“I’m just a paper person!” Do you ever hear or say that when it comes to keeping a calendar, to-do list, or records? I know I have been saying that for years, always preferring to collect my life and thoughts on paper.
The reality is, if we dare open our mind and heart to try something new, there are numerous apps for our phone that will truly make our life so much easier. Yes it does take a small investment of will and time to learn them, but in the end — I promise it is worth it.
To start my own journey in breaking through my paper comfort zone, I investigated the benefits of using a calendar app on my phone, instead of using a paper calendar. Below is my comparison chart showing reasons it might be worth making the switch. If you already embrace the paperless possibilities in today’s world, this may be the perfect article to pass on to a not-yet-tech-savvy friend!
Now it’s up to you to try a calendar app for yourself and move past the paper person persona! Challenge yourself to try it for a week, starting today, and see how it can revolutionize your life!
No Need to Hold onto Things for the Next Generation
When I give workshops, I am asked over and over again about what should be saved for children; if you don’t have children, you may be saving these things for friends or other family members. Many parents seem to think their children want what they have, so they hold onto items for when these children will appreciate these things. Items range from baby clothes to games to books to schoolwork to china to sterling silver and include tons of paperwork.
I have a client, with whom I have been working, whose father saved every personal and business record. He had checks from 1949 to the day he died. He had his and his wife’s medical records from the 1960’s (both of whom are now deceased), 8 estates that he had settled, and business records back to the 1960’s (including his stationery and business cards – from long retired positions). While everything was very organized and labeled, sorting through it has been a tremendous burden on his daughter.
Two 4-drawer file cabinets, one 2-drawer file cabinet, 2 desks, book shelves, and chairs had been used to store this paperwork. We are shredding and recycling 98% of these records. My client wants to go through everything to make sure there is nothing of value hidden away. We have talked about why her father would have saved all of this and cannot come to any satisfying conclusion.
Not only is there paperwork, but there are also items from grandparents and other relatives. Again, my client is going through all of this to figure out what she wants to keep and what she wants to donate or sell. Since her brother does not live in the area, she has to go through all these things by herself and save some things for him to go through, including his own items.
If you are saving things for your children/friends/other family members, please ask them if they want anything. If they say no, then either sell, donate, recycle, shred, or trash the items. There is no reason for you to hang on to this stuff, unless you really want it. If it is packed away and not being used, and no one in your family wants the items, give them away now so someone else may really be able to appreciate them.
Also, keep on top of your paperwork — shred or recycle old records. Settling an estate can take a lot of time. You can significantly speed up the process by getting rid of paperwork and any unused or unwanted items now.
This type of activity will not be one of your more fun things to do, but it sure will save time and heartache in the future. The lesson my client learned from all of this is to purge and continue to get rid of those things now that she no longer needs or wants. What are you going to do now with your unwanted and unnecessary items and paperwork?
One of the most confusing parts of getting ready for tax time is knowing what documents you need to prepare your taxes. Basically, the documents break down into three categories: Income statements, deductions, and receipts.
The Challenge of Receipts
Receipts are the most challenging documents to store and organize. This is especially true if you are a small business owner. Receipts are your main protection if the IRS decides to audit and details are critical. It’s imperative to keep all receipts pertaining to business and a very good idea to get into the habit of making notes on entertainment and dining expense receipts.
Consider Scanning for Added Protection
Scanning your receipts can help solve two problems. First, if the IRS comes knocking, they won’t care that your receipts from four years ago have faded; so scanning receipts is a great way to give you that added layer of protection. Secondly, if you set up a system to scan as you go, then you won’t have to wonder where all your receipts are stored, and you won’t have to deal with that shoebox full of papers come tax time. There are many smartphone apps dedicated to receipt scanning that are easy to use and can save you hours of searching, sorting, and organizing papers during tax time.
Income Statements:
W-2 – wages and salary
W-2G – gambling winnings
Form 1099-R – retirement income
Form 1099-INT – interest
Form 1099-DIV – dividends
Form 1099-MISC – miscellaneous income, including self-employment
Form 1099-G – government payments
Form 1099-SA – MSA or HSA distributions
Form 1099-B – broker or barter exchanges
Form SSA-1099 – Social Security benefits
Form RRB-1099 – railroad retirement
Schedule K-1 – partnership income or loss
Deductions:
Form 1098 – mortgage interest
Form 1098-T – tuition
Form 1098-E – student loan interest
Receipts & Records:
Unreimbursed mileage related to work or volunteering
Charitable donations
Contributions to retirement plans
Healthcare expenses
Self-employment income and expenses, including any:
-Home-office expenses
-Health-insurance premiums paid
-Transportation costs
-Advertising fees
Rental property
Moving expenses, if you moved for a new job
Expenses for energy-efficient home improvements
Tuition or fees paid for education for you, spouse, or dependents
Retirement account rollovers
Child care and dependent care expenses, including the employer identification number (EIN) or SSN of the care provider
Additional Documents:
Your Social Security number (SSN) or taxpayer identification number (ITIN) and SSN’s or ITIN’s for spouse and dependents (if any)
Your birth date and birth date for spouse and dependents (if any)
A copy of last year’s return
Documents List Source: H&R Block
Here are five ways to freshen up your home for spring:
Bedding-blitz As you prepare to leave colder days behind, get ready to pull out lighter blankets and sheets. Refresh blankets that come out of storage by fluffing them in the dryer with a dryer sheet. Remove heavy blankets and flannels from beds to clean and store. This is also a good time to wash the mattress covers and give the mattresses a flip. Lighter, brighter spring-fresh bedding is sure to brighten everyone’s mood!
Counter-attack Throw open the kitchen and bathroom windows and take a look at your counters. The fresh air will help energize you while you remove all items and give the counters a good wipe-down. Throw out any trash or items you don’t need and put away anything that has wandered out of its appropriate home. Return to the counter only those things that you absolutely must have out or that make you happy.
Pantry purge During our winter hibernation we tend to stockpile supplies. Cupboards can become stuffed with soups, cocoas and comfort-snacks. As this happens, other food items get pushed out of sight. Set aside an hour on a nice spring morning to empty out a shelf or two at a time, wipe them down, discard outdated or unwanted food items and reorganize what’s left back onto the shelves.
Sew or go Do you keep a sewing or ironing pile? If you do, make sure that what is in your pile has not been there longer than 6 months. If it has, it is likely that it may not fit, will be out of style, or will no longer be something that you think would be worth the effort. Now’s the time to sew or go! Pick an evening and an interesting TV show and get the ironing and sewing done. If you’re not going to do it – let it go. It will only sit there and make you feel guilty if you don’t. And, no one wants to feel bad on a sunny day!
Shoe-review The warmer days of spring and summer will mean a change of shoe style. Take time to gather any and all of your shoes together. Separate cold-weather shoes from warm. Before storing shoes you won’t wear again until fall, try them on. If they don’t fit comfortably or you don’t like them, this is the time to donate or toss them. If any need cleaning or repair, get it done now, before storing. Next, look at their sunny day counterparts and go through the same process. If you find that your favorite sandals are broken or that those cute open toe shoes you bought last summer don’t really fit right, get rid of them. Take note of any shoes you may need to add to your shopping list for replacement to complete your wardrobe. Finally, make sure each member of your household has adequate shoe storage.
Happy Spring!
Whether you follow basketball or not, college ball is an exciting sport and March Madness is the be-all, end-all competition among collegiate teams. I am always inspired by the players’ drive, athleticism, and winning attitude. Borrow this enthusiasm and plan your own decluttering plays for a Spring-ready closet.
March Madness has become an annual springboard for me to declutter. I love the NCAA’s single-elimination process as a framework for purging my wardrobe.
The tournament always starts in March and concludes in April — as we warm up to Spring. I appreciate the build-up to the ultimate winner; each week there are winners (and losers). Borrow this approach and discover the winners and banish the losers in your closet.
• winners – clothes that are versatile, stylish, and flattering
• losers – anything stained, ill-fitting, or in need of repair
If you like following play-lists, here’s some quantifiable advice to help you keep score on your efforts:
• Trim 16 (Sweet Sixteen) bulky sweaters and jackets from your closet to make room for Spring styles. Scarves are typical accessories that you can rotate each season. Footwear is another category that deserves attention: pack up your heavy, weatherproof boots.
• Remove at least 8 items from your hanging space to create room for bolder colors and lighter-weight outfits. What you remove may end up in off-season storage, or may need to find a new home. Can you find an Elite Eight to donate, thrift, or E-bay?
• Final Four Here’s where the tournament makes its biggest splash and reminds me to focus on the basics. Make sure you have what you need to enter Spring, well dressed in the appropriate clothes that suit your life and lifestyle. This may mean creating a short shopping list for your foundation pieces, or a to-do list for the winners before they go on court.
• shine your shoes to clean and preserve their leather
• alter any investment pieces so you continue to enjoy them
• dry-clean items that you have enjoyed all season but are packing away until next year
The hardest lesson March Madness teaches is one-and-done. The Final Four teams play two games over three days to determine a national champion. Culling collections down to a single winner is unrealistic (I couldn’t survive with only one pair of black slacks!) Selecting winners — of a reasonable quantity — based on proven criteria is a good play.
Did you know that February, aside from being one month closer to Spring (hooray!), is “Pull Your Sofa off the Wall” month? This is the ideal time to shake things up a bit in your living room, especially since this is the time of year when people hibernate in their homes. This time of year is also known for the winter blues, no doubt in part from taking down cheery holiday lights and decorations.
So…what can you do? Aside from becoming a snowbird and heading to Florida, you can add some inexpensive and space saving items to brighten up your space, awaken your senses, and put a smile on your face. Take a look at my own living room to see how I have incorporated some of the following items:
Welcome Mat – For an instant mood booster, find a bright and cheery welcome mat to come home to after a long day at work. Look for inexpensive options at Target or Kohl’s. Also, consider lighting up the pathway to your welcome mat with solar lights that will soak up any sun that may have been out during the day.
Full Spectrum Light Bulbs – I wholeheartedly recommend sun lamps that are used to mimic the natural light from the sun, which is often in short supply in the winter. I have one next to my sofa that I use while I eat breakfast. Another inexpensive approach is to switch out the bulbs in your main reading lights for full spectrum bulbs, which can give off the same effect as sun lamps.
Mirrors – When the sun does appear, take note of where the sunlight streams onto the wall and if feasible, put a mirror there. Note the mirror art above my sofa, which is directly across from a window. This will reflect the sun and naturally make it seem like more sunlight is in the room. Plus, mirrors give off the feeling of a roomier space.
Candles – Find a signature scent that makes you feel calm and relaxed and light it every time you come to stay in the room for a while. Personally, I love the Cashmere Woods scent by Glade. It has a nice and light musky/woodsy smell, perfect for this time of year. Mine is centered in the room on my coffee table to let the scent spread evenly throughout the room.
Pillow Covers – Find decorative throw pillow covers to update and transform your atmosphere. I purposefully chose a neutral sofa and chair for that reason. Pillow covers are also much easier to store than several accent pillows from each season, and they can be freshened in the laundry. Try Bed, Bath and Beyond for a large selection and don’t forget your 20% off coupons! As you can see, I have chosen a turquoise theme; however, if I ever decide to change my accent color, it would be fairly easy.
Throw Blankets – Find throws that are comfy, soft and most importantly, will keep you warm on a cold winter’s night! When not in use, fold them up and place them on the back of your sofa.
Artwork – New prints on the wall along with a few knick knacks on your mantle will give your room a fresh perspective. Incorporate your accent color, as I have done here in turquoise.
I hope these ideas will give you something to think about while you are curled up on your sofa…and by the way, you don’t need to pull it off of the wall if you don’t want to.
Here’s to a warm, cozy and colorful season!