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Working on the big question, are you organized or not?

Becoming organized is an ongoing process and it is so easy to slip up and slide back into your old ways. Even when you know the key to a better outcome is organization and to finish one thing completely before starting another. As a multi-tasker it is difficult to change, maintain and support organization day in and day out.

We all know, or have heard about practice makes perfect, so maybe none of us has practiced enough to get the concept down in our heads or brains. Getting the bed made right away in the morning, even if no one is going to see it. Keeping the kitchen clean are two things that I am better organized at, but not much more. So my plan is to try, try again and hope I will make some progress.

You are welcome to join me in this organization thing. My plan is to focus on the paper side of things as that is what always seems to get out of hand. Here are some thoughts that have been running through my mind that might help you and me also.

  1. Going to the grocery store with a list. I am getting famous for forgetting the list, and the coupons. Went to the store for milk!! Got many other things, but no milk. LIST! COUPONS!
  2. Selecting a certain day or time to see that all bills are paid timely, automatically. Set up donations online, so that we can give when possible .
  3. Going through junk mail as soon as it comes !. Be careful that you do not throw out something important, like information from a physician’s office or some paper that has to filled out before you can get a procedure done.
  4. Try to really work harder on menu planning. It is such a pain.
  5. Work on getting my office to it’s organized look.

This blog contains affiliated links. As an Amazon Associate, I earn from qualifying purchases. If you click on any one of my links and make a purchase, I will receive a commission at no extra cost to you.

DISCLOSURE

This blog is a personal informational blog. It contains my opinions, does not reflect the opinion of any organization I am affiliated with. This blog does not contain professional advice, only suggestions, informational ideas and tips. If a readers relies on anything in this blog it is at their own risk. This blog may contain mistakes and errors. I reserve the right to change this blog and change my focus or content at any time.

Information found on this site related to Young Living Essential Oils , is meant for educational and informational purposes only. Not meant to cure, prevent or treat any disease.  Statements on this website have not been evaluated by dash/vo/#the Food and Drug Administration.  If you are pregnant, nursing, taking medication, or have a medical condition, consult your physician before using these products.
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Sense of Rushing?

This blog contain affiliated links. As an Amazon Associate I earn from qualifying purchases. If you click on any one of my links and make a purchase, I will receive a commission at no extra cost to you.

The above affiliate statement applies to any affiliate.

Does anyone else feel like there is a sense of rushing, rushing in the world, even in the blogging world? Everyone is pushing themselves to develop new ideas, designs, blogs, lists , calendars, to keep us all on our toes . I applaud those of you who are fantastic in these areas and hit the right buttons at the right time. No one can say there isn’t enough information out there to learn everything possible. The good, the not so good and the wonderful.

No one can say that bloggers are uncaring, don’t understand what you are going through, never had to work as hard as you do, never had to work a full time job, never had financial troubles , never had their feelings hurt, never had their writing criticized . The reason you can’t say they (bloggers) are uncaring is because it isn’t true and you know it, especially if you have researched any of your favorite, fantastic, fabulous, friendly, famous bloggers.

Right now stop that feeling of rushing, relax and take a step back.

Ask yourself just exactly you are trying to accomplish for yourself and your family:

Begin all over again with the organization thing.

Take one thing at a time, limit buying courses until you see what you have and what you really need?

Have you purchased anything related to organization, stress relief, taking things slowly while you reflect on what you are trying to do?

Hope this blog has helped you some and that you might find some benefit in following me.

DISCLOSURE

This blog is a personal informational blog. It contains my opinions, does not reflect the opinion of any organization, I am affiliated with . This blog does not contain professional advice, only suggestions, informational ideas and tips. If a reader relies on anything in this blog it is at their own risk.

This blog may contain errors and mistakes. I reserve the right to change the blog and change my focus or content at any time.

Information found on this site related to Young Living Essential Oils, is meant for educational and informational purposes only. It is not meant to cure, prevent or treat any disease. Statements on this website have not been evaluated by the Food & Drug Administration. If you are pregnant, nursing, taking medication or have a medical condition, consult your physician before using these products.

https:/wwwyoungliving.com

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Budgeting and moving forward toward a more frugal life.

Is 2021 the year you are going to tackle an honest budget. If it is, then here we go with an updated budget.

Check your original budget reviewing what you have done so far. Make a list of what is missing. While determining that, here are some things to consider:

Budget key to learning to live frugally.

How are you handling birthdays, anniversaries, graduation, and other gifts

Car expenses and gas money! We had to buy tires for our car recently. Ouch!

Have you figured out how you will be able to save and where will you put that money so you can’t touch it?

Where are you putting things like cigarettes, adult beverages, pop?

Remember at the end of the month you should be breaking even, if you are really budgeting. In other words money going out should equal money coming in.

You should have no money at the end of each budgeting session.

Does your budget include making a list before going to the grocery store, drugstore, etc..

Charitable giving! Everyone should give something to the charity or church that touches your heart.

What about your health insurance? You can not afford to be without.

How are you handling school supplies, online expenses, tuition ?

Make a list for yourself that you can refer to as you begin to break down your budget more and more to include what for and where your money is going.

Pick one credit card at a time to deal with and then do that DEAL with it.

If you are planning a vacation when this virus is gone, will you be able to save the money for it?

Visit my resource library, found in the upper right hand corner of selectionsfrombarb resource library.

Redo the budget each month until you get one that fits you like magnificent sunglasses.

DISCLOSURE

This blog is a personal and an informational blog. It contains my opinions and does not reflex the opinion of any organization I am affiliated with. This blog does not contain professional advice, only suggestions, informational ideas and tips. If a reader relies on anything in this blog it is at their risk.

This blog may contain errors or mistakes. I reserve the right to change the blog and change my focus or content at any time.

Information found on this site related to Young Living Essential Oils, is meant for educational and informational purposes only. It is not meant to cure, prevent or treat any disease. Statements on this website have not been evaluated by the Food and Drug Administration.

If you are pregnant, nursing, taking medication or have a medical condition consult your physician before using these products. www.youngliving.com

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Gifts for anytime of the year! Birthday, Christmas or just for fun.

This blog contains affiliated links. As an Amazon Associate I earn from qualifying purchases. If you click on any one of my links and make a purchase, I will receive a commission at no extra cost to you. The above affiliate statement applies to any affiliate.

You are thinking of giving a gift to one of your very best friends. A friend who is always there through the scary, unpredictable, sometimes catastrophic things of life. What about Alexia. A thoughtful gift that can be used in any room in your home. Playing favorite memorable Christmas carols is so relaxing.

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What about surprising one of your nieces , nephews or just a very kind teenager you know with a set of Harry Potter books. Maybe you know someone who has never read the books and would just love to receive them. What about bartering for a job done such as babysitting for a sibling X number of times. Think about what would really help you in your very hectic, hectic schedule.

A thoughtful gift for the amazing chef in your life, man or woman. What would they think about an instant pot? Think would it help with the planning and getting meals on the table at a reasonable time, before everyone is really cross, because they are hungry. Think, Think how can it help you also with everything that has to be done. Be creative. Add kitchen hot pads to the gift or some nice new kitchen towels.

https://wwwyoungliving.com

DISCLOSURE

This blog is a personal informational blog. It contains my opinions, does not reflect the opinion of any organization, I am affiliated with. This blog does not contain professional advice, only suggestions, informational ideas and tips. If a reader relies on anything in this blog it is at their own risk.

This blog may contain errors and mistakes. I reserve the right to change the blog and change my focus or content at any time.

Information found on this site related to Young Living essential oils is meant for educational and informational purposes only. Not meant to cure, prevent or treat any disease. Statement on this website have not been evaluated by the Food and Drug Administration. If you are pregnant, nursing, taking medication or have a medical condition, consult your physician before using these products.

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Budget and actually becoming a more frugal person.

Please read Blog -Budget key to learning to live frugally first.

The two words in my title, go hand and hand according to my way of thinking. You have to remember that in both situations you need to avoid going overboard. So lets take a further look at budget and learning how to be frugal.

Practice budget- add to and delete if necessary.
Selections from barb resource library

When you are ready to do an intense budget you will want to add to the simple budget above. The password to the selectionsfrombarb resouce library is HELEN.

Let’s take the word FRUGAL AND SEE WHAT WE CAN COME UP WITH. The one thing I thought as I was doing my research was that I would hate chicken if I followed some of the menus. I love chicken, but enough is enough. My opinion only, each person has to decide what is best for their family.

F= food and learning to be flexible. You don’t want a total rebellion in your family?

R=realistic. It will take time to learn this frugal thing.

U=useful. Get your family involved. Encourage them to plan menu’s that will help in maintaining or lowering your food budget. Explain you can not impulse shop, so menu planning has to be done.

G=gardener. Is it time to plan a garden? 2021 is that the year for you to begin anew.

A= animals! Don’t forget your animals when planning your budget.

L=learn . What an opportunity to learn. Why eating out can be very expensive. Menu planning. How to shop with a list and buy only what is on the list. Where to look for the best buys. Become inventive! Become a shining example to others.

Good luck on beginning. Don’t think failure, not in your vocabulary. Think about your future and how you would like to live. Plan, Plan and then keep learning.

Always have to mention my young living essential oils. They have been an asset to our lives.

DISCLOSURE
This blog is a personal informational blog. It contains my opinions, does not reflect the opinion of any organization I am affiliated with. This blog does not contain professional advice, only suggestions, informational ideas and tips. If a readers relies on anything in this blog it is at their own risk. This blog may contain mistakes and errors. I reserve the right to change this blog and change my focus or content at any time.

DISCLAIMER

Information found on this site related to Young Living Essential Oils , is meant for educational and informational purposes only. Not meant to cure, prevent or treat any disease.  Statements on this website have not been evaluated by the Food and Drug Administration.  If you are pregnant, nursing, taking medication, or have a medical condition, consult your physician before using these products.

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What does the word poor mean to your family!

Here we are almost to June and reflecting on how your family would define poor!

Rewriting this blog as I felt it needed updating from January.   Sometimes poor is a state of mind and other times we just don’t know how to manage our lives. How to say no!  We slide from one mess to another instead of taking time to focus on cleaning up one mess, before getting into another one.  Some families give the appearance, as do their children of being very wealthy, when they are living off credit cards, owe everyone, are scared to death of what the next day is going to bring.

Remind your children, grandchildren, stepchildren,  what they have to be really grateful about such as:

Love from parents grandparents . May not always show it, but it is there.

A family that stays together, even when the going gets so tough.

A chance to pray! Reflect! Meditate.

A roof over their heads.  Utilities that are paid so you have heat in the winter, and are able to be cool in the summer.

A chance to save if you have a job.  Get a savings plan started so you will feel rich when you see how it has grown.

Food on the table.

Pets and more pets and then more pets.

Clothing, maybe not the most expensive, but why would you want expensive anyway, in a couple of months you will have grown and need new outfits.

Friends who are allowed to come to your house.

With summer fast approaching we need  to remind our children to get outside and play.  Exercise, ride bicycles, help with laundry, keep the house clean  or help work in the yard.

Journal about your summer and what your child, children do to make it a good summer.#definepoor#parents#savings

 

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14 Suggestions to come up with a workable budget – 2019

14 Suggestions to come up with a workable Budget.
2019
Are you ready to begin working on a budget? This plan is setup more toward a family, but a single person could also definitely benefit from it. You decide how to begin and incorporate expenses and saving in your plan. It may take some time to find the right plan for you and your family. It’s OK to start small, but be determined to start. Don’t procrastinate! Start!
What if you sit down and have an honest discussion with your husband/wife or partner. No distractions and begin to work on the 14 items listed below. The 14 items listed are suggestions to work off of and something that has been helping us for years now.
Come up with a genuine plan of action, write it down, so you don’t forget it. Start with scrap paper, as you may tear it up several times. You may also think of something that I have forgotten.
***Ready, start, go! Someone has to take the lead. Don’t argue! Discuss.
1. Gather all your bills together. If everything is done electronically get a copy of your statement and begin working from it. I’ll bet you are spending money you are not even aware of until the next budget discussion or the end of the month.
2. Have a calendar available that you will use only for your budget. Do in pencil. Put due dates on calendar so you don’t forget. Hang that calendar in your kitchen or office as a reminder of payment due. Even electronic payments need to be checked on. I hope you are checking your electronic statements!
3. Come up with a workable budget sheet for you. Try something like this one below. Keep adding to it until your whole budget is in front of you. Change it as often as you want until you have something that is working for you.
POSSIBLE BUDGET WORK SHEET – Do a spreadsheet or table. Across the top, add these columns. The last column can be the money you have coming in or it can be the first column if you want. The money coming in and the fourth column should tally when you get everything sorted out. You can always add more columns, if you find that helpful.
First Column – Name of Bill
Second Column – Amount of Payment
Third Column – Due Date
Fourth Column -Amount Paid/Spent – Add an E for electronically, Ch-check and C-cash.
Start with Mortgage/Rent Example
Due -$900.00 1st of month Electronically Pd 900.00 on 1st of month.

Then do Utilities
Gas
Electric
Water- Utilities- Get on budget plans if you can
Food-Make list! Try hard to stick to your list.

Car-gas money, No car? Bus, Bicycle, Car Pool

4. Be sure when you finish putting your big items on the budget sheet, continue on with the rest of your necessary budget. You add in the smaller items such as dining out, lunch money and spending money. Whatever you want to name them- miscellaneous. extras is up to you.
5. Charity! The following are things for you to think about. Do you give to others? Do you give to your Church? How will you handle Christmas spending this year 2019. Especially if you decide to send your credit cards bye, bye.
6. Always include how much you spend for birthdays, anniversaries, graduations, and weddings during the year. Do you budget for haircuts and or beauty shop visits? If you can do your own hair, consider that a win, win situation.
7. The first 4 items listed above on your budget sheet should not be deleted. These are necessities of life as far as I am concerned. If you do not figure out how to handle these monthly or bi-monthly, you will struggle more and more. You will continue to live from paycheck to paycheck.
8. Where are you going to list (when you use your debit or credit card on the spur of the moment), so it shows in your budget?
9. How do you manage things like home maintenance, car maintenance etc. What about your lawn mower or your snow blower? Need to plan on a savings of some kind. Do not touch once you start it. Call it a hands off account, Call it an emergency account, Call it a save for new car budget.
10. Another tough one! Internet, telephones and television! Possibly you will want a family discussion on this one. Who is responsible for phone bills? Are your children limited on their phones?
11. Clothing! Can you turn yourself into a thrift shopper? Do you have teenagers? Do they have charge cards?
12. If you do not have insurance through your job, how are you going to pay your medical expenses? Do you have to pay estimated taxes?
13. What about school tuition, school supplies, school loans. Day care! Do you have to pay association dues of any kind? You get the idea.
14. Let’s go back to Food! A list is essential, but even more essential is when do you incorporate things like dog food, cat food, baby food, diapers, formula, cleaning supplies, toiletries etc. Not really food items but things most people buy when grocery shopping. Do you use one paycheck just for food and try to get the other items in the second paycheck if you are paid bi-monthly?
**At the end of each month you should have accounted for all your money. What your expenses (going out) are versus the income you are bringing home. If you have money left over you are not understanding budgeting.
Be patient with yourself. If nothing else try to change one or two things that you are currently doing to make your budget more manageable. Reward yourself if you accomplish one of your budget goals. Now don’t go overboard on the reward. Credit yourself with moving forward and trying to change.
I hope you have found this information helpful. Remember they are just suggestions to get you thinking. If you have any questions , please email me and I will try to help with some positive suggestions.