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

 

Advertisements
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, Organizing

Ready for a timesaver?

OK easy. Simplify your life.

man looking at postcards
Photo by Kaboompics .com on Pexels.com

Un-subscribe to emails that you don’t read. Boom! OK so this time of the year you are bombarded with emails! Sale for golf balls, sale for snow skies, Sale for sweaters, Sale for boots, Pet food on sale… Book your spring trip to the beach, buy your swimsuit now. (Right, most of us are getting into our fat pants this weekend in the USA) we survived Black Friday, cyber Monday, Internet sale. Free shipping……….save $$$$!!

 

ARGH!! How about Comcast, DIRECTV, Cox communication, or Shaw… watch this movie. New episode of the next housewife… The voice, dancing with the stars…

adult boy break browsing
Photo by rawpixel.com on Pexels.com

Are you feeling like the Walking Dead?? You know you will not be watching movies this week. So un-subscribe to your cable providers emails for now. You can always re-subscribe next year when you have time.

adult article assortment background
Photo by rawpixel.com on Pexels.com

Dare I say it….if you don’t read some of the blogs you are following. You can un-subscribe as well. But of course not mine because I will save you time and hopefully money!!! Just kidding. Seriously I know your time is valuable.   Use it wisely. If you are overwhelmed ~ cut out the crap.

You are welcome! What do you wish you had more time for?

Thanks  Pamelabee_organizedwithpamela-jpg

#overwhelmed #email #unsubscribe #Family #time #momlife #dadlife

Posted in clutter, Organizing

Is Frankenstein in your house?

I know you are thinking where the heck is she going with this?  Halloween?  Movie time?  Stay with me.

frankenstein-monster-983567_1280
Photo from Pixabay.com

So do you have a bookcase made from cement blocks and wood planks?

How about a chair that you are using a book as a chair leg?

Does your grill cover have more duct tape showing than original fabric?

Are you using duct tape on an outlet that you need to have repaired? Dangerous!

How about zip ties? Are you using them to hold your hair dryer together?

How about Safety pins? Are you using them on your underwear or Slip? Or tape on your Bra’s underwire? OUCH! You deserve better.

These are Frankenstein projects. Bits and pieces from here and there.

The bigger Frankenstein can be clutter and disorganization.  Like the monster, it can become out of control.  It can be so stressful trying to control the monster.  It can take on a life of its own – Taking over your life by controlling your home.  Time to take control of your Frankenstein.

Where does your monster lurk?  By the front door?  Shoes, bags, keys or the dog’s leash?  Maybe the monster is in your bathroom?  Hiding in the potions, lotions and torture devices you use on your hair and lashes?

Or is your monster creeping around your kitchen?  Hiding your lid and Tupperware from you?  Stashing your to go mug lids where you can’t find them…

So if you have monsters in your closet..kid’s room or the playroom.  You have to get the monster out of their room.  No child wants a monster in their room.

Being that Halloween is near, I challenge you to take control of your very own Frankenstein.

Clear out the clutter!  Take that monster to the trash, donate it to a new zoo, or sell that freak show.  Cash in on your clutter.  You can be organized.  Think of all the time you will save and wouldn’t you rather be enjoying time with our family and friends than searching for your shoe the monster took under the bed.

What is your Frankenstein project?

Thanks!  Pamela

bee_organizedwithpamela-jpg

 

#clutter #organized #overwhelmed #newpost #momlife #priorities #Seizetheday

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 clutter, Organizing

Is Frankenstein in your house?

I know you are thinking where the heck is she going with this?  Halloween?  Movie time?  Stay with me.

frankenstein-monster-983567_1280
Photo from Pixabay.com

So do you have a bookcase made from cement blocks and wood planks?

How about a chair that you are using a book as a chair leg?

Does your grill cover have more duct tape showing than original fabric?

Are you using duct tape on an outlet that you need to have repaired? Dangerous!

How about zip ties? Are you using them to hold your hair dryer together?

How about Safety pins? Are you using them on your underwear or Slip? Or tape on your Bra’s underwire? OUCH! You deserve better.

These are Frankenstein projects. Bits and pieces from here and there.

The bigger Frankenstein can be clutter and disorganization.  Like the monster, it can become out of control.  It can be so stressful trying to control the monster.  It can take on a life of its own – Taking over your life by controlling your home.  Time to take control of your Frankenstein.

Where does your monster lurk?  By the front door?  Shoes, bags, keys or the dog’s leash?  Maybe the monster is in your bathroom?  Hiding in the potions, lotions and torture devices you use on your hair and lashes?

Or is your monster creeping around your kitchen?  Hiding your lid and Tupperware from you?  Stashing your to go mug lids where you can’t find them…

So if you have monsters in your closet..kid’s room or the playroom.  You have to get the monster out of their room.  No child wants a monster in their room.

Being that Halloween is near, I challenge you to take control of your very own Frankenstein.

Clear out the clutter!  Take that monster to the trash, donate it to a new zoo, or sell that freak show.  Cash in on your clutter.  You can be organized.  Think of all the time you will save and wouldn’t you rather be enjoying time with our family and friends than searching for your shoe the monster took under the bed.

What is your Frankenstein project?

Thanks!  Pamela

bee_organizedwithpamela-jpg

 

#clutter #organized #overwhelmed #newpost #momlife #priorities #Seizetheday

Posted in clutter, family, Organizing

Don’t put that down!

Look around? Do you see coffee mugs on the table, your desk, or dishes on the counter? How about are you using your treadmill as an extra valet? Do you want an easy tip to cut that clutter out?

Alejandra Parejo- Cup photo-1448632055520-5180f82474e2
Photo by Alejandra Parejo

You need to implement the one touch rule.

What is the one touch rule?

 

Easy. If you have something in your hand ~  take it where it belongs. Don’t put it down.

We recently talked about laundry. Fold it when you take it out of the dryer and put it away. How about when you and come home from work or school and you change clothes? Hang them up or put them in the laundry basket. Don’t throw them on the bed or your exercise equipment. Touch them one time. If you toss them on the bed you have to come back a second time and put them away.

Let’s talk about dishes. Don’t leave them sitting around. Don’t put them in the sink, immediately put them in the dishwasher.

Who is guilty of leaving an unfinished craft project on the table? How about ingredients all over the kitchen when cooking or baking?

When you use something ~ put it back. Touch it one time.

This applies to your entire family. Kids too.

Danielle MacInnes photo-1455815152231-be9c88eb7468
Photo by  Danielle MacInnes

The Parent Coach, Susan Stiffelman at the Huffington Post suggests the following:

  • “Establish that no new toys can be taken out until whatever has been played with has been put away. Kindly remind your daughter if she forgets. And by all means, do not clean up her messes. If you cave in and do the job for her, you will have taught her that if she whines or procrastinates long enough, she won’t have to take responsibility. Acknowledge that you understand that she’d rather not put away her paints, or that it looks like it will take forever. By letting her feel heard and understood, you’ll ensure that her upset will dissolve more quickly — and help her accept that she simply has to get the job done.”

  • Start by resetting the rules. Explain to your kids that you’ve made some new decisions about cleaning up, and you want to share them so that everyone knows what to expect. “When you’re finished playing with something, it’s important that you put it away completely before you move on to something else. If you forget, I’ll remind you once. If you still forget, that particular toy will go in a special box for a month.” Some parents tell their children that toys that are left out will be given away. Decide how harsh you want to be — but make sure that you follow through. If you deliver meaningless threats in the heat of the moment, your child won’t take you seriously.

  • Break a big job down into bite-sized steps. Help your children work in manageable increments if they have a lot to clean up. “Start by putting away anything with red on it … or anything made of plastic … or whatever is small enough to fit in the palm of your hand.” This will help them learn that, little by little, they can get a big job done — whether it’s cleaning up a physical mess, working on a complex report or organizing a research project.”

For more of Susan’s tips click here

If only I could get the fur babies to put back their toys.IMG_0316_1024 2

You should have better luck with your kids.

Aaron Burden photo- crayon 1453749024858-4bca89bd9edc
Photo by Aaron Burden

Only Touch an Item Once

I love your feedback.

Pam's Bee.jpg

#beeorganized #overwhelmed #disorganized #family #realmom #motherhood # truelife #mom #kids #laundry #onetouch, #clutter #reallife

 

Partners

Posted in clutter, Organizing

Ready for a timesaver?

OK easy.MoreFamilyTime 5-1 b

Un-subscribe to emails that you don’t read. Boom! OK so this time of the year you are bombarded with emails! Sale for golf balls, sale for snow skies, Sale for sweaters, Sale for boots, Pet food on sale… Book your spring trip to the beach, buy your swimsuit now. (Right, most of us are getting into our fat pants this weekend in the USA) Black Friday, cyber Monday, Internet sale. Free shipping……….save $$$$!!

santa-4123836032_424fbe1779_b

ARGH!! How about Comcast, DIRECTV, Cox communication, or Shaw… watch this movie. New episode of the next housewife… The voice, dancing with the stars…

Are you feeling like the Walking Dead?? You know you will not be watching movies this week. So un-subscribe to your cable providers emails for now. You can always re-subscribe next year when you have time.

Dare I say it….if you don’t read some of the blogs you are following. You can un-subscribe as well. But of course not mine because I will save you time and hopefully money!!! Just kidding. Seriously I know your time is valuable.   Use it wisely. If you are overwhelmed ~ cut out the crap.

You are welcome! What do you wish you had more time for?

Thanks  Pamelabee_organizedwithpamela-jpg

#overwhelmed #email #unsubscribe #Family #time #momlife #dadlife

Posted in clutter, family, Organizing

Ready for a major time saver………

Delete and unsubscribe to emails you don’t shop at or read.

This time of the year you a bombarded with email after email a sale from this store and that store. But do you actually shop at that store? No? Un-subscribe.MoreFamilyTime 5-1 b

Do you have emails from DIRECTV, Comcast or your cable company telling you about the movies that they are playing this week and you know there is no way you are watching movies this week? Un-subscribe. You can always re-subscribe at a later time.

And I hate to say it but am there blogs that you don’t read? Un-subscribe unless of course, it is mine, cause you know I will save you time. But really your time is important. It takes time to delete things you have no intention of reading.

Don’t allow your email to overwhelm your life. Take control. How do you take control of your emails?organized-computer-desktop-c1c4b1aa

You are welcome.

Thanks Pamela

bee_organizedwithpamela-jpg

 

 

#Email #overwhelmed #time #lettinggo #clutter #unscribe #momlife #dadlife #livingwithkids

Posted in clutter, Organizing

Capsule Wardrobe — Organized Yogi

I recently met a brand new blogger.   Organized Yogi.  She may be new to blogging but she is starting a journey with a great plan to Bee Organized.  Check this out.

Since I began incorporating minimalism into my lifestyle, I honestly feel so much lighter! Even though I wasn’t physically carrying around all the extra books, clothes and knick-knacks that I donated, I could feel their heaviness leave the house with them. To date, I have de-cluttered & minimized the following areas of our home: Kitchen (pantry, […]

via Capsule Wardrobe — Organized Yogi

#minimalism #lessismore #declutter #minimize #challenge #lessstuff #organized