Unless you are living under a rock or in a cave, you know and are well aware that we are still in the midst of an economic "crisis". This scares many people. The fear of losing your job, your home and/or your investments can be overwhelming. 

However, the one thing I have observed recently is that this "crisis" is forcing people to stop and think about their particular financial situation and have a desire to become more aware of where their money comes from and where it is going.

The number of people per month who are still applying for unemployment compensation in the United States is staggering.  Of the nearly 52 million U.S. homeowners with a mortgage, about 13.8 million, or nearly 27 percent owe more on their mortgage than their house is now worth, according to Moody’s Economy.com. Most people have seen their investments and retirement funds decrease by approximately forty percent. The average American has approximately $10,000 of credit card debt. No wonder everyone is scared.

Many have attempted to cut back on spending in order to make ends meet and attempt to get out of debt. However, without a plan in place, you cannot be successful. If you do some research, you will find that many financial advisors and other "experts" have put together systems for creating a solution to your budgeting woes. I have found them to be very complex and time consuming, discouraging most people from utilizing them.

In order to successfully create a plan for financial success, you need to create a budget. A budget will provide you with a way to not only analyze your income (by way of a pay check, investment rental properties, alimony, child support, governmental benefits, etc.) but will provide a visual aide to see where the income is going. You cannot budget your money if you don’t know where it is going.

So, how do you begin to even create a budget, you ask? You will need to determine your income, determine your expenses and then create your budget based upon that information. This can sometimes be a complicated and time consuming process.

You will need to determine whether your monthly expenses exceed your monthly income. Does your current problems involve the inability to save month each month? Do you wonder where all your money is going each month? Do you feel that your life is getting out of control because of your finances?

If so, you need to develop a personalized budget so you can better manage your finances. Ask yourself - "How can I possibly manage my money if I don’t have any idea where it all goes each month?" The answer - you need to become more disciplined with your money.

Many people make the mistake of cutting back so drastically that there is nothing left to enjoy. Many get caught up in the "this minor expense won’t matter" syndrome. Before you know it, "these minor expenses" are added over and over throughout a month and before you know it, they really add up. This is sometimes where overspending occurs. And, don’t forget that budgeting needs to include saving money. Planning for those things you enjoy makes it much easier to stick to your budget in the long run.

You may ask why it’s so important to record all of your expenses. It’s important because, if you don’t track your expenses, eventually they get out of control. You need to have a system and it needs to be documented.

Now, more than ever, everyone is looking for that simple way to manage and budget their money. No one wants to take time to work with a complicated system.

No one has the time!

Take the first step now. Acknowledge that you need to get on a budget and commit to finding the support and tools necessary to get it done!

If you need some assistance, I have developed the "U Can Do It Budgeting System" based upon the budgeting system I have used for myself for over 25 years as well as my years of experience setting up personalized budgeting systems for my clients. Visit the ABS Store right on this site learn more.

In the meantime, have a great week!

Since we are well into tax season, many people tend to refocus their attention on their workspace where they pay bills, run a home-based business or correspond with friends and family.

For this reason, I thought it appropriate to provide some tips you can use to create an organized and inviting workspace.  After all, who wants to work in a space that is cluttered and, therefore, uninviting? 

Whether you're sitting at the kitchen table writing out bills, working at your desk in the home office, or writing a note to a friend on the computer, a pleasant, organized environment will allow for both productivity and creativity.  Focus on the following suggestions and you will find that the productivity and creativity will become established.

1. Eliminate the chaos.   If you have a disorganized work area, it will reduce the physical space needed for productivity, block your creativity, and increase the chances that you'll lose something which will dramatically increase your stress level. (No one needs more stress.) So, clear the clutter. Provide yourself with plenty of empty space. Keep a wastepaper basket near your workspace to encourage daily decluttering and clean-up.  Don't overload the space with nicknacks and picture frames.  Only keep those few inspirational pieces that you enjoy seeing in view, but out of the way.

2. Stock your workspace for its main functions. Determine what you need to use in the space and plan around that purpose. If you use a desk at home to write out bills, make sure you have a few pens, a calculator, some postage stamps, envelopes, address labels and other necessary supplies right in, or near, that work area. This will help make the task much quicker and easier.  Your filing system should be close by as well.

3. Use those organizing tools. Using appropriate sized baskets, stackable trays, letter trays, pencil holders, paper clip containers, file folders and other organizing tools can help you get your workspace organized. Before buying any of these tools though, be sure to take the time to think about why you need that tool and if the tool you're thinking about is the best one for the job.  For example, a decorative container on your shelf might hold all of your office supplies, but a drawer organizer can allow you to put more like items together for easier access.  

4. Think ergonomics. If you feel physically uncomfortable in your workspace, you will not be able to focus and will therefore be less productive and creative.  Do you suffer from eye strain?  Do your muscles ache from constantly stretching to reach something?  Do your wrists hurt from them being on a wrong angle for too long?  Does your back hurt because your chair is not comfortable?  Then, it's time for you to re-think and rearrange your physical workspace for health and comfort. Make sure there is sufficient lighting conditions. If not, you should consider adding some overhead track lighting or additional lamps that provide good task lighting. If your chair is not right for you, perhaps the seat should be raised or lowered. If your wrist hurts from using the computer mouse, get yourself a mouse pad with cushioning.  Lastly, make sure your computer monitor is positioned correctly, either at or below, eye level, at a comfortable distance.

5. Put stuff away at the end of the day. This is very important!  When you're done using your workspace for the day, put everything back in its place. Don't leave this area in chaos. This way, the next time you return, you'll have an inviting space that will allow you to get down to work without delay.  Who wants to start working in a chaotic and cluttered environment? 

If you follow these simple tips, you will find that you will have an organized and inviting workspace in which to work.

If you are feeling overwhelmed with the prospect of getting organized, however, don't hesitate to contact me.  I will be glad to get you on the road to life long organization.

In the meantime, have a great week!

I found this information and thought it might be helpful so I am passing it on...

Since an estimated 250 million computers became obsolete in the past five years, recycling e-waste has never been more crucial.  But figuring out how to do it isn't always easy. 

To help the eco-conscious with this dilemma, STAPLES has gotten involved and has launched an in-store e-waste recycling program. 

Drop off home-office equipment (computers, monitors, printers, fax machines) to any store nationwide, no matter where you originally purchased it, and for just $10 per item, the chain will recycle it according to the EPA's standards.

Bring in your extra keyboards and mice, too - they'll take care of those for free.

Hope you find this helpful in getting rid of your old home office equipment and feeling good about doing so.

If you are feeling overwhelmed with the prospect of getting that home office organized, contact me at A BETTER SPACE.  I will be more than happy to help.

Have a great week!