So here we are in 2009 and January is usually a slow time of year...I mean it's not likely you are going to play a round of golf after 5pm tonight so it's a great time to sort a few things out.  Take a little time and do the following and it will save you time and energy later!

1. Let's Start with Clearing the Clutter: We say we are going to do it but we are all so good at procrastinating. Spend a little time going through your old files, and shred those receipts, bills, and statements you no longer need, like old ATM receipts and utility bills, paystubs more than a year old, and receipts for things that are not deductible.  Speaking of ATM receipts it's been said that ATM receipts are one of the top sources of litter on the planet. If everyone in the U.S. did not take a receipt from the ATM, it would save a roll of paper more than 2 billion feet long, or enough to circle the equator 15 times....here's another ATM piece of trivia, do you know that there is a company "customreceipts.com" that will supply you with fake ATM receipts that show huge balances so you can impress those around you.  Scary!
2. Get Organized: While you're at it, create new files for your 2009 tax-related papers and receipts. Examples of categories include medical expenses, gift and charitable donations, and home improvements.
3. Gotten Any Gift Cards Recently? If you received retail gift cards as a present over the holidays, use them soon. Some have expiration dates, or the amount on the card may get reduced over time. Besides, in this current economy, retailers that are declaring bankruptcy and going out of business may not honor gift cards or their doors may be shut by the time you get there!
4. Do Some Review: Review your various insurance policies - life, home, auto, etc - to make sure the coverage you have is still the best fit for your needs and situation. To save on cash out of pocket, you might even consider raising your deductible to get a lower premium.
5. Do Some Reflection: I'm not pushing you to make resolutions but just take an honest look at your schedule/responsibilities and make sure you are taking the time you need to stay healthy and feel good. It's funny how we often can't find time to exercise but yet we get a lot more done when we do!  Don't feel bad about actually scheduling specific blocks of time to exercise or spend special time with family and friends, to ensure it actually happens. This will make everything else you have to do this year easier...and more enjoyable, too!

Make 2009 a terrific year!

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