Showing posts with label Finances. Show all posts
Showing posts with label Finances. Show all posts

Friday, March 27, 2009

Moving in the Future? Start packing now!

Knowing that moving again is in my near future, either because we get this house sold or rent it out, I find myself thinking about what to do to make the move easier. I know the worst thing to do is to jumble things together in hopes of sorting it all out on the other end. I also know that anything that isn't in a container is difficult to move. So, I've decided to tackle packing way in advance by getting things into containers as much as possible and planning which containers to use where. 

1. Clothes: I already got rid of our dressers in exchange for plastic drawers that are stored in our closets. These are so great when moving because they're already packed. I'll need some tall moving boxes for hanging clothes and shoes.  (This is probably a good time to pare down my shoe collection.)

2. Cosmetics and toiletries: I haven't gone through this stuff in at least six months. I'll need to do that, and then locate some large zip lock bags to pack it all in. Then it can all go in my suitcase.

3. Office supplies: I think I'll use the zip lock method here as well.

4. Filing: I am unusually behind in this department. This will be my largest task. I need more folders. I hate too keep buying file boxes. I think I'll rubber band and pack up old files in a plastic storage box and set up new ones. It's the loose papers that need to dealt with.

5. Kitchen: This is the worst stuff to pack because it is so breakable. I think this time since I'm moving such a short distance, I'll just take it in my car. Wine boxes with inserts in them are helpful too. I'll ask my local pub owner.

6. Garage: This is by far the worst area to pack. Ours is filled with our construction company's tools. I've decided to leave this to the guys!

Wow! I feel better already. Now that I have a plan, I can tackle one area at a time and then when it''s time to move, I'll be ready to go.

Wednesday, November 19, 2008

Minimalist's Thanksgiving


So with Thanksgiving right around the corner, what is a minimalist to do? There are a lot of things I do to make a nice dinner with minimal work, expense, and stress. I have already started.
1. First of all I checked with my guests to see about how many I'll have. I always cook more food than everyone can eat anyway because leftovers are great to have the next day.
2. I don't like my guests to bring food because then I have to warm it up, find something to serve it with, and find a spot for it on the table. When people ask what they can bring I always say beer or wine because we can always drink it later if there's too much. We also always invite friends with no where else to go. This year a few of our adult son's friends are coming. So that will really be fun.
3. I have already decided exactly what I'm going to cook and have purchased everything but fresh herbs and veggies already. I started a few weeks ago by adding a few items to my list each week. This is one of the best tips I can offer because you won't be part of the last minute shopping rush and you spread the expense out over the month so it's barely noticed. 
4. Prepare and freeze some of the meal. I made a double batch of homemade butternut squash soup last week and froze 1/2 for Thanksgiving. I am experimenting with freezing a few other dishes this week. 
5. I no longer cook an entire bird. Instead I roast turkey breasts and legs. They cook faster and it's easier to tell when they're done and they are easy to carve. They are less messy too. I just cook the stuffing on the stovetop.
6. I am setting up a buffet but am making sure there are plenty of places for people to sit where they can set their plates down. Buffets are great and save the hostess a lot of time and trouble. No more getting up and down from the table for this or that.
7. The day before set up all of the serving dishes, napkins, plates, and silverware on the buffet. Thaw out whatever is frozen and make ahead whatever you can. Then make sure your dishwasher is empty so you can clean while you cook the next day.
8. I like to have everything ready and warm in my oven and my kitchen clean when my guests arrive. 
9. Set up a drink station with a bucket of ice, beer, wine etc. This lets your guests help themselves keeps them from getting into the way in the kitchen.
10. To make clean up easier make sure you have freezer bags ready to put food away easily. Fill up the sink with hot soapy water so guests can just drop their plates and silverware in there.

I hope you all have a happy, stress free Thanksgiving!

Sunday, August 10, 2008

Feeling a bit broke? Start cleaning your house!

If the price of gas has got you down, here are some hidden resources you already have that you can tap into:

1. Get out the vacuum and vacuum your house from top to bottom. Get rid of the spider webs, vacuum our curtains, vacuum under the beds and the mattresses, under the couch cushions and inside your closets. Now open up all the doors and windows to air your house out. You have just improved your air quality greatly without spending a dine except for the electricity. You will undoubtedly find a lot of change along the way. Put that aside for now.

2. Take everything out of your closets and see what's in there. We have a way of not appreciating what we have. I know right now I have clothes in my closet that I bought without trying on but never returned for whatever reason that still have the tags on them! They are perfect for a consignment store. Whenever I go through my closet I always find clothes that I have forgotten about too.

3. Take out and dust all of your books. Are there any you don't really care about? If so, you can sell them back to a used book store or trade them for a new one. Now you have a book to read that didn't cost you a dime!

4. Take out and dust and alphabetize all of your DVDs and CDs. This really gets you in touch with what you have. You can resell these either on line or at a used record store. Or give them away to friends - hey free gifts!

5. Go through your kitchen cupboards and see what's in there. Wipe them all down. Check for expiration dates on cans. Challenge yourself to come up with dishes that you have everything for. Invite a friend to dinner and watch a DVD you haven't seen in awhile. hey- free entertainment!

6. Remove all non essential items from your bedroom, wash all the dirty clothes and sheets and bedding. Make up your bed as if it were in a luxury hotel. Pick some flowers from your garden and put them in a vase on the dresser. Now snuggle up in bed with your new book or favorite snuggler. You get the idea!

7. Here's the best part! go through all of your drawers, coat pockets, and anywhere else that change can be found. Add it to the change you found in step one. Take it to the bank and have them spin it for you. Now you have money in your pocket and are no longer broke!

Why do I have to do all that cleaning? Why can't I just look for change and stuff to sell? you may ask. We live in a time where we are practically ordered to consume more and more. We feel broke if we can't buy something new. It's all too easy to forget about what we already have. If your house is a mess, then you're not taking care of what you have already spent your hard earned money on. Dusting books and alphabetizing DVDs puts us in touch with the disorder that too many posessions cause. And lastly, creating a peaceful, serene environment is the best way to feel rich.

Wednesday, July 30, 2008

Reducing Plastic Bags: Why it's worth it!

Once again I feel I need to write about garbage. 

I am quite opposed to the use of plastic grocery bags. It looks like there will soon be  a charge for them here in Portland if our wonderful new mayor, Sam Adams has his way. I backed him on this before he was elected and perhaps now we will start living up to our green reputation!

Here's something that happened to me in a local supermarket just yesterday. I was in line and when the checker asked me if plastic was okay, I said, "Oh no, I have my own bag."
The woman in front of me turned as she was leaving and said, " Now I suppose the green police are going to get me."

Taken aback, I replied, " Oh, I just don't like them accumulating in my cupboards."

Ignoring me, she turned back to the checker and said, " No, I really mean it."

So here I am, trying to sell this woman on using her own bags, (which is in my nature,) instead of being insulted by her accusatory remark about me, a perfect stranger. Heaven forbid, she think I am the green police! 

So,  for any of my readers that are into minimalism, but not going green, here are some reasons why reducing your use of plastic bags is worth it.
1. They junk up our cupboards.
2. They can carry bacteria from whatever food, such as produce was in them.
3. They fill up your garbage can, costing you money.
4. They litter our highways (which is ugly), because they don't break down as fast as paper would.
5. They harm wild animals. You're in favor of animals right? Like the Animal Planet, right?

Here is one reason why the "Green Police" would like you to curtail your use of this vile product. It is a quote from Chrissie Hynde,
" It's ruining the Earth so knock it off, you're screwing it up for the rest of us!"

I hope you'll all check out two of my favorite anti-plastic sites by two great authors:



Sunday, June 22, 2008

How many cars do you have?

OK, how many cars do you have and what's in there? If you have any extra cars or an RV for that matter, that you don't drive that often, why? These are great things to either sell or donate and improve your financial picture. Even if they're just sitting in the driveway they're costing you space and perhaps, money to insure them.

Let's talk about that RV. They cost about 80 grand. Now, how many nights could a person spend in five star hotels for that amount of money (plus interest on the loan to buy it!) And I shutter to think about the cost of gas! They're not worthless though, because people can live in them. Does it ever make you sick to think about all those RVs sitting in people's driveways while millions of people are homeless in this country?

So, let's say you only have one car. What's in it? If it's full of junk, you're making your life harder. Did you know that the more stuff in your car, the worse gas millage you get? For example, my friend keeps six flats of bottled water in the back of his car so he can drink one every morning on his way to work because he knows he'll be dehydrated from the wine he drank the night before. Now, a flat of water weighs a bit so I asked him, " What if you just reused a water bottle every morning by filling it with our snow melted tap water? You'd save yourself the time, trouble, money, and garbage created by buying bottled water and probably get better gas mileage." What was his answer? "Shut up and drink your bottled water!" And if you've read my blog you know I hate bottled water!

Do you eat in your car? If you eat in your car you are breaking all of the dieting rules right off the bat, making yourself have to throw away fast food wrappers, and creating useless garbage. Hopefully, you don't support these establishments because they are ruining our farmlands, waterways, rain forests, and creating needless garbage. So let yourself have the pleasure of eating in a calm manner, not while driving.

Do you have a thousand CDs rattling around your car? I have another friend who crashed his car while changing a CD! An iPod hooked up to your car stereo is a great way to go or invest in a 5 CD changer so you can have variety. Driving to work is stressful enough without listing to the news or public radio. You'll just be angry by the time you get to work! Sit back, relax, play those songs that no one likes but you, and sing along!

Monday, June 9, 2008

Minimalist Travel: Vacation in Your Own Town

Here in Portland, Oregon the weather just isn't giving us a break. Grey Grey Grey! I got onto the internet and started trying to find out how far we'd have to travel to get out from under these clouds and endless drizzle and to my horror it seemed to go on forever! We could drive eight hours to Redding or fly somewhere. Then I checked out the price of flying and it was crazy! $500 to fly to LA? There had to be an alternative. So my sweetie and I spent the weekend playing around in our own town. We ate every meal out, heard live music, went to art museums, Saturday Market, shopped on NW 23rd, (the tourist section of town), took cabs, stayed out late and slept in late and did pretty much what we would have done in any city on vacation. No dishes, no work and you know what happened? On Sunday the sun actually came out! Today alas, it's gone again, but we had loads of fun anyway and didn't have to spend $1000 for two round trip tickets to the sun, and kept our carbon footprint small...."Oh you can pour my next glass of wine into this glass. It saves energy."

Thursday, May 22, 2008

The Minimalist's Desk

Even though I am a minimalist, I have a lot to keep track of. I keep books for my family's construction company and our real estate investment company. I also paint and play the guitar. All of these activities can cause a cluttered mess to occur really quickly. I have a real office but it has been taken over by my new art print hobby. So, I decided to make use of a rather cleaver space. Here it is:
Don't see it? No it's not the wicker box. That holds the all the remotes.
Here's my office! Yep it's all in here. Back left: Construction file box, Back right: sketch pads and watercolors, front left: office supplies and folders of bills to pay and items to file, front right: journal and guitar music. This has kept me really organized and keeps my living space uncluttered. I was lucky this came with my couch but, I don't see why someone couldn't convert an ottoman or coffee table or just use a trunk.

Tuesday, March 18, 2008

Minimalist Finances: Getting Rid of More Junk Mail


When looking at simplifying finances, it makes sense to eliminate as much junk mail as we can. Not only are we helping the environment, but it makes it less likely that we will miss something important. In addition to arranging for paperless billing one can opt out of many catalogs and credit card offers.

To stop unwanted catalogs go to the Catalog Choice site. It’s a free service. Simply sign up and choose the catalogs you don’t want to receive. What's great is that you can update it whenever you want. I update it whenever I receive a new catalog. I feel that I am actually doing the retailer a favor by saving them their advertising money, because after all, I’m not going to order anything anyway! If I do want to order something that would be in their catalogs, I just go on line.

Here is a great time saver! Opt out of credit card offers. These are a huge time waster because they have to be shredded. What’s worse if they are stolen from your mailbox it could result in identity theft. Opting out is free and easy and you can opt back in at any time. Just go to the Opt Out Prescreen web site. And if you’re worried about missing some great credit card offer that would be mailed only to you, don’t. You can always shop for the best credit card deals on the Lower My Bills site or check with your mortgage carrier or bank.

Saturday, March 15, 2008

Minimalist Finances and Junk Mail

Let’s face it managing money is a pain. I not only manage our family money but the money for our business as well. And the amount of paper that comes into our house is down right awful! It makes paying bills a cluttered event. The more stuff in our mailbox the more likely we are at risk of missing something important. Why does our government let random people send us stuff? Why is anyone allowed to send to “resident”? Well, we do have some recourse in this matter. I’ll share with you what I’ve been doing to reduce the amount of stuff that comes into my mailbox.

Step One: First of all, I went through my bills and found that our gas, electricity, and cable bills can be delivered via email. That change alone means that I don’t have to open the bill up, recycle the envelope it came in, the return envelope, the newsletter, etc. So at a minimum, that one action saves 72 envelopes a year plus 36 statements, and 36 newsletters. It also saves those companies money which could result in lower costs for the consumer. To manage these bills, I have created a simple email system. I set up two folders: bills, paid bills. These are the only bills I have been able to find that can be handled this way so far. I hope more will show up in the future.

Step Two: My bank lets me choose to have our statements delivered on line. So for us that means, line of credit, business bank account, personal bank account, IRAs, and credit card statements are all sent via email and don’t end up in my mailbox. That’s 5 x 12 = 60 less pieces of mail with their envelope, return envelope, statement, and newsletters. We’re talking 5 X 60 = 300 less pieces of paper that I have to handle per year.

These two steps save 444 pieces of paper a year that I don’t have to handle (i.e. open, shred, recycle.) What if everyone did that? How many trees wouldn’t have to be cut down just for the cost of doing business? And how much time do you think that saves? It’s hard to estimate it.

So as a minimalist, these two steps save time, space, ( in your mailbox) and our environment.