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Personal Finance
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From the October issue of MONEY Magazine
By Cybele Weisser, MONEY Magazine

NEW YORK (MONEY Magazine) - You know the feeling. You have eight credit cards, six insurers, three phone companies and four brokers. Your financial life has officially spun out of control. Trouble is, the price of disorganization can be far greater than an unsightly desk.

Chances are you're paying too many fees, missing tax deductions, lowering your investment returns -- and undermining your wealth.

Getting on top of your finances takes work, but it doesn't have to be hard. You can conquer most of these 10 common financial problems in less than an hour. Start with simple jobs that can be tackled quickly and build from there.

Problem 1
Your bills are always due yesterday. »»subscription story

Problem 2
You have three phones, two computers, cable TV and five bills. »»subscription story

Problem 3
You have no idea how much you spend. »»subscription story

Problem 4
Your accountant is demanding combat pay every April. »»subscription story

Problem 5
Your vital documents are in a sock drawer. »»subscription story

Problem 6
Your wallet is bursting with plastic. »»subscription story

Problem 7
When you last checked your portfolio, Enron was a large-cap. »»subscription story

Problem 8
You have 10 insurance policies -- and little peace of mind. »»subscription story

Problem 9
Your brokerage statements are as thick as the White Pages. »»subscription story

Problem 10
You're buried in paper. »»subscription story
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