Personal Note from Jill

Simplifying With No Fees

Yesterday, I discussed consolidation out accounts. Today, let’s talk about the benefits of this move. Yes, there is a hidden benefit.

By having all our accounts at two organizations, it makes our checking account free – no monthly maintenance fee, no paper statement fee, no fee for bank checks, no fee for ATM use (even with ATM’s at other locations). Consolidating accounts makes our lives easier and no removes the possibility of any fees too!

This is added benefit!

Hopefully, your are not paying any banking fees associated with your bank accounts.

Simplifying Our Finances

We simplified our accounts. First, we transferred accounts so that we have less organizations to keep track of. We not have rolled over retirement accounts to once institution. One statement with all the accounts on it for each of us. Simple! Less to keep track of monthly and at tax time.

We have consolidated some debt to zero percent credit cards to get the balances paid off faster with all the payment going to the principle. We carefully chose the zero balance offor the longest time frame and no fees. Once it was done, we divided the balance by the number of months at zero percent interest and that is our monthly payment. Each and every month that payment will be made to have the total balance paid in full without any interest.

Okay, this did take sometime to research, but it will be well worth it in the long run. Now that it’s done, it simple to make one payment each month.

How many institutions do you have accounts with?

Simplifying Our Mail

Are you overwhelmed with mail? If you are like we use to be, we got a tone of physical mail. It’s taken a while, but we have reduce our paper mail more than 50%.

Step 1 for us was to eliminate unwanted mail. We called each and every catalogue that arrived to ask to be taken off the mailing list. It wasn’t as time consuming as you are thinking. WE created a pile and when we had time we made the calls – thinking wait for an oil change, waiting at a doctor’s office, etc.

Step 2 for us was to call the ones we wanted to ask that they not share our name. You are probably thinking that the privacy act does this and it does to some extent, not as much as I wanted. They are share you information with affiliates.

Step 3, in addition, we have signed up for these organization that reduce your mail:

Less mail simplifies our lives in many ways – less paper to shred / recycle, no more piles of mail to go through and not more temptation to buy what we don’t need.

Simplifying Our Meals

I cannot imagine an easier way to plan meals than being a part of a CSA. This was a huge incentive towards simplify our lives.

For us, we get an email two days before the pick up of the items of the week. This gives me time to shop for groceries, check out new recipes and plan the weeks meals. This makes my life easier as it takes the guess work out of what’s for dinner and as an added bonus gives us plenty to take for lunch and snacks.

I am able to plan the week based on the CSA items and sales / specials from the local grocery store. This is a big money saver for us.

No more, saying what’s for dinner and ordering take out. This not only helps our budget, but it’s a time saver too. For most people, food (groceries, eating out, take out, beverages, etc.) is the biggest part of your budget. Meal planning helps us to plug the holes in the budget easily.

Simplified By Joined A CSA

One of my goals has been to eat healthier. We have made many changes over the years by eliminating chemicals and not so healthy ingredients in foods we buy. This year I took it a step further to simplify my life. We joined a CSA (Community Supported Agriculture) co-op. You pay a fee to the farmer upfront and you get a share of the crops. Not only are you helping local farmers, but you gain from this.

If you know me, I want organic, non-GMO vegetables. We found Deep Roots Farm NY is just prefect for us. We now get a half share of whatever the farm has to offer. Yes, we are eating more vegetables. We are trying vegetables that we never have before. I am spending time looking up .ecipes and that’s fun for me.

From a simplification point, I don’t have to buy vegetables in the grocery store anymore. We are getting organic vegetables at a fraction of the cost. Our half share comes out to $20 per week. That’s a bargain compared to what I used to spend and it’s simple. Every Wednesday, we pick up a shopping back full of vegetables and it couldn’t be simpler.

My Journey To Simplify

After having time to reflect these past few months, I have come to the conclusion that I want to simplify my life. I have too much going on and don’t want to run around at this hectic pace anymore. If I have learned anything these past few months, it’s to slow down. I have enjoyed our daily walks in the neighborhood, meeting new neighbors and just seeing the beauty of the area. These little simple things are making me happy.

What I realized is that I want more free time to do what we want when we want and not be guided by a to do list a mile long and what people expect of us. So with that said, join me for the month of July and see what changes I am making. Some changes will be with finances in mind, others will be my lifestyle. Stay tuned to find out more.

Tell me what you have done and that may inspire me to do the same. Make sure to subscribe to my newsletter so see everything.

What Have You Learned?

This year has been like no other year. I like so many of you have been at home for months, only going out to buy groceries and to work.

I have had a lot of time to access my life to see what is working and what isn’t during this time of staying at home. Here are some of the questions, I have pondered:

Do I have enough of an emergency fund? My answer was we were okay for a few months but need to build this up.
Do I really need to buy this? I came to the conclusion that I spend too much on things. That is changing.
What really matters? I really miss the interaction with family and friends. Yes, there are internet platforms, but it’s not the same for me.
Do I want to keep writing this newsletter? Still pondering this, but leaning to less often.
What has to change in my life going forward? Still working on this one.

I was also able to accomplish some projects that I have wanted to do for a while. I completed a big scanning project that I have been trying to do for 10 years. We replaced some grass in front of the house with new plants. The biggest accomplishment we have achieved is that we are walking every day for 45 to 60 minutes.

What have you learned / done during this stay at home period?

Our Financial Literacy Month Tips were From Thrive in Five

I was so happy to give you a month of savings ideas for Financial Literacy Month. I really hope they inspired you to think about your future and what you can do today to make your dreams a reality.

Every tip I shared with you was from my book, Thrive in Five. In Thrive in Five, I suggest improvements you can make to your finance situation in just 5 minu thrive_250 tes a day for 1 full year. I ask you to take a hard look at how you do things and to make small changes with big impacts.

Each chapter is a month in the year.

January – Analyzing Your Bills
February – Reduce or Eliminate Expenses
March – Saving More
April – Organization
May – Clutter Cleaning
June – Selling or Donating
July – Credit
August – Debt Reduction
September – No Spending Month
October – More Income / Planning Ahead
November – The Holidays
December – Money Drains

Because I wanted you to focus on your savings, I gifted you 30 Tips for Financial Literacy Month.

If you want to make big improvements with small steps, do get the book!

Soft cover book available for $18.95. Ebook available for $14.95.

Available at BookLocker, Amazon and Barnes & Noble!

		Paperback		EBook
		Paperback		Kindle
		Paperback		Nook

What To Do At Home

In these troubling times, people are staying home more. We are doing the same by staying home and limited what and when we go out. After a while, it can be pretty boring. So here are some suggestions that we are doing:

Have you wanted to visit a National Park? Now you can tour them from the comfort of your home with virtual tours.
How about seeing a famous museum? You can see some of the world’s famous museums from your sofa.
How about your local library. Ours is closed, but we have many digital options, such as music streaming, digital books and comic books (audio and e-books) (Overdrive), magazines (RB Digital), movies and TV (Hoopla and Kanopy), newspapers, online courses (Great Courses) and more. Try it, you may like it – we do.
Start a project that you have been meaning to do. I have been doing projects in my home in my spare time for the last few years to get more organized and have accomplished so much, but there is more to do. I have completed sorting all family photos, movies, slides and there are all digitized. I have sorted paper records and scanned, shredded and tossed. I was able to sell three filing cabinets by getting rid of paper. Now I am tackling my father’s newspaper clippings.
Catch up on those books that have been sitting on your night stand.
Now that your home, you may want to cook more meals or try a new recipe.
If the weather is nice in your area, it’s spring and time to get out in your yard.
What can you do to help out a family member or neighbor? Maybe they need someone to talk to. Check in with these people by phone, video chat and email.
With our gyms closed, we still want to exercise. We have been taking daily walks around the neighborhood. If you want something more formalized like a class, many gyms are streaming virtual workouts that you can follow at home.
Support your local community. Several people in our town have contributed money and purchased take out food to help the local business and had them delivered to our hospital’s emergency room. Please check with both the business to see if they are open and have the delivery capacity as well as if the recipient can accept the gift.
Miss not going to a Broadway show? Playbill is giving you the information to be able to watch some of your favorite Broadway shows from home.

For more suggestions, here’s are more from USA Today and Lifehack

What area you doing? Let me know.