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Financial Organizing Strategies That Will Change Your Life!
Tax Time! Working with a Professional Organizer to prepare for taxes is a super smart idea. Office and Paper Organizing is a lot of fun to me. I help clients purge the excess paper clutter, toss out-dated files, create a new filing system, or improve on an existing filing system that needs some help. I help clients figure out what they need to keep/not keep. I consult, coach and advise on a new structured regimen for their office schedule and activities that will help improve their productivity, whether in a home office or corporate office. Did you know that clutter kills concentration and productivity? I also help re-arrange office furniture and edit decor to improve space flow and aesthetics, making your office warm and inviting instead of a Stress Zone you want to avoid. I've helped with picking out paint colors many times, too. I'm here to help completely transform your office--from mess and chaos, taming paper clutter, and decorating. Call me for a Free Phone Consultation to see if we are a fit to work together! 415-786-8266. I service the entire San Francisco Bay Area, No Travel Fees!
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A CPA, a Bookkeeper, and a Professional Organizer walk into a Bar....
And join you for a drink! I'm not a comedian, folks. I am serious though about the freedom of mind you'll gain when you get your office and paper clutter tackled. The Professional Organizer gets you....well, Organized. And then the Bookkeeper can make sure your finances remain in order, budgeted and managed. The CPA relies on the Organizer and Bookkeepers' help so his/her job is easier in making sure your taxes are done properly and nothing is left out, so you won't be in fear of less of a refund or a nasty audit. Do you have your 3 Muskateers rescuing you? Or are you still drowning? Call me! 415-786-8266.
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Quick Tips to Stay on Top of Your Bills!
- Create 3 Folders to keep in the very front of your filing drawer: "To Pay," "To Do--Now," and a "To Do." Keep the bills you need to pay in the "To Pay" folder, adding any time you get a bill in the mail. Keep up with your mail--open and file right away! File, Don't Pile!
- Do automatic deposits and payments through your bank.
- Keep a reality check on your finances through your bank's mobile app.
- Create a budget. Here's just one of many sites that can help you out:
http://frugalliving.about.com/od/moneymanagement/a/Budget_Form.htm
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Give Yourself Some Structured Breathing Room! And Don't Get Late Fees Again!
Call all of your utilities and creditors, and schedule your bills to be due on the 20th of every month. Since most people pay their mortgage/rent on the first, and it's usually the largest bill, this will give you time to recover in-between bill paying. Sit down and pay all of your bills on the 15th of every month, or have them automatically debited. Sticking to paying everything on the 15th, but due on the 20th, will allot you an extra 5 day grace period in case things get really sticky on a particular month, and ensure you don't miss payments ever again.
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Manage Your Credit Report
- First, Take a Look at your Credit Report. I personally use TrueCredit.com, and have used them since 2008. I can get a full report every 30 days, and a new report with TransUnion, the owner of TrueCredit.com, every day if I wanted. You can make disputes directly to the bureaus from the website, too.
- Which brings me to my next point: Dispute the Errors on your credit report. Wrong name, address, employment name or start date? Has there been a credit increase on your credit card that isn't being reported by one of the bureaus? Did you know that you can dispute all of your inquiries. Legally, they can stay on there for 2 years, but oftentimes if you ask nicely, they'll be removed. Make sure your report is accurate and unified across all 3 bureaus.
- Ask for negative items to be reviewed/dropped if it's been a long time, you were only an authorized user, or your accounts were used fraudently by a thief.
- Is a bureau forgetting about one or more of your accounts? Make sure the bureaus know about ALL of your good-standing credit history to ensure they are reporting all of your good marks.
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Credit Card Chaos
- First, KNOW what credit cards you have. This is usually found via Paper/Office Organizing and Looking Up Your Credit Report.
- Secondly, CALL each credit card company, and ask for your balance, available credit, and percentage rate.
- Make sure each credit card has your up-to-date name, address, phone number, email, etc.
- Make sure the authorized user is correct, or that you delete the person from having access.
- Ask for a Decreased APR, an Increase of Credit, and a Unified Biling Cycle--the 20th of the month. For every card. There's no harm in asking!
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Now Go Get Organized! :-)
Upcoming Newsletters:
How to Get Your Love Nest Organized for Valentine's Day!
&
Closet and Wardrobe Organizing for those on the Dating Scene!
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Join Us!
Join Kiera Rain, Bay Area Professional Organizer, at the March Lunch and Learn on Tuesday, March 4, 2014 Noon to 1pm!
Join Kiera Rain, owner of Bay Area Professional Organizer, at the Bishop Ranch Lunch and Learn in March for Paper, Office and Tax Organizing Help! Mark your calendars now! Lunch Provided! Free Admittance!Are you sick of staring at paper clutter? Confused by all of your old files, paper piles, and what to keep/not keep? Consumed by overwhelming to-do lists and not enough time in your day to tackle it all? Is your home office running a-muck also? Kiera will be giving out Organizing Tips left and right to transform your office and reign in the Paper Terror, just in time for Tax Time! Pick her brain, see real before and after pictures, and learn empowering organizing tricks! Kiera Rain has been a Professional Organizer for Homes, Offices and Businesses since 2003. She has practiced in West Virginia, Georgia and California. To learn more about Kiera Rain, please visit her website at http://www.BayAreaProfessionalOrganizer.com.See you soon at the March Lunch and Learn!Date: Tuesday, March 4, 2014 Time: Noon to 1pm! Address:Sunset Development Company One Annabel Lane Suite 201 San Ramon, California 94583
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Book Your Organizing Sessions Now!
Be FINALLY FREE of Clutter for 2014! "De-Clutter to De-Stress!" with Kiera Rain, Bay Area Professional Organizer. Organizing ProcessFAQ And PricingSchedule a SessionCall Kiera Rain on her cell at 415-786-8266 for a Free Phone Consultation! You can also reply to this email.Bay Area Professional Organizer for Homes,
Offices and Businesses since 2003!
Serving the Entire San Francisco Bay Area. No Travel Fees!
925-290-RAIN
info@TheBayOrganizer.com
http://www.BayAreaProfessionalOrganizer.com
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