Posts Tagged ‘money’

We made it through January, the days seem to be getting a little longer and we want to believe spring may be just a little bit closer.  

February also brings us Valentine’s Day. Have you ever heard the term Happy Spouse, Happy House?  Why spend money on flowers, chocolates, stuffed animals or expensive jewellery, if none of that is what either of you really want or need?

Organizing is not just about cleaning up what you have, but it is also learning to keep out what you do not need.  It is about being a smart consumer and filling you space with less stress.  So, before you buy into the hype of what consumerism wants you to believe Valentine’s Day is about, STOP, and be honest with yourself and your partner (if applicable) and family.  Maybe this Valentine’s Day you think outside the box (of chocolates) and get something/do something that is really for you and your family.  So, how can Professional Organizing help you find this truly meaningful gift?  By offering the best gift of all, the gift of organization.

Instead of bringing more into the home, or spending money on an expensive dinner and possibly a babysitter, spend the money on making your home, you, and your family happy.  Reduce the stress that too much stuff or lack of organization can create. Let us teach you, your significant other (and even the kids) how to get organized and stay organized.  Do something together, or for each other that will last longer than one day.  Make Valentine’s Day about loving your home, your space, and your time. 

Trust me, the high you get from the gift of organization is almost as timeless as diamonds! 

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As Certified Professional Organizers we are asked to come into homes and offices to help with the clutter that has just gotten out of control. Clutter that has taken over the space and soon to be the person’s life. Something that I did not foresee was the need my clients have when it comes to the “clutter” in their financial worlds.

In the past two years I have noticed that there have been more and more clients asking for help to “organize” their finances. They have told me that they feel trapped, suffocated and buried alive when looking at the numbers. All of these feelings were old hat to me, but this new desire to ask for help to de-clutter their financial woes was new.

We have always come highly recommended when people are looking for help in offices and businesses. The team from Just In Time Solutions has an amazing organizer, Erin Playford who is very good at streamlining and taking a step back and seeing where the holes are in existing processes. But, these new enquiries weren’t asking for the systems that we use to keep an office or business running smoothly, they were asking for help to get out from the mountain of debt.

We are not specialist in this field. We are learning with the best of them, however the fact that we have the experience and knowledge to look outside the problem and analyze it helps in this growing field. In extreme cases, I would always recommend a client seek help from a financial planner, or debt solutions expert. But we have had a few clients who we’ve managed to help sort through the rubble and get them on track to financial stability.

Mainly our goal was to get everything out in the open, look at the money going out and what was coming in. Budget for the absolute necessities.

  • Roof over your head ( Mortgage/Rent)
  • Food
  • Heat/Hydro/Water
  • Insurance

Taking those things right off the top of our income and seeing what’s left. One rule we’ve learned from our research is, after you’ve covered the necessities, start paying off the highest interest owed loan. You WILL NEVER get out from under the stress of financial debt if you’re just making “Minimum payments”. If a client has more then one credit card or outstanding loans, again we recommend they speak to a Certified Debt Solutions professional.

From there, what we recommended to our clients was go to a cash budget. No more CARDS, they are so easy to be taken advantage of. So go old school or go home! We set out pencil cases for one client and labeled them according to what she needed weekly.

  • Grocery
  • Gas
  • Hairdresser
  • Church
  • Entertainment
  • Scrapbooking
  • Cleaners

You see we still wanted our client to live a life she was comfortable with, meaning she still wanted to get her hair done and have a cleaner help her with her home. But we did get her to realize that she only needed to get her hair done once a month and the cleaners could come bi-weekly. Just pointing out the savings from those two decisions gave our client the incentive to go further! Once a week (Same day – every week) our client goes INTO her bank. Says good morning to an actual teller and hands her a list of the money and the denominations she is looking for. The teller ( who by now knows exactly what is needed) smiles and encourages our client as she puts each amount of cash into the appropriate case. One thing that made this easier on us was the fact that our client was on board and “hard on herself” – she wanted the stress of no money at the end of the month to be gone! Once her case was empty, that was it! She didn’t have any more money to spend – no if, ands or buts about it!

Are we financial wizards? No. But with a little “outside” help our client has managed to pay off her credit card in six months. And is diligently working on her line of credit.

One thing we’ve learned from this particular client is once you’ve set up a system and they see results from their daily due diligence they will take the challenge even farther. This particular client surprised us at the end of 6 months with a “cash jar”. The extra money that she had saved from her weekly cases! She had wanted a bicycle, so anything she hadn’t spent, she tucked away and at the end of the 6 months she had proved to herself and us that given the right path she could surpass her goals!

Debt

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