When thinking about credit, it’s important to know the range of scores that the three major reporting agencies give out, and where you fit in. 850: This is the top credit score. Very few people are 850s. 700 or greater: Anything in this range is considered excellent credit. 658 to… Continue Reading..
In my Book, How To Be Smart, Successful, And Organized With Your Money, I spend a chapter on organization. The first part of the chapter deals with steps to take: Throw Out Your Junk Mail: You need to be merciless when freeing yourself from this unsolicited nuisance. That’s why I… Continue Reading..
Being a bookkeeper is easy: add this, subtract that, and divide by twelve for the monthly number. It’s like working the front desk at a hotel. But what if you arrive at the hotel with bags under your eyes and a pounding headache (like the total hot mess that you… Continue Reading..
Hitting “rock bottom” is a relative term; it really depends on how far you allow yourself to fall. Sometimes it can be devastating to you or your loved ones, while other times rock bottom provides a firm foundation for something better. For instance, Manhattan has a rock bottom, but only… Continue Reading..
I always cringe when a TV show or a movie has a plot twist where one of the characters is wandering alone somewhere, just a few feet away from help, but she never realizes it and ends up having some sort of a bad thing happen to her. I feel… Continue Reading..
My mother was extremely organized. Naturally, I was a rebellious kid who embraced disorganization...and I became an adult who married disorganization, figuratively and literally. Together, my was-band (He WAS my husBAND) and I each managed our own businesses quite well down in the valleys of mountains of unopened mail. When… Continue Reading..
Being a bookkeeper, organizer and financial concierge is not all telling my clients “Do this to avoid penalties,” or “Do that to get better interest rates.” I also learn many good practices from them. The successful people I have worked with, who are at the top of their industries, share… Continue Reading..
The days are getting shorter as your accountant savors the last few months of peace before the End-of-Year rush revs into gear. You like your accountant, why not make his or her job easier? I’ve put together a list of some of the things you should be thinking about before… Continue Reading..
End of year preparations are in full swing at Judith Heft & Associates, and today I’d like to share some of the best practices we have developed over the past 18 years. We start with three folders for each client: Anything that’s going to be on a client’s income tax… Continue Reading..
While you may not feel the need to tip everyone wearing a reindeer hat and gesturing towards a tip jar with a cute saying on it, remembering the people who work in your home during the holidays is the right thing to do. Whether someone is helping you with your… Continue Reading..