Organize Your Holiday and Bring Joy to Your World

The holiday season can be a stressful and chaotic time. Between attending holiday parties, shopping, meal planning, baking, gift wrapping, and entertaining, there never seems to be enough time. But if you organize, schedule and plan properly, you might find you even have a little extra time to relax and recharge.

The should first sit down with your family at a meeting and find out what activities and parties they are involved in during the season. If there are rehearsals for the church pageant, choir practice, or volunteer work activities, make sure you incorporate them all into your family schedule. Be sure to factor in time off that you've taken during the holiday season so that if they need an extra set of hands to help out at the church's bake sale, you'll know at a glance whether or not you can help out.

That being said, the next step is to ensure you're not spreading yourself or your family too thin. Don't commit to more parties than you can attend, or be coaxed into hosting your own holiday event if you simply don't have the time. Once you've established your schedule with your family, do not make any changes, additions, or revisions to it without consulting them first. If you're stretched too thin, chances are they will be as well since you'll be unavailable to them.

Successful holiday shopping involves careful and methodical planning. A concise and specific list can save you both time and money. Remember too, the season is about togetherness and the spirit of the season, and not about how much you maxed out your credit cards by. Stick to your list and you'll stick within your budget guidelines as well.

Keep your holiday decorating simple and minimal. Ornate displays can quickly consume your valuable time. If you do choose to decorate big this season, make sure you've planned for it in advance and completed it before things kick into high gear such as parties, caroling and shopping.

Santa's got his list of who's naughty and who's nice. Organize and plan wisely so that you won't become stressed and end up on the wrong side of Santa's list this year.

Organize your Bill Paying to Avoid Stress and Worry

Bills can create headaches and cause stress for all of us. They all seem to come due at the same time, and there never seems to be enough money to make ends meet. Factor in the time involves writing checks, addressing envelopes and hunting down postage stamps, and it's a chore many of us would gladly relinquish. But with some simple planning and organization it's a task that can become easier and less stressful.

The first step is to establish a central location in your home. Make sure all the tools you need are in the same location: an inbox or folder to store incoming bills, pens, postage stamps, envelopes, your checkbook, a calculator and your computer if you use financial software or online banking services. Then when the time comes to sit down and pay the bills, you're not left hunting and searching for that lost light bill.

Develop a list of your bills that includes the type, the average amount, how you're billed (online, through the mail, or by automatic deduction from your bank account) and the due date. If your utility bill tends to stay the same from month to month, notate that on your list so you can easily determine how much to budget. File this list with your other tools.

During this process you might have discovered that your due dates are scattered all over the calendar, which can make paying bills in a timely fashion difficult at best. Contact the companies and see if they'd be willing to change your due date to more closely adhere to your payment schedule and to more closely coincide with the due dates of other bills.

Online bill paying is a great way to not only save money on postage. If you choose to be billed electronically, it can reduce the amount of mail you receive and have to file. Since most payments post to your account quicker than a bill paid traditionally, it also allow you to correct a bill paying mistake quicker and avoid problems as a result. Most banks offer online bill paying services, and many companies have bill paying options online.

It's probably a good idea to consider paying bills twice a month, or each time you receive your paycheck. Scheduling bill paying as a regular task will make it easier to deal with and will decrease the chances of missed or late bills.

Organize Your Home Business and Reap the Rewards of Success

The time to realize how important home business organization is to your overall success is not when you need to find important tax papers or income statements quickly. To avoid problems in the long run, take some time and devise a workable organization and filing system now.

Get a sturdy lockable file cabinet and durable hanging folders. Buy manila folders to tuck inside the hanging folders, and make sure you've also got several manila envelopes on hand that you can tuck receipts into and label easily.

Organize your financial papers chronologically, and divide them by types. Sort all your financial papers into piles and stack them chronologically. Be sure you have folders for

bank statements, credit information, bill stubs, paycheck stubs, receipts, tax information, real estate papers, investment papers, insurance policies and statements, loan agreements and any other financial papers in separate hanging folders. Further divide your tax information by year. Include tax returns, receipts, copies of W-2s, 1099s and other pertinent tax information. Divide the bill stubs by the companies they represent and divide real estate papers by mortgage documents, home improvement receipts, second mortgages and so forth.

Important documents such as savings and certificate of deposit passbooks, car titles, stock certificates and yearly Individual Retirement Account, pension and profit-sharing statements should be kept in a safe deposit box, along with any vital records and valuables.

Make sure to keep on top of your inbox, especially your bills that need to be paid. Put them in a separate place where they are easily seen and handy.

When purging documents from your filing system, be sure to hang on to tax paperwork for at least seven years, and other financial documents for three years.

Financial planning software for your computer is available, and most are very user-friendly. Some include online banking functions. If you decide to utilize this, be sure to back up your data on a regular basis.

If you make a commitment to keep on top of your filing and organization system continually, you'll benefit when the time comes to locate those important documents necessary for your continued success. If you don't, the paperwork monster will easily overwhelm you again and could mean trouble for your business.

Organize your Finances and Save Your Money

You carefully plan how to spend your money. But you may have never organized a plan on how to best save your hard-earned money. Shopping the sales, cut corners, conserve energy, and clip coupons are all positive steps in the right direction, but with some careful planning and organized thought, you can make your dollar stretch even further.

First of all, pay yourself first. Bill yourself if you have to as a way to keep track. You can even have a portion of your check directly deposited into your savings account so you'll never even miss it. Put part of it into savings for shorter term goals and some into a retirement plan. Compare interest rates at different financial institutions to get the most bang for your saved buck.

Pay close attention to where your money is going. Develop a spreadsheet or other method so you can visibly track where your money is going each month. You probably easily remember the bigger bills like the mortgage or the car payment, but it's easy to lose track of the incidental spending you do. You'd probably be surprised how much you spend each month on movies, eating out, video rentals and a little spending money for the kids. This will help you find ways of saving a few dollars here and there, which can quickly add up to a significant savings each month.

Set a realistic budget and stick to it. Once you've paid close attention to where your money is going, it will be easy to find where to cut corners and adjust your budget accordingly. With some commitment and a few lifestyle adjustments, it's really quite simple to live within the parameters of a well-planned budget.

Look for fun, inexpensive ways to entertain your family. You can usually borrow videos from your local library at little or no cost, and outdoor activities not only promote family togetherness but the fresh air and exercise are good for all involved.

Organize your Family to Become Better Organized

As you begin the process of organizing your household, you may ask yourself what the best way is to motivate your family members to become and stay actively involved in the process. Each family member is unique and so is their method for organizing and prioritizing. But if you approach it from a coaching standpoint, it is possible to motivate your family to get on the organizational bandwagon.

First of all, remember that your family will get involved in the process for their own reasons, not necessarily just to please you. Help each family member pinpoint their own motivations for wanting to get organized. Maybe they are feeling less productive in school or at work, or they never seem to have enough social time because their time

Each of us has a strong suit when it comes to being organized. Find that about each family member and emphasize it. Take the opportunity to share your organizational strengths and tips, and ask them to do the same. Offer praise, not criticism.

Organizing isn't about getting rid of things at all. It is about identifying what's important to you and giving those things a reliable, consistent home. Don't try to force your family member to get rid of their things, but to prioritize which things holds the most importance and to focus their organizational goals around that.

Finally, being organized is about being responsible. If your child or family member has worked hard to get organized and stay organized, recognize this feat and reward it. Perhaps you can come up with a family reward such as a new croquet set for the backyard that everyone can play, or purchasing three or four new board games the family can play together. And remember, the best teacher for your family is you, so lead by example. Maintain your personal organization systems and consistently strive to improve and find new ways to keep on top of the clutter so chaos doesn't overrun your life. They'll learn by your example.

Organize your Move and Reduce your Stress

Cover of Moving Day

Moving can be a very stressful and nerve-wracking experience. But with some careful planning and by thinking ahead a little, you can make the process go a bit smoother.

Create a simple record keeping system. Whether it's computer-generated or hand written, be very specific when recording things on this list.

You'll probably need many more boxes thank you think, and having enough boxes will make your life easier. If you go through a moving company, keep in mind that any boxes you purchase but don't use can be returned for a credit or refund. Have at least ten boxes set aside to use for last minute items on moving day, such as bedding, clothing, and cleaning supplies. You'll need strong plastic packing tape to close up the boxes securely. Use unprinted newsprint or packing paper or bubble wrap to wrap and cushion household good. Again, you'll need lots more supplies than you think, so get extra. Moving companies will be happy to deliver boxes ahead of your moving day.

Designate a color for each room in the new home, such as yellow for kitchen, orange for dining room and so forth. Apply colored stickers on the box near the box number. In your new home, place a matching sticker on the door to each room. This is a simple way for the movers to know where to put everything when they arrive.

Insist on keeping things together when you or the movers are packing boxes. Keep bookends with books, light bulbs with lamps, and extension cords with appliances. Small, loose parts can be attached to the item they belong to with tape or placed in small envelopes -- to keep picture hooks with pictures, shelf brackets with a bookcase, a special wrench and bolts with the wall unit.

Anything you can pack ahead will save you time on moving day. If it's summer, get your winter clothes out of the way. If you must clean your old place after moving out, put together a kit of basic cleaning supplies and rags. Moving companies will not move cleaning chemicals, so plan to transport those with you in your vehicle or give them to a neighbor or friend.

Organize your Closet on a Tight Budget

You don't have to spend a fortune on fancy closet organizing systems to organize your own closet, but it does require taking an honest look at your belongings and your habits. With some creativity and some planning, you can create a closet that's organized and easy to maintain.

First of all, it's imperative that you take a look at what's currently in your closet before you can begin to organize it. If there is clothes that haven't been worn in six months or more, worn out shoes, outdated handbags and accessories that you no longer use, get rid of them. They are only taking up your valuable space. You'll be pleasantly surprised just how much space you can free up by purging beforehand, and it also means less to contend with during the organization process.

Next, take a look at what you're left with. Try to organize your clothes based on what groups together well as outfits. Try to group like colors together, and organize shoes and accessories into casual, sport, professional and formal/dressy categories.

Now that you know what you're left with, it's time to place it back into your closet in a neat and organized fashion. Look around your home for unused baskets and bins. Consider installing a couple of extra shelves if the need warrants. Affordable shelving units and brackets can be found in more home organization sections of your favorite hardware or discount store.

You can also make great use of your space simply by using lengths of chain to hang items on in your closet. You can purchase plastic or metal chain in different lengths depending on your needs. Links should be large enough to accommodate your style of hanger - whether metal or plastic. Hardware or do-it yourself stores will cut the chain the length that you request. Attach the chain to your closet rod with a hook; these can also be found at the hardware or do-it-yourself store. Or you can simply loop the chain over the hook of a sturdy coat hanger. Hang clothing items, one hanger per link. This simple, inexpensive method can help you store several items in the space of just one.

With a little discipline, some creativity, and a free afternoon, your closet will soon be organized, easy to use, and simple to maintain.