Labels for LifeLabels for Life will give tips for organizing your life, home and office.

Monica Ricci, professional organizer, categorizes people according to their work styles. Know your work style and you’ll know how to plan and organize your work life.

She categorizes people as:

• the planner
• the perfectionist
• the go-getter
• the procrastinator

The planner sees ahead and is very well organized, reliable and has a terrific work ethic. However, thinking ahead, s/he tend to horde lots of material in case of future necessity.

One modus operandi would be to create an accordion file, or two or three and loosely categorize and file away material with labels for each eventuality. Every now and then the planner then needs to briefly glance through the labels. Whatever is no longer useful, can then be purged.

The perfectionist, too, is very work oriented and motivated. They figure they must always do everything themselves so they can do it just so. However, this can become very overwhelming. The perfectionist needs to learn to check out others who can help them in their task, grow their trust in them and start gradually delegating first small portions of the work and then larger as time goes on. With big assignments they should be able to hire outside services who they have thus checked out over a period of time and start delegating, being able to supervise and monitor the entire project eventually.

The go-getter can attract projects and is invariably very involved with various people on a wide range of stuff. They often travel in the line of work. They may have a desktop, a laptop, many to-do lists. They need to develop a system through which they can always access all the scattered information. Technology comes rushing through for such individuals. There are many products on the market that helps go-getters access their computer from remote. The NomaDesk is one such which helps a go-getter access any number of computers once s/he is granted access to it by its owner. They can swoop in and use or share software and files on the accessed computer. They don’t need to travel with all the software they normally use on their notebook. For smaller workloads there are the handy flash-drives so readily available.

For the not-so techno-friendly there’s always the good old three-ring binder with all information appropriately labeled and easily accessed from anywhere.

Lastly, the procrastinator! The procrastinator always means to do everything. The question becomes when. It is as if Time is too abstract a concept for them. They never seem to fully grasp that, “Time and tide waits for no man……” They need to transform Time in a more concrete manner. Color coded planners can help them create a timeline in the here and now. It will help them create deadlines. Larger tasks can be broken up and have a series of smaller deadlines to meet.

Thus each work type can use their own means of organization that can serve them well and help them to not only achieve their goals but get less stressed out as well.

Do you shudder when tax-time comes? Do shoeboxes of bills and receipts confront you in April? Organize yourself for tax-time all year round.

Mom and Dad at Taxtime

All is not lost. There’s still time to get ready for April 2009 without getting flustered. You can do one better for 2009 records. At the very beginning of the year grab a file folder, duly label it Tax year 2009. In you pop those DMV bills that let you claim license fees on your 1040. If you have medical bills, prescription, flex or HSA claims, pop them in or better yet, have a separate sub-folder for them. An accordion file, subcategorized with appropriate labels, is another device for all your tax papers.

If you have a home office and who doesn’t these days, have a separate file for your mortgage bills. If you claim your home office on your personal income tax it’s a sound idea to have your mortgage bills readily available. Have you made charitable contributions? Those receipts should also be safely tucked away to claim your deductions. For small business home offices you might have other claims. Do you claim a percentage of your utility bills, landscaping and gardening and other such expenses? All this paperwork should also be ready at hand.

When February rolls around, the bank will send you your mortgage annual statements. 1099s will arrive daily in the mail. All your annual stock statements will be arriving. Immediately stock them away in your 1040 file. As soon as they are all there, you can easily start on your income tax return.

Once those returns are done, you can begin to relax. Maybe for once you can actually enjoy those April showers and flowers and Spring! There’s one more chore, however. If there are credit card statements and other expenses that you couldn’t take any deductions for, if you don’t need them for anything else, do shred and discard them. Returns from previous years and back-up paperwork for them can be archived and put away so they don’t clutter up your new filing system. If you follow these simple tips, when tax-time rolls around again, you will be less stressed. With no disorganization and chaos to deal with, come tax-time you will save time and tax-time will become less taxing!

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Is bill-paying getting your goat? Are those staggering heaps of incoming mail lying on your kitchen table, your dining table and coffee table making you see red? Here’s a surefire way to banish them forever.

Don’t grant them a resting place in your home…..even for a minute! As soon as you pick up the day’s mail, sort them into piles that have one of the three labels, “keep,” “toss” and “ID theft”. It’ll take 30 seconds. Discard your “toss” pile and the envelopes and inserts from the rest of the mail. The “ID theft” pile consists of those invitations from credit card companies etc. You need to shred those letters immediately before tossing them away. That leaves your “keep” pile, which are mostly bills.

Use a bill paying system for your bills. Most banks now offer free billpay or choose one that does. Financial programs such as Quicken also offer this convenience for a nominal charge. Stack your bills right next to your computer. You’ll need to spend an hour or so initially to enter them into your system. You’ll need to enter your bank account number and the account number of the businesses you need to pay, you enter right off of your bill. Once you’ve set this up, you can choose to make payments once a week or once every two weeks. Most businesses, like credit card companies let you adjust your bill due date so that you can arrange to pay most of your bills on one or two sittings at your computer.

You can even set up your payments to get paid 3 or 4 days before the bill due date. Now you’ve dispensed with envelopes, stamps, bills and all that clutter that lies around till you get your check book out and pay those bills. With a click of your mouse and five minutes of your time you’ve vanquished those staggering piles of bills!