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

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 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, Uncategorized

Save Money!!

So am I the only one that does not know about Ebates?  If you don’t let me tell you about this.

ebates-logo

You shop and you get paid.  What!!! I know Mind blow!!  Just in time for the holidays I found out that if you sign up for Ebates and shop as you normally do you can get rebates, cash back and discount coupons.    If you shop at Amazon, Ebay, Macy’s, Kohls,  Staples, L.L.Bean, Walmart, Nordstrom, Office Max, Neiman Marcus, Gap, Disney, Nike, Shutterfly and so many more you are just leaving money on the table.  They have rebates, discounts and more like free shipping codes.

Nuts right?  I got a $10 Walmart gift card just for signing up.

Click here to sign up!

Also if you sign up via my referral you get $10 and I get $25.  You can be registered to win a 2016 Toyota Highlander Hybrid from Ebates.      It’s free.  As they say you already do it why not get paid for it.    It’s quick and easy.  Do it.  I’m sure you can always use the extra money!  I can.money-6355351769_766503f534_b

Thank you and you are welcome!

Pamela

#free #money #ebates #tips

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 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 #family #bills

 

 

Transformations = transform your financial situation.

<a href=”https://dailypost.wordpress.com/prompts/transformation-2/”>Transformation</a&gt;