Organize your Bill Paying to Avoid Stress and Worry

Bills can create headaches and cause stress for all of us. They all seem to come due at the same time, and there never seems to be enough money to make ends meet. Factor in the time involves writing checks, addressing envelopes and hunting down postage stamps, and it's a chore many of us would gladly relinquish. But with some simple planning and organization it's a task that can become easier and less stressful.



The first step is to establish a central location in your home. Make sure all the tools you need are in the same location: an inbox or folder to store incoming bills, pens, postage stamps, envelopes, your checkbook, a calculator and your computer if you use financial software or online banking services. Then when the time comes to sit down and pay the bills, you're not left hunting and searching for that lost light bill.



Develop a list of your bills that includes the type, the average amount, how you're billed (online, through the mail, or by automatic deduction from your bank account) and the due date. If your utility bill tends to stay the same from month to month, notate that on your list so you can easily determine how much to budget. File this list with your other tools.



During this process you might have discovered that your due dates are scattered all over the calendar, which can make paying bills in a timely fashion difficult at best. Contact the companies and see if they'd be willing to change your due date to more closely adhere to your payment schedule and to more closely coincide with the due dates of other bills.



Online bill paying is a great way to not only save money on postage. If you choose to be billed electronically, it can reduce the amount of mail you receive and have to file. Since most payments post to your account quicker than a bill paid traditionally, it also allow you to correct a bill paying mistake quicker and avoid problems as a result. Most banks offer online bill paying services, and many companies have bill paying options online.



It's probably a good idea to consider paying bills twice a month, or each time you receive your paycheck. Scheduling bill paying as a regular task will make it easier to deal with and will decrease the chances of missed or late bills.

Optimize your Kitchen Organization and Simplify your Life

Our kitchens are easily the busiest room in our homes. From cooking and entertaining to a place for your kids to do their homework, play board games or work on their arts and crafts projects, it can be easily overrun with art supplies, outdated spices and unused or damaged utensils.



Go through your kitchen and discard anything you don't use, along with any food, spices or medicines kept in the kitchen that are beyond their expiration dates. Then take everything out of your cupboards and drawers, and wash the insides with warm soapy water. Rinse, let dry and replace cupboard and drawer liners with fresh, new ones.



Store pots, pans and cooking utensils near the stove, nesting the pots and pans together to conserve space. Make sure each one you choose to keep has a matching lid. This is also a good time to make sure handles are securely fastened, so keep a screwdriver handy to tighten down skillet handles or pot lids if necessary. Keep your dishes and silverware near your eating area or your dishwasher to shorten meal preparation or cleanup time. Plastic storage containers should be inventoried to ensure each has a matching lid and that they are free from cracks or other damage. Store them near your refrigerator to ease meal cleanup time.



Alphabetize your spices and keep them near the stove on a spice rack or in a nearby cupboard on a revolving rack. Store food items that you use on a daily in a place you can easily grab them when needed. Organize your pantry so that similar canned goods are in the same place and can be found easily when it's time to cook meals. Make sure your children an easily reach items they use on a regular basis, and make sure items such as knives, scissors, and household chemicals are out of reach and secured in a locked cabinet. Utilize airtight food storage containers to lengthen the shelf life of your foods.



If you have small appliances on your kitchen countertop that you don't use on a regular basis, remove them and store there in a nearby cupboard or pantry. A countertop storage cabinet for those appliances that are used on a regular basis keeps them out of site and helps reduce the countertop clutter.

Make your Closet Easily Accessible

Okay, you've finally reached your breaking point. The stack of handbags and purses on the top of the closet shelf toppled over on top of you again, not to mention the mountain of shoes you trip over every time you have to get something out of the closet. You're at your wits end about what to do, and haven't a clue where to start. You've got to figure out a workable, affordable solution and make your closet more user-friendly. Try some of these simple tools to help you get your closet space under control.



A double hanging rod is a simple addition and gives you double the hanging space. It simply hangs from your existing rod. You can also hang sweater or shoe bags from your existing rod to store sweaters, purses and handbags, hats, and other accessories and place them within easy reach. There are also several clever options for storage that hangs from the top of your closet door.



Take a stroll down your favorite discount store's home organization aisles. You'll find many clever ideas for affordable storage. Sturdy bins and colorful baskets can be an easy and affordable addition to your closet, and make the job of maintaining it a snap.



And since you've most likely got a sizable investment in your wardrobe, it makes sense to do your part to care for your garments properly. Place coats, suits, furs, formals, and other expensive items in protective storage bags. Invest in some good, strong wooden hangers. Protect these items by having them properly cleaned before storing, and enclose in zip-up hanging bags.



Wooden clothing hangers are much better for your clothes. They're durable and long-lasting, too. Depending on the size of your wardrobe, it might be expensive to replace them all at once, so you might want to consider replacing them gradually.

42 Learn to Cook for the Week Ahead and Save Both Time and Money

Okay, so you've worked hard to get your home organized and you've developed some strong skills to use at the office as well. You might be thinking you have it all covered at home since your pantry is organized immaculately and everything in your kitchen has its place. It doesn't change the fact that you're still busy working all day and driving kids to practice, running errands or taking care of your household in the evenings. Another thing you can learn to do to simplify your life is to plan your meals and cook in advance.



Meal planning and bulk cooking are both wonderful techniques you can utilize and modify to fit your families needs. The idea behind this is simple. The principle is that you cook and or prepare your meals ahead of time and then preserve them by either freezing refrigerating them. It can also help stretch your food budget dollar further, since you can cook one large meal and get two or three other meals from it with the proper planning.



Start by writing down a list of your favorite meals and plan on preparing a grocery list that will coincide with your menu. Since you're learning to cook in bulk, your shopping list will have to change accordingly so you're sure to have enough ingredients on hand when the time comes to do the cooking.



The most important tool in meal planning and bulk cooking is your freezer. Freezer bags are a great space saver if you have a small freezer. You can fit many in the same space of a few storage containers. Be sure to incorporate lots of quick and easy meals that your family can warm up and serve themselves in the event you're not able to be at home for dinner or you just need to grab something that's quick.



You'll also learn to love your slow cooker. Experiment with different recipes and variations on your favorites. They also make easy work of cooking whole chickens or roasts which can be frozen or refrigerated for later use very easily.



You're only limited by your own imagination when cooking in bulk for the week ahead. Factor in the time you save by not having to do a lot of after dinner cleanup or dishes, and you'll be glad you took the time to master this important organizational skill.

Laundry Room Logistics

The first step is to develop a routine in your family for making sure their dirty laundry is delivered to the laundry room on a routine basis. If you've established Wednesday and Sunday as laundry day in your home, then laundry needs to be delivered to the laundry room no later than Tuesday and Saturday nights. Each person should be taught to sort laundry into designated hampers in the laundry room. Younger children should be accompanied by a parent or older sibling when the time for this chore comes, but encouraged and assisted in the sorting process.

Maintain a laundry basket or bin for each family member. Once clothes are washed, dried and folded, place them into each basket and deliver them to their bedrooms. Older children should be capable of putting laundry into drawers and on hangers themselves. Younger children again will probably need assistance, but their independence should be encouraged.

Make it a habit of keeping on top of the laundry supplies. Make sure there are always plenty of soap, stain fighter and fabric softener available. Nothing can be more aggravating than finding no laundry soap available when you have six loads to be done.

Make sure your laundry room has a separate and clearly labeled bin for items that need to be dry cleaned. Make sure that this bin is emptied as often as needed and that items are delivered and picked up from the dry cleaners promptly. Have another bin set aside for items that need to be repaired or that need buttons replaced. Tackle this bin at least twice a month so that it does not become overwhelming.

Kick your Pack Rat Tendencies to the Curb

The main problem for a pack rat is what to do with all the stuff he or she accumulates. Being a good organizer does not necessarily mean you have to get rid of everything you have, but it does mean keeping things in an organized and orderly fashion so that when the time does come to use it, you'll be able to find it. Organized pack rats usually find space to store their stuff in one place. A disorganized packrat can become overwhelmed by 'stuff' and their family life and mental health can suffer as a result. It's very easy to get depressed and feel blue when it feels as though the clutter is closing in on you.

Ideally, a pack rat should strive to keep those things that are truly important, throw away the detritus, and maybe have a yard sale once in a while. Some community education programs offer one-day classes on organizing closets and homes, and these may be helpful if the clutter level is getting unmanageable.

Sometimes it's very difficult for a packrat to break the habit of hoarding and keeping things. If you have a family member who is a packrat, offer to help them weed through their belongings and get a handle on the situation. If the packrat is you, it's time you asked yourself some honest questions. Make the process of weeding through things as pleasant as possible. Most likely you'll be able to have a huge yard sale, or some community organization will benefit greatly from the donation of your unneeded items.

After you've purged your excess items, work on developing a long term organizational goal that will send up a red flag to warn you if you are beginning to collect too much stuff. Remind yourself how hard you worked to get rid off the excess and how good you felt afterwards. Take a picture of your house in after mode, and look at it every time you thing you're starting to slip back into your old habits. Keep on top of the clutter so the clutter doesn't overwhelm you in the end again.

Keep your Kitchen or Dining Room Table Clutter-Free

Kitchen or dining room tables can easily become a catch-all for everyone's belongings. Mail, school books, car keys, pens, pencils, and other miscellaneous items can quickly appear, and at dinnertime, end up in a large pile of clutter somewhere else in your household.



To curtail this habit, try organizing a central area for everyone's belongings right inside the door to your house. Install hooks on the wall so that purses, coats and backpacks can easily be hung upon entry. A bench or short shelf can be placed directly underneath the hanging area for clearly labeled catch-all bins for each member of the family. This will also help during the course of the day when picking up around the house. Items found around the house can be placed in these bins, and each family member should get into the habit of making sure items are emptied from the bins and properly put away each evening.



If your kitchen table doubles as an arts and crafts studio or location for your kids to do their homework, make sure that there are bins, shelves and containers nearby that neatly organize school, office and arts supplies, and keep them within easy reach. Help establish good habits in your children by ensuring they are held responsible for putting these things away as soon as they are done using them. Make sure snacks are kept on plates and drinks are kept on coasters to ease cleanup time.



A nicely decorated table spread is also an ingenious way to keep the table from becoming cluttered. Spread a nice tablecloth and place a large centerpiece on it, or even set four or six formal place settings on a dining room table that is not used for meals each evening. Your family will be less likely to lay things on these tables since they can see there are already things there. You'll also be ready for company at the last moment this way.