Tag: save money

Shop Your Own Stuff First

It’s fair to say, most of us have plenty of stuff.  Sometimes, more stuff than we need!  And sometimes, we have excessive amounts of things, but we STILL CAN’T FIND THEM!  ( So frustrating, I know.)

I taught two classes in Woodbridge this summer. A participant who attended both was chatting with me before the second class began.  She said that my advice to “shop your stuff first” had really resonated with her. She used the example of deviled ham:  Her husband had a taste for deviled ham, and asked her to pick some up at the store when she was out. She asked him if he had checked the cabinet first, and proceeded to find 4 cans of ham in the cabinet already. This is not a criticism, by any means, because many of us operate exactly that way! It happens!

Cleaning out a client’s linen closet last week, she kept exclaiming “Oh great, I was just going to have to go buy this or that” when we came across new items like cleaning supplies, unwrapped pillowcases and sheet sets, first aid supplies, light bulbs, etc.

I’ve been in homes with overcrowded bathroom storage and linen closets, with a dozen rolls of toilet paper in every storage space… except the bathroom that needed some!

The moral of this story (or this blog article, at least), is to Always Shop Your Own Stuff First.

Shopping Your Own Stuff First helps you:

  • Save money by not re-buying items, and by using up your stuff before it has a chance to expire;
  • Save time by reducing your errands and shopping; and
  • Cut down on clutter by avoiding excess stock piles of stuff

But to make the “Shop Your Own Stuff First” advice work, we need to set our homes up to succeed.

Determine what you have.

Explore all those places in your home where you stash purchased inventory.  Perhaps your closets, cabinets, laundry or utility rooms, your car’s trunk, the garage, etc.?

Establish a home (or homes)  for storing your inventory. 

We have chrome shelves in the laundry room where we keep our extra pantry supply inventory like paper towels, toilet paper, light bulbs and cleaning supplies.  As we use items, we restock from this inventory.

For the client and her linen closet I mentioned earlier, we established one shelf in her large closet, at eye level, for all her different types of inventory. Now she can tell at a glance what she has and what she needs to restock.

Always shop those storage areas first!

Working with a client last week, we were preparing for a party.  She had pulled out her stock of tea lights, other candles and candle sticks, and filled in as much as she could with what she had before purchasing more.

We have a cabinet with school supplies like new notebooks, folders, loose leaf paper, pens, etc.  Today before we headed to Office Max / Depot, the high-schooler first checked our supplies to determine what we already had and what we still needed.

Shop differently:

  • ALWAYS Shop Your Stuff First!
  • Always use a list.
  • Know yourself and your family.  Don’t buy what you won’t use.  An 18 pack of toilet paper that no one likes is not a deal, no matter how cheap it was.

Creating this one good habit, of Shopping Your Own Stuff First, can save you time and money and eliminate hassle and clutter in your home!

To:

Receive more ideas and suggestions like these;
Book time with me in person or virtually;
Arrange a presentation for your upcoming event; or
Discover the benefits of Organizational Coaching;

Please contact me.

Call / text 708.790.1940
Online at  http://peaceofmindpo.com
www.Facebook.com/MColleenKlimczakCPO
Via Twitter, @ColleenCPO

Let’s Talk Expiration Dates.

Let’s talk expiration dates.

A friend and I chatted at a recent rainy soccer game.   She had stayed up until 2 am the night before organizing her pantry.  Most of her time was spent checking expiration dates and tossing expired food.

We discussed how frustrating it is when we review our cabinets and pantry, and have to purge expired food.  It feels wasteful and lazy.

HOWEVER, getting down on ourselves about how we got to this point is neither useful nor productive.  It’s better to learn from the experience (see the process below), and change our behaviors from here (stick with the article until the end).

A few months ago, I wrote about National Clean Out Your Refrigerator Day (November, Click HERE).  So let’s declare this week Clean Out Your Food Cabinet Week, what do you say?

Here’s How:
  1. Grab a garbage can, a notebook and a couple of boxes or paper bags.  Take a deep breath and begin.
  2. Clear off a counter for work space, near your food cabinets.
  3.  Choose a cabinet. JUST ONE.  Starting at the top, take everything out and put it on the counter. Then wipe down the shelf.
  4. Now, check every item. Yes, EVERY ITEM.  Even the stuff you bought recently.  It could be the newest, but still out of date. I was surprised to find my recently purchased canned beets were already expired.
  5. If the item is past its’ expiration date, toss it.  I understand, that is the hard part.  Yes, I know, it’s wasteful.  And yes, I know, you spent good money on that.  HOWEVER, the potential for food poisoning is much more important than a $3 can of tuna.
  6. If the item is open, but not past the expiration date, still check it for freshness.  Foods like breakfast cereal or crackers get stale if open too long in the cabinet.
  7. If the item is not expired, but you don’t think you will use it, label one of those boxes or bags as “donate to food pantry”, or “send to preschool”, or “give to friend/family” and start a pile of items to leave your kitchen to go and grace someone else’s.
  8. Review everything, then place the keep items back in the cabinet.
  9. If you have time to tackle another cabinet – JUST ONE – go ahead.  But DO NOT take apart more than on at a time!  Otherwise….
  10. Take out the trash, and drop off the donations / items to share. Pat yourself on the back for a job well done.  Repeat.
Once you’ve cleaned out the cabinet and pantry, it’s time to consume differently.
  • Use a list.  Post it on the refrigerator, and add items as you run out of them.
  • If you have to shop, buy only what you need for this week.
  • Stock your food like a store.  Pull the oldest items to the front, and add new inventory to the back.
  • Take advantage of sale items and stock up, but make sure to add those surplus items to your menu plan so that you use them up.
  • Plan to do this a couple times a year!
To:

Receive more ideas and suggestions like these;
Book time with me in person or virtually;
Arrange a presentation for your upcoming event; or
Discover the benefits of Organizational Coaching;

Please contact me.

Call / text 708.790.1940
Online at  http://peaceofmindpo.com
www.Facebook.com/MColleenKlimczakCPO
Via Twitter, @ColleenCPO

My Client Asked Me If I Was Falling Apart

In conversation with a client last week as we organized, I mentioned that I was having my wedding ring, my favorite leather backpack and a loved black jacket all repaired at local businesses.

She asked, with humor, “Does this mean you are falling apart?!”

Not the response I expected!  I explained that all of those steps are actually a coming together, a positive process, and we then chatted about the importance of maintenance and being a responsible consumer.

For me, a big part of Being Organized means establishing and maintaining systems and items that work for you. Every system and item requires maintenance. And maintenance requires resources, of time, money and energy.

Last week, I

  • Picked up my favorite black jacket with a repaired liner from Park Cleaners in Evergreen Park;
  • Picked up my leather backpack from the local shoe repair shop, Fernandos, in Evergreen Park, and it looks new!  I knew the other customers that day, too, all dropping off cold weather shoes and boots for repair before winter sets in;
  • Picked up my wedding ring from Coren Jewelers in Evergreen Park, with the prongs tightened and looking sooo shiny; and
  • Shipped off Tumi suitcases for repair for a client.  Expensive bags, yes, but their maintenance and repair policies are amazing.

Taking care of our favorites helps us out in a number of ways:

  • Save money:  Buying high quality items once and maintaining them is cheaper than buying and rebuying many cheap items.  And identifying and taking care of Favorites keeps us from buying more stuff and making more clutter.
  • Save Space: A small collection of favorites takes up a lot less space than a large collection of un-used and un-loved items.
  • Save Time:  with less clutter to have to sort through, you will find what you’re looking for quickly.  And you’ll spend less time, overall, maintaining “stuff”.
  • Clear Clutter:  Clear spaces with just your favorite items in view gives our minds and eyes a break!

Suggestions – Here’s How!

  • Know What You Have.
  • Know what your favorites are (You may be thinking “But, Coll: they’re all my favorites!”  No, not everything is a favorite, you are not a toddler.).
  • Know how to take care of your favorites, and what the product warranty entails.  And when in doubt about how to, say, clean a crystal vase (a client question a couple of weeeks ago), Google it  (denture tablets, by the way)!
  • Use your favorites!  There is nothing sadder than cabinets and boxes of beautiful and treasured items that never see the light of day!
  • Buy things once, then spend time and money and energy taking care of them. Less is more.
  • Research major purchases for value.  Be willing to invest a little more $$ for higher quality stuff.
  • When making major purchases, make sure to register the item with the manufacturer, to activate the warranty, but also to receive recall information, promotional specials, etc.
  • Support Local (keep the green in evergreen!) Look for local repair opportunities, and if you are unsure what local business to use, ask your friends / family / neighbors for a referral.

Maintain your favorites.  Take care of them, and they will stay your favorites for a long time!

To:

Receive more ideas and suggestions like these;
Book time with me in person or virtually;
Arrange a presentation for your upcoming event; or
Discover the benefits of Organizational Coaching;

Please contact me.

Call / text 708.790.1940
Online at  http://peaceofmindpo.com
www.Facebook.com/MColleenKlimczakCPO
Via Twitter, @ColleenCPO

Experimenting with a Spending Diet – Who’s With Me?

I’m tired of spending money.

We’re enjoying Summer, and just got home from a lovely long weekend away.  But travel brings expenses: gas, car snacks, hotel room, restaurant, a few souvenirs. Money just flies out of my wallet – poof!

I read an article about a mom who instituted a Spending Fast.  The deal was, the family bought nothing for a prescribed amount of time, to use up their inventory and save money.  They paid regular monthly bills like utilities, cable and mortgage, but nothing else.

It’s certainly time to slow down our spending.  Yet, we can’t stop spending altogether.  We have high school textbooks to order, and a few other small but necessary expenses.  And with August (the month I refer to as the “Month of Writing Checks”) comes back-to-school expenses like registration, supplies and clothes.

So, I am trying a Spending Diet.

And why do we diet? With food, we decrease overall consumption.  We want to feel healthier. lighter and better overall; and we want to regain control over an area of our lives where we feel a little out of control. So, we will go on a Spending Diet for the next few weeks, for the same reasons!

It may seem counter-intuitive, but I started my spending diet by handing out money.  I paid allowances, and set aside $40 that my business owes a friend.  I can now see more clearly what I need for the next few weeks.

A glance at our checkbook indicates that most of our non-monthly bill expenses are on food, either groceries or at restaurants.  Sooooo…..

  • I planned our menu for the next two weeks incorporating food we already have. Our grocery expenses will be for perishables only, like produce and milk, and I’ll pay for these groceries with already purchased gift cards.
  • I skipped my bi-weekly Target trip for toiletries and household items, and will get creative with what we have in the linen closet (saving approx $100).
  • I also moved my Coscto trip to two weeks from now, skipping this week (saving approx $200).
  • We got take-out for dinner (we do this occasionally on the weekend), but we chose the restaurant based on gift certificates and coupons we had on hand. Dinner plus a few days of leftovers cost less than $6.
  • We celebrated National Ice Cream Month on Sunday, on the last leg of our vacation, but we used gift cards to pay for our treats. Total out of pocket was $7.
  • I collected and reviewed all the other gift cards we have, to determine what we can use over the next few weeks (side note, we purchase gift cards through a tuition reimbursement program at our sons’ high school.)
  • And finally, I packed my lunch for work, and will continue to do so for the next two weeks. It is so easy to fall into the bad habit of grabbing fast food between clients, and I can spend $10 a day on such a habit.
  • There is nothing else that we NEED right now.  My husband and I visited my favorite little boutique in the resort town we went to over the weekend.  Everything there was lovely, but I did not touch a thing.  We have all we need, and most everything we want.  And just a guess, you probably do, too.
  • With more planning, we could cut spending even more, by cutting reducing our monthly bill expenses and eliminating eating out altogether, but we’ll see how we do with these changes to start.

So, how can you pare down your spending this week?

Let Me Introduce You To My Hall Closet (aka Linen Closet)

An appealing aspect of class participants coming to my home is the opportunity to look around for organizing ideas. Even my cleaning people mentioned last week that they pick up ideas at my house!  I created a house walking tour for the classes I host here.

I spent time in two different linen closets last week (I really do have the coolest job), so I’d like to share the tour with you, starting with the Linen Closet (aka the Hall closet).

First of all, I don’t call our linen closet a linen closet.  I call it the hall closet, because there are no linens and only a few towels in it.  We keep our bed linens in our bedrooms, where we use them.  There are only 2 extra sets of towels in the closet, because really, how many extra sets would we possibly need?  The kids’ towels are on hooks on their bedrooms, I use the ones in the bathroom, and there are 2 extra sets in the downstairs bathroom, in addition to those my hubby uses daily.  I do laundry regularly, so we don’t need to keep more than an extra set or two.  Paring down the towels certainly cuts the closet clutter!

I have one set of cleaning supplies for most of the house.  There is extra dish and Imagedishwasher detergent under the kitchen sink, but almost everything else is corralled in the hall closet into a portable caddy and a clear oblong bucket.  The caddy contains my regular cleaning supplies, and I carry it from room to room with me when I clean.  The bucket holds special items like leather and carpet cleaner, and the bottles of concentrates that I purchase then mix with water to make my own supplies (love my Melaleuca!!).

Moving down the shelves, we come to our hygiene and wellness shelf.  I have two Imagesquare baskets side by side that hold the bottles and supplies that usually roll around linen closets, getting lost or in the way.  One basket holds our toiletry inventory.  I take advantage of sales for our toiletries, buying multi packs of body wash, deodorant, bar soap, toothpaste, chapsticks, etc.  When someone runs out of an item, they check the basket to see what we have in stock.

The other basket holds our medicine and first aid supplies.  It’s safer to store medicine in the hallway and not in the hot steamy bathroom, and we don’t use them often, anyway.  And when my kids were younger, the medicine basket was on a much higher and safer shelf.  When someone is feeling poorly, with a cold for example, the cough medicine, throat drops and vapo-rub are all together in one location.

The very top shelf holds items rarely used, like heating pads or beach towels.  I move the beach towels down to a lower shelf for the summer.  And the bottom shelf holds Imagepaper towel, toilet paper, tissue and paper cup inventory.  There is more TP in a drawer in the bathroom, but we have more storage room for large packages out in the hall closet.  No once can ever say they can’t find a box of tissues or extra paper towels.

And finally, on the floor is the communal laundry basket, so no one can ever say they couldn’t put their stuff in the laundry basket, either!!!

One area of untapped closet storage space is the door.   If you find you need more storage, you could use an over-the-door shoe rack and stash toiletries or first aid items in the pockets.  I have also seen long table linens hung on over-the-door towel racks for wrinkle-free storage.

So, if we were touring your linen closet, which type of item causes the most clutter?  Towels?  Cleaning supplies, paper goods, bottles of shampoo, band-aids?  You decide, and try one of the tips above to eliminate the clutter and make the most of your linen closet!

Monetary Motivation: The Price of Procrastination

Do you like money?  I do, I will admit.  I don’t love it, but it certainly makes life easier.  What I don’t like is wasting money.  And I bet you don’t either.  And yet we regularly and purposefully defeat our own plans and end up wasting money.  How? Procrastination.

A few weeks ago, I gave you the definition of Procrastination: “To indefinitely postpone or avoid performing a task out of anxiety, rather than time constraints or logic.  Unfocused wandering, killing time.”(Julie Morgenstern, Never Check Your Email in the Morning).

     Motivation for procrastination and also for action differ from person to person.  Just look at your family or co-workers.  Regardless of your motivation for procrastinating, recognize and use monetary motivation this week for action, if that helps, to break through procrastination and save or make some money!

Actual Costs of Procrastination:

  • Penalties charged for late filing or payment of your taxes this week
  • ATM fees when you have to use the closest ATM instead of planning ahead and using your bank ATM
  • Late fees from the library (my 7 year old’s contribution) or the RedBox (!)
  • Credit card interest fees for incomplete or late payment
  • Late fees when you don’t pay your bills on time.  A client said our time working together paid for itself the first month she paid all her bills on time!
  • Paying higher rates for airline tickets, and expedited passport fees
  • Paying for costly repairs instead of maintaining what you own, like your car, or paying for car rental during repair time
  • Expedited shipping, postage or delivery fees when we procrastinate in shopping
  • Paying for overnight shipping or delivery when we are sending items and are now too close to the deadline to use regular shipping methods. 
  • Are you seeing dollar signs in your head yet?  Are you motivated to act?  What about the….

Indirect Costs of Procrastination, or losing out on money-saving opportunities: 

  • Not receiving interest on your money, if you don’t file taxes early
  • Not receiving reimbursement payments until long after your money is spent, or not at all
  • Not cashing or requesting checks:  A client needed to request a duplicate check for an insurance payment (the first one was damaged), and waited too long, the insurance company said No. 
  • Not taking advantage of sales and discounts, or savings like early bird registrations
  • Voiding warranties on big-ticket items like your car by delaying maintenance
  • I own my own business, so if I procrastinate, I can lose clients or money from lost sales.
  • And don’t forget about the….

Intangible Costs of Procrastination:

  • Increased stress
  • Loss of credibility or sympathy:  a friend is a college professor.  Imagine two students come to her in one week asking for an extension on a project.  One always misses classes, turns in late assignments or misses them all together, and one shows up to class and usually turns stuff in on time.  Who is more likely to get the extension?
  • If you have certification or professional papers to submit, what about being lumped all together with the others, or even tagged as a procrastinator?  Ouch.

My goal in blogging is to educate and motivate.  My challenge to you this week is to re-read the above list, and determine if there is a task or two you are avoiding for no good reason – and “I don’t want to” or “I don’t feel like it” are NOT good reasons.  Once you identify the task, be the adult and get the task done. Or at least started, if it is a multi-step task.  A great weight will lift from your shoulders, trust me, and maybe next time you start to procrastinate, the dollar signs will flash in your head and you’ll get the job done instead!