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Organizing Your Desktop-Computer Desktop That Is!
In my years as a teacher, organization was something that was
lost on me. I was the teacher with stacks of papers on her desk,
boxes of papers behind her desk (fondly called the "Fire
Hazard"), and stuff piled on the tables around. Since...
Resume Tips To Take You From Being a SAHM to A WAHM
When looking for a telecommuting position, it is very important to have your resume in tip-top
shape. This is often the only thing that a potential employer has to base a hiring decision on
since they most likely will not be interviewing you...
Sloppy Time Management Destroys
One of the best methods for developing planning and organizing
skills is learning from your mistakes. If you are constantly
making the same mistake, then you are in a world of trouble,
since time management is essential for success. When you...
The “6-D” Information System
You know you need to learn this method:
• If you use your email and voice mailboxes to store things you need to do
but don’t have time to address right now
• If your brain swims with all kinds of ideas and things you need to do
• If...
The Top 10 Creative Strategies to Increase Your Productivity
Time is a very precious and costly commodity that many of us take for granted. Few people will readily admit that large parts of our working day are wasted through countless interruptions, procrastination, and clutter. Maximize your life through...
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Organizing Your Finances: - Show Me MY Money: What You're Worth or * net * Worth
Organizing Your Finances: - Show Me MY Money: What You're Worth or * net * Worth by: Janet L. Hall
Benjamin Franklin once said, * Time is money *. I think he wanted one to add up how much time they spent on a particular task or job and how much money they might have been wasting. I do an exercise with my clients to help them discover what their per minute worth is to enable them to see how much money they might be losing because they are disorganized. Such as, if you are doing a non-income producing activity for 15 minutes, you can see how your money is being spent! It's a very simple calculation. Your Per Minute Worth Calculation Yearly income divided by 52 weeks = weekly income Weekly Income divided by 40 hours (or total hours you work per week) = hourly income Hourly income divided by 60 = Your Per Minute Worth Before you begin to OverHall and Balance your financial area, you need to find out your net worth, and your spending habits. This will help assist you later with your budget, payoffs, or long-term savings. It will also help in guiding you with such things as your protection, investment, income tax, retirement, and estate planning. Your total net worth is your total assets (what you own or already have saved) minus your total liabilities (what you owe out). I'm not going to tell you this is as easy as figuring out your per minute worth because it's not! It will take time and a commitment from you to determine your net worth. TIP: I have found the best time to do this exercise is when you are paying your bills. At that time you usually have the information needed to help you calculate your net worth. So, if it usually takes you an hour to pay your bills, tack on at least an extra hour this month for this exercise. For your convenience, print out and use the net worth form below. You will be writing in your totals for each line. For instance, if you have two savings accounts, total your balances first and then write in the total next to Savings Account. ASSETS Cash Reserve Totals- Certificates of Deposit: Checking Account: Credit Union Account: Money Market Account: Savings Account: Investment Totals- 401(k): Bonds: Mutual Funds: Stocks: Personal Totals- Art: Boat: Car(s): Furnishings: Jewelry: Other: Real Estate Totals- Home: Second Home/Vacation Home: Other Real Estate: TOTAL ASSETS: $ LIABILITIES Short-term Debt Totals- Credit Card Balances: Current Bills Owed: Loans w erms of six years or less: Taxes: Long-term Debt Totals- Loans w erms of seven years or more: Mortgage(s): TOTAL LIBILITIES: $ Congratulations! You did it! * Drum roll * Please! TOTAL ASSETS: $ - (minus) TOTAL LIABILITIES: $ YOUR TOTAL NET WORTH = $ Now see if your net worth falls under A., B., or C. below, and see how you can begin to bring some balance back to this area of your life. A. If your total net worth is half or less of your annual income or you have a negative number you need to REALLY * OverHall * and Balance your financial area! ~~ Pay off some/all
debt ~~ Cut back on spending ~~ Stop charging ~~ Start a savings plan B. If your total net worth is more than half your annual income but less than a few years' income you need to * OverHall * and Balance your financial area. ~~ If you're 40 or under and own a home, you're okay for now ~~ If you're 40 or over and you don't own a home: `` Cut back on spending `` Stop charging `` Reduce debt `` Increase your savings `` Buy a home before retiring C. If your total net worth is more than a few years' of your annual income, CONGRATULATIONS! Keep doing what you've been doing! Listed below are some questions to ask yourself now that you know and can see what your net worth equals. 1. Do you have enough cash reserves to meet your needs? 2. Do you have enough protection to provide money for unforeseen emergencies (we talked about this last issue)? 3. Do you have enough fixed assets (usually long-term; bonds are an example) to provide or produce additional income? 4. Do you have enough equity assets (short or long-term; real estate and stocks are examples) for growth and income? To answer those questions, you need to know what your family and your needs and goals are and then plan how you are going to meet them. Quick Tips to INCREASE Your Assets: 1. Maximize your 401(k) contribution 2. Start investing 3. Get automatic deduction/deposit from paycheck to savings each pay period. Quick Tips to DECREASE Your Liabilities: Credit Cards 1. If you have to use a credit card, use only one major card 2. Pay more than the minimum payment on the credit card with the highest interest rate 3. Stop charging to the highest interest rate credit card 4. Get rid of department store credit cards 5. Don't apply for anymore credit cards Mortgage(s) 1. Pay a little extra each month towards the PRINCIPAL of your mortgage payment 2. Drop your PMI (Private Mortgage Insurance) when your home equity exceeds 20% of your home's value (talk to your mortgage lender) 3. Refinance mortgage at a lower interest rate 4. Refinance mortgage at a lower interest rate AND finance for 15 or 20 years instead of the usual 30 years. 5. Pay half your monthly mortgage payment every two weeks (talk to your lender)
Smiles, not Piles, Janet L. Hall
The Organizing Wizard, Janet L. Hall, is a Professional Organizer, Speaker, and Author. She is the owner of OverHall Consulting, and Organizing By Phone. Subscribe to her FREE organizing newsletter at http://www.overhall.com/newsletter.htm or visit her web site at http://www.overhall.com
Copyright 2000 by OverHall Consulting P.O. Box 263, Port Republic, MD 20676 All Rights Reserved. Permission is granted to reproduce, copy, or distribute so long as this copyright notice and full information about contacting the author is attached.
About the Author
The Organizing Wizard, Janet L. Hall, is a Professional Organizer, Speaker, and Author. She is the owner of OverHall Consulting, and Organizing By Phone. Subscribe to her FREE organizing newsletter at http://www.overhall.com/newsletter.htm or visit her web site at http://www.overhall.com
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Online Organizing.com |
Welcome to OnlineOrganizing.com!. Get Organized! Find the best organizing products, free tips on taming your clutter, an online newsletter, ... |
www.onlineorganizing.com |
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organizetips.com - organized, time management, planners,tips,Tips ... |
Get Organized,Organizing ideas, Tips, daily,chore lists,planners. |
www.organizetips.com |
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At Home : Organizing : Take This Stuff and Store It! : Home ... |
Our guide to the simple life, where everything has its place. |
www.hgtv.com |
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Home Organizing Tips - Bathroom, Bedroom & Garage Organizing ... |
Learn about home organizing tips for bathroom, bedroom, and garages from Home & Garden Television. |
www.hgtv.com |
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Christmas Organizing | Creating J.O.Y. for Christmas |
Offers a community of resources and support to help people get organized for Christmas throughout the entire year by creating and organizing a Christmas ... |
www.christmasorganizing.com |
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Organizing - HUD |
Organizing. [Vea la versión en español de esta página] · [Display the text version of this page] ... Organizing · Economic development. Working with HUD ... |
www.hud.gov |
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Get Organized - Organizing Tips and Ideas to help you get ... |
Free tips, ideas and articles to help you get organized. |
www.getorganizednow.com |
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Management Function of Organizing: Overview of Methods |
Organizing can be viewed as the activities to collect and configure resources in ... The following are some of the major types of organizing required in a ... |
www.managementhelp.org |
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Organizing - Wikipedia, the free encyclopedia |
In that sense, organizing can also be defined as the act to place different ... Organizing, in companies point of view, is the management function that ... |
en.wikipedia.org |
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Amazon.com: Organizing from the Inside Out: Books: Julie Morgenstern |
Amazon.com: Organizing from the Inside Out: Books: Julie Morgenstern by Julie Morgenstern. |
www.amazon.com |
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Organized-Living.com - Get organized, Professional Organizer tips ... |
Articles and tips to help individuals organize their home or work life better. |
www.organized-living.com |
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How to organize your home and office, organizing tips, articles on ... |
LifeOrganizers.com is a rich resource of office and home organizing articles, tips, and fresh, easy ideas on how to get rid of clutter from every part of ... |
www.lifeorganizers.com |
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The Virginia Organizing Project |
VOP, racism, social justice, community organizing, leadership development, living wage, grassroots organizing, sexual orientation . |
www.virginia-organizing.org |
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Center for Third World Organizing |
A training and resource center dedicated to building a social justice movement led by people of color. |
www.ctwo.org |
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Welfare Rights Organizing Coalition |
WROC of Olympia, Washington, organizes groups of women and men who are current or former TANF recipients to watch how welfare and family policy is ... |
www.wroc.org |
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Self-Organizing Systems FAQ for Usenet newsgroup comp.theory.self ... |
Frequently Asked Questions about self-organized systems. |
www.calresco.org |
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Beyond Bookmarks: Schemes for Organizing the Web |
Beyond Bookmarks: Schemes for Organizing the Web is a clearinghouse of World Wide Web sites that have applied or adopted standard classification schemes or ... |
www.public.iastate.edu |
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Organizing Institute |
Program by the AFL-CIO to train union organizers and put them in the field. |
www.aflcio.org |
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SouthWest Organizing Project |
A statewide multi-racial, multi-issue, community based membership organization. Includes information on history, campaigns, and volunteer opportunities. |
www.swop.net |
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Farm Labor Organizing Committee |
The historic contract in North Carolina opens up a new chapter in the FLOC struggle for justice and ushers in a new era in farmworker organizing. ... |
www.floc.com |
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