When tax season starts, set up a temporary hanging folder to put ALL your incoming tax paperwork and forms into. This way everything is in same place and you won't have to go searching for that W2 when you sit down to do your taxes.

The Organizing Wizard, Janet L. Hall, is a Professional Organizer, Speaker, and Author of 'Secrets of a Professional Organizer and How-To Become One.' She is owner of OverHall Consulting and Organizing By Phone. Subscribe to her FREE organizing newsletter at http://www.overhall.com/newsletter.htm or visit her web site at http://www.overhall.com

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Most people are unaware of possibility of negotiating with creditors to reduce amount of money they owe them. I recommend that you seek out a professional - one who is not emotionally involved - who has experience handling creditors to give you a fair assessment of what outcome of this strategy might be for you. In addition, arrangements can be made to minimize negativity on your credit report.

CuraDebt.com is a center for helping consumers nationwide become debt free without filing bankruptcy. The agency provides a FREE Debt Freedom plan consultation at 1-877-850-DEBT(3328) or on the web site: http://www.curadebt.com/a/1242