Time is money!

Know where your things are. Save money by getting organized? You bet! If your possessions are organized so that you know where to find things when you need them, you won't end up buying them over and over again.

• Pay bills. If you can find the bills and parking tickets on time, you can pay them without incurring extra fees.

• Return items. If you can find the library books and rented videos when they're due, you won't pay overdue fines.

• Keep appointments. If you can find your date book and remember to write in appointments, classes and events, you won't pay professionals fees for appointments you miss, and you won't waste money forgetting to attend those prepaid classes and events.

• Comparison Shop. If you set aside a little time to do comparison shopping, you won't be obliged to make a last minute purchase at that convenient--yet more expensive--store.

Have your tools at hand. If you can't find something, it's just like you don't have it. Don't drive to the mall for a new widget wrench when you already have three...around here somewhere...