organizational skills http://www.wisebread.com/taxonomy/term/10296/all en-US 3 Smart Investments for Greater Productivity http://www.wisebread.com/small-business/3-smart-investments-for-greater-productivity <div class="field field-type-link field-field-url"> <div class="field-label">Link:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <a href="http://www.openforum.com/articles/3-smart-investments-for-greater-productivity" target="_blank">http://www.openforum.com/articles/3-smart-investments-for-greater-productivity</a> </div> </div> </div> <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/small-business/3-smart-investments-for-greater-productivity" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000011680834Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>A faster computer might help you work faster, or it might help you get on Facebook faster. So if speedier laptops for everyone aren't the answer, what is?</p> <p><b>1. Training</b></p> <p><a href="http://www.openforum.com/idea-hub/topics/money/article/should-you-spend-money-on-education-1" target="_blank">Training </a>is perhaps the easiest and smartest way to increase productivity. If you can get training that increases your skills and those of your employees, then everyone can be more productive. Remember, productivity means the ability to produce value; in this case, the value is the role each employee plays in the company.</p> <p>Your sales team gets some training that helps them to make more sales. Your management team learns new techniques for handling employee conflicts and streamlining the systems. Your writers learn how to do better work in less time.</p> <p>Good training, given to the right people, and applied effectively, will make you and your team sharper, better, and able to produce higher quality work in less time. You'll also run faster and jump higher...</p> <p>Did you catch those three requirements, though?</p> <ul> <li>Good training</li> <li>Right people</li> <li>Applied effectively</li> </ul> <p>The first two keys are obvious; the last is where we typically goof up.</p> <p>Let's say you just sent your head of sales, Jen, through an intense, high-quality sales training weekend. She comes back blazing, full of ideas and energy, ready to go. Within hours of her first day back, she's pitching ideas your way... and you're getting overwhelmed.</p> <p>&quot;Hey, Jen,&quot; you say, &quot;those are great ideas. Let's think about them. Right now we're in the middle of XYZ-excuse and we just can't handle anything else.&quot;</p> <p>Stifle your employees when they're charged up after new training, and you're throwing that money and time into the trash. If you want the investment you made into training to be a smart investment, give them room to implement what they've learned.</p> <p><strong>2.</strong> <b>Getting Personal Productivity Help</b></p> <p>Take a long, honest look at your work space, your filing system, your office organization, your supply closet, your accounting system, your policy and procedure manual (what? you don't have one of those?), your set-up for maintaining company property like fleet vehicles, equipment, and expensive tools.</p> <p>Are you grimacing yet? Hm. You must be one of those stereotypically and chronically disheveled, overbooked, unorganized entrepreneurs.</p> <p>It's painful, I know. But help is out there.</p> <p>If you do get yourself some of that help, and get yourself operating at a higher level of productivity, you will see what we like to call a trickle-down effect. Yes, it's real. How seriously are employees going to take company mandates to be organized and orderly, meet deadlines, quit wasting company time, and be more productive if the man or woman in charge isn't doing any of those things?</p> <p>Start by getting professional help or training for the basics of productivity:</p> <ul> <li>decluttering;</li> <li>organizing;</li> <li>scheduling;</li> <li>setting up systems.</li> </ul> <p>Then carry the concepts out to how you set up and run your entire business. Take the time out from &quot;working&quot; and invest it in setting work up to operate in a productive way. The moments you spend, and the money you might have been making in them, will end up boosting your productivity and that of your entire team.</p> <p>If you do it right &ndash; setting up systems, training employees, finding organized ways to handle the material stuff of the business, and sticking to the routines and rules you put in place &ndash; you'll only need to maintain it to keep that productivity level up.</p> <p><b>3. Hiring Someone to Do the Things You Shouldn't Be Doing</b></p> <p>Pop quiz: if disorganization is fatal flaw #1 for entrepreneurs, what's fatal flaw #2?</p> <p>Micro-managing.</p> <p>Actually, maybe micro-managing is fatal flaw #1 and disorganization is simply a symptom of it. At any rate, when you &ndash; business owner, CEO, entrepreneur, manager, whatever &ndash; are trying to do another full-time job or two on top of what you're already doing, you're wasting time and losing money.</p> <p>No matter how productive you are, there are limits to your productivity. You can do some things, but you cannot do everything. Neither can your employees. Expecting you or your employees to take on more than is realistic leads to frustration, stress, burn out, and, yes, lower productivity.</p> <p>If you're spending hours a day keeping the books when you should be developing the products, hire an accountant.</p> <p>If your best developer is answering customer complaint calls because no one else is there to do it, hire an assistant.</p> <p>You'll spend money, yes. Salaries are hefty. But you need to have an adequate work force if you're going to get the job done, and freeing yourself and your key employees up to do the work you're supposed to be doing &ndash; the core, important work &ndash; means that you'll all be doing more of that work.</p> <p>Result? Increased productivity.</p> <p>Increased productivity? More money.</p> <p>You can thank me later.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/small-business/3-smart-investments-for-greater-productivity">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/basic-tips-for-investing-in-a-business-1">Basic Tips for Investing in a Business</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/250-tips-for-small-business-owners">250+ Tips for Small Business Owners</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-investing-lessons-you-must-teach-your-kids">10 Investing Lessons You Must Teach Your Kids</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-inspiring-stories-of-normal-people-building-a-thriving-online-store">4 Inspiring Stories of Normal People Building a Thriving Online Store</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses">The 5 Best Credit Cards for Small Businesses</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Small Business Resource Center investment organizational skills small business training Thu, 25 Aug 2011 22:22:22 +0000 Annie Mueller 658260 at http://www.wisebread.com 8 Bad Financial Habits You Should Drop http://www.wisebread.com/small-business/8-bad-financial-habits-you-should-drop <div class="field field-type-link field-field-url"> <div class="field-label">Link:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <a href="http://www.openforum.com/articles/8-bad-financial-habits-you-should-drop" target="_blank">http://www.openforum.com/articles/8-bad-financial-habits-you-should-drop</a> </div> </div> </div> <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/small-business/8-bad-financial-habits-you-should-drop" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000005846204Small.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>Bad habits, you may have heard, are just as much work as the good ones.</p> <p>Once you establish a good habit, it's a matter of routine. Imagine having <a href="http://www.openforum.com/idea-hub/topics/money/article/financial-statement-analysis-recognizing-debt-overload-1" target="_blank">routines in place</a> that keep your finances on course. Sounds great, right? To get those good habits in place, you first must face the bad financial habits you have now. Face them, and then drop them like the hot potatoes they are.</p> <p><strong>1. Being Disorganized</strong></p> <p>Disorganization costs money. Lots of money. Money spent on late fees, interest charges, memberships with groups you no longer associate, subscriptions to journals you no longer read, customer invoices that go unpaid, and warranties that never get filed.</p> <p>Guess what the default system for everything is? Disorganization. Without intervention, the world tends toward chaos. This is especially true of desks.</p> <p>That means that if you haven't consciously put systems in place, all the paperwork and upkeep of business finances will morph into a hideous beast of chronic disorder.&nbsp;Don't let your papers stack up, your invoices fall behind, or your payments arrive late.</p> <p><strong>2. Doing Your Own Taxes</strong></p> <p>Unless you <i>are</i> an accountant, it's good business practice to hire one to make sure your taxes are done properly. It isn't that the system is so complicated you could never handle it. It's more that your time is better spent doing what you already know how to do.</p> <p>Doing your own taxes may not get you in trouble with the IRS, but it will probably cost you in taxes you didn't actually have to pay.</p> <p><strong>3. Being Afraid to Get a Loan</strong></p> <p>There are plenty of bad reasons to get a loan. There are also plenty of good reasons.</p> <ul> <li>You might get a low-interest loan and avoid high interest charges on inventory.</li> <li>You might get a loan in order to relocate your business to a bigger and or better location, with a resulting increase in profit.</li> <li>You might need a loan to purchase equipment that will automate some part of your business process, speeding up production and freeing up your employees for more important work.</li> </ul> <p>A good loan is one that will result in your business being able to make more money. Don't let fear keep you from building your business.</p> <p><strong>4. Undervaluing Your Products or Services</strong></p> <p>I recently purchased some handmade baby care items from a friend who is much more craftily inclined than I am. Every piece is high quality, hand-sewn, and detailed.</p> <p>And the amount she charged me? Ridiculously low.</p> <p>I'm no expert in handmade baby gear, but I know a good thing when I see one, and I'm willing to pay a decent amount of money for it. So are your customers, unless you tell them they don't have to.&nbsp;If your products and services are meeting a demand, allow your prices to rise to that demand. Value what you produce as much as your customers do.</p> <p><strong>5. Letting Small Leaks Sink Your Big Ship</strong></p> <p>Two examples: overdraft fees and warranties.</p> <p>Overdraft fees, late fees, and the like, can suck your bank account dry and can mar your financial reputation with potential lenders and investors. It's money spent on nothing but your own disorganization. Don't do that.</p> <p>If you perform any type of warranty work but fail to submit a warranty on time or according to proper procedure, you're doing work for free. Is this your intention? I'm guessing not. Don't do that anymore.</p> <p>Look for the small leaks, because small leaks have a way of becoming big leaks.</p> <p><strong>6. Ignoring Investments That Boost Productivity</strong></p> <p>It may be a new piece of equipment, a new hire, or a new system that will take some time and money to implement. If you know you can increase the overall productivity of your business, you shouldn't ignore the opportunity to do so.</p> <p>There are smart investments that can help your business be a leaner, meaner, profit-producing machine. Or you can stick that money in your pocket and keep chugging along at your current pace.</p> <p><strong>7. Trusting That You are Getting the Best Value</strong></p> <p>Your customers do comparison shopping, and you should as well.</p> <p>Two years ago when you got that new software or signed that phone contract or joined that big box store for better deals on office supplies, it was the best value. Is it still the best value?</p> <p>By doing a little homework every six months or so on your standard operating costs, you can be sure you're not missing out on a better value. And the best part is that you don't always have to switch services or providers. Keep reading...</p> <p><strong>8. Failing to Negotiate</strong></p> <p>Say you do some research on Internet providers and discover that there's a great deal from another source. Don't call your current provider to cancel; call to negotiate.</p> <p>In order to keep your business, your provider might quickly match the competitor's offer, and you're saved both the hassle of switching and the extra money you were paying.</p> <p>Don't be afraid to negotiate. It's not bad manners to negotiate; it's good business.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/small-business/8-bad-financial-habits-you-should-drop">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/250-tips-for-small-business-owners">250+ Tips for Small Business Owners</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-easy-way-to-negotiate-a-cheaper-hotel-room">The Easy Way to Negotiate a Cheaper Hotel Room</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-recent-grad-paid-off-34k-in-sudent-loans-and-launched-a-business-in-just-4-years">This Recent Grad Paid Off $34K in Student Loans and Launched a Business (In Just 4 Years)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-inspiring-stories-of-normal-people-building-a-thriving-online-store">4 Inspiring Stories of Normal People Building a Thriving Online Store</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses">The 5 Best Credit Cards for Small Businesses</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Small Business Resource Center business investment negotiation office cleanliness organizational skills pricing strategy small business Wed, 24 Aug 2011 21:38:38 +0000 Annie Mueller 667157 at http://www.wisebread.com 'Tis the Season for Decluttering: Why and How To Do It http://www.wisebread.com/tis-the-season-for-decluttering-why-and-how-to-do-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/tis-the-season-for-decluttering-why-and-how-to-do-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2992623941_1d9e3957b2_z.jpg" alt="clutter" title="clutter" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>You've been putting it off for months, maybe years. But there is no better time of year to <a title="How to Downsize and Declutter" href="http://www.wisebread.com/how-to-downsize-and-declutter">get rid of clutter</a> than right at the end of the year. Here are five reasons why.</p> <p><strong>Time.</strong> You have a few days, maybe a week, maybe more to go through everything and take your time while you do it. One of the biggest procrastination reasons to not declutter is that you just don't have the time to do it. Right now is one of the few times you just might!</p> <p><strong>Weather.</strong> If you live in a northern climate (or even California these days), you're stuck in the house to avoid cold and precipitation.</p> <p><strong>Tax Considerations.</strong> You should end up donating a large portion of what you get rid of. And in order for it to count towards your itemized 2010 tax deduction, you'll need to donate and get a receipt before the end of the year. (See also: <a title="16 Great Tax Deductions You May Have Overlooked" href="http://www.wisebread.com/16-great-tax-deductions-you-may-have-overlooked">16 Great Tax Deductions You May Have Overlooked</a>)</p> <p><strong>More Stuff.</strong> It's the holiday season, after all, so you're likely to end up with a slew of new things around the house that you didn't really need. Out with the old and in with the new.</p> <p><strong>Start the Year Off Fresh.</strong> It's the end of the calendar year, and there is no better way to start 2011 than to eliminate all the physical and psychological mess from your life. Get a head start on your resolutions so that your 2011 can be a healthy one.</p> <p>Hopefully that is enough motivation for you to get off the couch and put away the egg nog. But now that you're up, where should you focus your efforts? And how?</p> <h2>How to Eliminate Physical Clutter</h2> <p>Go room-by-room and put every item into one of four piles: trash, sell, <a title="Cleaning Out for a Cause: Make a Noncash Tax-Deductible Donation" href="http://www.wisebread.com/cleaning-out-for-a-cause-make-a-noncash-tax-deductible-donation">donate</a>, or keep. If you can't find a compelling reason to keep something or can't see a need for it in the future, force yourself to put it in one of the other three piles. And then do those things immediately &mdash; don't hesitate.</p> <p>If you're having trouble being this methodical, it might be time to go guerrilla with your decluttering techiques. Set arbitrary black/white rules in order to disconnect emotionally with the possession &mdash; i.e., if you haven't used the item within the last six months, it's time for it to go (unless it is a seasonal item).</p> <p>You should also take charge by <a href="http://20somethingfinance.com/a-complete-guide-to-effectively-organizing-your-paperwork-mail/">organizing mail and paperwork into folders</a>.</p> <h2>How to Eliminate Electronic Clutter</h2> <p>Unfortunately, clutter is no longer of the physical variety anymore &mdash; we are also inundated with <a href="http://20somethingfinance.com/electronic-clutter/">electronic clutter</a> these days. Here is a checklist of what to attack:</p> <p><strong>RSS Feed.</strong> If you have over 1,000 items in your RSS feed, do yourself a favor and mark them all as read. If you have less and have strategically saved many feeds to read, attack each feed one-by-one versus going through all feeds by delivery date.</p> <p><strong>Email.</strong> GMail's archive feature comes in pretty handy here. There are few things as satisfying as reaching &quot;inbox zero.&quot; That is, until the next email arrives.</p> <p><strong>MP3s.</strong> Delete all songs you no longer care for, reorganize into playlists by genre, and sync between all of your devices.</p> <p><strong>Facebook/Twitter.</strong> Get rid of friends and followers who spam or who you don't care for, and update your privacy settings.</p> <p><strong>Documents.</strong> If you haven't uploaded your documents to the cloud, this is a great time to do so. Using Google Docs, you can easily search for content in documents whose names are escaping you.</p> <p><em>What tips do you have for getting rid of physical, electronic, or paperwork clutter?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ge-miller">G.E. Miller</a> of <a href="http://www.wisebread.com/tis-the-season-for-decluttering-why-and-how-to-do-it">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-easy-organizing-changes-you-can-make-today">25 Easy Organizing Changes You Can Make Today</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-unusual-ways-to-sell-your-stuff">11 Unusual Ways to Sell Your Stuff</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-downsize-and-declutter">How to Downsize and Declutter</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-a-deep-declutter-can-improve-your-life">12 Ways a Deep Declutter Can Improve Your Life</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/talking-trash-is-your-messy-mind-the-cause-of-your-messy-house">Talking Trash: Is Your Messy Mind the Cause of Your Messy House?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Organization clean house decluttering organizational skills Fri, 24 Dec 2010 16:31:45 +0000 G.E. Miller 412159 at http://www.wisebread.com Why Can't You Ever Make On-Time Payments? http://www.wisebread.com/why-cant-you-ever-make-on-time-payments <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/why-cant-you-ever-make-on-time-payments" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/clock_0.jpg" alt="clock" title="clock" class="imagecache imagecache-250w" width="250" height="173" /></a> </div> </div> </div> <p> <meta http-equiv="CONTENT-TYPE" content="text/html; charset=utf-8" /><br /> <title></title><br /> <meta name="GENERATOR" content="OpenOffice.org 3.0 (Win32)" /></p> <style type="text/css"> <!-- @page { margin: 0.79in } P { margin-bottom: 0.08in } --><!-- @page { margin: 0.79in } P { margin-bottom: 0.08in } --> </style></p> <p style="margin-bottom: 0in;">How <em>frustrating</em> is it to pay all of your bills each month when you finally get a minute to sit down and take care of things, only to find out later you got socked with penalties and late fees again for being late? Not only is it frustrating, it is a complete and preventable waste of your hard-earned money.</p> <p style="margin-bottom: 0in;">Many creditors are no longer as forgiving about grace periods and payment timelines. It is now more important that you have an organized system for ensuring all of your bills get paid and on-time, each time. You need to change your financial habits to eliminate late fees and help you on your way to <a href="http://www.wisebread.com/goal-setting-getting-out-of-debt-once-and-for-all">living a debt-free life</a>, with a much-improved rating of credit. Since no one method works for every single person or financial circumstance, here is a check list of questions to get you thinking about your money habits and how you can mold them to a more effective way of managing your financial responsibilities.</p> <h3><strong>Why is it so hard to be on time each month?</strong></h3> <p style="margin-bottom: 0in;">Perhaps the reason your financial house isn't organized is because the rest of your life is helter-skelter as well. Are you always late because you just do not have the time to devote to your money issues? If that is the case, you need to know that you absolutely do have the time. You just need to find it. That will involve changing your daily habits and making a stronger commitment to getting out of debt and making the most of your money. As we are all dealing with chaotic schedules, there will come a time when you need to slow down and take a look at what unnecessary things you can cut out to make more time for the important things. This is not only important for your money matters, it will also prove to be important for your levels of stress and your overall health. If you are paying bills late because you don't have time, your first step should be a re-evaluation of your daily living habits.</p> <h3><strong>Is it due to lack of money?</strong></h3> <p style="margin-bottom: 0in;">Some people are late with bills because they just don't have the money to pay them. This can be a difficult situation but definitely not one that is out of your control. If you have prepared a monthly budget, you should already know how much money it takes to meet your financial obligations for the month in conjunction with your income. If you numbers total out to be a negative, it is time to look for <a href="http://www.wisebread.com/should-you-take-a-second-job">more income</a> or <a href="http://www.wisebread.com/getting-by-without-a-job-part-3-cut-spending">cut your costs</a>. If you have a good job, get your act together and make a case for a raise. If you want more from your career, maybe it is time to look for something new. If a new job is not in the cards for you, pick up some odd jobs around the neighborhood or apply for a part time position to add the needed income to your monthly budget. If you are not capable of altering your work life, take a hard look at what you are spending your money on and start making sacrifices. <a href="http://www.wisebread.com/now-its-easier-than-ever-to-cut-the-cable">Cut out the cable</a> or <a href="http://www.wisebread.com/6-reasons-i-still-dont-have-a-cellphone-plan-yet">cell phone bill </a>to save on money. There are a number of things <a href="http://www.wisebread.com/in-times-like-these-separate-the-want-from-the-need">you can live without</a>, at least for a little while until you get yourself out of debt.</p> <h3><strong>Are you not adept at handling money?</strong></h3> <p style="margin-bottom: 0in;">Some people just have no clue how to deal with money issues. Either they had parents who were always late in paying bills or they were just never taught <a href="http://www.wisebread.com/ow-do-you-deal-with-family-members-who-are-bad-at-managing-money">basic management skills</a>. Whatever the reason, there is no shame in asking for help. There are plenty of <a href="http://www.wisebread.com/organized-tips-on-getting-through-tough-times">free online resources</a>, including our site, where you can learn from other people's experiences. Take a basic personal finance class offered at the local community center. You don't necessarily have to hire an expensive CPA to deal with your basic expenses. You can learn to do it on your own if you really want to find financial freedom.</p> <p style="margin-bottom: 0in;">Whatever the reason your bills are late each month is just not a good enough excuse for doing something about it. Procrastination will cost you a ton of money if you do not change your money habits. Think about it &ndash; would you take a $5 bill and throw it out of the window of your car? Nope, probably not. But in essence, if you are freely paying money to your creditors because you don't have your act together, you might as well leave your wallet open on the roof of your car then next time you feel inclined to take a drive on the freeway.</p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tisha-tolar">Tisha Tolar</a> of <a href="http://www.wisebread.com/why-cant-you-ever-make-on-time-payments">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/money-matters-why-all-the-secrecy">Money Matters: Why All the Secrecy?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/64-funny-inspiring-and-stupid-money-quotes-from-famous-people">64 Funny, Inspiring and Stupid Money Quotes From Famous People</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-and-worst-places-to-stash-cash-in-your-home">The Best and Worst Places to Stash Cash in Your Home</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/figuring-the-size-of-your-emergency-fund">Figuring the Size of Your Emergency Fund</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/will-work-for-food-the-primal-connection-between-food-and-personal-finance">Will Work For Food: The Primal Connection Between Food and Personal Finance</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance bill payments financial concerns money matters monthly payments organizational skills Mon, 12 Jan 2009 22:28:05 +0000 Tisha Tolar 2728 at http://www.wisebread.com