Why Organised People Have More Money

There's a direct, and easily forgotten, correlation between personal organisation and disposable income, and one which we could all do with bearing in mind at this time of year, when demands on our time, heaving to-do lists, and an all round lack of funding, are crucial causes of stress. 

The formula is very simple; less free time = more money spent to create convenience. Think about how much money you spend, perhaps daily, because you "don't have enough time". The Meal Deal or junk food that you buy in your lunch break because you "don't have enough time to make a packed lunch". The taxi that you fork out for because you missed your bus and to wait for the next one would make you late, or the parking that you pay for because you don't have time to park out of town for free and walk the rest. The extra that you pay for booking trains, hotel rooms, or tickets for days out at the last minute, because you didn't have the time to book them in advance, or the extra that you pay for last minute postage because you were too busy to get that birthday card in the post with plenty of time to spare. The flowers that you send, ordered from the Internet, because you weren't organised enough to buy a present in advance (£20.00 just for delivery when you order two days before Mother's Day? Ouch!) We all do it, whether it's spending out on a microwave meal even though fresh ingredients would be cheaper (and more nourishing) or having to buy a pushchair after turning up for a weekend away with a toddler - and realising that you've left yours at home (me, several years ago) - disorganisation costs us a lot of money. 

Some people are intrinsically less organised that others - I get that - I'm one of them. But I write lists which helps to keep me productive, and less forgetful, and, to be quite blunt, I get up earlier when I need to. Nobody "doesn't have time" to make a packed lunch in the morning, they just choose to have ten minutes more sleep, or to wear make up to work instead. If, like me, you depend on public transport then getting out of the door unreasonably early is essential, and if you end up early for an appointment - plan what you'll do to fill the time. Nothing needs to be booked last minute, unless you literally find out about it last minute, but train tickets can be booked as much as 12 weeks in advance, while hotels can often be booked a year (or more) in advance. If you know you've got a wedding coming up next year, make booking what you can, even buying the gift, a priority early on, or at least put it in your diary with a few months to go - and you'll grab the best rates. 

People who prepare fresh food at home, for themselves and their families where applicable, generally feel more relaxed, fulfilled and have more energy. Relying on expensive "fast" food not only slows down the body and the mind, but really hits you in the pocket too, and with the growing popularity of series like "Jamie's 30 Minute Meals" - it's apparent that real food can be prepared in a flash, so I can't listen to excuses made by those who "don't have time to eat well" - bore off you excuse making monkies (and don't now make an additional excuse for your lack of time which in turn results in your lack of good diet!) 

From now on, I'm going to make personal organisation the key to my money saving success, with lots of forward planning, and more productive use of my time. Do you feel as though you need to do the same? When do you find yourself spending money to save yourself time, or a result of not having enough hours in the day?

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