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 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.

Frames photo-1465161191540-aac346fcbaff.jpg

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

Pam's Bee.jpg

Photo credit Unsplash and Wikipedia

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

 

Posted in clutter, Organizing

Is this your year to park in the garage? Tips to make that happen

 

November means fall, or some of you say autumn but what ever you say soon there will be falling leaves and falling temperatures. We moved to Arizona to not have cold winds, freezing rain and snow. But the rest of you will soon have to be dealing with just those things. We have always had a rule; if we have a two-car garage we will be parking two cars in it. Not allow it to be filled with clutter and stuff. If you have a garage and you can’t park your car in it and you want to; lets work together and make that happen.

car photo-1470434151738-dc5f4474c239

Now is the perfect time of the year. Not too hot, not too cold. Just right.

First things first: Timing

Start this project the day after your regular trash pick up. Next if you have “Big trash day” or “bulk trash day” start the weekend before that day.

Get lots of big garbage bags.

If you have not used it in a year and it is not a tool let it go.

You have 3 choices; you can throw it away, donate it or sell it.

garage-before
Rubbermaid Garage Makeover before

If you moved into your house over 2 years ago and you have boxes that you still have not opened. Don’t. Just donate them. You have not needed them they are taking up space.

garage-after-flicker

If you have unfinished projects that have been unfinished for over 2 years, news flash you are not going to finish them. Let them go. If not set a firm deadline and if that deadline passes without you completing them you have to let them go.

If you have used oil, paint or other chemicals that you need to get rid of Waste Management has some tips. municipalities residential-solutions household-hazardous-waste

If you are using your garage as a storage facility for excess furniture that you do not have a timetable to use, you need to let it go. Most likely when you move into that new house your old stuff that has been sitting in the garage with the spiders, bugs, mice and dust will not work in your space. I can only assume it does not work in your current house.   If you are holding on to your bachelor furniture that your wife will not let you move into the house, just let it go. She is not going to change her mind. Wouldn’t you rather park your car in the garage then sit in that ratty recliner with the oversized rear projection screen TV?

juha-lakaniemi-photo-of-icy-carRemember, months of winter weather are fast approaching. Just saying 10 to 20 more minutes of sleep vs. starting a cold car, scraping off the windshield. Being the wonderful man who you are you will not have to do the same thing for your wife. She will be so happy.

Remember Happy Wife….Happy Life.

Maybe she will buy you a new amazing recliner for your dream man cave.

In summary!

Garages: Just because you have a Garage for storage, doesn’t mean you have to keep everything there forever. Schedule one or two days a year to give the Garage a once over. Once you get the hang of it you wont have to make a big project out of it. Just look for a few things that you can toss or donate. And then do it!

Thanks PamelaPam's Bee.jpg

#mancave #garage #organize #overwhelmed #momlife

Posted in clutter, Organizing

Dear College Freshmen – 2018

I’ll be the first to admit college has changed a lot since my days.  So I went to a couple of experts.  The Wicked Hippie is now a senior so one could say she has been there and done that.  Then The Mermaid in a Mudslide shares 5 Things to Remember.   As you go forward with this new exciting chapter in your life enjoy your freshman year and know you can do it.  Pamela

A new academic season is coming up and that means a lot of incoming college freshmen are probably scared, excited, confused, happy, and sad. I knew I was when I was a freshmen. I am now a junior at university and along the way, I have learned things that I wish someone would have told […]

via Dear College Freshmen — thewickedhippieblog

Five Things to remember…

..as you head off to college.  Five Things to Remember

Posted in clutter, Organizing

Found Money ~ Is it free money?- Leftover Change

Did you know that American’s have on average $90 in loose change.

spare making-change.jpg

SO how many of you have a change jar, mug or bowl? I know some of you have spare change in multiple places..

Do you have any change in the laundry room from when you are emptying pockets, or that you found in the washer or dryer. Remember, finders keepers!

How about in a closet then you empty you pockets? Or in the bottom of your handbags, are you guilty or just taking out the “stuff you need” and leaving the rest?

Look in your old wallets and don’t forget to check all your coats too.

jackest-photo-1472168087442-46b12008e7c7

Do you have spare change in a drawer maybe from the change you get from when you have pizza delivered? What about your desk drawer? How about those greeting cards did you forget that you have $5 dollars from your Aunt Dolly? What about your kids toy boxes? (I am not suggesting you raid you kid’s piggy banks.)

Are you hoarding rolls of coins in a box in a closet or under your bed?

Could there be spare change in your car, under the seats, in the ashtray, deep in the center console or the cup holders that have a few grimy coins that are covered in soda syrup?  Sometimes there is a stash of spare change in the garage from when you cleaned out the car.

car-photo-1472458176790-9acc869d03da

Oh just in case you thought I might forget ~ check those cushions in your furniture.

red-chari-photo-1462212210333-335063b676bc

So if you take this opportunity to gather all those coins you might find that you have some unexpected fun money. Possibly you have lots of spare change just gathering dust. Wouldn’t it be fun to find out how much you can find?

Most banks will take your change and count it for you. They will then just add it to your account for no fee. Many other places there are coin machines that will cash in your coins on the spot.

See organizing can be fun and profitable.  Well maybe ~  it’s almost like free money. Not really more like forgotten money, but what are you waiting for. Round up those coins! I can’t wait to hear about your discover. What will you do with your spare change? Tell me where you found your spare change.bee_organizedwithpamela-jpg

#Money #change #coins #organized #clutter #momlife

Posted in clutter, Organizing

Is this your year to park in the garage? Tips to make that happen

October means fall, or some of you say autumn but whatever you say soon there will be falling leaves and falling temperatures. We moved to Arizona to not have cold winds, freezing rain and snow. In looking at the weather I see that snow is already falling in the north.  But the rest of you will soon have to be dealing with just those things. We have always had a rule; if we have a two-car garage we will be parking two cars in it. We do not allow it to be filled with clutter and stuff. If you have a garage and you can’t park your car in it and you want to; let’s work together and make that happen.

car photo-1470434151738-dc5f4474c239

Now is the perfect time of the year. Not too hot, not too cold. Just right.

First things first: Timing

Start this project the day after your regular trash pick-up day.  Next, if you have “Big trash day” or “bulk trash day” start the weekend before that day.

Get lots of big garbage bags.

If you have not used it in a year and it is not a tool let it go.

You have 4 choices; you can throw it away, donate it, give it away or sell it.

If you live in a neighborhood you can put your stuff on the curb with a “free” sign and more than likely it will disappear.   Last weekend was our big trash day and we put our a broken mini-fridge and a heater along with some tree limbs.  We barely closed the garage door before someone swooped in and grabbed the broken mini-fridge.  They had plans to convert it into a cooler. (Thank you Pinterest!). The next morning the heater was gone too.

Just a word of warning – Don’t leave your junk on the curb for very long.  Your neighbors will not take too kindly to a junky street.

garage-before
Rubbermaid Garage Makeover before

If you moved into your house over 2 years ago and you have boxes that you still have not opened. Don’t.  I Repeat Don’t Open them!  Just donate them. You have not needed them they are taking up space.

garage-after-flicker

If you have unfinished projects that have been unfinished for over 2 years, news flash you are not going to finish them. Let them go. If not set a firm deadline and if that deadline passes without you completing them you have to let them go.

If you have used oil, paint or other chemicals that you need to get rid of Waste Management has some tips. municipalities residential-solutions household-hazardous-waste

If you are using your garage as a storage facility for excess furniture that you do not have a timetable to use, you need to let it go. Most likely when you move into that new house your old stuff that has been sitting in the garage with the spiders, bugs, mice, and dust will not work in your space. I can only assume it does not work in your current house.   If you are holding on to your bachelor furniture that your wife will not let you move into the house, just let it go. She is not going to change her mind. Wouldn’t you rather park your car in the garage than sit in that ratty recliner with the oversized rear projection screen TV?

juha-lakaniemi-photo-of-icy-carRemember, months of winter weather are fast approaching. Just saying 10 to 20 more minutes of sleep vs. starting a cold car, scraping off the windshield. Being the wonderful man who you are you will not have to do the same thing for your wife. She will be so happy.

Remember Happy Wife….Happy Life.

Maybe she will buy you a new amazing recliner for your dream man cave.

In summary!

Garages: Just because you have a Garage for storage, doesn’t mean you have to keep everything there forever. Schedule one or two days a year to give the Garage a once over. Once you get the hang of it you won’t have to make a big project out of it. Just look for a few things that you can toss or donate. And then do it!

Thanks PamelaPam's Bee.jpg

#mancave #garage #organize #overwhelmed #momlife

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 clutter, Organizing

Dear College Freshmen –

I’ll be the first to admit college has changed a lot since my days.  So I went to a couple of experts.  The Wicked Hippie is now a Junior so one could say she has been there and done that.  Then The Mermaid in a Mudslide shares 5 Things to Remember.   As you go forward with this new exciting chapter in your life enjoy your freshman year and know you can do it.  Pamela

A new academic season is coming up and that means a lot of incoming college freshmen are probably scared, excited, confused, happy, and sad. I knew I was when I was a freshmen. I am now a junior at university and along the way, I have learned things that I wish someone would have told […]

via Dear College Freshmen — thewickedhippieblog

Five Things to remember…

..as you head off to college.  Five Things to Remember

Posted in family, summer tips, Uncategorized

Should you go on vacation?

This is one of my favorite blog posts.  So I am sharing it with you again.  Enjoy and GO on VACATION!.

Should I stay or should I go was never a question in my family.  The answer was always let’s go

photo-1467564151038-a705a00e19bf
Photo by Marjorie Bertrand

I was reading comments on vacation memories and got to thinking about my own.

Our family motto is,  “it was not a vacation until someone had a flat tire or ran out of gas”. I got to thinking about all the prior vacations. The memories ran from shortcuts that were not, in fact, shorter but may have involved some very narrow roads that may not have had guard rails that went on for miles with no place to turn around. Praying that you did not meet another vehicle since we were pulling an RV.

My granddad loved Colorado and we went there many times. I have traveled by vehicle all over the United States and parts of Canada with my parents, grandparents, aunts, uncles, cousins, brothers and my husband. We have stayed in tents, a Scotty tiny trailer, fully functional RVs, hotels, and cabins.

I have seen lots of wild animals from bears, moose, and elk, to little ground squirrels. 45 years ago we fed a bear chewing gum one time.  DO NOT DO THIS.  don't feed the bears

I have seen a rogue bear who he thought he could share a tent. The owners of the tent were willing to let him because who’s going to stop him.

We always went to the ranger talks. We learned about the parks we were visiting and heard some great stories. The walk back to the camp was amazing. No lights except for the stars and flashlights. If you have the opportunity to do this, do it. Take the time and take your kids.

I can’t tell you how many flat tires or times someone ran out of gas. Someone in my family has this thing about wanting to see how many miles they can get out of a tank of gas.   There have been many other calamities such as the time the truck caught on fire – That was a bit too exciting! Then there was the time the mini-bike fell off the back of the RV. My uncle was following us and I think he had to change his pants after that experience. Of course, this is the same uncle whose short cuts were not shorter.pierre SD

Of course, my parents will never forget the time they left me in South Dakota, which was 754 miles from home. First, you have to understand it was way before cell phones and there were 5 vehicles all traveling together. I was prone to ride with almost anyone of the 5. So it was just a matter of miscalculation on all our parts. I can tell you that now to this day. When I get out of the car to go to the restroom…I have the keys.

It was an adventure for me. Hours later when my parents stopped for the night and set up camp they discovered there was one less kid with them… Huh? What took hours to drive earlier did not take anywhere near as long back. I was fine. My parents got a few gray hair that day. But never the less vacation continued on as planned. It was an amazing time.

My cousin’s birthday was always celebrated while on vacation. One year we couldn’t find a cake so she got a cookie with pine needles candles on it. She still talks about her birthday cookie.

My husband and I took a trip with my parents to Yellowstone a few years ago.  There was a forest fire blocking our way back to the DNR Dude ranch (yes, that was the name) where we were staying.  So we had to take a detour of  163 miles.  We almost out of gas but we saw the most amazing sunset I had ever seen.  All I am saying is sometimes the detour brings a wonderful surprise just around the bend.

warren kelly photo-1464886127619-5a478b4fad96

If you are on the fence about taking a vacation let me say, GO! They are your vacation days. Take them. Spend time with your family. Unplug and go. There are only so many summers when your kids will be little. They are growing up and you need to make memories.

So go make memories. Good or bad they will be the things you will talk about for years and years to come.

Heck, maybe one of your kids will write about it someday.

Pam's Bee.jpg

#vacation #goRving #travelwithkids #familytime

 

A Piece of Advice
Journey

Posted in clutter, family, Organizing

Reasons for Resistance to Change

Misunderstanding that there is a need for change sometimes the reason for the change might not be clear — If you and your family do not understand the need for change you can expect resistance to change. Especially from those who strongly believe the current way of doing things works well…and has done for years! Famous words, “My Mom did it that way.”MoreFamilyTime 5-1 b

Fear: Fear of the unknown — One of the reasons I see frequently for resistance to change is fear of the unknown. Before some people can take steps toward the unknown is when they feel that not changing is a greater problem than the current situation and then they will move towards in a new direction.compas-photo-1470472304068-4398a9daab00

Lack of competence in the change — This is a fear many people will find difficult to admit. But there are times when change is required and may require changing so of your skills, and some people will feel that they won’t be able to make the transition very well. An example might be   you have been a single person or a couple and now you have a baby. You have to change the way you do many things.

A connection to the old way — If you ask people in a family or an organization to do things in a new way, as much as to you the new way makes your life easier and saves you time, you will be setting yourself up against all that emotional connections to the old way – and that’s not trivial. (This might go back to the way your mother did it and you would never want to insult your or their mom.)

Low trust — When people don’t believe that they can change there is likely to be resistance to change.

Temporary or a phase — Some people believe that the reason for change is a temporary or a phase.Danielle MacInnes photo-1455815152231-be9c88eb7468

Not asking the family — If your family is allowed to be part of the change there is less resistance. People like to know what’s going on, especially if their lives may be affected.

Poor communication — Well Duh! It’s self-evident isn’t it? When it comes to change there’s no such thing as too much communication. Everyone needs clear ideas as to what is expected of him or her.

Changes to routines — When we talk about comfort zones we’re really referring to routines. We love them. They make us secure. So there’s bound to be resistance whenever change requires us to do things differently. Make sure you keep talking about what you want and need. Everyone can have a role. (OK, maybe not the pets but everyone else.)dog-with-ball-oh9auo20kbk-andrew-pons

Benefits and rewards — When the benefits and rewards for making the change are not seen as tolerable for the trouble involved. Make sure everyone gets some benefit from your changes. Example, if Mom has help keeping the laundry done then she may have more time to go to the park or read the kids a story.

Realize there may in fact be resistance to change and planning for it from the start will allow you to successfully implement your changes. Be proactive you can do this.  I love your comments.  What has been your resistance to change?

dont make change too complicated 5-9

Thanks Pamelabee_organizedwithpamela-jpg