Posted in family, Organizing, Uncategorized

Do you have a Plan? Organize you finances ~ October is National Financial Planning Month

So do you have a budget? Do you know when you power bill is due? Does your significant other?

Yes ~no~ maybe? While for many couples money is a point of contention. Each of you needs to know what is going on with and where your money is going. You both need to know how to access to your online accounts and at the very least how much money is coming in and going out.

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Are you one paycheck away from disaster? If you are then you need to put the brakes on and talk to someone.

There are so many ways to dig you out of a hole. Such as cut up your credit cards, use cash, use the envelope system, Dave Ramsey’s, Suze Orman, or any number of other systems that are out there. They are easy to find. I am sure you can find one that you can work with. There is even the suggestion to keep only one credit card but freeze it in a freezer bowl of water for EMERGENCIES.   That way you have to thaw the card and by having it frozen limits your access. It’s really not a good idea microwave your credit card.

Everyone needs an emergency fund.

Note new shoes or a new outfit, going out to dinner or big TV is not an emergency.

An emergency is tires for your vehicle, car repair, hospital or dental emergency, job loss or home repair.

Have you thought about how you might buy a house?

Are you are looking for a house, will you buy in the city or country? How long will your commute be? Are you willing to do that? Do you have money for a down payment?   Can you handle the mortgage payment, insurance, taxes and maintenance? When you become the homeowner you also become the super. Oh no the hot water is out? That is your problem. Leak in the roof. Yep ~ that repair is on you. By the way these repairs are not covered by your standard homeowners insurance. You can purchase a separate home warranty plan that will cover some of these repairs.

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So maybe you are in the market for a new vehicle. Can you tell me how much your car insurance is?

If you are in the market for a new car would you check to see how much your insurance will cost on the new vehicle before you purchase it? Did you know that your automobile insurance does NOT cover repairs unless it was as the result of an accident? Not because you didn’t check the oil and you blew up the engine or your drivetrain just wore out. WHAT THE WHAT.

Yes ~  this is why you need an emergency fund.

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Do you have children? Are you making a college savings plan? Do you want it help your kids go to college or do you think that if they do it all themselves they will be more serious? But can they? Have you thought of this before?

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All photos from Unsplash.com

Have you got a plan for retirement? Do you have a date you would like to retire? Do you know the earlier you start saving for this the less money you have to put in? Right AMAZING. If you have not started saving, now is a good time.

If you do have a retirement date in mind will you be debt free on that date? If you have less money coming in you need less money going out.

What about where will you live? Does your house allow you to age in place? Is there are bedroom and bathroom on the main floor? Stairs are not your friend when you get older. Your knees will thank you.Lindsay-Henwood Upsplash photo-1448387473223-5c37445527e7

 

Do you have a will? Even if you are young you need a will. If you are young parents you need this more than ever.   You want to provide for your children. Who will become their guardian?

Are you single? Do you have a Durable Power of Attorney for Health Care? Lets say you are in an accident, you have a life threating injury and unable to communicate? Who speaks on your behalf? Who are they going to call?

Advanced Directive? Is a written statement of a person’s wishes regarding medical treatment, often including a living will, made to ensure those wishes are carried out should the person be unable to communicate them to a doctor.

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No financial or legal advice is being give here. I only want to make you think. Organize your finances and get your financial plan started. Take advantage of National Financial Planning Month.

“If you fail to plan, you are planning to fail!”  ~ Benjamin Franklin

So do you have a plan?  I love you comments.  Please share this with your friends and family.

Thanks  Pamela

 

#organize #finances #planning #money #overwhelmed #newpost #momlife #parenting #budget

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Posted in Organizing

Let that stuff go!

Your kids are growing up before your eyes.  You only get 18 summers with them before they go off on their own.  (Maybe)   Time is SHORT!!!!

The thing I want to say to you is to LET THAT STUFF GO!  Today we are well and rocking our lives along but what if you got news that in 20 days you live would change drastically!  Your loved one might be diagnosed with a terminal disease or you might be in a fatal automobile accident.  You never know when or of your grand plans will be recalculated and changed in a moment.  map-rgyglpwwjb0-richard-tilney-bassett

I tell you to be organized because you have better things to do than search for stuff.  Play with your kids when they are young, enjoy your grandkids, or walk the dog.  Spend time with your family, your spouse, your friends.  You don’t have a guarantee.  Don’t wait to do it now.A photo by Leo Rivas-Micoud. unsplash.com/photos/R_BLOGXpsOg

Cook dinner and use your good china or don’t.  In our house, the good china is Chinet® disposable plates.  Why?  Because we don’t want to spend time washing dishes when the family is all together.

If you are holding on the stuff.  Why?  Let it go.  Don’t sacrifice space that you need for stuff you don’t.

You hear the news every day of how lives are changed in an instant but you think that is sad but still, it’s not you, or it’s not your family.  It might be.   I want you all to stop today and think about this post.  dog-with-ball-oh9auo20kbk-andrew-pons

Go out and have a good day!  Smile at a stranger and be nice.

Thanks Pamela

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#letitgo #seizetheday #bepresent

Posted in family, Organizing

How to organize all the stuff you kids bring home from school.

Now that school is almost out for the summer,  you know it’s going to happen…

Last day of school they will bring home papers, art projects and test papers. It may have already started and you have to decide what you are going to do with them.A photo by Tim Arterbury. unsplash.com/photos/VkwRmha1_tI

Of course almost every parent’s refrigerator is an art gallery. But want about giving their masterpieces a more prominent place? You can use clipboard and create a gallery wall that are easily changeable. You can read more about using clipboards to create art galleries from Houzz.com. click here

Or Love Grows Wild shows you how to make rustic but elegant clipboard frames http://lovegrowswild.com/2013/08/diy-photo-clipboards/

There are lots of amazing ways to display your children’s artwork out there all you have to do it look.

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Another fabulous option that answers the question of what to do with all the treasures they bring home every day.

SCAN or snap a digital photo of them.

Set up a digital photo frame for each of your children.

Digital frames can now share photos without a computer. It connects to the Internet via phone line to download new pictures and information to display on the screen. Basic digital frames have internal memory and just a USB port; some can use a memory chip. They are not complicated to load your pictures on. The most basic digital picture frames contain a certain amount of internal memory and a USB port. You simply connect the frame to a computer via USB and the frame shows up looking like a flash drive, and then drag and drop images to the frame until the memory is full.

You can enjoy their treasures every day and not have lots of clutter – Bonus.

The grandparents love getting these.

Give them a digital photo frame for each of your children.  We have given our parents a digital frame from each of us. That way they can update our photos and share our candid pictures with them on a regular basis. We just load the flash drive and sent it to them.

Grandparents, parents and siblings appreciate getting more pictures from you and that they don’t have to find a place for a new frame.

If you choose not to go digital you can set up albums, boxes or folders for your children. At the end of the year you can choose the best or your favorites and have them made into a book.child_scribble_age_1y10m

What are your thoughts? Digital or hard copy? Really it does not matter as long as you organize them and make sure you give your kids the proper amount of ooohs and ahhhs.

Thanks Pamela

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Photo credit Unsplash and Wikipedia

#organized #kidsart #momlife #livingwithkids #endofschool #parenting #overwhelmed

 

Posted in Organizing

Teachers and end of school

I have spoken with many teachers and here is what they want you to know.  gift annie-spratt-96529

“Don’t buy us mugs!  We have way too many.  Also don’t buy us picture frames, hair clips, and other kitschy stuff.  We enjoy gift cards.  Lunch or coffee would be great.  Also, we spend lots of our own money on school supplies for your children so gift cards for supplies would be wonderful.  (Walmart, staples or even the local grocery store).”thank you card aaron-burden-211846.jpg

Teachers said getting gift cards was their best gift and if they got gift cards for school supplies it was equal to getting a raise.  They work tirelessly for your children and all that I spoke to love their work.  Your children’s handmade stuff is great but each year they have 9 to 26 students.  Think about if every year you got a mug or handmade gift from that many people you would be overwhelmed too.  Right?  Think about what would you do with that?  Where would you keep it?

I work with teachers to help them control their clutter the same as I work with you to help you.  We find that they struggle with letting go of clutter so if you add to their clutter you are not helping.

You don’t have to keep every gift.  Remember if you don’t need it, like it, use it let it go.

Have a great day!!  Who was your most memorable teacher?

Thanks Pamela

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#teachers #teacherappreciationweek #lessismore #giftcards

Posted in Organizing

Happy Friday, today is National Get Organized Day!!

Finally.. get organized day!!

 

Are you ready to throw down the gauntlet?

Are you still struggling with how to start getting organized?

Hoarded living room, Essex.
Hoarded living room, Essex.

Do you feel overwhelmed by clutter?

Sometimes the hardest thing to do is to determine where to start. Looking around your home you know there is clutter. Where do you start, should it be in the Kitchen, the bathroom, the bedroom or how about the kid’s room? It can be overwhelming and so you just don’t do anything.

I’m here to tell you that you can add control to your chaos. You will find that if you are organized it will make you feel so much better when you walk in the door of your home. More importantly, when you leave you can find your keys. Knowing where things are will save you time. More time that you can spend with your family or just doing something that you enjoy.

Here is the deal. It does not matter where you start.

Today I am going to help you kick start the process of decluttering.

“Big things have small beginnings” Prometheus

This is a super easy way to start. Are you ready?Veri Ivanova-stopwatch-photo-1431499012454-31a9601150c9.jpg

Take the 3 Things Challenge:

Go running through your home and grab THREE things that you don’t need and throw them away. Pick any room and any three things.

Run now, run like the wind.

PS – Do not trip over your cat, dog or guinea pig.

Also, do not throw away your pets-unless they are of the rock variety.

Do this once a week. Small steps have big results.Globe in the trash 298390093_9b7198f34d_z

Ta-Da! You have now started and you can Bee Organized.

Tell me what did you throw away today?Pam's Bee.jpg

 

 

#family, #challenge, #letitgo #Organized, #clutter #getorganzed

 

 

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