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The perceived value of your life

by Filed Under: Estate Planning, Organize, Systems & Techniques, Tips & Resources, Uncategorized, Wellness & Mindset 4 Comments

This post is not about contraception or family planning, but it is about reflecting upon life and its perceived value. We each place value on our own lives and others, including the lives of family members as they age. Anyone at a crossroads in life facing the prospect of estate planning knows how stressful it can be. It can be emotionally and physically exhausting to face your legacy and the perceived value of your life.  Maybe you’ve been a collector or have family heirlooms that have been passed down to you. The process of legacy planning can trigger loads of personal and family distress. I encourage you and my clients to take on the task of legacy and estate planning a little at a time. The sooner, the better.

It’s never too early to consider personal and family legacy planning. Whether the time to downsize comes when family members are alive or after a death, please start talking about this subject.

I hate to bring it up because it’s culturally taboo, but the fact is that we will all die.

What you will leave behind, you’ve probably grown attached to, or you wouldn’t have kept it around. But honestly, we often keep things for sentimental, practical reasons or because it’s a habit to have them around. For some people, legacy may include a lot of physical stuff; for others, that isn’t what matters. Either way, if we can start thinking about what is important for us to leave behind, it makes the process less overwhelming.

The Gentle Art of Swedish Death Cleaning is an excellent resource for anyone downsizing. It’s become a popular book, partially because of its darkly humorous title but mainly because there is currently a large generation of people in the process of downsizing (baby boomers). The author, Margareta Magnusson, recently published a new book, The Swedish Art of Aging Exuberantly: Life Wisdom from Someone Who Will (Probably) Die Before You, which I haven’t read yet. This book addresses more about the aging process from the author’s perspective. Since I’m aging (and we all are), I am looking forward to her perspective (both culturally and experientially).

One of the big challenges facing us when legacy planning is what to do with our stuff.

We can’t take our stuff with us…what we leave behind is part of our legacy.

Have you ever thought about what your legacy is? What have you enjoyed or done throughout your life that others might remember of you? This might be something you want to sit down and take notes on. Quickly journaling or taking a mental inventory of your life journey might include memorable moments, special people, collections and objects, and more. Here are some questions that will help you consider not just the stuff but what’s been most valuable to you over your lifetime.

Did you write, keep scrapbooks or take photos?

Do you collect something special (I collect things with a “Bee theme” but try not to overdo it)?

life and its perceived valuelegacy planning

Are you a maker or artist (quilt, knit, or paint)?

Have you been a Gardener or Cook with records of these hobbies?

life and its perceived value

My Grandfathers Scottish accessories

Were you recognized for significant accomplishments in your career?

Did you invent something?

Were you an avid reader?

legacy planning

You might ask yourself and your family members some of these questions before it comes time to decide what to keep or get rid of. It may not be an easy conversation. Not talking about it could cause more pain in the long run. Keep it lighthearted and take it a little bit at a time.

Honor your loved one’s legacy by talking with your family members about what they are passionate about and how they want to be remembered. 

Record your family stories to share with future generations. These conversations will help with future decision-making.

We all want our loved ones to remember us, and for some people, things are beautiful tributes. Keeping a handful of meaningful items can help you remember and honor their legacy.

Of course, there will be family and friends who will choose to honor and remember their loved ones without the stuff! Maybe they have vivid or photographic memories of events and connect to that person through other means (spiritual, oral, or written history). Sharing your story (via a letter, video, voice recording, or conversation) may be enough!

If your loved ones don’t want your things, don’t feel hurt!

Locate groups or organizations with similar interests where you can donate part of your estate. Be prepared to release your attachment to the outcome.  Your family and some organizations will not want everything you’re leaving behind. That’s not a reflection of how they feel about you or the value of your life.

Others cannot fully understand the perceived value of your life; it’s your unique human experience, after all! How you communicate your life experiences is inherent in what you leave behind through the people you touch, the lessons you’ve shared, your human connections, and your creations.  Coming to peace with your legacy is an inside job. Your inner peace can help you adjust your expectations about how others will pay tribute to your life.

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Simple paper sorting

by Filed Under: Organize, Paper management, Productivity, Systems & Techniques, Tips & Resources 1 Comment

Is your desktop often covered in piles of paper? After the holiday hiatus, many people return to work with new enthusiasm, but possibly also to a desktop covered in papers and projects that have been lingering. In another post, we identified three steps to get paper piles under control, but today, my focus is on helping you create a simple paper sorting system to get your desktop clutter under control! If you missed that post, please go back and spend about 30 min’s preparing for these next steps.

Here is how we will create a simple and successful paper sorting system.

First, we will identify what overwhelms us about paper piles (the how or why things are feeling out of control). In accounting for our mental state, it might be helpful to journal about what comes up for you! Next, we list the categories of files and papers we need to keep. Finally, we create a working space or staging area to spread our supplies and create a new system.

paper sorting

Many people suggest the first step to paper sorting is to gather all your papers in one place. I don’t start with this because I believe before we dive into paper sorting, we need to identify how we got here and where we want to be! I’ve written about setting intentions in several past posts. and I believe this is one of the most important steps to creating lasting changes. This step can be easy to overlook and seem unimportant, but it can make all the difference.

Setting our intention is a valuable part of creating successful and lasting change.

After we identify what is holding us back and intend to change things, we are ready to gather all our papers in our work area. This might be just your desktop to start with (baby steps are BIG steps).

Before you begin, consider how you want to organize your newly sorted papers. In a prior post, I go through several filing systems, including the Tickler, binders, and color coding. Before you commit to one filing system, take a look at some alternatives. This paper sorting process will work for any type of filing system! It also helps to think about how you store your digital files, mirroring systems can save you time when retrieving (or trying to remember) things.

*A quick note about shredding and sensitive papers. If you have a lot of papers to process at once, hold off on shredding and put papers to be shredded into a LABELED bag or box. If a piece of paper only has your name and address, you might want one of these excellent ID Blocker stamps to mark out your info and recycle it.

With all your supplies and your staging area set up, let’s begin sorting!

  • Gathering papers is like a treasure hunt. Don’t forget to look in the kitchen, bedroom (nightstand drawers or surfaces), dining room, office or den, and car!
  • Before sorting stacks (files or bags) into categories, list the categories you know you need. Your categories might be different than mine. The most important thing is to create a system that is easy to remember. Common filing mistakes I see are overly complicated or very vague systems. See this post to review your categories.
  • With your list of categories nearby, put each of your categories on a sticky note. If you come across a category you don’t have, just add another sticky note! If you come across papers and are unsure if they need a separate category, set them into an “undecided” area to review later. Don’t forget an “Action or To-Do” category and a “Delegate or refer to someone else” category if those will be helpful. 
  • Pick up your first stack and sort it into recycle, shred, or one of your categories. If you have a lot of categories, set up hanging folders in an empty box or file drawer. I prefer to start with a blank slate and sort everything into a new filing system.

Sort for a set amount of time, and use time-blocking and an alarm. Remember to take breaks every 30-60 mins. Though I can’t advise on what specific papers you need to keep, a helpful retention guide is available on the IRS website. For anything related to taxes and finances, check with your accountant.

Consider going digital for information you can access online. If you’re not comfortable but want to try it out, pick one category like “Utilities” and convert each account to paperless and see how that goes! If you like it, convert additional categories, such as banking, investments, and insurance.

Once you’re through sorting paper piles, don’t forget to label your categories. You can get fancy with printed labels, use erasable labels, or just a sharpie. If your new files don’t fit into your existing drawers, you may want to set up additional file boxes for items you don’t need regularly (such as tax or other archive papers). There are some downright gorgeous file cabinets in various styles; check out my previous round-up here. Now that you have a fantastic system in place, maintain it daily or weekly so you don’t end up with a backload of piles again!

Piles of Paper and no system in sight?

by Filed Under: Organize, Organizing Projects, Paper management, Systems & Techniques, Tips & Resources, Uncategorized Leave a Comment

Does paperwork pile around you at home and office? Piles of Paper might mean unopened mail, and papers can lead to cluttered horizontal surfaces. There are many reasons for paperwork to pile up. Getting to the cause can help you create a functional solution. Conquoring these piles can be overwhelming or totally rewarding! In this post, I share an easy first step to Purge the Paper Piles.

Piles of Paper might feel beyond our control but they don’t have to

Many organizers, including Marie Kondo, recommend gathering everything by category. In this case papers. Instead, we are going to start differently. Before you gather all your paper piles its helpful to consider and identify how you got to into this situation. I don’t have those answers for you. I can share what I’ve learned from my working observations with clients, friends and family.

  • A “Trigger Event” such as an injury, death, move or birth put you off course. This event caused you to go totally off track and loose your system or maintenance of it.
  • Maybe you had a system started, but that system wasn’t a good fit and you were unable to maintain it. This is often the case when people feel they “should do” something a certain way or learned a system on the job, from a family member or friend. This can be incredibly frustrating and lead to feelings of shame.
  • Or maybe you never learned how to create or maintain a paperwork system, it’s certainly not taught in school or even at home (in most cases)!

We all have our breaking points. There are more urgent, fun and important things than dealing with a paper piles that seem so unimportant. We push them aside and make a lot of excuses for not getting around to them. Day after day, week after week and sometimes for years. When you get to this point, it’s easy to see how overwhelm creeps in and we don’t where to begin.

When we fall behind we tend to ignore what is present because we are worried about what is past.

Paperwork Piles

Instead of going back through everything in the past, start where you are. In my experience if you lost every single paper in your house, there is very little that can’t be fairly easily replaced. Just ask almost any millennial, they live with very few papers. Most of what we need to keep can be replaced with a few phone calls and emails.

Before gathering everything in your home/office, sit down and open your most current paper pile of mail, receipts etc. Consider what mail and papers you have coming in. What categories do they fit in? Here are some general and sub categories.

  • Household-Utilities, improvements, reciepts, insurance etc
  • Medical-You & your family members
  • Vehicles-loans, DMV/MVA info, insurance
  • Financial-Banking, credit cards, investments, taxes
  • Professional-continuing education, employment, resume etc

Make a list of YOUR categories. Don’t think about what you had in the past or what you “should have,” start simple. As you sort, consider going paperless with utilities, insurance, bank statements or anything you can easily access online. Consolodate sub categories into one general category. For example, one file for all utilities (to keep track of account numbers etc). Simplifying your incoming mail and filing will help create a system that’s easier to maintain.

Simple systems work best. Over-organized systems are cumbersome to maintain.

Before you purg past paperwork, create a “staging” area and gather your supplies:

  • A file box or two depending on how much you have. I prefer any that hold hanging folders and still close, like these. Bankers boxes will work, just don’t use the hanging files
  • File folders-new or used, different colors or one color. Don’t buy them unless you need to.
  • Hanging folders are optional but they do make the job easier (recycled is fine)
  • Sticky notes for temporarily labeling categories
  • Pens or pencils (pencils for starting, sharpies or labels for permanent labels)
  • Labels or a Label maker

Now pick up and begin to sort through a pile to see how it fits into your new simple system. Depending on how long this first step took, you can estimate how much time you will need to sort and purge all your Paper Piles! If you don’t have a good system for your mail when it comes in the house, check out this post on Creating a Practical Command Center. Looking for a stylish, yet practical file cabinet or container? Check out my inspiring round up here.

*Some people may prefer a flat filing system like the drawers below or binders, but for the purpose of purging I will focus on file boxes of some sort.

Paper Piles

Paperless organizing; Going digital

by Filed Under: Digital Organizing, Organize, Paper management, Systems & Techniques, Tips & Resources, Uncategorized 1 Comment

Are you digital with some, or all of your “paperwork”? Get started with paperless organizing; going digital might help you cut down on paper clutter. For example, some people try to be totally digital and do almost everything on their computer, phone etc. Others are totally uncomfortable and will never go paperless. Most of us fall somewhere in between.

Ready to go digital?

You might still be a little tentative, that’s okay. Dip your toes in the water and acclimate as you go.

8 Questions to assess if your ready to go paperless (less paper)

Answer these questions to learn how comfortable you are with technology. Keep track of how many of the following you answer yes to.

  1. I read books on my kindle or another electronic reader.
  2. More of my shopping is done online than in stores.
  3. I access account like my banks, utilities and others I use frequently.
  4. Paperwork is piling up everywhere!
  5. My calendar is digital (on my phone, computer or both).
  6. I check my emails regularly (more than once a day).
  7. I’m on social media like Facebook, Twitter etc.
  8. I read blogs or other media online to stay informed and connected.

Digital Novice or Paperless Pro? Where do you fall in the Tech Savvy Spectrum?

going digital

If you answered yes to 3-5 of these then you are definitely ready to go digital, at least partially!

The most frequent concern I hear is the issue of security. Your personal information could be stolen via many online sources. Assessing your adversity to risk will help you determine which accounts you are more comfortable with going digital. Large financial institutions and municipal utility companies have comprehensive systems in place to protect your identity, but nothing is fullproof! The great thing about going digital is that if you do encounter a problem with your account security, you will be able to respond to it more quickly. Which’s often the best defense!

Where to start? Based on your answers to the questions above, pick one or two areas to add to your “digital” workspace.

Getting started with digital organizing:

  • Go to the business website, create an online account and save your username and password in a secure location.
  • Go through a “tutorial” or just click around until you are familiar with the basic layout of the pages. Look for “tabs” or hyperlinks that will help you navigate the different menus and tools.
  • Find your profile and settings. Often they are near one another and settings sometimes look like a little gear wheel. Check your personal information in your profile to be sure it’s all correct.
  • “Go paperless”-this is usually under settings and you can choose all or nothing depending on the company.
  • Check your email and “verify” your account (sometimes you must do this before you can even log in and navigate around).
  • Check your account regularly and download statements or pay bills online. In some cases you can set up a bank account to do this, in other cases (financial institutions) you can link utilities and other bills to be paid to your checking or savings accounts.

Site specific resources are usually available for setting up varius online accounts, such as tutorials or videos. In general, most banks, financial firms, utilities and phone companies have probably sent you “go paperless” inserts in your snail mail. If you have one of those handy, that’s a great place to start! This simple guide to paperless organizing will help you to determine if your ready to go digital. Try setting up a digital account or two to reduce the paper clutter in your home or office. Once you’ve transformed your paper clutter to digital, keep you digital files organized with my helpful guide to creating a digital file structure.

Healthy Cleaning Tips: Greener ways to Clean

by Filed Under: Health, Inspiration & Education, Organize, Tips & Resources, Uncategorized 1 Comment

The beginning of a new year is the perfect time to de-clutter, organize your closets and create a clean and fresh start in our homes. The following healthy cleaning tips are meant to help you understand what your putting into your homes and bodies.

There are so many cleaners and cleaning products on the market but do you really know what’s in them?

With the recent focus on sanitizing since Covid, it’s important to understand how to make cleaning choices that will keep our homes and bodies healthy. 

healthy cleaning

How healthy are the cleaners that you use?

Non-toxic, more healthy cleaning should be part of your everyday home cleaning routine – and especially if you have small children. The benefits of these healhty greener cleaners include; fewer toxins and chemicals being absorbed into the skin, less damaging to the environment and better air quality in your home and they are less expensive in some cases (DIY cleansers!). If you want to better understand the toxic chemicals to look out for in your cleaners, check out my previous wellness post on the subject.

GreenWorks Multi-Purpose Cleanser is a great cleanser to use for virtually any room in your house. It can be used for a variety of different tasks and is safe for your home and your children. Not only is it made with 97% organic materials, but it also works on those stubborn stains or hard to handle messes.

Method is another cleaner that has the environmental seal of approval. The method product line comes in a variety of different cleaners including hand soap, dish soap, laundry detergent, bathroom cleaners, all-purpose cleaners and even a body wash for men and women! They come in a variety of scents and uses all biodegradable materials. They’ve thought of everything!

Mrs. Myers is a wholesome midwest cleaning brand started by Mrs. Thema A. Meyer. She created Mrs. Meyers because of her penchant for keeping things neat and tidy and the scents were inspired by her garden. Her line of cleaning products which range from hand soap, body soap, laundry detergent and air fresheners are all made with natural scents like mint, basil, and lavender. If you want your home smelling like a bouquet of roses this Spring, you better get cleaning with Mrs. Meyers!

For those who want to know EVERYTHING that is in their cleaners, DIY is the way to go! Many homemade cleaners are made with ingredients you probably already have around your home. Vinegar, essential oils, baking soda, olive oil, and water are the key players in most of your homemade cleaners.

Bathroom

Vinegar is a key ingredient to getting rid of bathroom dirt and grime! For tough toilet stains, add ½ baking soda along with a few drops of essential oils into your toilet bowl when you’re ready to tackle the toilet add ¼ cup of vinegar and scrub away the mess as it works its magic.

A spritz of pure vinegar can be used in your shower and sink on soap scum and hard water residue. Add it to a spray bottle and spritz it on, letting the vinegar soak for 20-30 minutes before wiping off. If that doesn’t work, add baking soda to the mix and try again in 15 minutes.

Kitchen

Most kitchen surfaces can also be treated with vinegar, but if your surfaces are made from marble, granite or stone stay away from the high acidity and use vodka or rubbing alcohol instead- which both have anti-viral properties. Mixing equal parts water and vinegar/alcahol will make a very effective multi-purpose cleaner that can be used on most surfaces including countertops, floors, and walls. Add your favorite essential oils to increase the anti-viral (think tea tree, thyme, lavendar or citrus sents) properties and make your home smell wonderful!

More healthy cleaning tips

To tackle greasy frying pans just add salt – and give it a good scrub! If you need to clean a cast iron pan add olive oil and a teaspoon of course salt and rinse well with water. The best way to sanitize surfaces is with a lemon, simply cut it in half and run it over the surface you would like to disinfect.

Having the right ingredients is only half of the job, having the right cleaning tool is the other half. Sponges that have a harder edge are good for scrubbing stubborn pots and pans. Rags or microfibre clothes are excellent for disinfecting surfaces and the magic eraser is great for removing soap scum, scuff marks and any other war wounds your child puts into it!

Laundry

healthy cleaning

Click to view image and recipie larger

The laundry room is where most people run into trouble with the homemade detergents because if you throw a cup of vinegar in with your clothes, they wouldn’t come out smelling very nice. Laundry detergent is a bit tougher to make, only in the sense that you have to add more ingredients. Combine bar soap (chopped and processed), baking soda, essential oils, vinegar and washing soda and you will have created a very effective and pleasant-smelling laundry detergent.

Instead of using dryer sheets that lose their scent after one use, try using laundry ‘scenters’ that will stay fresh for up to 30 loads of laundry, or more! Add your favorite herbs or loose tea to a sachet (one that has holes that the herbs can aerate is best). For more laundry organizing and cleaning tips, check out this post.

Floors

Every room in your house has one and floors can be tricky to keep clean. Anyone with hardwood floors can keep it simple by washing (or steam cleaning) with warm water, just be sure not to over soak your mop when washing the floors.

healthy cleaning

Click to view image and recipie larger

If your floors still aren’t looking as clean as they should, add a bit of dish soap in to bring out the dirt and let those floors shine.

Laminate floors are very delicate and steam mops shouldn’t be used on them. When cleaning a laminate floor clean with a light mop and spray the cleaner onto the mop, not directly onto the floor. Using a mixture of three parts water, one part vinegar and a squirt of dish soap should do the trick.

Most other floors are easy enough to care for and don’t require any special precautions. A typical all-purpose floor cleaner is a cup of water, ½ cup of vinegar and a tbsp of vegetable oil to bring out the floors natural glow.

There are hundreds of different homemade cleaner recipes out there, all have different purposes and work differently for all homeowners and their grime, but the one thing we can all agree on is that they are made from natural ingredients and have a positive impact on your home and the environment. If you have any recipes you’d like to share, please leave them in the comments below!

 

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