we understand your to-do list is long. Same here. But some things just never
seem to get done, right? Time for some gentle prodding: make 2013 the year you
add these five simple steps to your usual to-dos. Most only take a few minutes
of time to complete. Happy more productive 2013.
up earlier. This may not go over well with the night owls in the crowd but rising
and shining even 15-30 minutes earlier each day will jumpstart your day. More
time equals less stress and better organization. You can even use the extra
minutes for exercise or other wellness activities such as mediation or
got mail!...somewhere. Check your spam folder weekly for emails that have gone
astray. And if you have multiple email accounts, do a weekly review to make
sure important messages aren't being missed. Finally, take 10 minutes at the
end (or beginning) of each week to free up your inbox by clearing out old emails
and responding to outstanding items.
out your 401(k) contributions. Each month countless employees leave money on
the table in terms of matching funds from their employers. If a reduced
paycheck is daunting, cut costs elsewhere to make up the deficit. There may be
no such thing as a free lunch, but free money? Yup, it exists.
your credit history? If you're like many Americans, you have no idea. Given
that identify theft is increasingly on the rise, staying on top of your credit
history is critical. Once a year, use the three main credit bureaus--Equifax, Experian, and
TransUnion--to both monitor and protect your credit. Many experts caution that
credit monitoring is just the first step, and advocate signing up for two years
of a free credit freeze at each of the three main credit bureaus. With a
freeze, no one can look at your credit profile without having you first allow
the ban to be lifted. So crooks can't open accounts or buy items under your
Extra Credit: Overachievers,
we know you love to add a little extra to your routines. How about a thirteenth
mortgage payment versus twelve? Did you know that by adding just one extra
payment annually, you can shave as much as five years off on your loan? For homeowners in your fifties, this can mean
one less expense during retirement. Now that's golden!
Beyond FoldersTM is written by a team of Pendaflex associates
passionate about time management, communications, productivity and workplace organization. Believing in "continuous improvement" on both a personal and professional level, they share their unique perspectives on subjects of common interest to our readers.