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Family Budget – How to Create One

For singles, creating a budget is relatively easy. They tend to have a good handle on how much money they have coming in, and when tracking expenses, they only have their own to think about. But creating a family budget is a whole new ball game.

Most families have multiple sources of income. And when there are multiple spenders, that makes things much more confusing. This is one of the main reasons that families lack a formal budget. But having a budget and sticking to it can greatly improve a family’s financial outlook.

Making a family budget may be tricky, but it can be done. Here’s how.

  • Take inventory of all income. If a certain source of income fluctuates from month to month, use the lowest amount or average it out.
  • Keep track of all expenses for a month or so. Keep all of your receipts, and ask all family members to turn theirs in to you each day.
  • Add up your monthly expenses. Be sure to include bills, debt payments, groceries, and everyday expenses such as lunch money and transportation costs.
  • Get the family together and discuss ways you can trim the budget. Getting input from other family members will help you determine which expenses are necessary and which ones could be cut down or eliminated. Maybe you or your spouse could start taking lunch to work instead of eating out, or maybe the kids can drop an extracurricular activity.
  • In addition to individual expenses, discuss how you can cut down on the electric bill, groceries and other necessary family expenses. Consider such things as carpooling or taking public transportation, buying more generic foods and adjusting the thermostat.
  • Estimate how much you can save on regular expenses, and cut the completely unnecessary items out of the budget. Then refigure it and see where you stand.
  • If you end up with a surplus, allocate a portion of it to savings. If you’re in the red, go back and rework the budget until you have more income than expenses.

Be Realistic!

One reason that family budgets often fail is because they’re just not realistic. It’s great to cut down on expenses, but sometimes we tend to go too far. For example, cutting entertainment out of the budget completely might look good on paper, but we all need a little diversion every now and then.

Instead of cutting such things out of the budget completely, consider finding ways to lower the cost. Going back to the entertainment example, maybe you’ve been going to dinner and a movie as a family twice a month. But eating in and renting a new release would be much cheaper, and you would still get to spend quality time together.

Individual expenses can also be tricky. This can be resolved by allocating a certain amount for each family member to spend each week. If someone spends his entire amount before the week is up, reevaluate his expenses and adjust if necessary.

Creating a family budget can help keep spending under control, leaving more money to pay down debts and save for future goals. But in order to succeed, close monitoring is essential. Your efforts will be rewarded, however, with less financial stress and more money in the long run.

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Home Organization Made Easy With These Tips

Home Organization Tips Made Easy

It seems like everyone can use a little help getting organized. Whether you work from home, juggle career and family, share co-parenting responsibilities, or just want to make time for loftier aspirations than cleaning toilets… we’re all looking to simplify and streamline our lives so there’s more room for the things we enjoy doing most.

Below you’ll find some great tips for keeping your home tidier and more organized.

Stock supplies in strategic locations:

You know that you need specific cleaning products and tools in order to keep your home in dirt and dust-free, sanitary condition. These many include a broom and dustpan, upright vacuum, hand-held vacuum, bucket, mop, cleaning rags, paper towels, scrub brushes, toilet brush, glass cleaner, abrasive cleanser, floor cleaning mix, spray bottle with surface cleaner, and so forth. The trick to keeping a cleaner home is to buy dupes of your most frequently used cleaning products or homemade mixes, and store them near the areas where you tend to use them most.

For example, if you typically clean the upstairs bathrooms as well as the kitchen using an abrasive cleaner, then buy two cans – one for each floor of your home. Store one under  a bathroom sink upstairs, and another under the kitchen sink downstairs. Also keep two bottles of glass cleaner in both locations. If you have a basement laundry area and/or slop sink, you’ll need stored cleansers in this location as well. Along with your cleaning products, be sure to also stock necessary supplies such as a sponge or bunch of cleaning rags, so that you can make a quick task of wiping up when necessary.

Lose the perfectionist attitude:

Did you know that perfectionism is actually counter-intuitive? When we set our aspirations too high, we end up overwhelmed and accomplish even less than if we had set a smaller, more attainable goal. Let’s use the task of straightening up before a guest is expected to stop by, as an example.

A friend is coming over, and you haven’t cleaned the house in about 5 days. You want your friend to feel relaxed and comfortable, in clean and organized surroundings. Instead of trying to do a whirlwind deep-cleaning marathon, it makes more sense to just tackle the easy jobs that you can do quickly but will still make a difference.

Vacuum ONLY the living room carpet and kitchen floor, because that’s where you’ll be spending most of your time with said friend. Wash dishes and throw out stinky kitchen garbage. Wipe up table surfaces. Run to the bathroom, pull out your easily accessible cleaning supplies, and do a quick squirt and wipe of the sink and mirror. While in the bathroom, replenish liquid soap, stock TP, change out the dirty hand towel. Swish the bowl. You’re done in 30 minutes!

Go by task:

Instead of cleaning one room at a time, tackle cleaning one task at a time. Your tasks can be broken down into wet cleaning and dry cleaning, sub-divided as necessary. You generally need to dry-clean first, to get rid of dust, crumbs and dirt, before you can sanitize. If you’re strapped for time, vacuuming is more important than dusting. So that’s one task for the entire house. Grab the vacuum. But wait! Before you vacuum, you must make sure there are no obstacles in the way of your cleaning path.

Pick up in-the-way items and stash in their proper locations or temporarily store on table tops. Inspect the floor for dropped change and small objects; stuff into your pocket or find a makeshift receptacle for odds and ends. Grab your vacuum and go from room to room, first on one floor, then up or down the stairs, then the next floor. Don’t get sidetracked by things you discover along the way. Just vacuum.

When you’re done with all levels of your home, put the vacuum away. Now, you can either begin whatever wet chores you were planning; or, if your schedule is putting demands on you, you can put your cleaning project on pause and come back to it later. Now, one feature of the entire home is clean – the carpets and floors no longer have dirt crumbs and dust. As a final step, return all the temporarily moved items to their proper locations. Now you’re officially done with vacuuming. It’s a good time to take a technology break, or fulfill whatever obligation is on your calendar.

Dry chores first:

The best time to wipe down and sanitize the surfaces of your home, such as counter tops, table tops, cabinets, sinks and floors, is after you’ve vacuumed and/or dusted. In the busy life of a modern-day person, this is not always possible. So if you happen to be doing your chores in reverse, don’t sweat it.

Again, instead of cleaning one room at a time, aim for one chore at a time. Floor-washing for the entire house can be a single task. There’s no way around the fact that they should be swept or vacuumed first. Once you remove surface crumbs, dust and dirt, fill up your wash bucket with your favorite floor cleaner, and mop or Swiffer if you use one, or get a floor cleaning rag if you’re a hands-and-knees person.

After you finish washing the floor of your kitchen and other downstairs areas, move onto the bathroom. It should be noted that if you have a tile or linoleum floor in some rooms of the house, and hardwood floors in others, these tasks must be handled differently and therefore should be considered separate jobs. A wood floor in your hallway may not need to be washed as frequently as linoleum floor in your kitchen. So if right now you’re cleaning tiles and linoleum, just keep focused on this task, and bring your wash bucket and scrubbing rags, brushes and/or mop around with you to clean the kitchen floor and then the bathrooms. You do the bathrooms last because that’s the dirtiest room in the house. When you’re done, put all used rags in their designated “dirty laundry” spot, to be washed and sanitized before using again.

By now you should be getting the idea that your home will look cleaner if you break it down by urgency of the matter at hand, and by chore, rather than by room. Look at it this way. You could spend all day perfecting the living room – sorting through old magazines, meticulously dusting every picture frame and knick knack on your mantelpiece, shining the furniture, scrubbing the baseboards, mopping the corners of the ceiling, wiping down window sills, steaming the drapes, and vacuuming – all in that one room. But when you’re done, you’ll have an immaculate living room but every other room of the house will remain a wreck. So, use common sense when you’re deciding what to clean, and when, according to how much time you have and which rooms will be in immediate use thereafter.

Storage bins are your friend:

Another aspect of keeping a home clean involves managing all the “stuff” that accumulates. Think of the sinking feeling you get after every Christmas, and the explosion of holiday gifts from well-meaning family and friends. What will you do with all of this extra clutter? It helps a lot to embrace that age-old cliche, “a place for everything, and everything in its place.”

Take the first step in organizing the stuff and things that take up valuable space in your home, and clutter your mind with their distracting presence. Go out and buy a bunch of storage bins. If you aren’t sure how many or what sizes you’ll need, start by writing a quick list. Think of all the categories of items that you own in your home. Depending on what time of year it is, a certain number of these items will either be in active use, or packed away for a different season. Some sample categories for storing things in bins: picture frames and knick knacks. Blankets. Outdoor sports equipment. Linens and towels. Christmas and holiday decor. Garden supplies. Old toys. Beach items. Pet supplies. Rarely used kitchen appliances.

Don’t forget to label your bins. Blank labels or masking tape will do for this purpose. Make sure that you keep your labels and markers in close proximity to your bins so you don’t have to go searching. Any time you have to hunt around for supplies, you lessen your chance of completing the organizational task that you set out to accomplish.

Out of sight, out of mind:

 Your storage bins should not be in sight. The idea is things are in storage, so hide them away for greater peace of mind. You can clear a spot in your basement, attic, garage, guest room, or wherever you prefer to contain your clutter into an “out of sight, out of mind” area. It’s okay for all your stuff to not be on display, and may in fact be better for your mental health not to look at it. Another good reason for storing plastic bins away from you and your family is the possibility of breathing in toxic fumes as the plastic off-gasses. We don’t know what lots of cheap plastic will do to our bodies. So, put it away.

Get rid of whatever you don’t use:

The best part of sorting and categorizing items in your home is that it forces you to be realistic about what you use versus what you just think you use. As part of your organization agenda, you should be eliminating all superfluous items. For example, let’s say you have a box of maternity clothes, but you are of the age where it’s very unlikely that you’ll ever be pregnant again. You might be tempted to keep the box around for “just in case.” But in all honesty, if you get pregnant by some slim chance there will probably be scores of family and friends ready to hand you everything you require. So, now is your chance to help out a sister in need, and put those gently used maternity outfits in their own bin, then drive them over to the nearest Salvation Army.

These are just a few great tips for keeping a cleaner and more organized home. 

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How to Make Journaling Part of Your Day

The way to ensure that journaling works for you is to do it long term. Long-term journaling gives you more insight into your life because you’ll be able to look to the past, present, and even the future (sort of) to get answers in your life. But first, you have to do it. And you need to do it daily to make it a habit. Let’s review a few tips for making journaling part of your daily routine.

Make It Easy – Don’t make it a huge deal, and it’ll be simpler to get done. For example, it’s easier to use a notebook and paper than a computer for most people. You can have the book in your bag or on your bedside table or wherever you plan to write in it.

Choose a Time That Works – The best times to do it are early morning, first thing, or the last thing before you go to bed. However, that might not work for some people. If you know a better time, do it. For example, some people like journaling while on lunch at work in the park. It’s up to you.

Get a Drink and Eat a Snack – You don’t want to have any excuses or extraneous thoughts while you’re writing in your journal. Make sure you’re fed and hydrated.

Create a Comfortable and Cozy Space – It’s easier to get into your thoughts if you’re comfortable and not thinking about how bad your tailbone hurts or your wrist hurts. Some people like using a desk, some a comfy easy chair, others their bed.

Combine It with Something Else You Enjoy Doing – If you enjoy cleaning the house, then reading in your clean house with the windows open and the breeze flowing in, why not journal at that moment? If it’s a daily thing, add journaling to it, and it’ll create a habit fast.

Add Some Relaxing Music to Set the Mood – Now it’s true that some people prefer silence, so that’s fine if you do. But consider trying some music that doesn’t have words and that is relaxing, to help you gather your thoughts and say calm and focused.

Use a Particular Type of Journal – For some people, using a style of journaling like bullet journaling, prayer journaling, project journaling, and more, works better since it defines some rules for entry.

Consider Using Journaling Prompts – You can also find journaling prompts online for any type of journal you want to use.

Reward Yourself – When you have been diligent for a month writing in your journal, take some time to read what you wrote, then reward yourself for doing it. You might buy some colored pens or some scrapbooking materials so you can add some definition and interest to your journal.

To truly experience the full benefits of journaling, it needs to be done most days, which is why you need to find a way to incorporate journaling into your everyday life. The best way to accomplish this is to make it easy and turn it into a habit.

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How to Get the Most out of Journaling

Any type of journal that you keep can be beneficial. It doesn’t matter if it’s just to document your life or to work through problems – you can use a journal to do it all. From tracking your projects to documenting vacation to overcoming anxiety, a journal will work for you if you pick the right type and make journaling a ritual.

  • Find the Right Medium for You – For some people, that’s pen and paper. Many experts claim that’s the best way because of its simplicity. However, you have to do what works for you, and what works for you is what you will do daily. If you make it too hard, you won’t do it.
  • Turn Journaling Daily into a Habit – To be most effective, journaling has to go on for a long time. It’s a long-term strategy to improve your life and not something that is going to have any effect overnight. For this reason, ritualize your journaling so that it becomes a daily habit.
  • Set Up a Comfy Journaling Spot – Find a good space you can journal in each day, one which is relaxing and without stress. Some people like to keep their journal by their bedside so that each night when they get into bed, they can quickly write in their journals.
  • Choose the Right Style of Journal for Your Needs – The type of journal you want to keep depends on how you plan to use it. You may want to track a project, in which case you’ll need a project journal. If you want to simply document your life, you’d want a classic journal.
  • Use Your Journal to Work Through Life and Reach Goals – Don’t just write in the journal; actively seek to improve something in your life – whether it’s the thoughts which drive your feelings or improving your actions so that you experience more success.
  • Consider Using More Than Writing to Document Your Life – You don’t need to just use text. You can use images, pictures, tickets, and other memories inside your journal too. Sometimes a few pictures and mementos mean more than anything you can write to help you remember.
  • Read and Reflect Occasionally – Take at least a few minutes to re-read parts of your journal. Once you’ve kept it for a year, it’s fun to go back and read the same day from last year to find out what’s different now and what’s the same and why.
  • Keep Your Journal Secure – You don’t want to worry about anyone getting into your private business when you’re not around, so keep it hidden. If it’s on your computer, keep it password protected.

If you know why you want to journal, it’ll be easier to figure out which type of journal you need to keep to make your journaling more effective. Sometimes you just want to document your life, while other times you want to work through something difficult. It really depends on your goals and the point of the journal.