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Fun and More Fun! Another $15 Saved

…worries about that — and we found out we owe the taxman a little LESS than we had in our heads — and our savings account. We won’t be much help in the Financial Fling Boogie when it comes to paying extra on our credit card bills; we use our cards so little, we always pay them in full. I’m still saving money left and right. We just filed our income tax return today, and most of it is going to pay off two HUGE debts! We are freeing up…

Saving $15 in the home

…anxious about building up our savings account (we’re newlyweds) that I have just been paying the minimum on our credit card debt. Well, I’m taking the plunge — using the money we have saved to pay off the credit cards. No more credit card debt and our savings account will grow even faster once we don’t have all that interest building up. I’m looking forward to a hefty total to post on the third. 🙂 Letting go and flying…

Children

…we are encouraging our friends and family to buy us camping supplies in lieu of toys. Things we can use year after year for the upcoming camping trips. No more toys that are forgotten in 2 days. Teenagers/College “Gift cards!!! Inspired by you last year, I gave my DSs, 11 and 13, 52 movie passes each and a Blockbuster gift card each. In comparing Pre-FACE costs with this year, I actually have saved money on their recreational activities,…

$15 Savings on the Clothing and Vehicle Budget

…doctor if my boys could get off the high-end epilepsy meds (that aren’t doing any good) and stay on the lower cost one that we know works. He said yes, for a savings of $60/month. Lastly, we took our high-interest rate card and divided it among 2 cards, one at 5.9% (never increases unless I miss a payment… not happening this time!) and one that is 0% for 1 year. We will be saving about $300/month. This should make a considerable dent…

Paying My Bills Online

…is portable. You can write a thank you note, address a birthday card or send a real letter to an old friend. You don’t have to procrastinate because everything is in one place. I use my Office in a Bag for my greeting cards. I can always find a card because I have them in sheet protectors per category; Birthday, anniversary, graduation, condolence and thank you cards. Everything is there that I would need to get a card ready to mail. So…

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Help Me When it Comes to Bill Paying

…is portable. You can write a thank you note, address a birthday card or send a real letter to an old friend. You don’t have to procrastinate because everything is in one place. I use my Office in a Bag for my greeting cards. I can always find a card because I have them in sheet protectors per category; Birthday, anniversary, graduation, condolence and thank you cards. Everything is there that I would need to get a card ready to mail. So…

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Help Me Organize My Bills

…is portable. You can write a thank you note, address a birthday card, or send a real letter to an old friend. You don’t have to procrastinate because everything is in one place. I use my Office in a Bag for my greeting cards. I can always find a card because I have them in sheet protectors per category: Birthday, anniversary, graduation, condolence, and thank you cards. Everything is there that I would need to get a card ready to mail. So…

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Get Organized One 3×5 Card At A Time

…sign.) I am currently sitting on 70. (No, not miles per hour, years) and living in my tiny scaled down house, retired from my work as a therapist (undergrad & grad degrees from 6 different universities attained one 3 x 5 card at a time…thank you very much), with the man who drug me through fifteen more homes (did I really say that?) after that tenth beauty where you found me. We will celebrate our 50th wedding anniversary in May. (What…

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Help Me with Bill Paying

…is portable. You can write a thank you note, address a birthday card or send a real letter to an old friend. You don’t have to procrastinate because everything is in one place. I use my Office in a Bag for my greeting cards. I can always find a card because I have them in sheet protectors per category; Birthday, anniversary, graduation, condolence and thank you cards. Everything is there that I would need to get a card ready to mail. So…

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Women

…with the plastic bottles and cardboard carrying case). Remove the two middle ones and in one side stuff a couple of bags of microwave popcorn and in the other place a couple of bags of M&M’s and a movie rental gift card. Add some ribbon and a card saying “Have a great Date Night…I’ll keep your Kids! – in Texas The most favorite “clutter free” gift I have ever recieved was my hobby size P Touch label…

Help Me Organize My Bills

…is portable. You can write a thank you note, address a birthday card, or send a real letter to an old friend. You don’t have to procrastinate because everything is in one place. I use my Office in a Bag for my greeting cards. I can always find a card because I have them in sheet protectors per category: Birthday, anniversary, graduation, condolence, and thank you cards. Everything is there that I would need to get a card ready to mail….

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Paying My Bills Online

…is portable. You can write a thank you note, address a birthday card or send a real letter to an old friend. You don’t have to procrastinate because everything is in one place. I use my Office in a Bag for my greeting cards. I can always find a card because I have them in sheet protectors per category; Birthday, anniversary, graduation, condolence and thank you cards. Everything is there that I would need to get a card ready to mail. So…

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Grandparents

…ms are on a fixed budget we thought this would be great. We filled it with small items that run big money. Stamps, postcards, film, money cards to the RX,(meds get expensive) hair salon certificates, (runs up every week) gas cards, phone cards, one paid visit to the vet for the cat, carwash coupons, some fun things, and family joke items.the list goes on. Make it personal. We wrapped every item seperatly, and two years later she is still talking…

FLY Sense #10: Fine Print

…eir offers and then hound you until the debt is paid, all the while bombarding you with more sales literature that comes straight into your home via the mail. While you have your magnifying glass out, find one of your credit card statements and read the fine print on the back of it. Do you know what percentage rate you are being charged for your credit card debt? Oh, and don’t forget your installment agreement on your car debt — read page two!…

Other Special People

…se families have taken me in as one of their own. Instead of gifts for each member of my other family I would get the family as a whole a gift. I would get a large bowl, or gift bag to put everything in. Inside would be gift cards to the local pizza joint, gift cards to the movie rental place, and microwave popcorn. It was the easiest way for me to incorporate the entire family and encourage them to spend more time together.Coming from a large…

FLYing with Big Families

…have left for their own homes, and five at home with either school, or new job, and one handicapped daughter. (She has down syndrome and autism). My best hint from the busiest past years is – to make a bunch of little cards, like place-cards, (just cut up 3×5 cards that the kids always use at school for notes, etc.) in even sized pieces, and write one job per card. Example: empty dishwasher, sweep kitchen floor, wash pots and…

The Perfectionism Monster

…ing rooms or waiting in our cars for our babies to join us. This is time that we never do get back. For years I have used my version of our Office in a Bag. In it I kept my checkbook, pens, pencils, a colored pen for signing cards, greeting cards, thank you notes, my address book, postage stamps, a calculator, paper clips, a little stapler, a ruler, some graph paper, a high lighter, some pretty stationery, some plain paper and a little notebook…

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Calling Card

…FlyLady Calling Card  …

Classic Gifts For Children and Families

…ntary kids and up, involving rules, strategy, and memory. The rules for card games are accessible online. Some card games require a special deck of cards, like Uno, but others just require one or two decks of regular playing cards. Cards come with all kinds of interesting pictures and designs, and a deck of cards is a great stocking stuffer. Puzzles are great for developing problem-solving skills, eye-hand coordination, and visual skills. Many…

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Column 03 The Perfectionism Monster by The FlyLady, Marla Cilley

…ing rooms or waiting in our cars for our babies to join us. This is time that we never do get back. For years I have used my version of our Office in a Bag. In it I kept my checkbook, pens, pencils, a colored pen for signing cards, greeting cards, thank you notes, my address book, postage stamps, a calculator, paper clips, a little stapler, a ruler, some graph paper, a high lighter, some pretty stationery, some plain paper and a little notebook…

How Handy It Is

…add the “year” to the date–comes in handy when you want to recognize one of those memorable years). To then make my task even easier, I have also written the mailing address on the post-it. As I peruse the card racks, I place the post-it on the front of the chosen card. And because the clerk at the cash register is only interested in the bar-code on the back of the card, I don’t have to worry about keeping them in…

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September Habit #30 I Learned My Lesson

…classic car (my DH is a car guy) and stopped at this hobby store because it was nearby. The car dealership and hobby store, however, are two hours away from our home! I had to drive four hours round trip to pick up my Debit Card. To get there, I had to use a Credit Card to put gas in my car because I was on “E” and I didn’t have any cash. So, I wasted a huge chunk of the day and didn’t accomplish what I needed and wanted…

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Holiday Musings: Shopping Tips

…e your disposable income. Guess what? Your money is not something to be flushed down the toilet. Your money has a value to you and your family. Let it be a tool, not a flush! 11. To help you curb your purchases with a credit card, debit card, check book or cash: put a FLYLADY image on your plastic card, checks, and your money. This will make it harder to use. Each time you use them this will bring your spending into your awareness. Put all your…

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Men

…at) inches! (I think I just figured out what DH will get for Christmas this year. coupon book #2!) Flybaby in Scottsdale, AZ My dad loves to garden. It’s his passion in life. For Christmas, I’m getting him a gift card to our local garden supply store. When spring gets here, he can use the card to purchase the items he wants to put in his garden in 2004. – Flying in Missouri (without the clutter) check out how their gear is…

The Perfectionism Monster

…ing rooms or waiting in our cars for our babies to join us. This is time that we never do get back. For years I have used my version of our Office in a Bag. In it I kept my checkbook, pens, pencils, a colored pen for signing cards, greeting cards, thank you notes, my address book, postage stamps, a calculator, paper clips, a little stapler, a ruler, some graph paper, a high lighter, some pretty stationery, some plain paper and a little notebook…

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No Whining Card

Happy Birthday To Me, I’m Now Debt-Free

…I wrote you and told you that I planned to give myself the birthday present of paying off my credit card. Well I gave it to myself a month early. I paid off my credit card last Friday. And today I paid off my month to month card. The month to month is a low limit card. I pay off with every pay check and bank the reward points. I am saving up for a new laptop. Well, anyway, I paid it off. So today is the first time since my divorce in 96 that…

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11 FLY Sense Commandments for Shopping

…take your disposable income. Guess what? Your money is not something to be flushed down the toilet. Your money has a value to you and your family. Let it be a tool, not a flush! To help you curb your purchases with a credit card, debit card, check book, or cash, put a FlyLady magnet in your wallet. This will make it harder to use, because you’ll have FlyLady as a reminder that you’re trying to control your spending. Each time you use them this…

Starting Over

…a failure because the card file was somewhere out in the garage in a box and that it no longer worked because my life has changed and all I needed was to start fresh with the life my hubby and I have now and work it into the cards. What’s so exciting is the card file now holds an organizational system that is half household chores and half travel, entertainment and fun! I mind really well just like you and if a card says, “Go to the show” we go!…

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Clueless in Minnesota

…till while I verified all the credit card debt, with balances, interest rates, and monthly payments. Sheesh! I never knew what we actually owed, or what the interest rates were. Financially clueless? Yep. I called the credit card companies, as you suggested, and got the interest lowered on 3 of the cards, a total of 14 percentage points! Another said to call in January and they would lower it then! I also got them all put in order of what gets…

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You Haven’t Failed, You’ve Changed

…at as our lives change, the system had to change with it…duh! If the system worked for you once, and you’ve got your card file somewhere in the attic or basement, you didn’t fail, you changed! Now you’re different…more mature, wiser; BUT you’re still a SHE. Maybe it’s time to start fresh. And now you can have the system on a CD or you can download it at a very affordable price (you print out the cards on card stock). Plus, when you order the CD…

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FLYing Lesson: Vacation Planning and Packing

…er or an index card and label one for each of the family members going on the trip. On this card, list everything that needs to be packed for this person. If you have older children, you can pass this off onto them for their card. Make a card that is labeled “Food to take” and write those things down so you don’t forget them. If you can, put all the vacation food in one place so you don’t forget anything. When you are…

Let Your Light Shine

…nd it didn’t matter what order they were in. If getting dressed popped up at 3 in the afternoon that was when I did it, that is so alien to me now. I also had way too many cards. With my perfectionism, I thought if one card was good then a card for everything I do would be much better. Boy was I wrong. That abundance of cards was overwhelming! I would give up! Giving up is our lack of persistence. We do this all the time when we say we…

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Are You Tired?

…ople to help me. You know those self-help books we buy. We buy them and don’t read them. We just expect them to work through osmosis. The first thing I learned was that I had not ever established a habit! I allowed the cards to tell me what to do; instead of using the cards as a framework to build my habits on or as a checklist. The second thing I learned is that I love the ideal of having an organized home. Did you hear that one? I…

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October Habit #1 Your New Habit for October

…tay focused. 21. Computer printouts from FlyLady email and other websites: Don’t print, file it in the computer. Delete all my emails, the basic messages are on the website. Besides I recycle them all the time. 22. 3X5 cards: If you have old card files, throw them away. They seem to lay a big guilt trip on us for setting them up and not doing them. Purge these from your home. Set up your routines with them and toss them. This is what I…

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High-Stakes Testing

…ent will drop out of high school. If the school system is considering retention for your child, make an appointment for a conference with the teacher and discuss the research on retention. The third quarter grades and report card are probably out, giving parents an opportunity to have a sneak preview of what’s going to happen at the end of the year. Now is the time to address any problems your child is having with grades, because the final…

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Let Your Light Shine

…nd it didn’t matter what order they were in. If getting dressed popped up at 3 in the afternoon that was when I did it, that is so alien to me now. I also had way too many cards. With my perfectionism, I thought if one card was good then a card for everything I do would be much better. Boy was I wrong. That abundance of cards was overwhelming! I would give up! Giving up is our lack of persistence. We do this all the time when we say we…

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Paper Clutter Dissected

…current they go in your Office in a Bag. Reminders are trash Offers are trash; shred them or burn in your fire place Money off vouchers. no clue but they are probably are dated and have expired. Letters; letters from credit card companies are just wanting you to get more credit cards; dispose of them carefully in the shredder or fireplace for kindling Junk mail I know to toss these now Junk mail has to earn the right to come into your home….

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Paper Clutter Dissected

…current they go in your Office in a Bag. Reminders are trash Offers are trash; shred them or burn in your fire place Money off vouchers. no clue but they are probably are dated and have expired. Letters; letters from credit card companies are just wanting you to get more credit cards; dispose of them carefully in the shredder or fireplace for kindling Junk mail I know to toss these now Junk mail has to earn the right to come into your home….

Posted in Uncategorized

Paper Clutter Dissected

…current they go in your Office in a Bag. Reminders are trash Offers are trash; shred them or burn in your fire place Money off vouchers. no clue but they are probably are dated and have expired. Letters; letters from credit card companies are just wanting you to get more credit cards; dispose of them carefully in the shredder or fireplace for kindling Junk mail I know to toss these now Junk mail has to earn the right to come into your home….

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