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Monday, August 23, 2010

Clutterbugs: Take Action

How much pain is your messy house causing you and your family? Probably a significant amount. Even though you try to convince yourself that it doesn't matter and that is really isn't so bad, the problem with living in clutter is that you constantly feel out of control and are critical of yourself because of it.

It's natural to feel that way because our brains are wired to want order and control over our surroundings. Plus we have the opinions of others driving us. Every time we see a TV show with a beautiful house, or a friend talks with disgust about her messy family, or we drive by our neighbor's immaculate garden, we unconsciously compare it to our situation and feel a sense of inadequacy and frustration.

The best way to fight these feelings is with action. But you have to go about it in a sensible way. Your house didn't get in this shape overnight and it isn't going to get better overnight either. And the habits of a lifetime aren't going to change like magic just because you want them to.

But what you can do is make one positive change right now and then follow it with another one. Create a chain of positive action. What if you were to take a piece of paper right now and write down your top three challenges? Could be your laundry pile, your dining room table, and your guest bathroom. Now write down three small things you could do in each area - one to be done right now, one to be done in a couple of hours, and one before bedtime or first thing in the morning if it's getting late. That's not too overwhelming, now is it?

How do you think you'll feel after doing those nine things? Your house may not look measurably better, but you will have given yourself a push in the right direction, and that will give your spirit a lift and get your brain working in a positive direction rather than beating yourself up about it.

Then tomorrow pick 3 other areas and 3 small tasks you can do in them or even three small habits to work on - making the bed, folding your laundry right away, and putting your shoes in the closet instead of the living room. Don't forget to allow yourself a little time to just admire what you've accomplished. That's important. And even though you will want to, don't add four more things, or twelve. Just let those be enough for now and give yourself praise for doing them, just like you do when you want to encourage your kids.

And if you forget, or if you don't do one of the items perfectly, let it go. Don't stew and fuss about it, or call yourself names. Just pick a positive action you can do in the moment and follow it up with another one.A little bit of action is a beautiful thing....

If you'd like to see a list of previous Clutterbugs posts, just click on the link at the bottom of this post for a complete list. 



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Sunday, August 22, 2010

Smart Money: Time to Refi?

Got an Email from my Mortgage lady the other day. Apparently it's time for another refi. Rates are down to between 4.25% to 4.5% and she has a streamlined refi deal that won't even cost us any fees. Took me about 3 seconds to decide and I sent her a one word response - YES.

(Sidebar - kids, don't try this at home.  Obviously, this wasn't one of those scam Emails you get all the time, this is someone at a reputable bank who has handled several loans for us.  She's wonderful and always keeps an eye out for us like this!  Plus she's a co-worker of mine and her son teaches my son's band class - hey, Salt Lake is kind of a small town that way.)

I think most women are amazingly smart about little things like using coupons and finding great clothing sales, but when it comes to big things like Mortgages that can save you some seriously huge money, we don't always get the memo. 
A quarter of a percent might not seem like a big deal, but I ran some numbers just for giggles.

   A $250,000 loan at 30 years with my current rate of 4.75%

       Monthly Payment $1,304
       Interest costs over the life of the loan $219,482.60

  A $250,000 loan at 30 years if I go down to 4.50%

       Monthly Payment $1,266 (saves me $456 per year - nothing to sneeze at)
       Interest costs over the life of the loan $206,016.78 - that's a smooth $13K savings

  A $250,000 loan at 30 years if I can get it down to 4.25%

       Monthly Payment $1,229 (not a huge reduction, but saves me $900 a year)
       Interest costs over the life of the loan $192,745.90 - now you're talking! $26K is a lot more than you'll save with coupons and 2 for 1 sales. 

  If I could manage the $500 per month bump to go to a 15 year mortgage, I would be saving a sweet $130K - that's almost half of the value of the whole loan, isn't it?  Still think that refinancing isn't a good idea???

PS:  Just putting in a plug here for bi-monthly payments.  They were a big hit for a while, but you don't hear much about them any more.  We use them for two reasons - it's easier to have half your house payment taken out of each paycheck than it is to arrange your finances to make one large payment at the first of the month.  Also, with the bi-monthly scheme, you end up making an extra house payment every year because you are making 26 half payments instead of 12 full ones.  That can make a big difference in the long run.  So can making additional payments towards your principle.  That's one thing we always intend to do, but it just never happens that way.  Maybe that needs to be my goal once I get some other debts paid off. 

There are other benefits to a refinance too - you generally get to miss a payment or two (my favorite part!) while they get the paperwork set up, and with some loans, you can also get cash out for home improvements.  I know the ads on TV show people getting home improvement loans to use for vacations, boats, and all sorts of other bullshit stuff, but my personal opinion is that you should only take money OUT of your house to put something INTO your house. 

Of course, every refi isn't a slam dunk.  If there are fees, and usually there are, you need to take into account how long you plan to stay in the house and whether or not it's a good deal for your situation.  I think the rule of thumb is that you need to plan to stay in the house for 2 or more years for every $2K in fees.  As a bank employee, I do get a bit of a break there, along with my fabulous free checking account - oh joy! 

But the flip side of the coin is that you are extending the life of your loan for additional years.  Not a smart move if you're getting a bit older.  That is one thing that concerns me - I could be about 80 years old by the time this house is paid off, and that's if we stay in this huge 6-bedroom house for that long - we love the extra room, but it wasn't the smartest choice for a couple with two half-grown kids.  If we'd stayed in the little house we bought when we first moved to Salt Lake, our house would be 3/4 paid off by now - hindsight is 20/20 they say....

If you'd like to see past posts on Women and Finance, click on the Smart Money tag at the bottom of this post.  



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Monday, August 16, 2010

Clutterbugs - How to Organize Your Pantry

Here's a great tip - label and organize your pantry shelves. This will make cooking and grocery shopping so much easier because you'll be able to see exactly what you have on hand and what you need. Also, this is a great time to wipe down those shelves and make them all sparkly! It doesn't take much time and will give you a nice lift.

This is a task that can easily become overwhelming, so set your timer and start with just ONE shelf. I take everything off of one shelf and either crowd the stuff onto the other shelves, or put it on the counter. Toss anything that is outdated or nearly empty. Then I take a damp cloth (I typed damn cloth!) and give the shelf a quick wipe. Now it's time to decide what item groups I'm going to use for that shelf - usually two or more groups per shelf. Here is how I group my items:

Soups
Canned fruit & veggies
Cereals - dry cereal, oatmeal, granola, etc.
Drinks of any kind - Kool aid, hot chocolate, iced tea
Pasta and beans
Boxed staples - pancake mix, au gratin potatoes, Minute rice, etc.
Baking items - flour, sugar, baking powder, etc.
Spices (in a separate cabinet)
Snack items - chips, cookies, Twinkies, crackers

The items we use the most are the ones I want on the most accessible shelves. So I would start with cereals and snack items because we use those pretty much every day. Group similar items together and organize by size as best you can. Don't forget to leave a little extra space for your next shopping trip. Consider using a basket or a small box for oddly shaped items like bags of pasta or taco seasoning packets.

Now label your shelves so when your family is putting away groceries, they will put them in the correct place. You can use one of those fancy label printers, or just some plain Avery labels and a Sharpie. Don't get hung up on having all the labels look a certain way or having all the boxes line up just so - that's perfectionism and it's not helpful!

Once you finish that one shelf, you can call it a day, or if you have time, start on another shelf. You should have some room since you will have moved some items down onto the first shelf. This time you might be able to just shove everything to one side and wipe it down a side at a time rather than take everything out. You'll be surprised at how much extra room you will find when everything is organized properly. It's so nice to have a neat, well-organized pantry.

Then when you are getting ready to shop, you can see at a glance how many cans of soup you have or how many boxes of cereal. Do you have an pre-printed grocery list? I have one and it's fabulous! I have it in an Excel spreadsheet and I have it in 3 columns all organized by meal or by type of item. Then I can go down and just check off what I want to serve that week for each meal.

Example: Breakfast - I check eggs, cereal, waffles, and bagels. Lunch - lunchmeat, chips, Capri suns, and apples. Paper goods - toilet paper, paper towels & garbage bags. I have other categories for toiletries, cleaning supplies, pet goodies, plus a little space to write special items that are a one-time purchase.

It takes me five minutes to throw together my grocery list for the week and with this list, I'm not very likely to forget anything and have to make another trip the next day. I know most of you do your own grocery shopping, but I tend to be a compulsive shopper, so I usually send my oldest son or husband. Hey, you gotta know your weaknesses and find a way to deal with them.

They've gotten pretty good at it and it's turned my teenaged son into a very smart shopper. He finds all the great deals and even uses coupons. I'll bet he's the only boy his age who knows the price of a box of cereal or a loaf of bread! But I reward him by letting him spend most of the money he saves on all the pizza, soda, and other goodies he loves for his lunches. I'd probably buy it anyway, but this way he feels like he's getting a reward - shhhhh!
If you'd like to read past posts, just click on the Clutterbugs link at the bottom of this post for a complete list.


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Thursday, August 12, 2010

Projects from my August Class

My Stampin' Up! classes are really doing well.  After all these years, I've finally gotten to the point where I needed to add a second night of classes.  This week, I had my class on both Tuesday and Thursday and had a nice group of ladies at both of them.

This month, we got a little technique-y. We did kissing, rock 'n roll, and spotlighting, so I said it was kind of an Elvis night.


This is the kissing technique.  The picture doesn't show it every well, but what you do is ink up a stamp and then kiss it with a stamp in a different color and pattern.  We inked up the daisy stamp in our new Daffodil Delight and then kissed it with a tiny flower stamp inked up with Crumb Cake.  Gives it a nice stippled look.


Here is our rock 'n roll card. It gets the name from rolling the flower around in the darker ink to get the watercolored looking edge to it. I think this one was the crowd favorite on both nights. I do like the monochromatic color scheme to it.



This is our spotlighting technique.  I love how this gives a great POP of color to an image.  This Lovely As a Tree set has been one of our most popular sets through the years.  I know I've used it for dozens of projects because it's perfect for so many techniques like this.


I think this was my only non-technique card. I love this big hydrangea. You can do so many different things with it. I didn't have the right colors to watercolor it, so I browsed through some samples on Splitcoaststampers.com to find some good ideas that wouldn't require watercoloring and I really like the way this color combination came out.  


A lot of my customers are teachers and they love these little boxes like this.  They are perfect for party favors, or quick little gift boxes for all occasions.  Best of all they are so easy to make.  (Sorry the picture is so poor - you can't see the cute robot on the front from the Lots 'o Bots set - he's got a headache, so I put a Get Well greeting on it). 

These classes are a lot of work to prepare for, but I really enjoy them and I get such a kick out of seeing the ladies reactions to the different projects.  I never know which one they are going to like the most.  And it earns a few extra dollars for me to stock up on some new stamps and cardstock for next month! 




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Monday, August 9, 2010

My Clutterbugs Story

Here is my story about how I came to start with my Clutterbugs posts. It's been a long time in the making. It has taken me more than 20 years to finally feel comfortable with my house and my level of cleaning/organization. I have learned a lot along the way, both about myself and about the basics of housecleaning. After all my experiences, I felt like I wanted to be able to share these tips with other women who are in the same position as I was.

I think for a lot of us the messy house issue is rooted in childhood. Whether your Mom kept a clean house or a messy house, it has an effect on you. My husband and I came from completely opposite backgrounds. His Mom was definitely a perfectionist and kept a very clean house, but because she never allowed him to participate in the cleaning and never required him to do the daily things that are necessary to keep his own space clean, he never learned how to do it himself. I'm sure there was also a habit of rebelling against her because she was always nagging him about keeping things picked up.

On the other hand, I grew up in the messy house. My Mom was a single working Mom. She left the house at 7:00 in the morning, dropped me off at a sitter and picked me up again at 6:00 or so. This was the routine for nearly every day of my entire childhood. We ate TV dinners every night and spent the remainder of the evening watching TV, reading books, and working on our craft projects. Dishes were left in the sink until the weekend, laundry was done once a week and vacuuming and dusting were done once a month, if we thought to get around to it.

That's nothing against my Mom, it's just that she had other responsibilities in her life and other priorities. After working all day and all week, she felt like the rest of her time should be spent relaxing and spending time with me. The TV was on virtually all the time. People almost never came over to our house, so it wasn't a problem if our house was cluttered or messy and it usually was. She was a bit of a compulsive shopper and having grown up in the Depression, she rarely, if ever discarded anything, so we had a lot of "stuff".

So when my husband and I got married 25 years ago, we both had a lot of challenges as far as the house cleaning goes. Neither of us had any concept of daily cleaning routines, or felt that housework was a priority. We've both worked full time during our whole marriage and had a instant family as he came to me with his 3 year old son, plus our two other sons who came along much later.

By the time we had been married for several years, we had a perpetually messy house, were fighting constantly about the housework, and had accumulated a LOT of "stuff" that we were constantly trying to get a handle on.

I think the real eye-opener for me was when we moved from California to Utah. We filled up a 15 foot truck, my parents car, my husband's truck, plus my car AND a 10 foot open U-Haul. And even then we had to leave a bunch of stuff behind! I had no idea that we had that much stuff until I saw it all in one place.

That was the turning point for me. From then on, I started shedding stuff. I started taking a really close look at what we had and how much of it we really didn't need. We had also bought a really gorgeous new house in a very nice neighborhood, so I was really motivated to want to keep it clean. I started doing regular clear-outs of our clothes, books, movies, and toys. By the time we made our next move, a year or so later, we had about 20% less stuff.

We made a couple of more moves over the next decade and each time, I made a big point of decluttering more and more stuff. I also got a better handle on my overshopping problem so I wasn't bringing so much stuff in. Then I started to build some cleaning routines that worked well for myself and my family. About this time, we got a computer and started to get access to that "new" thing called the Internet (yes, I am THAT old!).

I found a website called Flylady.com that really saved my life. She started to teach me that being messy wasn't something I needed to be ashamed of. I wasn't a bad person and I wasn't alone. I was just doing the best I had known how to do and if I would just start building some simple daily routines I could get a better handle on things and be happier with my life and my house.

I didn't have to be perfect and I didn't have to spend all my time cleaning. In fact, one thing I discovered is that as a messy person, I spent much more time cleaning than the clean people did because they don't wait until it gets so far out of control that it takes whole days to clean things up.

Turning 40 was a big life changer. I began to be very interested in changing virtually all aspects of my life, including my housecleaning habits. I began to read self-help books - LOTS of them. I read books, listened to audio tapes, and bought movies of all the major self-help authors of the 20th century, including Zig Ziglar, Dale Carnegie, Napoleon Hill, Earl Nightingale, Tony Robbins and more others than I can count.

I also got numerous books by all the "cleaning gurus" - Flylady, Sandra Felton, Julie Morgenstern, and many others. And I worked weekly with a personal coach. Very slowly, things in my life started to change, bit by bit. I began to have a more positive attitude. I began to look at the problems in my life in a different light and to see more possibilities to resolve them. I began to have more hope for the future and to take more responsibilities for my actions.

As I began to get my house in order (both literally and figuratively), I wanted to share what I had learned with other women who were facing the same challenges. I love to write (obviously), so I started building some lessons. I did some advertising and started teaching my first classes. I never had a lot of attendees because I am terrible at the marketing side of this, but I was so encouraged when I started seeing what a difference these classes were making in the lives of my students. One lady cleared an entire truckload of clutter out of her house as a result of my words.

I continue to work towards my goal of perfecting my routines and getting my house exactly the way I want it, but as long as I continue to make progress, I'm content. Perfection is never the goal, just progress, and when I look back to where I started and see how far I've come, I can see that I am well on my way.

If you'd like to see the previous posts, just click the Clutterbugs tag at the bottom of this post for a complete list.






Monday, August 2, 2010

Clutterbugs - Do you Act Like a Kid?

I had a thought the other day. If you had a kid who didn't do their chores, didn't eat properly, and just basically wouldn't follow any of the rules you've set down (yeah, I know, who doesn't?), what would you do?

Now how many times do you act like that? We all do, don't we? We all know the things we are supposed to do around the house - dishes, laundry, picking stuff up, you name it. But for some silly reason, we just don't want to do them.



What if you talked to yourself the way you would a misbehaving child? Sometimes I think it's important to address that "inner child" and admit to those issues and deal with them head-on, just the same you would if it were a real child behaving this badly.

On the other hand, my kids respond much better to rewards than they do to punishments. Maybe you are the type who would respond better to some kind of a reward instead. And rewards can be many different things. Maybe it's just some time to read a book, or call and talk to a friend you wouldn't normally. Maybe it's going to a movie, or even just a gold star on your hand. You have to mix it up and pick whatever is going to work for your particular inner child.

So, go clean up your room, young lady!!!

If you'd like to read other Clutterbugs posts, click the link at the bottom for a complete list.   



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