Author: Complete Controller

Bargaining is a continuous process rather than a one-time occurrence

Discuss remuneration with your coworkers and stand up for yourself if you earn less than your peers. If a monetary raise is not an option, you can discuss alternative advantages such as vacation time, health insurance, and 401(k) matching.

Trading is like riding a bicycle: it gets easier and more accessible once you get it.

Get the most out of your tax-advantaged retirement accounts

In my Beginners Guide to Investing episode of the Financial Feminist podcast, I talk about the biggest mistake I see new investors making. They frequently believe that simply opening an account is “enough,” but they overlook that just because money is in an IRA does not guarantee it is invested in the market. A brokerage account, an IRA, or a 401k is only a container for your money; you must still determine how to spend it.

The second is not maximizing tax-advantaged accounts and taking full advantage of employer matching contributions. Taking advantage of an employer match is free money, and it should be a top priority. Setting investment goals in January is a wonderful way to get the most out of your accounts.

Debt repayment is a good thing, but it isn’t always a primary concern

Seeing advice that mainly instructs young people to pay off all their debt before they start investing irritates me greatly. While I agree that high-interest debt, such as credit cards and other loans with an interest rate of more than 7%, should be prioritized, you can still invest while paying down lower-interest debt, such as college loans. The market has an average rate of return of 7%, which means your money will work harder for you in the market than it will as a loan payment.

Open an HYSA for your emergency fund and short-term savings for a quick win

It is the most straightforward and accessible personal finance advice I have. The HYSA is like a typical bank savings account, except that it can generate up to ten times greater interest. Because they often have no deposit limitations and let you withdraw cash up to six times each month without penalty, HYSAs are ideal for emergency funds and short-term savings goals. Ensuring your money is working for you in 2022 is a straightforward victory.

Tori-Dunlap is the creator of Her First $100K and the host of the Financial-Feminist podcast.

Related: Personal finance is now on the high school schedule because of the pandemic.

You may want to investigate other strategies to improve your income and invest once you’ve mastered the art of negotiating, utilizing the power of tax-advantaged retirement accounts, determining your debt payback strategy, and opening that crucial HYSA.

Digital Nomad Quest founder Sharon Tseung has first-hand experience when it comes to taking those exciting (and sometimes daunting) next steps. Here, she shares her tips for speeding up your sideline activities and real estate investments.

Start a side hustle

Having multiple streams of income allows you more security and protection. You won’t have to worry as much about a significant change if something occurs to your daily work if you have additional sources of income. As a result, the average billionaire has seven sources of income at their disposal.

Even if you don’t have a lot of money, there are plenty of side hustles you can start. It could include freelancing on Upwork, starting a YouTube channel, selling digital products on Etsy, or selling custom products through Merch by Amazon. Even if they take time to build, they are worth the extra income and stability they give you.

Invest in real estate

Andrew Carnegie said that “90% of millionaires invest in real estate.” Real estate has numerous advantages, such as cash flow, appreciation, leverage, and tax advantages. Begin by investigating your target market and analyzing cash-flow-generating transactions. Read books like those in the Bigger Pockets library, listen to podcasts, and attend meetups to network with other investors and agents if you want to get started investing in real estate. Take action to grow and learn from the event when you’re ready. — Sharon Tseung, host and founder of the YouTube channel Digital Nomad Quest

Related: 10 Side Hustle You Can Start from Home In 2022

Perhaps 2022 is when you plan to graduate from secondary con artist to full-fledged business owner. If that’s the case, you may have many questions about his finances as a new entrepreneur. What about retirement accounts? How will the transition affect your expenses? Your budget? Clo Bear Money Coach Chloé Daniels took the life-changing leap after beginning her budgeting journey in 2018. Here, she shares her tips for navigating finances in new career terrain. About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

The first stumbling block for new managers is delegation of authority, which is frequently unmanageable. On the other hand, delegation is one of the essential talents for effective and united management. Knowing how to delegate duties to your staff, when to execute them, and how to perform them is critical to your manager’s objective. Find out how you and your group can be more productive in the sections below.

What is the Delegation’s Contribution?

It is not easy to get rid of some tasks. Art, too! Effective and successful delegation necessitates some time and effort to properly comprehend the technique, particularly the benefits it will offer to you and your team:

Encourage Your Employees to Work Harder

Delegating allows you to focus on your position’s core activities and what works best for your organization. It may also boost your employees’ engagement, encourage them to take the initiative and empower them to add more value to their responsibilities. As a result, their motivation will be tenfold.

Manage Your Time

Your time appears to be well distributed on paper. You efficiently manage your day and have a clear vision for short- and long-term initiatives. It is only a hypothesis! Because, in practice, you’ll rapidly become engrossed with day-to-day issues and difficulties, both minor and significant, that arise out of nowhere.

Focus on Your Priorities

Delegating these non-strategic responsibilities to trustworthy and competent people will allow you to focus on your core goal, which is to get your team going in the right direction and at the right place to contribute to your company’s growth. So, try to expend as little time as possible, put in the most effort, and concentrate on the most critical issue. That is, after all, why you have come!

Empower Your Team Members

You may improve your employees’ abilities, motivation, and sense of meaning in their work by instilling a sense of responsibility in them through delegating. The good wheel is turning!

When Should Tasks be Assigned to Collaborators?

Now that you’ve convinced yourself of the benefits of giving duties to your staff, it would be best to decide when to do so.

You can use a few questions to see if you can assign a task to one of your team members in particular:

• If I appoint such a person to handle the job, will I be able to devote more time to duties that have a higher impact on my department’s or company’s development?
• Is one of my team members comfortable with the task I’m delegating? Is it capable of bringing new perspectives?
• Does he allow such personnel to grow and enrich their skills by providing them with such tasks? Will it give the entire team a fresh lease on life?
• Would you agree that outsourcing this aspect of my work makes our organization’s mission more meaningful?
• Would my team be more engaged and motivated if I were assigned this task?
• Will this transfer encourage my employees to take the initiative?

If you answered yes to these questions, please delegate!

Your group. Start by distributing tiny everyday activities or jobs in which you recognize a participant’s genuine and passionate desire to feel comfortable and practice delegating assignments. It could be the structure of a file separated into multiple files—the categorization of letters, the responses to some of them, or the procurement of equipment.

Why is it so Tough to Delegate?

The fear of delegation stems from a manager’s concern that the individual to whom they are delegating will not be capable of completing the assignment. Remember that, whether you trust it or not, it is always your obligation as a manager to get the task done correctly.

The delegation, therefore, is not without danger. You must recognize this and allocate each task to the appropriate persons to reduce the threat of ineptitude or incompetence.

In addition to the fear that a person will not be able to do the job at least as well as him, the manager can cite a shortage of time. Distrust of his employees and heightened anxiety among subordinates, including the dread of being incompetent due to the belief that he will spend. The inability to delegate or even a feeling of guilt about distributing responsibilities, the urge to manage everything, a sense of pride, etc. Some people believe they are doing everything they can to support their position. You should avoid burnout at all costs!

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Ah, the age-old debate between traditional and digital marketing. On both sides of the street, there appear to be intelligent people. Traditional kinds, according to some, are the only way out. They will stick to what they have worked for, which will be its end. Others claim that the Internet, and nothing else, is the sole practical marketing approach in the modern world. Who is correct?

You are not alone if you are considering participating in a debate or launching a successful marketing campaign. Between 2004 and 2015, billions of dollars were spent on marketing efforts. Do not worry if you feel compelled to select sides in an argument before beginning. The truth is that understanding how these two marketing approaches function is critical. If you have the proper knowledge, you will use a blend of the two marketing strategies that work best for you. It is crucial to understand the fundamental contrasts between digital and traditional marketing. Yes, they are.

The Basics: Traditional Marketing

Traditional marketing has a considerably longer history than digital marketing. The most straightforward techniques, such as posting a “Saturday Garage Sale” sign on the yard, fall into this group. Traditional marketing, on the other hand, is not always so straightforward. Billboards, mailing lists, and fliers are all examples of conventional marketing. Television advertising is one of the most digital in the traditional bubble.

The spirit of traditional marketing is captured in these ads. This does not guarantee that each potential client’s needs will be met. This is not to say that no studies have been conducted on television. Take a look at the Nielsen report to understand how much effort goes into determining the tastes and interests of the average audience. But we are talking about the total amount of ad views, not a single person’s interest. It is all about effectively and efficiently communicating with the general audience. It has been around for a long time for a reason. However, this does not rule out the possibility that this approach has been invented in our time.

When comparing digital and traditional marketing, traditional marketing is distinguished by its reliance on networking. Many more people send emails or leave voice messages to engage with potential customers for your service or product. Even if it is a bit old school, there is nothing wrong with these guys. 

Fundamentals: Digital Marketing

Digital marketing is frequently defined differently by different people. Some suggest that the term “digital” should be applied to the television period because “digital” can be used in that age. When you compare digital marketing to traditional marketing, though, the distinctions are clear. The history of digital marketing, in general, parallels the history of the Internet. This is not to argue that digital marketing was important when developing children’s Internet in the 1940s. On the contrary, when the Internet became more widely accessible, this form of marketing grew even more significant.

Millions of new people became the target of marketing campaigns as everyone started using email and checking their favorite websites. It happened as if it had never happened before. The email explosion was the first significant breakthrough, and it continues to this day. It is like sending a message or an offer to your potential customers regarding whatever they would find interesting about you and your company. You may set up a listing service and send emails to hundreds of potential consumers using email. It is a less personalized approach to marketing than traditional marketing in specific ways. This encompasses a generous portion of digital marketing, resulting in a stark difference between digital and traditional marketing.

Digital marketing aims to reach many people rapidly, but it is difficult to predict who will see your ad. This might be everything from banner ads on your website to emails to SEO, which can help your business appear in Google search results faster than before. Over the last decade, the proliferation of social media has further altered the game’s laws. An innovative marketing platform has emerged due to people spending so much time on Facebook, Twitter, and Instagram—at least five hours on a smartphone. Companies nowadays spend a lot of money on marketing to encourage individuals to join their social media pages. The logic is similar to a bear trap: if you can get them to join Facebook, they may stay for a while.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

There are numerous living expenditures to consider for people who choose to study in the United States. Some of these expenses, including lodging and meals, may be covered or subsidized by programs like your study abroad program or scholarship. Whether you plan to study in the United States for a semester or become a citizen, knowing the overall cost of living for your studies is critical.

As a result, we’ve compiled a list of total living expenses by state, which you can find at the bottom of this page. It is obtained by calculating the average monthly amount spent on the three most significant expenses: rent, FoodFood, and gas. Because this is an average, specific regions may be less expensive than those listed, depending on whether they are in a large metropolis or a small hamlet. The strategies below can assist you in halting the rise in living costs.

Examine your current financial status

Make a monthly budget plan

Congratulations on this case! You’ve taken the initial steps toward budget management. If you haven’t already, we motivate you to: Find out how much money you have leftover at the end of the month to better manage your spending. Have you estimated your debt-to-income ratio or your remaining life expectancy?

Estimated remaining cash on a weekly or daily basis

You can budget for the rest of your expenses now that you know your monthly subsistence allowance. The money that is still available will be limited to the following amounts: Divide by 4.5 to find out how much you can spend per week, and then by 30 to find out how much you can spend per day.

Establish objectives to avoid overdrafts

Now that you have a better image of the (de)sprouting in your budget, it’s time to tackle the resolution part. Set yourself additional enjoyable aims in addition to protecting yourself from bank overdrafts:

• Invest in the future by putting cash aside.
• Put money aside for your next vacation.
• Have a good time (or have a good time) and get ready to retire.

Reduce additional costs

Setting aside when there is an inclination to limit is challenging. However, investigating your account may help you spot unauthorized banking transactions.

Subscription: Gyms, movie theaters, audio or video streaming services, publications- don’t deny yourself small pleasures, but think about if your subscription is still relevant. Is there an alternative product or container that is more in line with your actual consumption that you would be willing to consider? Jump!

The compulsion to shop: It is not always simple to reason. Also, take a thorough and precise list of your actual needs when you go shopping.

Examine your contract to see if you can save money on your household bills.

Do you have the option of deducting funds simultaneously as your carrier? Make a move! It’s worth pausing for a few minutes if you have recurring direct debits.

Water, electricity, and natural gas

Splitting payments is an excellent strategy to spread your spending over the year. Consider it once a month. The process for one month will be similar to the plan for the following month. This protects you against unpleasant surprises, such as unexpected utility bills, a few days before Christmas shopping.

Insurance and banking

Have you read your contract’s terms? They describe the features of the offers to which you have subscribed. Surprisingly, your credit card (or any other color) frequently includes the same guarantee as to your insurance. Home and vehicle insurance and mutual insurance are all available—the ability to minimize prices by (re)matching or removing choices you don’t need.

Concerned about the environment

Reduce food expenses by avoiding waste. Do you ever toss Food away from the fridge? Not to make you feel worse, but to assist you in developing appropriate reactions. Don’t go shopping if you’re hungry. This is the greatest technique to hack once you’re in the food aisle. You’ll probably buy more than you planned, and it won’t necessarily be the best. Difference DLC and DDM are two different types of DLC. After a specific date, certain items are still edible and pose no health risk: Date of expiration (“Use until…”). Expired goods should not be used. Date of Expiration (“Used by”). Food that has expired loses part of its quality but does not become unsafe to eat.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Business process automation is the automation of daily repetitive tasks usually done manually. BPA enables you to quickly and efficiently complete repetitive work and move to a paperless workflow from multi-layered workflows to customer responses. With a dedicated solution, you can automate tasks that require the analysis of large volumes of raw data and documents, such as product development, sales, human resources, etc. Using business process management, you can control new workflows resulting from automation and improve efficiency throughout the organization. Businesses do not always think about automation in the context of business processes. It is worth understanding the difference between business process automation and business automation to avoid confusion.

In theory, business process automation and business automation are equivalent concepts because, in business, everything is a process that can be divided into sub-processes and stages and described. But in the real world, companies have several highly social activities that can only be partially automated. For example, corporate culture, recruitment and personnel management, and company management as a whole – these business areas involve a person’s involvement not only as a resource but also as a person. Thus, business activities that are problematic to decompose into processes, but can be partially automated, fall into the area of business automation, which is a broader concept than business process automation. A business automation system is everything that turns part of manual labor into a machine and automatically transfers it into the field of engineering and information technology. A massive layer of tools can be attributed to business automation technologies, from production equipment and robotics to software and communication channels. But in the context of business process automation, the conversation is about a narrower set of technologies, which will be a topic in this article. When taking advantage of the automation platform, it’s essential to understand what workflows can be automated and how to create a dynamic workflow. Here are six key benefits of automation:

1. Increase Productivity and Work Efficiency

The automation platform excludes possible errors. Fewer mistakes equal better results. Getting rid of inefficient daily manual processes will increase productivity and speed up the execution of standard business processes that involve interaction between departments and employees throughout the organization.

2. Reduce Lead Time and Cost

Automation improves profitability and reduces transaction costs, such as manual paperwork. Internal processes run faster: you spend less time and money on the resources you need, and employees can focus on more critical tasks.

3. Easy Data and Document Management

When performing manual operations, it is easy to lose sight of messages, spreadsheets, and other printed or emailed documents. In addition, transferring information or calculations between different data sources increases the risk of human error and is time-consuming. Process automation allows companies to centralize work with all documents and data. It makes it much easier to organize, find, and manage the information you need.

4. Transparency and Visibility

Since the automation platforms guarantee compliance with recommendations, there is no need to control the team’s work. These solutions are also capable of collecting data and creating reports and analytics. Dashboards give you a clear view of the current situation to make informed decisions. This level of visibility and transparency is critical to a company’s success.

5. Process Standardization and Compliance

Automation processes have strict rules about who can make changes or update documents, but employees may not always follow them. Thanks to the BPA platform, you don’t have to worry about missing steps because the processes are done at the system level. You can create powerful digital workflow automation that ensures that the correct information gets to the right person at the right time. Companies can also track data usage by quickly logging names, dates, and assignment details. Documenting this information will also help you during audits and compliance reviews.

6. Increase Employee and Customer Satisfaction

Automation brings many benefits to your employees: they will be able to perform many of their day-to-day tasks quickly and flawlessly. You will create an environment in which everyone will thrive. Your team can focus on critical projects that drive effective business decisions with faster management approvals. Automation also benefits your customers. By getting more accurate and consistent data, they will be satisfied with the final product or results.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

The most significant benefit of this income is its accessibility: any user can participate in surveys. Furthermore, it is intriguing because it will always inform you of new popular and current marketing trends.

Who pays for surveys and why?

The primary goal of surveys is to conduct marketing and sociological research among the public. Typically, they are ordered by several giant corporations that require precise information about what the direct consumer thinks about a particular product or service to carry out their operations. In some circumstances, a middleman is used, such as a specific agency that connects the manufacturer and the buyer.

Surveys allow you to determine which products are the most popular among the public and why. As a result, sales rise steadily, implying that profits rise as well because the manufacturer continues to act according to public opinion and makes the items required. Therefore, there are paid surveys. This is advantageous to manufacturers.

Online surveys are becoming increasingly frequent on the Internet, and they are conducted via the network. Specific portals are built to do this, known as questionnaires or sites with paid surveys. Simultaneously, agencies in St. Petersburg, Moscow, Krasnodar, Novosibirsk, and others conduct local polls for material incentives. The survey will last 1.5 to 2 hours in this instance, but the reward for the time spent will be appropriate – 1 to 2 thousand rubles. However, requests do not come up very often, and they are not acceptable for everyone. As a result, our post discusses paid internet surveys, which are significantly easier to do.

If you opt to make money by taking paid surveys, you will be successful because the action method is straightforward. You will need a PC, tablet, or laptop with Internet connectivity and spare time to complete this task.

How to earn more from surveys

You will need to sign up to get the most out of the questionnaires. You can start with 15 to 20 portals right away. No one will charge you money for this, and nothing awful will happen if you refuse to work on one of them.

Signing up for international questionnaires is preferable, as the incentives are far bigger. If you have at least a basic understanding of English, your profits will be higher. However, if you state that you speak English in your Native-language profiles, you will be assigned slightly more activities to perform at a higher cost.

Sites where you can earn money on surveys

The following websites have been verified as paying for questionnaires and surveys, as evidenced by many users’ reviews of these tools. So, with the help of the following websites, you can make money online by taking surveys:

1. https://www.surveysavvy.com/ – Available in English and Spanish. Anyone can earn on it, even a resident of the United States. He pays by check.
2. https://www.spidermetrix.com/ – it is available only with a VPN installed for Russians. If you decide to access the site from a Russian IP, then the site will not open. He pays money for work by voucher or through PayPal.
3. https://www.e-research-global.com/ – available in most languages ​​of the world. You can cash out the money earned from it only through PayPal.
4. https://www.vivatic.com/ – only UK and USA residents can fill out questionnaires on it. You can only withdraw money to PayPal.
5. https://www.sendearnings.com/ – you cannot work on it without a VPN. Withdrawal of money from it is conducted only through PayPal.
6. https://www.panelopinion.co.uk/ is an English questionnaire that works even in the Russian Federation and other CIS countries.
7. https://www.joinhiving.com/ is an international survey offering many paid surveys with the ability to withdraw money to a PayPal wallet.
8. https://surveys.gobranded.com/ is an American questionnaire that you can access from any part of the world 
9. https://www.myiyo.com/ – is a foreign questionnaire portal with support for the Russian language. The cost of one survey can be up to ten euros. In addition, points are awarded for each completed survey. The withdrawal of earnings on social. Surveys of funds are conducted on the PayPal payment system. The minimum for withdrawal is $20.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

I’ll share some administrative document organization recommendations with you in this essay. It is an efficient article on arranging your administrative records, aimed at experts and for people.

I am now at your disposal to put everything in place.

How to start well?

To begin, you should be aware that I frequently use workbooks.

Indeed, the binder has an undeniably practical side: we can customize the divisions to our needs, remove or add pages, pockets, and dividers as needed, and quickly locate what we’re looking for. Without causing the rest of the workbook to become disorganized.

As you can see, even my handbag notepad is a little binder (with mini divisions, mini plastic pockets, and so on).

Furthermore, given the dematerialization of most of our documents, you can apply this classification to your computer in the same way (or cloud or external hard drive). Substitute “folder” for “workbook.”

After you’ve recycled the documents you don’t need any more, you may begin organizing the ones you still have.

Here is a possible classification for personal (non-professional) administrative documents:

A Bank workbook containing:

• Bank details
• Account statements
• Contracts
• Loans

A Tax workbook containing:

• Income tax
• Property tax
• Housing tax

Of course, you can put BANK and TAXES in the same workbook to save space.

A Home binder containing:

• Deed of ownership or Lease/receipts + charges + maintenance invoices
• Energy (electricity / gas / water)
• Telephone
• Invoices and guarantees to keep
• Vehicle
• Health (health records, prescriptions to keep, etc.)

A Family workbook:

• Everything concerning the Family (family book, birth certificates, copy of identity card or passport, etc.)
• Everything related to schooling (report cards, etc.)
• CIF
• Social Security

An insurance workbook:

• Car insurance
• Home Insurance
• Various insurance
• Mutual
• Complementary pension

A Workbook:

• Employment contract
• Payslips
• employment center
• Statement of situation
• Updates
• Retirement

Although especially considering many dematerialized papers, I have three binders on a personal basis:

• Home/family/insurance
• Bank
• Taxes

I have a professional filing cabinet for my little business, where I keep all the documentation (divided with dividers, of course).

If I had additional storage capacity, I would do things according to my earlier list.

After that, if you know you won’t require these papers soon, you can archive the previous year each year.

When it comes to archiving, don’t be afraid to recycle any papers that you don’t need to save. It is a storage that you can adapt to your administrative documents.

It will depend on each structure for professional administrative paperwork.

Because it will depend on the furniture and supplies you already have and your preferences, I can accompany you through this process.

As a result, here’s how I structure my work:

A Bank workbook containing:

• Bank details
• Account statements
• Contracts
• Loans

A Tax workbook containing:

• Income tax
• Property tax
• Sign tax
• Law of terraces

In short, all the taxes and duties that concern your business.

An insurance workbook:

• Professional car insurance
• Premises insurance
• Professional civil liability insurance
• Various insurance
• Manager’s Mutual
• Complementary pension
• One (or more) Purchasing binder(s) containing all your purchase invoices classified by month (monthly dividers)
• One (or more) Sales binder(s) containing all your sales invoices classified by month (be careful, sales invoices must be numbered chronologically)

A binder for the Social (employees) containing a divider per employee (employment contract, payslips, work stoppages, occupational medicine, mutual insurance).

If you’re using hanging folders, I recommend keeping each theme to one level of folders (or drawer):

• The company’s walls, the manager, and the entity (legal documents, insurance, taxes, etc.)
• Personnel-related documents
• Everything you need to know about accounting

To save time searching for papers, it’s advisable to keep everything related to the current financial year in filing cabinets and easily accessible, and then archive everything by storing it by financial year once the balance sheet has been prepared.

I’m done with this first 100% practical-practical article.

I hope you enjoyed the advice given in this article and that it helps you see more clearly the way you organize your files.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

1. Only mass mailings

Mass mailings to the email addresses of funds and business angels are a sure way to get investments in a start-up. Investors love this kind of thing, especially when they feel copy-paste in the text or see the addresses of other investors in the open copy. For them, this is a sign of the highest efficiency of an entrepreneur who does not waste time studying the individual characteristics and investment focuses of the participants in the correspondence but immediately gets down to business.

Having received the answer: “Good afternoon, your application has been accepted for consideration; we will contact you if we are interested,” you can be sure that the money is already in your pocket. And let the spiteful critics say that this is an automatic response of the mail service – they are simply jealous of your success and enterprise.

2. Not a word without an NDA

Always ask the investor to sign an NDA before starting any, even the first meeting. Don’t be misled by requests to see a presentation or materials “just for fun” and assurances that the investor has probably seen this many times before and will see it infinite times after. After all, investors regularly embody the most successful ideas on their own, deftly deceiving an unpretentious entrepreneur. Indeed, you have been visited by a brilliant idea you can steal.

3. Only weaklings change their minds under the pressure of hard facts

Commitment to your idea is the main rule of a true entrepreneur. Devoutly following it and believing that only you understand how to bring an idea to life and build a great company will also help you communicate personally with investors and mentors. Vigorously defend your positions, do not accept criticism, do not show that you are ready to bend under the capitalists and make changes even to the business model, not to mention reconsider the idea. Perhaps this will scare off the wrong investors who do not appreciate such qualities of a real entrepreneur and are afraid that this will lead to conflicts in the future. And let the envious call it a lack of flexibility and perception of reality.

4. Take more immediately

When it comes to how much money you need to start a project, ask and take as much as possible. Firstly, you have several years of work to bring the project to life, and secondly, there is never a lot of money.

5. Embrace high founder salaries

A natural entrepreneur knows what kind of cars are in trendy co-working spaces and that you can’t buy one with a salary “to keep your pants up.” By the way, having received the first tranche, plan your vacation in a good place. The tired head of the company does not think well – allow yourself to rest.

6. Impromptu is a well-known key to success

Have you ever heard that you should save your most essential investors for later and start practicing pitches on your grandmother? And that’s for losers too. A natural entrepreneur does not trade for trifles – he immediately catches a big fish. Suppose the investor does not understand you the first time. In that case, he will continue to communicate until he understands what problem you are solving and how and what your advantage is over existing analogs, competitors, and substitutes. And if you fail to do this at the first meeting, you will always prepare and schedule a second and third, if necessary. After all, an investor’s job is to find nuggets because of painstaking work with entrepreneurs.

7. Write in text, write a lot, and leave pictures for children

Have you ever heard of Guy Kawasaki’s rule for successful 10/20/30 presentations? Ten slides and font size of at least 30? It’s all nonsense! It is impossible to pack all the material on the project into ten slides in this format. As already written above, personal meetings and pitches are extra, but if you still run into an investor at a venture party, give him a project presentation. After all, you still can’t tell a lot of essential details in a few minutes. And yes, do not save on paper – print your presentations in total. One of the last presentations that I held in my hands consisted of 50 pages, which I carefully read. After all, the project’s author saved the most interesting for the second half.

8. Speak in an incomprehensible and scientific language – show your expertise

Do you want money to commercialize the technology? Surround yourself with professional investors, even at this stage and even among business angels. They already know everything about the market and its problems, so you can immediately move on to the details instead of talking about banal things and chewing.

9. You are a star!

Everyone should know about this. Friends and partners do not believe in you, and former classmates do not want to do business with you. You are what investors are looking for! They like to invest in self-centered loners.

10. Splurge – duel is for wimps

Do not be afraid to throw dust in the eyes of a future investor. Embellish everything – the uniqueness of the idea, the assessment of the market, competitive advantages, and other things that no one will ever double-check. You were asked an uncomfortable question after the presentation – just lie. An obvious lie? Ask to sign an NDA before disclosing details. And if they find out that you embellished the numbers and told something directly opposite to the facts, they will appreciate your ingenuity and ability to dodge. The goal of a real entrepreneur is to get money, and the purpose of an investor is to invest in a dream. Therefore, relationships initially based on mutual trust are necessary for developing a serious business, and you do not need them.

11. And, finally, the most critical lousy advice. Always get only your own experience

He is priceless. Education is for the weak. It is better to go through many attempts and iterations in just 40 years. But for sure.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Many women dream of getting engaged and having an unforgettable wedding party. Opt for less competitive dates, such as weekdays or winter, to further reduce costs. Weddings in the morning or afternoon are also usually more affordable. Some say that preparation is the best phase, but the initial planning is always more delicate; after all, if you are going to get married for the first time, you are probably not sure how to start. Therefore, we’ve compiled a list of helpful hints to give you that initial “push” and get you started planning your wedding.

When you’re on a tight budget, the wedding of your dreams may not be possible. You might want to wait if your dream wedding plan includes many high-budget elements that you are unwilling to give up. You can arrange a great wedding without breaking the budget if you are ready to compromise and adapt. As you go through the three possibilities below, you’ll likely discover that you can combine some of them to create the wedding of your dreams.

A Data

Yes, choosing the date is the first step to take, so you can define all the planning to follow, budgets, wedding time, style, and optimize dates such as vacation from work to amend with the honeymoon, for example. You can wait to set the date, but already having an idea of the month at least helps you in the following steps. The choice of buffet depends on the time of your wedding. It is possible to have an excellent breakfast with cold cuts, seasonal fruits, refreshing drinks, cakes, and loaves of bread. Lunch with pasta or chicken will be the most affordable option in the afternoon. You can’t skip dinner at night, but if you negotiate a menu that fits your budget, it’s sure to ‘fit in your pocket.’ If you’re having your wedding in the winter, we recommend investing in a dessert fondue; it’s easy to make and inexpensive.

Wedding Style

By defining the style of your wedding, you will be able to decide whether it will be a wedding at night or during the day, whether it will be outdoors or in a closed buffet. This step even helps you have an initial idea of what the decoration and wedding dress will look like. Your style and that of the groom should be in harmony with all your choices for the big day; this will help you and your guests feel more comfortable. Speaking of location, we recently mentioned in our post about Marriage on the beach that outdoor rentals allow an excellent economy with decoration. After all, nature is already a good part of the service. A sunset wedding can be the most beautiful decoration of all.

Financial Planning

How much can you invest in your wedding? It is one of the most critical steps, defining an amount you can invest, considering the couple’s income. Here you will define a parameter for you when budgeting the services. An infallible tip for spending less is to opt for a Mini Wedding; this type of ceremony is more intimate and limits the number of guests to the maximum, leaving only the closest ones. Another piece of advice that will reduce your expenses is to have the ceremony and reception in the same place.

Guest List

Outlining the guest list, even if it’s not the final one, helps you think about the size of the place, the amount of food and drink on the buffet, and getting a budget closer to the expense.

Budgets

It’s time to start researching the values of professionals and services for The Big Day. All the previous tips are essential to help you at this stage. Here you will already have an estimate of the amount you can spend, the date you want it to happen and the average number of people who will attend your wedding. Research to find caterers, photographers, decorators, and the like. Talk to other brides, be part of bridal groups in your city, attend events such as a bridal fair that help you meet new professionals, start budgets to compare values, and close a good service that fits your budget.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.

Good habits rhyme with good health

Let’s begin with the good news: Americans who describe themselves as “financially healthy” say they have solid financial practices. They “keep track of their income and spending” (96%), “spend within their means” (98%), and “have an emergency fund” (93%).

People who are “in bad financial health,” on the other hand, are less likely to have these positive practices. They are also more likely to be in debt (82%), with credit cards (51%), lines of credit (31%), and school loans accounting for most of this burden (17%).

Paying off debts is the main priority

Even though the rising personal debt is a perennial source of concern for Canadian economists, the impact on the workplace is a little unclear. According to our research, debt can be a cause of worry for employees, distracting them from their work and lowering their productivity.

While all Canadians with debt admit to feeling stressed, individuals with “poor” Index ratings are most likely to state, “I’m anxious about my financial condition.” “Money matters are a cause of worry for me” (88%) and “Money matters are a source of tension for me” (81%). Furthermore, nearly half (49%) feel that “financial issues keep me from doing my job.”

On the other hand, our data reveal a significant bright spot: debt repayment is the top financial goal for all Canadians. According to our Index, this goal is much more critical for individuals with a “poor” score. Recognizing the issue and exhibiting a desire to find answers is already half the battle.

Budgeting and advice are essential

What can employers do to assist employees in dealing with debt and financial stress? The two most important solutions are obtaining solid financial counsel and creating a budget. Indeed, our research found a strong link between using a financial advisor’s services and economic well-being. Although 42% of Canadians have a financial advisor, those who are “in good financial health” (64%) are nearly three times as likely to have one as those who are “in poor financial health” (22%).

Employers can assist their employees by helping, such as tools and recommendations for creating an online budget. On the other hand, a financial advisor is in a better position to assess a person’s financial state and set goals, milestones, and a monthly budget for that individual to help them improve their financial situation. A good debt management strategy can help people focus on their careers while reducing financial stress.

Stop Your Credit Card Spending

Remove your credit cards from your wallet if overspending unnecessarily leads you to add to your bills. This method is straightforward, but it might help you avoid overspending and focus on getting your finances under control.

Sell Unwanted Gifts and Household Items

 Selling unneeded goods from your home can help you earn some additional cash. With businesses like Poshmark and RealReal specializing in consignment clothing and sites like Facebook and Craigslist, where almost anything can be purchased and sold, this is easier than ever. Use all the proceeds from your sales to pay off your obligations.

Increase Your Income with a Side Hustle

Jobs like pet sitting, tutoring, and working as a virtual assistant are simple, to begin with, and can help you pay off your bills. Increase your income by taking on a second job or a freelance project, then utilize the extra money to pay down your debts rapidly. You can dig faster with a giant shovel.

Take Advantage of Balance Transfers

A balance transfer lets you move your debt from one account to another, thereby saving money on interest rates. Depending on the card used and other choices available, some people may not be able to apply for a new credit card and go through this process.

If you know, you’ll be able to pay off the sum in a short period, and this technique is ideal.

About Complete Controller® – America’s Bookkeeping Experts Complete Controller is the Nation’s Leader in virtual bookkeeping, providing service to businesses and households alike. Utilizing Complete Controller’s technology, clients gain access to a cloud platform where their QuickBooks™️ file, critical financial documents, and back-office tools are hosted in an efficient SSO environment. Complete Controller’s team of certified US-based accounting professionals provide bookkeeping, record storage, performance reporting, and controller services including training, cash-flow management, budgeting and forecasting, process and controls advisement, and bill-pay. With flat-rate service plans, Complete Controller is the most cost-effective expert accounting solution for business, family-office, trusts, and households of any size or complexity.