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Jill Russo Foster

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You are here: Home / Archives for Organization & Planning

Travel Made Easier

You know we love to travel.  Personally, the $85 I spent to get TSA Precheck was well worth it.  It is so much easier to not have to take out your toiletries, electronics and/or take your shoes off.  Note, that not all international airports recognize this status.  Although, recently in London’s Heathrow airport and they did stamp my boarding pass on connecting flights and I was pleasantly surprised.

We actually had to wait weeks to get an appointment with the local (30 minutes away) office of IdentoGo.  Then you wait more time to get your TSA Precheck number.  Yes, it’s well worth it to not have to take off your shoes.

But by later this year, it will be easier.  IDEMIA, the company will be offering the interview process through select Staples locations to start – 50 locations to start.  How convenient will that be?  When my renewal is due, this should be so easy.

There’s More To Spring Cleaning

Spring cleaning used to be a chore to me.  I would take a weekend and tackle everything, then be totally exhausted.  Now, I have changed and put myself first.  I do things over the course of the year, so I am not exhausted and it’s not so much of a chore.  I tackle project by project and it feels better to me and not as overwhelming.

My latest project was sparked by an article I read in AARP’s magazine.  It occurred to me that I haven’t done this in a while.  One more spring cleaning project done.  I thought I would share this with you as well.  AARP’s Spring clean Your Smartphone.

Money, Life and Savings

A reader asked me about how to save to purchase a home, when your money doesn’t allow much for savings.

That’s a great question. But not an easy one to answer.

We all know that saving should be a priority.  But we have monthly obligations.  So here are so general steps to achieve what you want (in this case a home).

  1. Track your spending – many people overlook this step.  Trust me this is the most important step in achieving your goal.  Write down every penny that you spend for at least a month.  Track everything from the rent payment to purchase of the newspaper.
  2. Weekly (or more often) take your tracked numbers and put it in to a budget.
  3. Analyze where your money is going and make a plan to spend less.  Even saving $5 a week will add up.
  4. Automate your savings goals and pay yourself first.  You will learn to live off less if you don’t see it available in your checking account. You may want to unlink your checking and savings (or have them with separate banks).
  5. Lastly, look into home ownership programs in your community.
  6. Check out to see if you qualify for an Individual Development Account to save for a down payment.

While it’s hard to save money each and every month.  It a necessary step in life to achieving your goals.

 

The Tulips of Kuekenoff

 

 

Thank you all for your posts / comments over the past few weeks.  We are back from a fantastic vacation to Amsterdam (as you can see the flowers / tulips from Kuekenoff) and then a British Isles cruise.  Starting next week, we will be live posting and responding.

Gotta Vacation Coming Up?

If you have travel plans for Memorial day weekend or the summer, you should check your pricing again (just before you leave).  We always recheck the pricing on hotels, cruises, rental cars and more.

A while back, we found our hotel room was $60 less per night. Made a new reservation and cancelled the original. For our most recent trip, we were able to get upgraded to an executive room for the same price.  The executive room includes breakfast and light dinner. This saved money as we will be paying less for food.

A few years back for an upcoming cruise, it seemed as if the price went down every Monday.  We we are able to save about $500 – this is money that was deducted from what we would have owed at the time the final payment was due.  After the final payment is made, any savings is given back to you as an onboard credit – which we had another $200).

Money is my pocket is always good.  Make sure to check your reservations to save more money.

College Money Choices

 

 

 

We all hear about the college students and the money mistakes they made while in college.  I was one of them.  This article from US News shares the top six mistakes and gives you ideas to think about.  Read more

Get Rid Of …..

As April is typically a clean out month, I want to make you aware of two different opportunities to get rid of some items in your home.

First, this Saturday, April 28 is National Prescription Drug Take Back Day.  Now you can safely get old and unused prescriptions (and over the counter medicines) out of your home easily.  For more details and locations, click here.

Next, do you have unused toys?  Hasbro is offering a pilot recycling program to recycle your unwanted toys.  You start at the website,  register, print the free shipping label and drop off the package.  It’s that simple and keeps the toys out of landfills, click here to start.

For more resources and suggestions, please visit my website to get rid of your unwanted items.

 

Paper, Paper Everywhere!

For the past couple of years, we have tackled paper in our home.  It always amazes me that so much paper could accumulate and how many file cabinets for all this paper .  So in our household, we are working our way to minimal paper.  This is how we are doing this.

Step one was to make a promise to go through the mail each day – recycling what is junk and dealing with the remaining.  That means putting the bills in the bill pay file. Responding to invites.  Creating a folder for menus and discounts.  Keeping on top of subscriptions.  This is working in our home.

But there was still papers! Like many of you, I didn’t have a lot of time to spend on this project, so I planned baby steps.  For me, that was one major area per year.  There were two items I needed to tackle this.  First a scanner – I chose one with a feeder to be able to scan multiple pages.  Next, the shredder – I chose a cross cut versus a strip cut to really make confetti out of the documents.

Year one, was our medical records – lab results, doctors notes, insurance claims, cancelled checks etc.  We sorted these into piles – keep and scan, toss and to do.  This took time, we spent 5 minutes most days and did a little more each day.  Within the year, this was done.  One file cabinet drawer tackled.

Year two, was taxes and supporting documents.  This wasn’t as hard as I imagined.  We kept 7 years worth of paper returns.  We choose to scan the actual old tax returns before shredding them.  Now, we scan everything including the supporting documentation and keep the returns in a pdf file.

Year three (honestly, this two two plus years) was the family photos.  For our home, this included movies and slides in addition tot he photos.  I inherited all my families media and sorting this took time.  First, we the movies.  we didn’t even own an 8mm projector.  We took a giant leap of faith and trusted the titles to a company to put them on DVD.  And that worked for us.  Next, the photos. I have to be honest and tell you this was time consuming.  It took lots of time to sort and scan the photos we wanted.  Last, came the slides.  We sorted these and sent them to the same company to be put on a flash drive.  This project is done!

This year is the year of the manuals, you know those items that come with a new item and you keep it just in case.  Ours are very organized and filed by room or type of product and we do refer to them from time to time.  But they are taking up a whole file drawer.  My though process, is to download the manual as we by new products to refer to and not save the paper.  I will create a file with folders like my file cabinet.

Remember to back up anything on your computer, either in a cloud or on external media.  You would to lose your family photos or important documents with a computer crash.

We have gotten rid of three file cabinets – two four drawers and one lateral – so far.  And there is more to go.  What do you do with all your paper?

Spring Cleaning Your Finances & More

As I sit here and write this blog post about spring, I feel that I am missing spring.  Here in the northeast we seem to be having a never ending winter.  Yes, we have had a few days of warm sunshine.  We have been subject to various temperature swings – one day 50 and then cold, snowy / rainy days.  I know it’s spring because the daffodils and crocus are blooming (and something peeking out of the snow).

Because the calendar says spring, lets talk about your finances.  Now that tax season is over, it’s a good time to take a look at your finances and tackle these ideas:

  1. When was the last time you shredded your out dated paperwork.  Typically, after seven years papers can be tossed with a few exceptions.  Check with your tax preparer for your situation.  This is a good time to do this as many communities have a free paper shredding days this weekend for you to take advantage of.
  2. Did you learn something from filing your taxes?  Maybe you need to make adjustments to your paycheck withholding or to save more to be able to pay the taxes you owe.  Take a look at your finances and make the changes now.
  3. Where do your finances stand in relationship to your beginning of the year goals?  Maybe you set a goal to save a certain amount this year.  Are you one third of the way there?  We are about four months into the year, therefore you should be at 33% of your goal.  Are you on the path to achieving this goals? Do you need to make adjustments to your finances to achieve the goal?  Now is the time to take a look and make the changes needed, so you are not disappointed at year end.

Hopefully, the weather will agree with the calendar and spring will arrive soon.

Let me know what your spring finance projects are.

Spring Cleaning Your Finances & More

In honor of spring – which we will see today in the northeast – I will be posting about spring cleaning.

Today, let’s discuss your passwords and computer.

Have you done these things lately (if not, now is a good time):

  1. Change your passwords – remember that they should be of strong strength and no two passwords should be the same.  Worried that you will forget them, consider a password management system.  If you are using a password management system, do a clean up.  You should change your passwords often.
  2. Make sure your software is up to date, run updates.  And while your at it, when was the last time you ran your virus protection / malware scans.  If you can’t remember, then it’s time to do this now.
  3. No one likes to lose anything, do a back up today.  Consider automatic back up both local and in a cloud.  Many years ago, I had an office broken into and the computers were smashed as well as the local back ups (this was before clouds) were stolen.  Luckily for me, my hard drive was recoverable after many weeks without the data and at a hefty price.  I have learned from this experience, you should to.

Visit my resources page for suggestions of the products that we use.

More next week on spring cleaning in honor of the season.

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