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.

piggy bank photo-1459257831348-f0cdd359235f.jpg

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.

home photo-1415301918039-3a58086adf06.jpg

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.

car trip 1 photo-1439147229757-b3e2a7731fc8

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?

Processed with VSCO with a4 preset
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.

funny-quotes2

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 Uncategorized

What is the number one reason to get organized and simplify your life?

MoreFamilyTime 5-1 b

What is the number one reason to get organized and simplify your life?

Your family.

When you make an effort to get organized, you free your mind to focus on the things that invite joy and happiness into your life. Not only can you create more “Me time” when you clear out the clutter and simplify your life. You’ll free up more “We time” with the ones you love. It’s time to slow down, relax, and enjoy your beautiful home with your loving friends and family.

Are you ready to start.  It’s not that hard.

beverage blue breakfast brown
Photo by Pixabay on Pexels.com

Don’t ask what do I want to get rid of? Instead, Ask what do I want to keep?

There are 6 easy questions to ask yourself about your clutter.
1. Have I used the item in the last 12 months?
2. Do I already have one of these?

3. Do I love this?

4. If I saw this in a store today would I buy it again?

5. Is it in good condition?
6. Does this fit into my current lifestyle.

If you answered no to any of those questions then you should get rid of those things.

When you come back, we will talk about ways to do just that.  Feel free to comment on the areas that create the most clutter in your life.  Let’s find a way to make the most of your time.

beach frame hand holding
Photo by rawpixel.com on Pexels.com
Posted in clutter, Organizing, Uncategorized

Tips to help with a move into assisted living or senior housing

So it’s time.  You have talked about this and you are all in agreement you have to move yourself or your senior family member into a smaller possibly senior housing.  I know you are both looking forward to the day and a bit nervous.  Not to fear I want to share some of the best tips to make your move in day the best it can be.

beverage blue breakfast brown
Photo by Pixabay on Pexels.com

Check with the facility for its recommended packing list and exact space measurements. Find out what items are already provided in every resident’s space, so you don’t bring duplicates. Be sure to ask whether there are rules against anything — it’s not uncommon for communities to prohibit coffeemakers or even expensive jewelry collections. Also note that most communities recommend labeling every item (including clothes) with the owner’s name.uros-jovicic-322314

 

But how are you or your mom going to make it in 400 square feet? Remember  that the living residence itself, and the size of the room, suite or apartment is not the most important thing in any senior living residence, including assisted living, memory care or skilled nursing. If the “stuff” will fit and the adult child and their mom or dad is happy with the space available, then the actual size doesn’t matter! It’s how the space is arranged and what quality of care is delivered that really matters.

selective focus photography of left hand on top of right hand on white pants
Photo by rawpixel.com on Pexels.com

However, that being said this is a few things to keep in mind.

Furniture

  • Bed (rent a comfortable hospital bed, or bring a bed with a familiar mattress)
  • Nightstand (ideally with drawers and shelves)
  • Seating (small sofa, chairs with arms, rocker; avoid chairs on casters)
  • Small table(s) with storage, such as shelves or drawers
  • Small kitchen table or drop-leaf table (a standard dining table is usually too big)
  • Dresser (second dresser for storage may fit in closet for extra storage; drawers are often easier than hanging everything

Clothes

  • Also, think comfort for class clothes and shoes.   Perfect examples are solid tanks, comfortable flats, and a comfy pair of pants. Mix and match will be your friend. Remember that scarves can really change an outfit.
  • You will not need lots of dressy outfits. Think a basic little black dress with a jacket and dressy slacks outfit and shoes for more formal affairs.
  • Work-out clothes, pajamas, a bathing suit, bathrobe and shower shoes & sneakers
  • If you are going to an area where it gets chilly you will need a light jacket. Heavy coat, mittens, hat, and scarf *(if you’re going to be in a colder climate) Maybe rain boots and an umbrella. Don’t forget a comfy pair of slippers.
  • Remember your entire space will be small. So don’t bring lots of shoes. No more than 6. But you can plan on one each: flats, dressy low heel, sneakers, slippers. It’s hard but really you will not wear every shoe in your home closet and more importantly, you don’t have room for them all.

Don’t over pack.

 

housewares

  • Microwave
  • Mini fridge
  • Dishes and glasses to use every day (but probably not settings for 10 or 12)
  • Pots and pans (large and small pots and frying pans may be sufficient)
  • Coffeemaker
  • Hot pot
  • Mixer
  • Nice serving dish (if your loved one likes to cook, there will be entertaining and social opportunities)
  • Bedding (two sets sheets, blankets, pillows, comforter — easier than a separate decorative bedspread)
  • Bath towels
  • Hangers
  • Trash can(s)
    • Wall décor (photographs, paintings)
    • Curtains (check ahead; blinds are usually already in place)
    • Lamps, lightbulbs
    • Clock
    • Vase
      • Dish soap
      • Dish towels
      • Surface wipes
      • Window cleaner
      • Bathroom cleaner
      • Laundry basket
      • Laundry detergent
      • Dusting cloths
        • Basic toiletries
        • Medications
        • Small file or other storage for medical, legal, financial paperwork
        • Photographs to display or look at in books (digitize everything else to store)
        • Special heirloom or memento to give a sense of home
        • Small safe (but don’t bring jewelry, etc., that’s not regularly used.)

    Entertainment

    • Television (if used; make sure your loved one knows how to operate it)
    • Music system (if used; make sure your loved one knows how to operate it)
    • Desktop, laptop, or tablet computer (if your loved one will use it)
    • Tool kit (some communities have workshop areas)
    • Hobby supplies (needlework, paints, craft materials within reason, cards, books, sporting goods such as golf clubs or bowling ball)

Whatever you think you need edit out 40% of it.

Oh, by the way, if you are sharing a bathroom you might not be able to leave your stuff in the bathroom.

You will have to carry it from your room to the bathroom and back again. Bring your own shower supplies. You’ll want a small bag or carryall that is easy to hang up where you can reach your soap, shampoo, and conditioner.

What should you bring with you if you are sharing a bathroom?

  • A waterproof shower caddy – either a plastic caddy or a mesh bag
  • Towels and wash cloths
  • A robe – for covering up after you shower – It might be a bit chilly in the halls even if you are not modest
  • Shower shoes – either flip-flops or crocs
  • Shampoo and conditioner – if you can use the 2-in-1 kind, you’ll save space
  • Razor and shaving cream
  • The shower gel is really easier than bar soap.

 

Which brings us to Laundry.

You may be doing your own. So you will need to bring your own laundry detergent, softener, stain remover and quarters. You will need a laundry basket or bag to get your stuff to the laundry.

pexels-photo-233223.jpeg
Photo by Matthias Zomer on Pexels.com

Don’t bring:

Candles

Halogen bulbs and/or lamps

Most landlords do not allow you to put holes in the walls so no nails.

You may not need an alarm clock if you use your phone.   Your phone can be your camera, calculator, calendar and address book.

This is not by any means a complete list if you want more tips on what to bring check with the facility.

Good Luck and cherish every moment.pams-bee-jpg

Posted in clutter, family, Organizing, Uncategorized

Are You Facing A Paper Avalanche?

Paper work. Paper avalanche. Paper chase. Whatever you call it I know papers they are the downfall of many of you.  What to do what do you need to keep?

Most financial papers fit in to one of 3 categories

  • Keep indefinitely
  • Keep for 7 years
  • Keep for a year or less

Keep For A Calendar Year Or Less

ATM receipts and deposit slips –  when you receive your bank statements you can shred them.

Charge slips (unless it is for a major purchase), for minor purchases once you are satisfied with the purchase. Shred the receipt when your credit card statement.

If you do not have a home office you don’t need to keep your utility bills, monthly  mortgage statements or quarterly investment reports.

Keep your pay stubs, credit card statements and investment reports until you receive the W-2 or year-end summaries. Once you have those you don’t need the monthly statements.

Mari Helin-Tuominen photo-1444427169197-de497742b62d
Photo by Mari-Helin-Tuominen

Keep Seven Years

Year end credit-card summaries, along with your W-2s and 1099s.

If you itemize your tax return you need to keep all documents you utilized to determine your deductions. These additional documents you should retain include: canceled checks and receipts for all deductible business expenses (such as those for entertainment, home-office equipment, and professional dues), retirement-account contributions, charitable donations, child-care bills, out-of-pocket medical expenses, alimony, and mortgage-interest and property-tax payments.

After 7 years you should scan the actual tax returns or the year-end summaries of your investment accounts as they can come in very handy for future financial planning.  Then you can store them on a flash drive or a CD in a safe place.1024px-Usb-thumb-drive

Infinitely:

Keep receipts for major purchases and receipts that show how much you’ve paid for home improvements as long at your own your home. This will satisfy three things: Insurance claims, potential buyers and when you sell your home to reduce possible capital gains.

Keep beneficiary designation confirmation and purchase price slips that show beneficiary designations and the purchase price of stocks, mutual funds, and any other investments you hold.

It goes without saying that you need to keep your will, birth and marriage certificates, insurance policies, property deeds, and other permanent records in a safe but accessible place near your other financial documents, so you and your heirs will always be able to get to them quickly, if they need to.

Invest in a fireproof safe or a safe deposit box for your forever documents.

OLYMPUS DIGITAL CAMERA

 

I  suggest scanning and digitizing your important personal documents as a back up copy. More info on this by News Leavitt Just remember a digital copy is not the same as a paper copy but it is much easier to obtain a replacement copy of you have a photo copy.

Also, invest in a shredder.  In today’s world you really don’t want personal information floating around out there.  You can find them for not much money.

For more information  how long to keep your documents check here for more info from bankrate.com.  They have a very detailed list.

Now that you know what to keep and what to shred, I have a post on how to deal your paper as it come in the door.  If you would like to read it here is the link  Did you get Stacked?

I hope this helps you let go of your papers.  I love your comments.

Pam's Bee.jpg

 

 

#organize, #clutter, #paperwork, #documents #taxtime

 

Posted in Organizing, Uncategorized

Is it time to downsize? Is your parent needing to go into a smaller place ~ think tiny

Today we are going to talk about downsizing, whether it’s for you, or for a parent.  Many times we find that just don’t need as much space.  But what is tiny? It could be 100, 200, 300 or 500 square feet?

apartment apple business chair
Photo by Tranmautritam on Pexels.com

There is a big difference in 200 and 500 square feet. We just spent a week in an 800 square foot cabin it had 2 bedrooms, 2 bathrooms plus a separate laundry room. All in all  it had everything we needed. We had plenty of room. But I could see how it would require some changes to how we shopped. There was not a pantry or a linen closet. But it was certainly doable.

apartment bed bedroom chair
Photo by Pixabay on Pexels.com

We have lived in smaller. Back when we were first married we lived in a one-bedroom apartment it was probably less than 500 square feet. Of course we did not have anything so we had plenty of room. LOL

When you start thinking about living in less than 500 square feet you

ashtray book cushion decoration
Photo by Terje Sollie on Pexels.com

will have to be really smart about what you own. Your spaces will have to do double duty. Your dining area will probably be your office. You will need to have furniture that fits the space. You can’t have an oversized overstuffed sectional and a big man recliner. You will not be able to host thanksgiving dinner for 10 and expect to seat them all at your huge farmhouse table with the matching hutch. Nope ~ Not going to fit.

If you think you might want to go tiny there are some things you have to ask your self ~

man and woman sitting in front of table with books and cup of coffee facing each other
Photo by rawpixel.com on Pexels.com

How do you live?

  • Do you have big parties?
  • Are you a cook or a baker?
  • Do you need a stove and an oven? Or do you just need a microwave and a coffee pot?
  • Must you have a large soaking tub? Did you know most tiny houses have a 6-gallon hot water heater? That is something to keep in mind if you insist on taking long hot showers. You can add a tankless hot water system at a cost.
  • How about laundry? Are you willing to go to a laundry mat? You can get an all in one machine but the downside is it is small and smaller appliances may end up costing your more than their full size versions.
  • Do you plan to work at home? Do you need a lounge area or just a place to sleep?
  • How many people will be sharing this space with you?
  • Can you be in a confined space together for extended periods of time or do you each need your own space?
  • What are you hobbies and how much stuff goes with that?

Downsizing ~ Can be painful Litmus Test

close up photography of white poodle
Photo by Cal David on Pexels.com

Anyone who is thinking tiny sounds like something they might want to try I suggest you be willing to part with at least 80% of your stuff. Are you willing to let go of those special over sized antiques or other large family mementos? If you said no, then tiny is not for you.

Still thinking you can go tiny?

tiny apartment photo-1468323867382-6a9fcbbd68f2

Would you like to dip your toe in tiny the water?

Try an efficiency apartment or buy a used RV or travel trailer. You can find a well-maintained RV for less than $5000. An RV is a quick and easy way to try tiny living.   You can’t really customize the floor plan but they are ready to go.

However if you have seriously given this thought and you are ready to do it.

Go for it.

There are great benefits of living tiny. Lower cost for purchase, utilities will be lower than in a full size house. You will need less stuff to fill it. You can spend time enjoying your new tiny lifestyle and less time to clean it. If you tiny house is on wheels it can be moved with you if you have to relocate.tiny house photo-1446144525544-808f420174ec

Lots of people are taking the tiny plunge. Even if you are not thinking less than 500 square feet you might be thinking about downsizing your home. You can define your own tiny.

So is tiny living for you?

Thanks ~ Pamela

bee-LOGO

 

#downsizing #tinyliving #lessstuff #tinyhouse #organized #clutter #overwhelmed

Posted in clutter, family, Organizing, Uncategorized

Are You Facing A Paper Avalanche?

Paper work. Paper avalanche. Paper chase. Whatever you call it I know papers they are the downfall of many of you.  What to do what do you need to keep?

Most financial papers fit in to one of 3 categories

  • Keep indefinitely
  • Keep for 7 years
  • Keep for a year or less

Keep For A Calendar Year Or Less

ATM receipts and deposit slips –  when you receive your bank statements you can shred them.

Charge slips (unless it is for a major purchase), for minor purchases once you are satisfied with the purchase. Shred the receipt when your credit card statement.

If you do not have a home office you don’t need to keep your utility bills, monthly  mortgage statements or quarterly investment reports.

Keep your pay stubs, credit card statements and investment reports until you receive the W-2 or year-end summaries. Once you have those you don’t need the monthly statements.

Mari Helin-Tuominen photo-1444427169197-de497742b62d
Photo by Mari-Helin-Tuominen

Keep Seven Years

Year end credit-card summaries, along with your W-2s and 1099s.

If you itemize your tax return you need to keep all documents you utilized to determine your deductions. These additional documents you should retain include: canceled checks and receipts for all deductible business expenses (such as those for entertainment, home-office equipment, and professional dues), retirement-account contributions, charitable donations, child-care bills, out-of-pocket medical expenses, alimony, and mortgage-interest and property-tax payments.

After 7 years you should scan the actual tax returns or the year-end summaries of your investment accounts as they can come in very handy for future financial planning.  Then you can store them on a flash drive or a CD in a safe place.1024px-Usb-thumb-drive

Infinitely:

Keep receipts for major purchases and receipts that show how much you’ve paid for home improvements as long at your own your home. This will satisfy three things: Insurance claims, potential buyers and when you sell your home to reduce possible capital gains.

Keep beneficiary designation confirmation and purchase price slips that show beneficiary designations and the purchase price of stocks, mutual funds, and any other investments you hold.

It goes without saying that you need to keep your will, birth and marriage certificates, insurance policies, property deeds, and other permanent records in a safe but accessible place near your other financial documents, so you and your heirs will always be able to get to them quickly, if they need to.

Invest in a fireproof safe or a safe deposit box for your forever documents.

OLYMPUS DIGITAL CAMERA

 

I  suggest scanning and digitizing your important personal documents as a back up copy. More info on this by News Leavitt Just remember a digital copy is not the same as a paper copy but it is much easier to obtain a replacement copy of you have a photo copy.

Also, invest in a shredder.  In today’s world you really don’t want personal information floating around out there.  You can find them for not much money.

For more information  how long to keep your documents check here for more info from bankrate.com.  They have a very detailed list.

Now that you know what to keep and what to shred, I have a post on how to deal your paper as it come in the door.  If you would like to read it here is the link  Did you get Stacked?

I hope this helps you let go of your papers.  I love your comments.

Pam's Bee.jpg

 

 

#organize, #clutter, #paperwork, #documents #taxtime

 

Posted in Organizing, Uncategorized

Whack A Mole

Does this sound familiar to you?

You walk past your crammed closet and think “I’ll clean it eventually.” Your overflowing drawers will not close and you think, “Oh what’s the big deal. I haven’t cleaned it because I am busy.”

You can’t find your keys in the pile on your table and say, “So what? Doesn’t everyone have a clutter problem?”

You work really hard to pound down your piles of paper, yet they continue to pop up like Whack-A-Mole. whack-mole

You buy containers and baskets and chalkboard labels to hold your stuff, yet it continues to multiply like bunnies.

But after each attempt to change your ways, the stuff in piles remains. After each failed attempt, the disorganization goes downhill. So why can’t you get control?

As frustrating as it is, you learned something necessary: you can’t just wave a magic wand, buy a bin, or trash a tower of paper and call it organized.

Why does this happen?

It’s a lifestyle. And like any other lifestyle you have to learn and practice. And get better at it every day.

Check back with me often and I will continue to share tips with you. If you think you need my help I am here.

Thanks

Pamela

bee_organizedwithpamela-jpg

Posted in Organizing, Uncategorized

Psst…… What’s In Your Drawers?

OK, let’s talk about your drawers.

Are you hoarding rubber bands, twist ties, shopping bags or you tell me?

Why? You don’t need 1,000 rubber bands, 50 twist ties from your bread wrappers or 25 paper bags.

Really, you don’t. You might need a dozen rubber bands and a few of the other things. Why do you think you might need them? If you can’t come up with a good reason let them go.

And No a Rainy day is not a good reason.

The better question is, how many have I used in the past 6 months? If you answer is none then you really don’t need them.

rubber band ball

I’ll admit my Dad had an amazing rubber band ball but he had goal. When it reached a certain size he would retire. By the way he did.

 

Throw away, recycle or sell needs to be your mantra!

 

“Happiness is a place between too little and too much” – Finnish Proverb

 

What did you do today to find your happy place today?

Pam's Bee.jpg

 

#nomorestess #clutter #organizing #whatisinyourdrawers

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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.

piggy bank photo-1459257831348-f0cdd359235f.jpg

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.

home photo-1415301918039-3a58086adf06.jpg

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.

car trip 1 photo-1439147229757-b3e2a7731fc8

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?

Processed with VSCO with a4 preset
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.

funny-quotes2

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

Posted in summer tips, Uncategorized

Maine! Is this on your bucket list?

Maine is on my bucket list.  I have traveled almost all of the United States but the upper east coast including the original 13 colonies remain on the yet to be explored list.  But one day I am sure I will get there.  In the mean time, I have found an amazing blog that will have to suffice.  For now.

“The sunlight claps the earth, and the moonbeams kiss the sea” Percy Bysshe Shelley This week my husband and I are enjoying time with family in Maine’s beautiful Acadia National Park and its surrounding towns. Since Erica’s challenge for the week asks us to demonstrate transition, I thought the awakening of sleepy Bar Harbor with […]

via Magnificent Maine – WPC — Travels and Trifles