Table of Contents
Praise for Regina Leeds One Year to an Organized Work Life
Use this guide to organize your officeand mind.
Shape
Streamline one domain a month to prune clutter and spur productivity.
Self
Readers should find plenty of smart, straightforward and rewarding ways to eliminate chaos from their work lives.
Publishers Weekly
Praise for Regina Leeds One Year to an Organized Life
Making your New Years resolutions? If your goal is to finally clear the clutter, One Year to an Organized Life will break the task down week by week.
Parade
This 12-month guide offers the chronically messy a genuine sense of serenity.
USA Today
Not only shows us the importance of organization, [but] takes us week-by-week through the chaos of our lives and tells us how to get it together, from schedules to scrapbooks to celebrating holidays.
Minneapolis Star Tribune
If this week-by-week guide to getting yourself organized wont do the trick, give up.
Newsday
This easy-to-use domicile detox program will help you tackle every inch of your life.
Womens Health
The perfect book for anyone wanting to find important papers instantly or have a navigable closet. Full of useful information for everyone, from the person who needs simply to clean a messy desk to the person requiring a whole new approach to life; highly recommended.
Library Journal
ALSO BY REGINA LEEDS
One Year to an Organized Work Life
One Year to an Organized Life
The Complete Idiots Guide to Decluttering
Sharing a Place without Losing Your Space: A Couples Guide to Blending Homes, Lives, and Clutter
The Zen of Organizing: Creating Order and Peace in Your Home, Career, and Life
This book is dedicated to Jamie Ann De Stefano...... cousin, mentor, and friend.
Introduction
Reflect upon your present blessings, of which every man has plenty; not on your past misfortunes, of which all men have some.
CHARLES DICKENS
CERTAIN FOUR-LETTER WORDS CAUSE a stir when uttered in polite society. But a simple five-letter word seems to trump them all: money. You would think it was the Devils own invention the way some respond. We treat money as if it had a magical power all its own. We say it slips through our fingers or, worse, burns a hole in our pocket. Some believe its the root of all evil. Gordon Gekko, in the movie Wall Street, felt that greed is good, while saints of all religions have exhorted us to give it all away and live simply. Whats a person to do?
GETTING A FRESH PERSPECTIVE
Money itself is neither good nor bad. If its managed with wisdom and care, however, it can bring much good into our lives. The goal of One Year to an Organized Financial Life is to bring clarity, simplicity, and order to your financeshelping you feel secure for the future, no matter what life throws at you (or your bank account).
Really, money is nothing more than a tool. A hammer can help you build a home, or you can drop it on your toe and yelp in pain. The power lies not in the hammer but with you and the decisions you make about how to use it. Just so, money can help you keep a roof over your head, educate your kids, secure your retirement, and travel the world. A lack of a financial plan, or an obsession with it, can turn an otherwise good life into one of constant struggle and sweat. Are you the friend who always picks up the tab at dinner? Are you driven to buy the trendiest clothes? Nothing is inherently wrong with being generous with your money or fashionable. However, if these traits are, over time, leaving you without emergency funds, a retirement portfolio, or adequate medical insurance, you might want to adjust your priorities.
As the world economy has tumbled and seemed to reinvent itself, it has become evident that everyone must take responsibility for his or her own financial well being. For example, do you know how much cash you have in the bank? Are you aware of the total you owe on credit cards and what interest rate you are paying? Is your family adequately covered by insurance? Could you be paying less for your mortgage? Do you follow the progress of your investments? Are you on track for retirement? How might you find qualified professionals to guide you, if you need assistance? The average person runs the engine of his or her personal economy as if it were controlled by a runaway train. We close our mental and emotional eyes and hope for the best.
Often, beyond not knowing what we owe, we have no idea how the money we earn is spent. Budget? I dont have the time. A 2008 National Foundation for Credit Counseling survey of Americans spending habits found that just 42 percent use monthly budgets and that 64 percent had not ordered their credit report in the past year. And MSN Money reports that nearly 30 percent dont know the interest rates on their credit cards.
As a professional organizer, I dont make stock picks for my clients. I can, however, show you how to keep each aspect of your finances organized in a simple, easy-to-retrieve fashion so that the decisions you make are informed. And with the help of my coauthor, expert financial planner Russell Wild, well open the door of understanding to some areas that may have confused or mystified you in the past. If your eyes glaze over at the mere mention of a Roth IRA, youre holding the right book. After all, knowledge is power.
Russell Wild and I decided to present a united front by using the pronoun I throughout the book, with the occasional we tossed in for good measure. You can probably guess who knows more about creating a great file system and who wrote the passages about mortgages. Weve taught each other a lot this past year. And now youll benefit from our collaboration.
Taking care of business when it comes to finance can be a daunting task, and surely one the average person puts on hold for a variety of reasons. Perhaps you havent known where to begin or who to go to for guidance. Maybe you were so afraid of making a bad move in investing that you decided not to get involved. The stock market can wait, you thought. It all boils down to fear. In this book, Russell Wild and I give you a basic financial education. And you have a year to complete your studies and implement as much of the program as you are comfortable embracing. Rome, after all, wasnt built in a day.
HARRY AND SALLYS STORY
Several years ago I organized the home of a wonderful man Ill call Harry. He lived in a large house outside a major metropolitan area. He was married to a great lady and they had three children. It was clear that Harrys career as a top attorney afforded a luxurious lifestyle. Every nook and cranny of the house, however, was filled with unnecessary and space-robbing stuff. How had they accumulated it all? This is the story Harry shared with me.