Reduce Clutter and Achieve Financial Simplicity

For most people, money and finances are more difficult to talk about than sex. Let the record reflect that I am neither a financial planner nor a sex therapist, but I am what you might call frugal (not to be confused with cheap).

How do you view money? Do you see it as something to spend? If so, read this carefully: Money is NOT to be spent; money is to be managed. Of course you spend it, but before you do, you need to be sure that you are allocating it for items that will bring joy to your life…not misery.

Financial woes are often the result of living beyond your means. In other words, you spend more than you make. Often, financial choices are based on the need for instant gratification, which really boils down to an impulse, not a conscious choice. Typically, there is little or no thought given to the future consequences of instant gratification, such as huge credit card balances or unsecured debt.

Sadly, retailers rely on this weakness. Rarely do we have to wait to buy anything since retailers are so accommodating with instant credit at zero percent interest for three years. The temptations are hard to resist, but you must.

Financial choices are prime candidates for the NEED vs. WANT filter. If you pause long enough to run financial decisions through this filter, you will soon realize that you don’t really want all of the irritants that come with the purchase. Sure, buying new stuff is exciting and liberating; but then you have to live with it, maintain it, pay for it, and stress over it for the next decade. Is that what you really want?

Do you:

  • Fear missing out on a sale?
  • Hate to let a coupon expire unused?
  • Compete with others in comparing possessions?
  • Experience joy when purchasing something new?
  • Become jealous when someone else has a new purchase?
  • Find yourself in debt and struggling with finances every day?

As you can see, emotions play a key role in financial choices. Fear surfaces at the thought of missing out on a sale or letting a coupon expire. Competition flares when you compare your possessions with those of your family, friends, neighbors, or coworkers. Joy kicks in when you think of acquiring something new. Jealousy sparks when you see someone with something you wish you had. These are powerful emotions, to say the least.

Logic must be engaged when it comes to finances. You can’t let your emotions run away with your money. If you do, you will soon find yourself deep in debt…and clutter.

Financial freedom can be the cornerstone of simplifying your life. Without the burden of financial worries, you can soar!

P.S. Want to save money? Only pay with cash, not credit or debit cards.

2011 THEME

Every year, I create a theme for the year ahead. The theme I start with unfolds but it’s interesting that when I look back on the year, another theme sometime emerges (20/20 hindsight is a beautiful thing). My hindsight theme  this year?

2010 – The year of Observation.

It felt like this whole year was viewed from a 30,000 foot elevation. I learned more about myself, my business, my clients, and my family and friends than ever before.

So what was your Hindsight Theme?

What will be your 2011 Theme?

Post it here and let’s see if we can make 2011 the BEST YEAR EVER!

Patty Signature

Patty Kreamer, CPO®

Certified Professional Organizer®

patty@ByeByeClutter.com

www.ByeByeClutter.com

Professional Organizer on People vs. Things

Sometimes, what we care about most gets all used up and goes away…never to return. So… While we have it… it’s best we love it… And care for it…. And fix it when it’s broken…. And heal it when it’s sick.
This is true… For marriage…. And old cars…. And children with bad report cards….. Dogs and cats with bad hips…. And aging parents….And grandparents. We keep them because they are worth it, because we are worth it. Some things we keep. Like a best friend that moved away or a classmate we grew up with.
There are just some things that make life important, like people we know who are special…. And so, we keep them close!
Good friends are like stars…. You don’t always see them, but you know they are always there!
People are made to be Loved and Things are made to be Used.
There is so much confusion in this World because People are being Used and Things are being Loved.

clip_image002

A KEEPER

From an email I recently received – author unknown.

Sometimes, what we care about most gets all used up and goes away…never to return. So… While we have it… it’s best we love it… And care for it…. And fix it when it’s broken…. And heal it when it’s sick.

This is true… For marriage…. And old cars…. And children with bad report cards….. Dogs and cats with bad hips…. And aging parents….And grandparents. We keep them because they are worth it, because we are worth it. Some things we keep. Like a best friend that moved away or a classmate we grew up with.

There are just some things that make life important, like people we know who are special…. And so, we keep them close!

Good friends are like stars…. You don’t always see them, but you know they are always there!

People are made to be Loved and Things are made to be Used.

There is so much confusion in this World because People are being Used and Things are being Loved.

Patty Signature

Patty Kreamer, CPO®

Certified Professional Organizer®

patty@ByeByeClutter.com

www.ByeByeClutter.com

Organizing Tip: I’m in love with Rubbermaid!

Rubbermaid.com Home Page

This weekend, Rubbermaid entered my life in a big way.  

1.  I got the Rubbermaid Easy Find Lids for my kitchen storage and I have to tell you, they ROCK!  I gave my niece about 10 containers and lids and in that same space, I can now store the 20 piece set of Rubbermaid Easy Find Lids that include the Produce Savers, Lock-Its, and Premiers containers.  They all have the Easy Find Lids that snap to the bottom of the container for easy storage.  

Check them out!  http://tinyurl.com/5djzgb      

2.  We also purchased the Rubbermaid Big Max 7×7 shed at Home Depot to store the items that we always use outdoors.  They currently live happily in our garage but they are inconvenient to get to without moving the car, etc.  This shed is amazingly easy to build (took 2 of us about 4 hours, but now that we have built one, we could do it in half the time).  The instructions were easy to use and the parts are marked well. AND we didn’t need divorce papers afterwards.

http://tinyurl.com/5kutnn  

Rubbermaid really has it going on in the quality department – I whole heartedly recommend them to you!

Patty Signature

Patty Kreamer, CPO®

Certified Professional Organizer®

patty@ByeByeClutter.com

www.ByeByeClutter.com

Organizing Tip: Take the Ten-Toss Challenge!

newpurge-1

Certified Professional Organizer® poses the Ten-Toss Challenge:

What TEN things can you eliminate from your life RIGHT NOW?  

Post your answer in the comments below.

Patty Kreamer, CPO®

Certified Professional Organizer®

patty@ByeByeClutter.com

www.ByeByeClutter.com

Organizing Tip: Chicken or Egg? Effective or Efficient?

clip_image002

My fortune in my fortune cookie a few weeks ago said:

The efficient person gets the job done right.

The effective person gets the right job done. 

Think about that for a moment.  Which one is better?  (This is kinda like the chicken/egg argument!) 

Which one of these describes you?

 

Patty Kreamer, CPO®

Certified Professional Organizer®

patty@ByeByeClutter.com

www.ByeByeClutter.com

Organizing Tip: Vacation is the answer!

imgp00071

If you haven’t taken a vacation in a while, take it from this Certified Professional Organizer®, it’s time!  We just returned from a 2-week vacation – one week on a cruise and one week in FL on the golf course.  Now I’m refreshed and ready to rock and roll!  Time away is like the reset button on life.

When was the last time you took a vacation?  

When is your next vacation?  Where are you going?

They say when you get back from your vacation, you should start planning your next so I gotta go – where to next?

P.S. Check out the demo video of the flight line me and my sisters did!  http://tinyurl.com/dek40m 

 

Patty Kreamer, CPO®

Certified Professional Organizer®

patty@ByeByeClutter.com

www.ByeByeClutter.com