Financial

Products: Uses for Smead’s 10 Slot Organizer

Tuesday, November 22nd, 2011

Even in our virtual world, many of us use paper for certain kinds of activities, at home or at the office. Clients usually will tell me “I’m a paper person” or “I’m really more interested in getting more onto my computer.”

So like the right brain/left brain discussions, most of us have a dominant preference for paper vs. PC, but we still use the other for certain tasks.

So for our papers: Smead sent me this Project Organizer and asked me to write about it here. I’m happy to do that because I can see myriad uses for the product which I’ll share with you here. Smead is a Corporate Partner with the National Association of Professional Organizers.  I see them at our product expo;  for a long time I’ve been impressed with their product innovations and their interest in understanding our clients’ needs.

 

A short description first: My photo is of the organizer standing  upright on my office floor.

  • Inside front cover: a summary sheet. What needs to get done, by whom and when.
  • 10 slash pocket folders. I love slash pockets because you have a preview of the folder’s contents. 
  • Expandable bottom binder, so as you fill this with papers, the whole thing expands. I love that it’s vertical because access is easier.
  • Each slash pocket has space for papers, and the pocket itself has space right on top for “Notes.” A little bit of guidance is useful.

 

Uses at Home

Homework: One binder per child keeps track of ten subjects, ten days or ten weeks of homework you want to review together. Add a laminated pocket to the  front of the binder and slide in a photo of your child, to identify which child’s binder is which. 

Home schooling: The teacher’s binder: ten  subjects or ten weeks of your lesson plans.

Taxes: Each section for different sorts of receipts and documents, with the folder staying near where you open the mail, and throughout the year.

Committees/volunteer activities: One spot, for all committees; one notebook to grab as you leave the house.  Or use the divided slots one per week, or per project.

Downsizing for a move: Use two binders, one for the buying side and one for the selling side. Or use one binder for the entire process with sections: Realtor-related, moving-related, expenses, new home research, etc.  Use the product as a “countdown” binder to your move date, with each section as a week’s worth of things to do. An inspirational quote on the front about next chapters helps with motivation for decluttering when needed.

Holiday countdown: As a holiday binder, I could see this as a weekly countdown, covering Thanksgiving and December holidays. Or, each section as a different aspect of planning: meals, traditions, budget, cards, decor, gifts.

 

Uses at Work or In Your Own Business

Clients for the week: One binder for the week, with materials you need on the go, for your appointments. Swap out the contents each week. Keeps your focus just on this week, and it means you need to do that weekly review.

Key projects or committee meetings: Same idea, but for the project side of your work. Use this for focusing on this week’s work. So for me, I might have  the next few workshops I’m designing or for the organizers’ chapter I head up here in New Hampshire.

On the road – conferences:  Use the  binder to take work with you. We all have some work that  is easier to work on, when it’s printed out. The binder is one place for your regular work, while you’re out at conferences or traveling.

Same as the home uses for taxes or committees. But use another binder for your business to keep home and business papers separated.

 

Answer these questions for yourself before buying any organizational product:

  • How exactly will you use the product (e.g., so here, how  would you use ten folders?). You wouldn’t buy a piece of clothing without knowing what size, so are organizing products any different? 
  • How do you typically organize your papers; what’s worked before will work again. The product supports how you work, think and organize your thoughts.
  • Where  will you keep the organizer, so you remember to use it. How will you start this new habit?
  • Do you like the style enough to enjoy using this product?  (Visual folks will relate to this subconscious aspect of choosing just the right product.)
  • Do you need something more specific to the purpose, e.g., a taxes binder like this the one pictured below, also from Smead. Take a look around their site; click on the taxes binder to get there.

What works for you?

 

 

Keep/Toss. Now/Not Now. Buy/Don’t Buy.

Monday, July 11th, 2011

Sometimes, it takes awhile. Our choices in the moment don’t affect us until later.

The focus on now/not now, whether in life or at work, adds up and puts  us in crisis.

We add to our commitments, our shoe closet, our papers or our calendar – without taking out anything else.

We hang onto the past, keeping it all. When what we could do is add one new thing from the new chapter we are creating, and drop one thing from our last chapter. This can help us move forward, one small step at a time.

Each choice is a commitment, and, inadvertently or not, it’s makes that choice a priority.  Even if we didn’t consciously decide this new thing is a priority. It becomes one, nevertheless.

Here’s an article I found useful, about the author’s spending choices: comic books, books or getting out of debt – and how he  did it.

Favorite quotes from this article:

When you spend money on one thing, you’re choosing not to spend it on another.

Sometimes these choices are conscious….. Often, though, the decisions are quiet and subtle. At times, you’re not even aware you’re making them.

You don’t realize you’ve made a trade-off until after the fact.

When you choose to spend on one thing instead of another, the opportunity cost consists of the benefits you could have received by spending on something else.

Your priorities are the things you do, not the things you say you’ll do.

So my questions for you to consider:

When you say ‘yes,’ what are you actually saying ‘no’ to ?

Is  that what you really wanted?

Want or need? What’s the difference for you? Where’s the  line? How does this impact your calendar/spending/stuff accumulation?

Is there something in between “yes” and “no.” Or “now” and “not now.”

Thanks to Sherrill St. Germain, independent financial  planner, for pointing out this article to me.

ADD and Finances

Tuesday, January 25th, 2011

You have or know someone who has ADD and they’re having trouble keeping their finances managed/organized. This post is for you and for them. For you, the non ADDer, to understand what’s going on and to read about typical beliefs  around money are for ADDers. And for you, with ADD, you may finally understand that what you are going through is quite typical … for someone with ADD. Understanding and acceptance leads to solutions.

I’m in an international,  professional group called the Institute for Challenging Disorganization and we have extraordinary educational classes available to us. Stephanie Sarkis, Ph.D. presented “Helping ADHD Clients Organize Their Finances” last night.

Stephanie is a psychotherapist, author of four books about ADD and a coach. She is nationally requested expert, with a blog on Psychology Today, and published in the Journal of Attention  Disorders, Smart Money magazine and The Huffington Post. Appearances on  CNN, ABC, Fox and others round out her resume.

A few points of advice from Stephanie are below, along with my interpretations of how  this would benefit my clients and others with ADD, friends, people you live with  –

Stephanie’s question to ask yourself: what would it look like/feel like if you were doing  well with your money?

My thoughts: This question or its  answer is important because managing your finances is a means, not the end. What’s the end? What you want to do with your money you’ll have. How would you feel about yourself.

Stephanie’s advice for the non-ADDer: ADDers think “now” and “not now.” So asking an ADDer to think ahead and save for retirement? Not  going to be productive. Instead, set up immediate, 1 year, 5 year goals. Immediate is bills. One year might be pay off the car. Set up goals and work together to break into smaller steps.

Stephanie: Call it “a spending plan,” not a “budget.”Reframing to the positive and interesting was a significant point she returned to time and again.

Me: Say those words out loud, and feel the  difference. Budget: restrain,deprivation,negative,  right? Spending plan: Wow. Great. Fun. I decide. So much in our language.

Stephanie: Your spending plan needs to  identify “wants,” as different from “needs.” A non ADDer can tell the difference, but the prson with ADD usually can’t. Everything is a need.

Me: The question isn’t “How can I afford this…”  assuming it’s a need, not a want all the time. The question is “Can I afford this.” Yes/no, rather than how. How comes after the first question. So assist the person with understanding the differences.

Stephanie: Introduce streamlining into your financial management. Simplify, automate, get software, hire out.

Make it easy, not a chore. Paperless equals less clutter.

This simplicity can apply to what you keep or toss/shred, how you pay bills, how you save, how you create a filing system for what you keep.

She shared much more with us, much to think about and bring to clients.

If this is an issue for you or someone you know, love or live with, please direct them to her website, Facebook page, blog or follow her on twitter or even on Youtube for people who would prefer to listen to her advice. The first step is awareness and then education.Stephanie’s focus was in how we organizers can support our clients once they are ready for dealing with these issues around finance. She was tremendously helpful and practical. And you know, there must be so much more in her books, blog and on twitter – so follow her and start your journey.

To your organized finances.

Sue

Whose Vacation is it Anyway?

Wednesday, July 21st, 2010

Sometimes we get frustrated. We save our money and our time. We spend time traveling to our destination. And at the end of vacation, sometimes we can get frustrated. We waited all year for this time but it wasn’t what we expected. Why not? You may not have realized whose vacation it was … or what YOU really wanted from vacation. Make these questions part of your travel and vacation planning and you’ll be happier.

Key Question #1

Making it around that last corner

Making it around that last corner

Whose interests are you mainly planning the vacation around? It’s important if you’re traveling with friends, parents, or children to answer this question honestly.

For example, if you’re traveling with parents, revisiting places they went in their younger years, it’s really their vacation.

You’re along for the ride and it’s a fascinating one. In my book, they get more votes on where to go. If there are activities you want do but they physically can’t, ask yourself how important those activities are to you, compared to spending time with them. Can you return here another time?

If you’re traveling with friends, agree ahead of time on how often you’ll see each other.

Will you go off on your own during the day and meet up for meals or just at dinner? Will you plan some activities together and be honest with each other when you need time away from each other?

If traveling as families, is it the childrens’ vacation? How can you figure in some time to get out of vacation what you want?

So, ahead of vacation, figure out what you want. Make it known. Ask for what you need on your vacation. More on that below.

With expectations aligned before you leave, your vacation with family/pals is more relaxing. “Oh, right. Remember we said that we would … ” And, it’s easier to let go of less important wants/needs, in favor of what others want/need to do, too. Opens up new opportunities.

Key Question #2: What do You Want from Vacation?

Yes, you. Only you. Forget about everyone else just for a few minutes. Stop & think.

What kind of vacation is this? Is it mainly a do-nothing-much-but-enjoy-sitting-and-reading-on-the-porch read type of vacation?  Is it a go-go-go all day vacation? What’s your primary focus for the destination you’ve chosen.
Scheduled or not? How do you relax?   Are you on a schedule to see the sights? Sleeping in? sleeping in for the mornings? Going out at night or staying in?
What kind of food do you need while you’re on vacation? Are you on a diet or eating certain foods for your health? Love to eat out and don’t get to at home? Ask for what you need.
Exercise: Will you keep it going while you’re on vacation? Will you use the same routine as at home or try something new? Give it up for the vacation? Answer this question before you book your vacation spot.
How connected do you want to be on this vacation? Agree ahead of time whether you’ll take the Blackberry, the phones, or a PC. And if you do, do you have to be available all day, or could you select certain hours when you’ll check in?  Or your phone number’s available to your virtual assistant but only to him/her? That option gives you control instead of allowing in the rest of the world.
Just agree together on what you’ll do, so expectations are clear up front.