National Small Business Week

Every year since 1963, the President of the United States has proclaimed National Small Business Week to recognize the contributions of small businesses to the economic well-being of America. As part of National Small Business Week, the U.S. Small Business Administration recognizes this special impact made by outstanding entrepreneurs and small business owners. In 2011, National Small Business Week will honor the estimated 27.2 MILLION small businesses in America. Small businesses are major contributors to the strength of the American economy. More than half of Americans either own or work for a small business. According to the Small Business Administration, they also create 60-80 percent of new jobs in the country. Yes, you read that correctly: 60 - 80 PERCENT. I didn't make it up. That number came direct from the Small Business Administration's website. Politicians, are you listening? Those are numbers we can sink our teeth into.  Additionally, small businesses drive innovation and increase U.S. competitiveness. Small businesses ARE are the BACKBONE of this country.As a Professional Organizer, I am passionate about my small business clients and moving them to the next level of success. If you are ready to move your business forward, contact me to help you!

One of my favorite things

I am often asked if I believe in using those vacuüm seal storage bags you see on infomercials (space bags). Most do not work well. If you finally do get them to seal up, the seal will likely break open and you may unfortunately finds your linens or other contents have "exploded" into your storage area.As an option, I love the PEVA Clear Storage Containers from The Container Store.

• they are clear so that you can see the contents of your bag;

  1. the zippers are durable so that the contents may be removed &replaced time after time;

  2. they have handles on each side for ease of use;

  3. they come in 3 different sizes;

  4. they are affordable $7.99 - $9.99 each;

  5. they will stack on top of one another on shelves or fit nicely as under-bed storage.

I store extra linens in this way: comforter or sleeping bag / blanket / sheets / pillow -- all in one bag. This way, when we have "overflow" company at the holidays (more than will fit into our 3 extra guest rooms) and we need to utilize sofas and bring out the air mattresses for sleeping, I can simply pull out one storage chest for each guest. So easy!

This week is National Pay Your Bills Week

I try not to look at these things as "national holidays" but gentle reminders of ways we can improve our lives.

Given the current economic climate, everyone seems to be more concerned than ever about money.  Having systems in place can reduce stress, save time, and save money. Almost every client who contacts me has those 3 criteria listed in their reasons for wanting to get more organized. Getting more organized does pay! Don't wait; start TODAY!

PAYING THOSE BILLS

1. Have a designated place for all incoming bills.

2. Decide on a schedule to pay bills and stick to your schedule.

3. Have a place to pay your bills. Have everything in one place to streamline your bill-paying process: checks, pen and pencil, a calculator or calculator program like Excel, any payment coupon booklets, postage stamps, envelopes, return address labels, and a stapler.

4. Balance your checkbook prior to actually paying bills. If you have a joint account, this is the time to communicate with your spouse or significant other to make sure all debits and credits have been properly entered.

5. Have a Master Checklist for all bills. With companies encouraging us all to go paperless, oftentimes if we don't have a Master Checklist, a bill could be missed; you might incur late fees and/or additional charges. Suggested columns for your checklist: Date of Month Due / Payee / Paper or Paperless Bill.

6. Automate where possible or where you are comfortable. For example, bills such as your monthly cable bill can be automated to 1 credit card or auto draft to your bank account. You can opt whether you still receive a paper copy of the bill each month. A note of caution: It is your responsibility to review all bills. Phone companies are notorious for attempting to slip through "3rd party" charges to unknowing consumers.

7. Consider reducing the number of credit cards you actually use to 1 or 2 debit or credit cards. The rewards: less bills coming in; less bills to pay; simplified record keeping; and simplified filing. Those department store and gasoline credit card "rewards" are not truly rewards in the big picture.

8. Simplify your filing routine. If the bills you pay have no Tax or Legal implication, consider filing them by the month you have paid them (Jan / Feb / March ...).

Easy Steps for Reducing Credit Card Debt (okay, I admit it is never totally easy; you first must decide this is something you want to make a priority)

1. See if you qualify for cheaper credit cards. If you have a credit card at a bank, you may be throwing away money. Simply ASK your current company is you qualify for a reduced rate due to your timely payments and FICO score. If not, check out options at a credit union where reduced rates are often offered.

2. List your credit cards, with the highest rate card first. Include the balance, the interest rate, and the minimum payment.

3. Every month: pay extra on your credit card with the highest rate. The goal is to pay that baby off! Keep doing this until all your credit cards are paid off.

4. Every month: as you pay off your high-interest cards, start paying money into a savings or investment account.