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 family, Organizing

Are you a Procrastinator or Just Overwhelmed?

feeling overwhelmed today 6187904322_22fe521616_z

If you procrastinate, you put off until later what you should probably do right now or you wait until the last-minute to start a project.

Stop me if this it you:

  • You know you have to make dinner every day. (I know right, why does my family feel like they need to eat every day.) But you do not even think about what’s for dinner until 7:00 pm.
  • You know your husband only has 7 pairs of underwear but you don’t do laundry until the 8th day. Can you say commando?
  • It’s December 24 and you have not started shopping? I personally love gifts from CVS.
  • The school bake sale is today. You have no plans or baked goods?
  • Your vehicle gas is on empty and the low fuel light came on yesterday morning. You know your drive is 42 miles from the school to work and home. So does the light mean you have 50 miles to go before you run out of gas?
  • You are possibly overwhelmedoverwhelmed 5-1 a

Putting this off until the last-minute is stressful. Wondering if you will make it to the gas station or not with your kids in the car…yep, that is stressful.

Are you the type of person who thrives on adrenalin and intentionally puts off what they know needs to be done for the thrill? Probably not intentionally. More likely you are overwhelmed.

So do you procrastinate or are you overwhelmed?

You have too much to do and not enough time to get it done.

Try doing the following:

  • Delegate some of the responsibility. I know your kids may not load the dishwasher the way you would but it’s OK. The dishes will get clean. Also, so what if your husband does not fold the towels the way you would. They will still dry you off.
  • Make the most of your time. If you could get organized you will find you have more time.
  • Don’t assume. Have clear expectations and responsibilities.  You may have heard the saying, if you assume you make an ass out of you and me.
  • Make time for you. Mom is a 24/7 job and you deserve a break even if it is only taking a shower without interruptions.
  • Don’t be afraid to ask for help. Set up a support system
  • It’s OK to say NO. You don’t have to do it all.pexels-photo-907486.jpeg

Remember

  • This is a phase. It’s OK  and you will get through it.  Your kids will get older.
  • Each Mom has their favorite phase of Motherhood and that is OK too.
  • Take Joy in the moments.  The moments your little one hugs your neck and gives you messy kisses.  Each moment is an opportunity to make a memory.

Mom’s now it’s your turn share or vent about your personal experiences.

Thanks Pamela

Pam's Bee.jpg

#overwhelmed #procrastinate #motherhood #parents #momslife

 

 

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

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

bloglovin

 

Posted in family, Organizing, Uncategorized

I’m worth it!

Calista at A Fettle Fine Thyme writes about treating yourself.  Not going crazy but small luxuries.  She says Yes you are!  I agree with her.   I want you to know you also are worth the small price of being organized.  You know how I preach that disorganization steals time and money.  I know of what I speak.  Think about the last time you went to the grocery store without a list?  Did you spend more money than if you would have had a list?  How about the other day when you could not find your keys, kids homework, shoe or that other thing that you lost?  How much time did you spend searching?  What would you rather have been doing then searching for lost things?  How many times have you bought a new thing that you know you already have but you just can’t find the one you already own? Look that all adds up.  So while you are reading her thoughts on the subject think about your own life.  Yes, you are worth it!  See you later,  Pamela

I have had this niggling thought in the back of my head for the last week or so and I’ve wanted to write a post about it. I find myself with a spare 30 minutes this morning, so I thought there’s no time like the present. Last week I bought the expensive razor blades. You […]

via I am worth… —

Posted in clutter, Organizing

Declutter your mind

I hope you enjoy this reblog from Doorstep Wisdom.  I will see you tomorrow.  Thanks Pamela

Our minds. As the sun sets each day, we are a collection of our thoughts, feelings and experiences. Similar to a white board, smart board, or chalk board, depending on your generation. Our minds are filled, covered and crowded with thoughts. Becoming jumbled, and rather confusing some days. They can truly weigh us down, or […]

via Our minds — Doorstep Wisdom

Posted in family, Organizing

Enough to Share — Unmeasured Journeys

Do you have a phrase that sort of lives in your back pocket and no matter where you are in your day or in your life, you think of it? For me, several phrases come to mind, but there is one in particular that’s been plastered to my heart with imaginary tape ever since my […]

via Enough to Share — Unmeasured Journeys

 

Enjoy!  See you tomorrow.

Thanks Pamela

Posted in family, Organizing, Uncategorized

Home….A Sense of Place — The Chicken Grandma

Today is a day that so many of us will never forget where we were…  But Today I am sharing with you a wonderful story from Faye.  She is the Chicken Grandma.  Why because she is the grandma with chicken.  That is not why  I am sharing her story, I  am sharing this today because will all need a sense of home.  I hope you find some sense of place.  I will see you tomorrow.  Pamela

Years ago when my boys were in high school they had an English teacher who made the class write poetry on the topic “Sense of Place”. He wanted to know what spoke home to them. They sat there stumped for awhile and I told them to just think about what they heard from their bedroom […]

via Home….A Sense of Place — The Chicken Grandma

Posted in clutter, family, Organizing

Cleaning While Chronically Ill – It’s Slow — lethargicsmiles

I’d like to introduce you to Jackie- She is an amazing Mom.  She bravely shares her story.  I wanted you to see cleaning and organizing from her point of view.  If Jackie can do it so can you.  Thanks Jackie for allowing me to share. Enjoy her story.  Pamela

I spent the past few days alternating between resting, stretching, and cleaning. That may sound boring, however I am pretty excited about it. My house has gone a long time without a deep clean, and various obligations have meant I couldn’t use my energy toward whipping it back into shape. All summer, I have looked […]

via Cleaning While Chronically Ill – It’s Slow — lethargicsmiles

 

#Illness #organized #overwhelmed #momlive #parenting #kids

#newpost #priorities #Seizetheday