.

* You’ll Be Perceived as More Professional – No one person can do everything. If you already have something scheduled and can’t do something, it is to be expected of a professional person. You don’t even have to provide a reason; just say that your calendar is full.

* You’ll Improve at Tasks You Really to Want to Do – If you’re not spending time doing stuff you hate doing, you’ll get to spend more time doing things you want to do. That means you’ll get more practice and become better at the things you already like doing.

* You Get to Spend Time Doing What You Want to Do – No one wants to spend time doing things they dislike doing, but they tend to say yes due to the lessons their mom taught them. If you really want to spend more time writing or helping your clients solve their problems, say no to doing things you don’t want to do and recommend someone else.

                                                      

* People Will Respect You More – Even really good people lose respect for those who act like doormats. You probably don’t want to appear as a doormat; you’re just trying to be helpful. But even nice people will take advantage of those who say yes all the time. That’s why you’ll notice it’s always the same three people doing all the work in any group. The yes people.

* Saying No Gives You the Opportunity to Say Yes – This may sound counter-intuitive but it’s true. If you learn to say no to things that don’t advance your business or life in any measurable way, you’ll have more time to say yes to things that do.

* You Won’t Bite Off More Than You Can Chew - People who say yes to everything tend to do most things half way. They don’t mean to, but they get too much on their plate and end up not being able to do the tasks they agreed to do to the best of their ability. If you say no, you can avoid this embarrassment.

* Pause, Breathe Deeply, Check Your Calendar – In order to say no without a problem, when someone asks you to do something, even if it’s something you know immediately that you do want to do, make it a practice to take a pause, take a breath, and check your calendar. The act of calendar checking can give you time to give some thought to whether or not you want to say yes or no.

Saying no can truly give you back enough time to create the life that you really want to live. If you’re feeling hurried and overwhelmed take the time to practice saying no. By saying no you’ll take control of your schedule and feel like you get more time in your day.

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

Organizational Consulting Services

http://www.organizationalconsultingservices.com

How to Create a Time Management Plan

Creating a time management plan keeps you from wasting time. Having a plan makes every hour count, ensures that you get to work more quickly and helps distribute your time over all the tasks that you need to do each day, week, month and year.  Creating a time management plan is an imperative if you want to be successful.

* Be Realistic With Your Plans – Don’t go against your own internal clock when planning each day. If you know you struggle to get up in the morning, do not schedule things in the early morning hours. If you can manage in the mornings if you do tasks you like first, try that.

* Set Time Limits – This is especially important for both tasks you dislike and tasks you like. You always have a risk of procrastination when it comes to tasks you hate by spending too much time on tasks you like.

* Eliminate Distractions – One of the biggest killers of any plan that you set are distractions such as television, interrupting phone calls, social media, and yes – children and spouses. While nothing is ever perfect, you can eliminate most distractions by planning ahead about how to deal with them. Turn off the TV, turn off the phone, use social media only at certain times with a timer set, and explain to children and spouses the importance of not bothering you while you are working. 

* Differentiate Important from Non-Important Tasks – One of the hardest tasks before you when creating a time management plan is understanding what is important and what is not important. If you make it a habit to do the most important things first, you’re going to feel more accomplished and get more done.

* Use a Calendar and Technology – Where would we be without technology? Using Google Calendar or another system synced to your phone is a great way to ensure that your calendar is always with you and that you don’t forget things. You can even set reminders and alarms to help.

* Eliminate Urgency from Your Life – This can be difficult but most things really aren’t urgent. If you are a service provider, stop taking last-minute work; train your clients to give you plenty of time to work tasks into your schedule. If you set family time and play time into your schedule too, that will eliminate the need for a last-minute meltdown from the toddler too.

* Create and Use Lists – It is one thing to note on your calendar “work on project A” but it’s quite another to list exactly what you are to do during that time period on project A. This is the most effective way to schedule your time so that you meet your goals. Be very specific with lists so that no time is wasted.

* Create a Daily Action Plan – There should always be at least four or five things that you can do each day toward any future goal that you have to help you feel accomplished. Plus, having a variety of things to do each day will eliminate boredom and procrastination.

Creating a time management plan is an essential element in creating success. Most successful people live and die by their calendars. When you meet someone and wonder how in the world she does it all, it’s probably a very thought-out and coordinated schedule that allows her to accomplish so much.

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

Organizational Consulting Services

http://www.organizationalconsultingservices.com