Quick Tip to Clear Clutter

One of the best ways to put more balance in your life is to get rid of clutter. I sincerely believe that a cluttered house or office just creates disorder in your mind, not to mention the guilt you feel about how you should be spending your time straightening up instead of doing what you really want.Start first with the mail you bring in as you come home at night.

Spend a moment right in front of the trash can or recycle bin and sort it. Junk mail should be dumped right then. Pile all magazines in the same place, newest ones on the bottom.

This way, when you have time to read them, you are looking at the oldest issue first.Bills are next- who wants them staring at you in the hallway every time you come home? Open them up immediately, check the due date, and file them in some type of organizer that will remind you to pay them. Check this file weekly and pay them based on when you get paid. This way, you won't pay them late and you won't spend your hard-earned money on late fees.If you spend just five minutes a day going through your mail, this will be one less chore that needs to be done on the weekend.

.Kathy Swann freelances as a bookkeeper for several clients and is the author of "How to Win When You Lose Your Job: A Handbook for Those Soon to Be Unemployed" which is available at

By: Kathy Swann

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Safe Shopping

Almost everywhere we shop-from the toy store at the mall to an online linen warehouse-we are asked to provide personal information. Some stores ask for a zip code or phone number at the checkout. Online sites may demand more,

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Do you love the convenience of online shopping but worry about who might be grabbing your credit card information? The truth is, using your credit card anywhere puts you at risk. Anyone who handles your credit information is a potential thief. But the Internet somehow instills greater fear. As we'll see,
Do you derive pleasure from pressing innumerable buttons on your touch-tone keypad just to get an answer to a simple question? How about logging on to a Web site and clicking aimlessly around, deluged with pop-up ads, to learn more about your long-distance account? Do you get a real kick out of being a target of cross-promotion?
Shopping Online Safely, There can be real advantages to shopping online: Prices are sometimes cheaper and product selection greater; it's often easier to find information about a particular product; parking isn't an issue; and the Internet is open 24 hours a day. But online shopping also has inherent risks and disadvantages,