My employer declined to allow for a cost of living increase for 2019. My bill collectors, however, did not feel the same. Health insurance, Life insurance, Child’s activities, HOA, Internet, Car registration, and Car insurance all recently increased. Plus, sales tax in my area went up 1.5% starting in January. How does a family of five living on one income get by when bills go up as take-home pay does down?
Mental clutter can be caused by distractions, notifications, commitments, multi-tasking, negativity, or decisions. Here are some of the techniques to help reduce mental clutter and manage stress.
What’s the oldest item in your pantry? If I don’t clean out my kitchen regularly, things can be there for years. As part of the decluttering process, don’t forget about cleaning out your refrigerator, freezer, and pantry. Not only can this help make for a cleaner, less cluttered home, but you may also reduce food waste and save money on your grocery bill.
Clutter on the outside may be associated with clutter on the inside. Whether to reduce stress, save money, or help the environment, many people are starting to declutter their lives. Here are easy tips to get started or refreshed.
Somedays when I’m walking around and see other people, I notice what I believe to be a waste of money. I don’t mean this to be judgmental. Rather, I am curious about their choices and try to learn from them. Most of the purchases I see are ones that I myself have made a time or two, but have since found that, for me, they are wastes of money. Here are 20 choices people make everyday that waste money.
Whether it’s due to a government shutdown, natural disaster, or illness, many of us will go without pay at some time during our lives. If you were to stop receiving a check today, how long can you go without pay?
Read Time: 1 minute
Think how often we say “I’ll do it later.”
If there’s something that can be done in one minute or less, do it right away.
- Putting your clothes in the hamper
- Replying to a text or email (marking it as read and archiving or deleting it)
- Reading your mail then filing or tossing it
- Putting your dishes in the dishwasher
- Saying hello or asking someone about their day
- Paying your bills
- Making the bed
- Hugging your kids/spouse/parents before you leave
Tasks such as these might sound simple, but think how often we put them off for some unknown future.
Then we wonder why our inbox has 1,000 messages, there’s mail stacked on the counter, dishes are piled in the sink, and we feel stressed and overwhelmed and alone.
I practice to stop thinking in terms of being “too busy” for something or someone. We’re all busy. We all also have the same number of hours in the day. What separates us is how we choose to use them.
Name one thing that you can do in one minute or less. Do it now without delay.
If you want to take a peak into another’s monthly spending, this is the post for you! I was shocked to see that I blew my food budget over the past few months. See how my 2018 expenses compared to the previous two years.
In December 2018, I turned 40 years old. Each year I reevaluate my life and set personal and financial goals. As this is a milestone year for me, I am going out on a limb and sharing my successes and failures with the world. Here are the goals I had for 2018, and new goals for this year. What are your goals for 2019?