Let's face it — when your workspace is cluttered, you feel unproductive and unmotivated. There's just too much stimulation around you to distract and disturb your concentration. Even if it's not about distraction, you still need a clean desk to save space and know where everything is.

So, whether you organize to relieve stress or to procrastinate other tasks, make sure you find the time within the day to clean up your workspace. Here are ten things you can do right now to organize your desk for a more productive day.

1. Maintain a permanent layout

According to Gotham Organizers, your monitor should be at eye-level and about 17 inches in front of you. You can really do this however you want but make sure your computer and frequently used items are in the same place on your desk everyday.

I put my laptop diagonally to the left of my desk and my agenda to the right — it's not the most efficient way but the layout works for me.

2. De-clutter useless things from your desk

Throw away anything that doesn't help you with productivity. Make a list of all the items on your desk and categorize them by importance. Trinkets from last Christmas? Stuffed animals from your bed? Throw them out or put them away.

It's alright to have one or two personal items like a framed picture or flowers, but too many objects will distract and overstimulate.

3. Store your supplies

Keep office supplies together either on top of your desk or in a drawer. Things you need everyday should go on top of your desk — preferably in a supplies organizer. Objects you don't need everyday can go in a drawer — maybe even in a drawer organizer.

4. Free up some free space

Not every inch of your desk needs to be covered — leave a sizeable amount of room for short term projects or important documents. This way, you won't be struggling to clear space every time a new item is introduced to your desk.

5. Organize storage containers with colors and labels

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Desk storage bins can be super helpful in organizing your life — just be sure to color code and label them as you see fit. You don't want to be rummaging around all your containers every time you need some blank paper.

Taking time to color code and label can also be a destressing and relaxing task — have fun with cute colors and shapes.

6. Prioritize your tasks

Having to deal with a lot of projects at once can overwhelm and stress you out. Use file holders to prioritize everyday tasks — have a section for urgent, important and non-urgent. This way, you can just pluck a task off the top and work your way to the bottom.

7. Divide your workspace

Does technology distract you? Do you often eat at one of your workspaces? Performing a leisurely task frequently in the same spot can lead to habits and association of that task with the corresponding space. That's why I can never work on my bed like most of my friends.

Instead, separate out your workspace. Designate one area as a technology-free zone or remember to never watch Netflix at your desk. Doing this will provide you with a sense of routine and stability.

8. Don't forget your virtual workspace

Your laptop can also be a source of distraction — organizing your virtual workspace will make you more motivated and less overwhelmed. Trash items on your desktop that you don't need. Delete old and useless files from your folders. Categorize work into different folders and utilize reminders and calendars to organize your life.

9. Put a small trash can near your workspace

A separate trash and recycling bin would work best, but beggars can't be choosers. Place a small wastebasket next to your desk — you won't have to get up every time to throw scrap paper away which can disrupt your workflow.

10. Organize your cables

I use cable clips to keep my chargers and wires in order. This can be very useful, especially if you have an extension cord under your desk. Wires are just prone to becoming tangled up with one another so you don't want to always be undoing them.


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Developing further skills can boost your career at any stage.

Whether you are looking for a new job or trying to grow in your current one, getting a certification can be a great way to improve your skills.

Anyone can put that they are proficient in a computer program on their resume but having a certificate can help you stand out amongst the competition and give credence to the strength of your skills.

But what's the best way to invest in yourself without breaking the bank? Some certification programs can cost hundreds if not thousands of dollars. We are going to walk through six of the best certifications you can get for $100 or less.

Tableau

Tableau's data visualization capabilities are comparable to Domo and Power BI.

Who is it best for: Those who work with analyzing and presenting data.

Cost: $100 for Tableau Desktop Specialist; additional certifications are available for a larger fee.

More companies than ever see themselves as data companies. Being able to understand data and use it to guide decisions at your company is often critical to taking on a leadership role. Not to mention, being able to present the data in a clean, attractive, and compelling way can help get buy-in from others in your organization or clients. That's why Tableau is a great tool to have in your toolbox.

Tableau allows you to create interactive visual analytics dashboards. In layman's terms, you can take data; create graphs, maps, or charts; and then allow end-users to interact with these graphics to better understand the information. It's a fantastic tool allowing non-technical users to gain insights for data-driven decision-making.

Tableau Desktop Specialist certification starts at $100 and has no expiration date. There are many videos on Tableau's site to prepare for your exam as well as Tableau Starter Kits allowing you to play around and learn the different capabilities of the program. Tableau offers a 14-day free trial as well as free license for one year for students.

Additional certifications after Desktop Specialist are Desktop Associate and Desktop Professional. Those working with a Tableau server may also be interested in a separate certification as a Server Associate or Server Professional.

The Federal Reserve sets the guardrails for the federal funds rate, and through that helps control the money supply for the nation.

When you take out a loan for a car, charge something to your credit card, or get a personal line of credit, there is going to be an interest rate that applies to your loan.

A lot of different factors go into what you will be charged, including your own personal credit score. But even those with flawless credit still see a minimum charge that they can't get around. That all goes back to the Federal Funds Rate.

One thing consumers rarely realize is that all of our banks are lending money to each other every night. Banks are legally required to maintain a certain percentage of their deposits in non-interest-bearing accounts at the Federal Reserve to ensure they have enough money to cover any withdrawals that may unexpectedly come up. However, deposits can fluctuate and it's very common for some banks to exceed the requirement on certain days while some fall short. In cases like this, banks actually lend each other money to ensure they meet the minimum balance. It's a bit hard to imagine these multibillion-dollar financial institutions needing to borrow money to tide them over for a bit, but it happens every single night at the Federal Reserve. It's also a nice deal for those with balances above the reserve balance requirement to earn a bit of money with cash that would normally just be sitting there.

The Federal Reserve The Federal Reserve


The exact interest rate the banks will charge each other is a matter of negotiation between them, but the Federal Open Market Committee (FOMC) (the arm of the Federal Reserve that sets monetary policy) meets eight times a year to set a target rate. They evaluate a multitude of economic indicators including unemployment, inflation, and consumer confidence to decide the best rate to keep the country in business. The weighted average of all interest rates across these interbank loans is the effective federal funds rate.

This rate has a huge impact on the economy overall as well as your personal finances. The federal funds rate is essentially the cheapest money available to a bank and that feeds into all of the other loans they make. Banks will add a slight upcharge to the rate set by the Fed to determine what is the lowest interest that they will announce for their most creditworthy customers, also known as the prime rate. If you have a variable interest rate loan (very common with credit cards and some student loans), it's likely that the interest rate you pay is a set percentage on top of that prime rate that your lender is paying. That's why in times of low interest rates (it was set at 0% during the Great Recession), a lot of borrowers should go for fixed interest rate loans that won't increase. However, if the federal funds rate was relatively high (it went up to 20% in the early 1980's), a variable interest rate loan may be a better decision as you would be charged less interest should the rate drop without the need to refinance.

The federal funds rate also has a major impact on your investment portfolio. The stock market reacts very strongly to any changes in interest rates from the Federal Reserve, as a lower rate makes it cheaper for companies to borrow and reinvest while a higher rate may restrict capital and slow short-term growth. If you have a significant portion of your investments in equities, a small change in the federal funds rate can have a large impact on your net worth.

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Whether you're leaving a job involuntarily, departing for something new, or just want to prepare for the unknown, it is smart to understand all your options regarding your 401k.

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