5 Ways to Clean Up Your Money Clutter

I am quite sure you know that having clutter around your home and office depletes your attention and energy. Note: If you don’t know this already, then please get in touch with me and I’ll send you some helpful references about this. In the same way that physical clutter can detract from your business, money … Continue reading “5 Ways to Clean Up Your Money Clutter”

I am quite sure you know that having clutter around your home and office depletes your attention and energy.

Note: If you don’t know this already, then please get in touch with me and I’ll send you some helpful references about this.

In the same way that physical clutter can detract from your business, money clutter also detracts from your business. Here are 5 steps for you to take to clear out the money clutter – so you can earn more money!

  1. Know the definition of money clutter, i.e., mess, distress, interference, and disturbance related to financial issues. Ask yourself if you have any mess, distress, interference, or disturbance related to money and financial issues. If you are a business owner, then it’s quite likely that you do.
  2. Acknowledge the cost of money clutter. I know from my own experience when I had money clutter as well as from coaching clients around the issue of money that the cost of money clutter is extraordinary. It costs time, relationships, health, energy, and peace of mind. The cost is too high to ignore.
  3. Make sure you have a separate business checking account. If you are commingling your personal and business funds, you have serious clutter. Take care of this today. I’m serious.
  4. Open a separate business savings account. If you think, ‘Well, Meggin, if I had a lot of extra money in my business checking account, then maybe I’d need this.’ I would say to you that you need to prepare a place for the extra money you will earn AND you need to make sure that you have an adequate cushion of money saved for business expenses. It’s essential to manage your cash flow as a successful business owner.
  5. Take a good look at whether all of your clients are current on their payment to you. Clients who don’t pay on time, who bounce checks, or who are overdrawn on their credit cards may need your services or your products, but they can’t get receive those services and products from you unless they have paid what you have asked them to – at least not for long. The reason they won’t be able to get what they need from you if they don’t pay is because you will go out of business – and won’t be able to serve them or anyone else. Clean up this area of mess, distress, and disturbance to the energy of your business.

In essence, all of these are fairly straightforward. It doesn’t mean that implementing these steps won’t take some focus and some effort. It will. But the pay-off…

Staying in business. Making money. Serving more people. All sounds good to me!

Goal Setting – Stop Tolerating Obstacles on Your Path to Success – Tips From a Life Coach

There are simply too many other things cluttering our lives. In order to achieve your most inspiring goals clear the things that zap your energy, time and resources so they can be redirected into the achievement of your most inspiring goal.

“We find no real satisfaction or happiness in life without obstacles to conquer and goals to achieve.” –Maxwell Maltz, Communication Bulletin for Managers and Supervisors, June 2004

Life coaches call all the clutter in our lives tolerations. Just as the word sounds there are things that we are putting up with in our lives that we do not have to be putting up with.

What are the things that clutter your life, zap your energy, take your time and drain your resources?

Your list may look something like this:

– A desk full of stacks of paper

– Peeling wallpaper

– Being overweight

– Not saving money each month

– Too many possessions that need to be cleaned

– Not enough time spent in the garden

– Clients who cancel appointments at the last minute

– Evening telephone solicitations

– Spending eight hours a day in a room with no window

If you find yourself stuck on your path to success you probably need to eliminate some tolerations.

Look back over your list and group your tolerations into the following groups:

1. What is the physical stuff that is blocking you from doing what you need to do to accomplish your goal? For example, is your desk too messy to work at?

2. What is distracting you from thinking clearly? For example, are you too stressed over your finances to get a good nights sleep?

3. What do you keep dealing with or putting up with over and over and over again? For example, your kids keep locking themselves out of the house causing you to often leave work early which has led to a warning from your boss.

By not dealing with your tolerations you are allowing these things to remain in your life, distracting you from going for what you could be. These tolerations are zapping you of your energy, your time and your resources that would better serve you if focused towards the achievement of your most desired goals.

ADD, ADHD, and Clutter – There is Help!

Those of you who struggle with clutter, whether space or paper, know very well the impact it has on your life. For the purposes of this article, the question is: What affect, whether direct or indirect, is it having on your ability to reach your goals?

In some cases the impact is obvious.

  • The time spent looking for a needed item or paper is time not spent doing more productive tasks.
  • You spend time looking for information multiple times because you did not “file” it away so that you can easily access it again when you need it.
  • Trying to keep the clutter at bay takes up more time than using a system to keep organized.
  • The mistakes you make as a result of the clutter require your attention and, of course, time.

Perhaps less obvious is that that physical clutter can lead to

  • mental clutter.
  • feelings of being overwhelmed.
  • shutting down

If you are ready to address your clutter there are three steps.

The first step is cleaning out the clutter. ADD-Friendly Ways To Organize Your Life by Judith Kolberg and Kathleen Nadeau has helpful strategies for this. If you feel that you need help, you may enlist your family or friends. Hiring an organizer may be the answer for you. Be careful, though. Any professional you hire must have an understanding of ADD. Otherwise their expectations and suggestion may not work for you. It is key to your success that whatever you choose to do to address your clutter that it be ADD friendly.

The second step is adopting organizational systems to maintain the now de-cluttered area. Again, Kolberg and Nadeau’s book can give suggestions about systems that may work with your ADD. You may also decide to hire an organizer, who, of course, is knowledgeable about ADD, to help you create an effective system.

The third step, and probably the most overlooked, is implementing the necessary structure to ensure that you will follow through on using the system. Here are some structures that might help you.

  • an appointment in your calendar to remind yourself to use the system
  • a date with a friend or family member to work the system
  • accountability reminders from your coach
  • periodic check-ins by an organizer

While the above three steps are the same for everyone, the level of support you will need to address these steps will vary. Make sure you are getting the help that you need.

What will you commit to doing in order to create a better environment for yourself?