It’s the first Monday of November, folks. (How on earth did that happen?)

Now that there’s a mere 9 weeks until the end of the year, many self-employed business owners are doing an end-of-year cram session – trying to finish everything they hoped to do in 2009. Admittedly, I feel tempted to do the same. I get this feeling that I’m running out of time.

You too?

If you’re feeling end-of-year panic, take a breath or two or three. Good long slow ones. None of us is really running out of time. December 31 is just a day – in a long string of many days.

This time of year there’s a focus on the home fires, of gathering and connecting. It doesn’t mesh well with attempting to push through tons of work. So finding a balance is key.

Setting end-of-year goals for 2009

What is currently working well for me:

Being kind to myself. A while back, I made it my intention to treat myself (in my business) the way I would a paid employee. Would I ask an inspired helper to cram? No. Would I ask them to work holidays? No. Would I encourage them to take time off? Of course. So that’s how I’m treating myself. Hard? Yes. : )

Having realistic expectations of myself. I’ve learned over the years that I don’t focus well on my work when I’m preparing for the holidays. So I’m dialing back on the work load for Thanksgiving and taking almost 2 weeks off over Christmas and New Years. That’s a huge shift for me.

Choosing only one end-of-year goal. Truthfully, I have many goals but I wrote all of them down and just chose one for the end of the year. The others I put on the back burner. There’s no point in forcing them all. And I may actually have a chance of getting that one done.

Giving myself permission to rest. This is probably the hardest thing because somewhere inside me is this belief that if I have free time, I “should” be working. But as I found out in September, taking time to rest actually filled up my heart and spirit and gave me all kinds of energy and creativity.

I know this resting stuff is a hard sell for you diligent worker bees – especially if you’re strapped for cash. You think, “I can’t stop – or everything will fall apart.” But consider it.

What I’m currently working on:

Setting aside the time. The only way I really honor my need for rest is by actually putting it in my calendar. By blocking it out, I literally cannot make appointments with others. It’s that visual reminder that I need.

So, I’m going to block out the holidays/breaks I’ve chosen today – before it all runs away with me.

My goals for 2009

• Business: Release the new top-secret product to my newsletter subscribers.
• Business: Continue blogging and writing the newsletter.
• Business: Prepare for my time off so I can really enjoy it.
• Personal: Take off Thanksgiving week and December 21 – Jan 3.
• Personal: Fill up. Be silent. Journal. Pray. Meditate. Soak in all the love.

How about you?

Please share:

1. What’s going well in your end-of-year goal setting ?
2. What are you working on that you’d like to be better?
3. What are your actual goals for the rest of 2009?

Your comments on your own process are welcome. House rules: Give advice to me or others only when it’s specifically requested. This makes exploring safe and learning possible for every reader.

Okay, so I’ll come right out and say it:

Budget.

Sounds terrible, doesn’t it? It almost sounds like “diet.” Add a little free association and you get cutting back, cracking down, belt-tightening, and more. (cringe)

You’re smart – you realize that a budget is a good thing, but what’s a creative person to do with all these painful-sounding restrictions? Ouch! And yuck!

Nerdy words

When I find myself confused about a term, I usually look it up to see where the word came from (thanks, Mom). In this case, I am in complete resistance to the word budget (maybe you are too), so I looked it up.

What I discovered was fascinating! Budget is derived from French, Celtic, Latin, and Old English and means “leather pouch or bag.” In fact, the Middle French derivation, bougette, actually means “cute bag.”

Leather pouch? Cute? These are not exactly the words one associates with budget.

Further inspection

The dictionary also had a long and scary definition of budget that would have made an MBA or CPA grin maniacally. Let’s ignore that part and stay with the word origin instead.

The thing I love about the leather pouch is that I can imagine holding it. You can really imagine the softness and smell of leather and feel the weight of your money inside it. It’s an evocative image, this bougette.

With your bag in hand, you can imagine going to the market in Old England and spending what you had in the pouch – arriving home with an armload of tallow, fresh eggs, and cloth. Tactile yum-yums!

Modern day hiccups

Confession: My relationship with money (like a lot of people’s) hasn’t always been healthy. Neglectful, even.

Most of my spending is virtual (debit cards, online purchases, online banking, etc.). I’m a whole step removed from that leather pouch because I have only theoretical numbers instead of real live coins and bills.

The convenience of virtual financial transactions is a huge time-saver, but some money gurus say that it’s better to use cash, because you can hold it in your hand. It’s real. Make your own determination on this, but I believe that the outcome of virtual spending in my life is not knowing where it goes and spending more than what’s in the pouch.

The reality is…

Abundance theorists will hate me for saying this, but there’s a finite amount of money in the pouch. Someday you can grow more, but right now, you have what you have.

The leather pouch, the budget, creates structure. Without this structure, your money slips away, bouncing down the cobbled streets and willy-nilly into others’ hands.

The walls of the pouch, the budget, help support who you are and get where you want to go. And knowing the exact nature of the container means you can plan what you do with the contents.

Dood! What does this have to do with organizing?

Ha! Have I drifted too far afield? I’m having a lot of fun with this Old England analogy.

Okay. If you have dreams and goals for yourself and your business, get familiar with the shape of your container. Consider spending time developing a healthy relationship with your money facts.

A budget isn’t about sacrifice. It’s about making decisions that are in alignment with your goals. That’s all.

For example, if your goal is to be gainfully self-employed doing work you love, buying a yacht might take you off course by giving you debt you can’t afford. If you dream of building a home for your family, buying decor and furnishings beforehand might delay the groundbreaking. That new (fill in the blank) might look adorable, but how does buying it fit with your goal of being debt-free? Just notice.

There are no right answers. There are only actions that bring you closer or farther from your goals and dreams. You still have to live while you’re reaching those dreams, so be kind to yourself.

Things to try:

To organize, become familiar with your money container, your bougette.

1. Write down your answers to the following questions: What do you dream of doing with your life? What are your goals?

2. Determine your average monthly income (the money in the leather pouch) and monthly expenses (what you let out of the pouch) based on your current income and spending. Remember to add in expenses (like insurance) that happen less frequently than once per month.

3. Draft a spending plan (budget) that will support progress toward your goals. Adjust it as time goes on to reflect the realities of life. Be sure to celebrate your progress!

And let me know how it goes!

Even though I’m pretty savvy with computers, I needed to get this idea on paper. BIG paper. I wanted to scribble and draw and use my whole body in the creative idea-generating process. I was so jazzed.

Then I looked around my office and crud! - there was nothing to write on!

Lemons into lemonade

So, I got out an old roll of wrapping paper and taped it to the wall, white-side out.  Tentative at first, I scratched out the basic idea and then excitedly filled in the gaps with broad, colorful strokes. It was great! It was huge!

This was the first step I took in getting my business, Inspired Home Office, off the ground. That wrapping paper stayed up for the first 6 months of my business’ life, serving as a guide. A visual reminder. A map.

When I stopped needing it, I took it down, rolled it back up and used it for holiday presents (talk about recycling!).

If you can see it, you can do it.

Have you ever had the urge to plan a big project, but got stuck?

Anytime you’re planning something big and involved, you need three things:

• A clear, invigorating idea of where you want to go
• Specific steps to get you there
• A way of reminding yourself what’s next and tracking what you’ve completed

Personalizing what you need

With these 3 things as your guide, you can plan and execute a project any way you like. How would you like to track your big projects?

Here are 3 tracking variations I’ve seen – and the basic elements that each one entails. Which one sounds most like you?

Neat and tidy

• Big picture plans turned into into specific, measurable goals
• Breaking goals down into steps
• Put all of the steps in your system with timelines
• Follow up at the end and evaluate

Big and messy

• Huge wall charts on butcher paper with markers
• Dry erase boards, cork boards, and lots of stickies
• Ideas represented by colors, symbols, and shapes
• Oversize calendars with important dates circled

A combination of both

• A map or mindmap that’s broken down into smaller steps
• Aspects of the neat and the messy, tidy and big mixed together
• Systems that blend your creative mind and your planning mind

Reflect and listen

Do any of these 3 descriptions sound like you – or how you’d like to be? Have you attempted some of these, but feel disappointed with either the lack of clarity or results?

If your projects feel haphazard at best or remain incomplete for long periods of time, ask yourself:

What do I need that would help me love staying on track?

Listen deeply and you’ll be surprised by the ideas that come to you.

The week before her arrival, I worked my tail off. It seemed like a stunningly good idea to put in 14 hour days to complete everything I’d normally do during the time she was here.

In the words of my Irish friend, “It was mad.”

Been there, too?

Maybe you’ve noticed this: you’re under a time crunch and expecting yourself to be ultra productive. But what actually happens is you fritter away time doing busywork and don’t complete the important tasks.

Personally, I got so frantic about everything I just had to do, I barely got it all done before my friend arrived.

Everything is an opportunity for transformation

The good news is that I practice what I preach: having an inspired home office is an evolution, not a revolution. When something doesn’t work or negative feelings pile up, it’s an incredible opportunity to learn.

Here’s what I realized.

You can’t manufacture yourself

Ever since industrialization, work has been defined as a linear process. Raw materials in, marketable product out. In our culture, we tend to work linearly, too.

But what happens when you are the product and your brain generates the raw material? You can’t hire three shifts, pay minimum wage, and keep the shop open 24/7.

When you’re the product, this linear thinking can do damage to your one-person show. Effort yourself into too much “productivity” and you’ll get exhausted sooner or later – even doing work you love.

The alternative: Working sustainably

It’s more sustainable and more enjoyable to think and work in terms of seasons. A particular project can show you the bountiful harvest of autumn and a contemplative winter. You plant the seeds of spring and burst into blooms of ideas in summer.

Chances are good that you’re in many places and seasons at once… and they’re all good. You might even check in right now and ask: what season are you in with your marketing? Or product development? Or your network and strategic alliances?

But what about your goals?

Does this seasonal, energetic flux mean you can’t have goals to work toward? Of course not. Goals keep you on track – but they don’t have to be shackles.

If you want to encourage sustainable productivity in your business, try these three guidelines for goals:

Things to try

1. Cultivate focus.

Ask yourself two questions to hone your focus:

What do I want?
When do I want it by?

These questions can be about anything: profit, marketing, projects, etc. You can write your answers longhand or make a bullet pointed list – whatever you need to take a good look at them.

2. Establish priorities.

Once your list is written and you’ve identified what you want – by when, ask one more question:

What is most important right now?

If you have several projects running at once, one might bring you the greatest profit, another is something you promised to a client, and a third could include regular maintenance of files. All of these are important; you decide which outranks the other.

When you’re clear about what trumps what, decisions become easier. Look at your list again and determine what you’ll do first and next and next after that.

3. Set boundaries.

Last, and arguably most important, is deciding when it’s time to not produce work. The last 2 questions:

When will I stop?
What do I need to care for my body, mind, and spirit?

A list of goals or to-dos won’t become your master if you’re clear about what kind of rest you need. Once you’ve established boundaries for yourself, honor them. Stopping allows you to rest and recharge, so you can work again renewed.

Summing up

You can use these three steps when work is calm, but especially when your workload is overwhelming or “mad.” You’ll be able to see through the busy-ness and work more effectively on your business.

Have you been asked yet?

If they haven’t already, you know someone’s going to ask you, “What’s your New Year’s resolution this year?”

A lot of folks roll their eyes because they know that, come mid-February, we’ve forgotten what we’d even resolved to do.

Why the skepticism? Because changing is hard work.

Does deciding make change happen?

Unfortunately, sometimes merely deciding isn’t enough.

A client of mine recently resolved to give up smoking (I’m so proud). But because nicotine is an addictive drug, she’s had to do a lot more than just decide. Can you imagine?! It’s a daily, sometimes minute-by-minute commitment to choose one thing over another.

She’s reaching out for support, has a clear goal, and a specific plan. Yup, it helps a lot when you have a plan.

A Resolution Revolution

The problem with a resolution is that it’s just short of a wish. It can be a positive, healthy idea (losing 10 pounds, stopping nagging, writing more letters, etc.) – but often lacks a coherent game plan.

I’ve been proudly following my Patriots winning season this year (say what you will about recorded calls and a historic “fumble”). They have a huge goal: another Super Bowl.

And they plan – one step at a time – to get to their destination.

You can get there.

Instead of creating a resolution your forget later – or rejecting the whole resolution idea entirely – why not set yourself up for success?

There’s a camp of folks that say that a goal should be SMART: specific, measurable, attainable, realistic, and time-specific. When a goal has all 5 of these attributes, it’s easier to understand where you have to go – and recognize when you’ve arrived.

But you still need one more thing…

The missing link

The plan of action.

Let’s say you resolve to increase your income for 2008. Your SMART goal could be something like: “After expenses, I want to make $2,500 monthly (or more) for 10 out of 12 months in 2008.” Sounds great! Yay, you!

Your plan of action will then list out the details of how this will happen. Will you cut down on some expenses? Will you complete the product you’ve been working on? Will you offer a class or promote your services in a new way?

Writing down the steps that will get you from where you are today to your destination is the best way to actualize your resolution.

Things to try

1. Write your plan down and post it somewhere visible

I love dry erase or wipe-off markets for this. Last year I bought wrapping paper on clearance and used the blank side to create a wall chart for my goals. You could use a bulletin board or clipboard if space is more limited. Making your plan interactive and visually appealing helps keep it fresh.

2. Set up a reminder system to help you stay accountable

If your enthusiasm tends to wane after time, use Outlook or other organizing software to schedule time to work on the steps as well as give you reminders to help you stay on track. You might also consider including a trusted business friend to be an “accountability buddy” – they may want the same from you!

3. Keep track of your progress

Make appointments in your calendar to check in regularly about where you are along your path. If it’s a resolution for the year, for example, checking in monthly might be good. You might like to do this more frequently when you start and less so once you’re moving.

A final thought:

The Wise and Wonderful “They” say that it takes 3-4 weeks to form a new, healthy habit. So give yourself time to dream, write up your plan, and then get moving!

I really thought I was broken.

I would forget an appointment, for example. When I discovered the error, all h-e-double-toothpicks would break loose inside my brain. I’d spew all kinds of insults and admonishments at myself.

After that internal tongue lashing, I’d resolve, once and for all, to change. To myself and others. To always show up reliably, no matter what. To be neat, once and for all.

If you want to make the gods laugh, tell them your plans.

You can guess what would happen next. Despite my best efforts, things would fall apart again, and the whole cycle would repeat. What a struggle.

Some of my clients, bless them, are facing years of chronic disorganization and they honestly believe that they are broken. They’ve tried to get organized and feel they’ve failed. Many times they’ve resolved, once and for all, to “get it together” but have not been able to implement organizing ideas consistently or with much success.

Until they start working with me, some of my clients don’t believe it’s even possible to be effective in business because their space is so out of control. How sad!

Rewriting the story

Chances are good that you want to contribute something positive to the world through your work. You believe that your gifts are valuable – and that healing and harmony come about when they are shared.

This is true.

And if you feel overwhelmed in your workspace or in your role as a business owner, consider this: these strong feelings and frustrations are not validation of your failure. They’re a call to pay closer attention. They’re your inner guidance system telling you that change is imminent.

Use discomfort to your advantage

The good news about negative feelings like embarrassment and frustration is that, eventually, they cause you to act.

That’s where the urge to “do it right once and for all” comes from. But it’s important to pause so that you can point that energy in the most effective direction.

I firmly believe that nothing is “once and for all,” there are only steps in the right direction.

For example…

My clothes live in my office closet, and it’s been a tenuous peace.

You can bet I’ve had my share of those “once and for all” conversations about the condition of the closet and the laundry hamper next to it.

Logistically, there’s no where else for the clothes to live. After many resolutions to never be messy again, I’ve deliberately begun to make small steps toward my vision of an office that supports my business completely.

My energy and attention are focused on where I want to go, not on what I’m doing “wrong.”

Action in the “right” direction

When I’d had enough of the losing battle with my clothes, I took action. I found the hamper lid – so now I’m not distracted by my laundry. I purchased hangers for my pants that are fun to use – so I’m more motivated to hang them up.

Does it work all the time? No.

But, the fundamental question is this: is it closer to my vision? Yes. Can I concentrate on my business better as a result of these adjustments? Yes. Is it more effective than chastising myself? Yes.

Will it take awareness on my part to work more effectively? Absolutely.

What’s important is that you make progress, one step at a time – in service to yourself, your business, and ultimately your clients.

Things to try

1. Take the long view

Imagine a day in your future where your office and its systems completely supported your business. What would it look like?

Create a picture in your mind that is compelling and invigorating. Go to the next step when you’ve completed this one.

2. Look at the short view (right now)

If you’ve been tolerating an intolerable space for a while, take a deep breath and look courageously around you. See at the reality of the place you work.

If your struggles have more to do with procrastination or incomplete work, stop for a moment to take stock of what is actually going on. What is really happening?

3. Draw a line between them

Hold the vision of where you want to go in your mind and beside it, the reality of where you are.

When you do this, the path to get there becomes clear. Write down what steps you want to take – and make them small, incremental steps so that you can notice and get rewarded by the changes as you go.