-What is ALL this *STUFF*- Home, Office, and Car Clutter by: ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~(Excerpts from What is ALL this STUFF-Home ClutterTeleclass and Workshop).Clutter and chaos in your bedroom could be the reason you wakeup with a headache, a stuffy nose, or runny eyes.Maybe you feel stressed out, depressed, fatigued, or distractedwhen you wake up to all your clutter and chaos.We spend 1/3 of our lives in our bedrooms. A place we go to tofind solitude, peace of mind, and slumber. But how can you expectto get a good night sleep or to awaken with vitality and energy withall that clutter facing you?~~ What's the first thing you see when you wake up in the morning?~~ Is it piles of clothes, books, newspapers, and mail all over the place?~~ Are you stepping on and tripping over stuff on your floors?~~ Do you just want to pull the covers over your head and stay in bed rather then face all that clutter and chaos?Let your world stop for 15 minutes and announce to the world,"This is the day I'm going to make a change in my life." Jump outof bed, throw back the curtains, open the shades and windows(yes, even if it is 20 degrees outside!), turn off the news, crank upsome music and do the Toss In Box!Get a box (a garbage bag will also work) and pick up everything offthe floor and do the Toss In box! (TIP: Don't stop and dawdle overany items, we'll do that later).Feel the energy?Hip Hop over to the dresser, bureau, makeup table, and nightstandsand take everything off that you don't use daily or nightly and do the TossIn Box!Feel the adrenaline?Waltz on over to your sitting area, chaise, or clothes valet andtake it ALL off and do the Toss In Box!Now, doesn't your bedroom feel better already? DON'T YOU feel better?Grab 10 more minutes, another box, a garbage bag, your car keys andsprint out to your car. Tune into your favorite radio station anddo the Toss In Box. Get rid of everything that you don't use daily(please keep your emergency equipment).
Get rid of everything that youdon't need. Don't forget to check under the seats, in the glovecompartment,and the trunk.Forget about those boxes for now. Get ready for work and with a song inyour heart, another box, and garbage bag zip off to work.When you get to the office take another 10 minutes and proclaim to yourco-workers that you are changing your ways. Go into your office, cubicle,or workspace and start doing the Toss In Box.Okay, now reality starts to sit in. You still have a lot of work to dobecauseyou have to go through ALL that STUFF! Don't panic, I'm still with you.Decide which of your boxes is the most important box to attack first.Set a date and time that you can start sorting through ALL that STUFF.What's that I hear, "But I don't have time." You have to FIND the time.Make an appointment with yourself and keep it, just as you would go tothe doctors or attend a meeting.Decide on a reward you will give yourself when you finish sorting your box,such as a new outfit, tickets to the theatre or ballgame, or my favorite, achocolate milkshake.I've developed a technique called TEASER which will give you 11 actionsyou can take to help you sort through your boxes of clutter.What? Teaser only has six letters...you'll see.
First yell, "What is ALLthis STUFF!"Get a garbage can or bag, 10 boxes and label them with the following:Toss it~~ It's not yours, you don't know who it belongs to, it's outdated, it can't be repaired, you don't need it.End it~~ You don't want it, you want to cancel it, or you don't read it.Act on it~~ Needs an action, such as your signature, phone call, or immediateattention.Store it~~ This will have three boxes: Current Stuff, Things I need to Reference,and Historical Stuff.Enter it~~ Information you need to enter into your planner or computer.Refer/Recycle/Read it/Repair~~ It belongs to someone else or you think they need it.~~ Use it again or put into a recycling bin.~~ Something you want/need to read.~~ Something that can be fixed.Be ruthless, determined, and honest and start sorting ALL your STUFF byusing the TEASER.Your next step to take is to schedule a date and time (don't forget yourreward)to act on the items that you sorted.~~ Call, write, or email the items you want to END or stop from coming intoyour life.~~ Decide how and where you will STORE your current, reference, andhistorical papers or 'stuff'.~~ Sit and ENTER all your information.~~ Pack up and take items that you are REFERRING to someone else, RECYCLING, or taking to get REPAIRED.~~ Put READING material in area you like to sit and read and create a TO GO reading folder to take with you whenever you leave the home oroffice.Congratulations! You have taken the first steps to "overhalling" your home,office, and car. Keep up the good work.If you want to know more or need additional help with your home clutter,Check out a one-on-one teleclass at http://www.overhall.com eleclasses.htm Remember, YOU control your STUFF! Don't let your STUFF control youor make you sick.Smiles, not Piles,The Organizing Wizard, , is a ProfessionalOrganizer, Speaker, and Author of 'Secrets of a Professional Organizer and How-To Become One.' She is the owner ofOverHall Consulting and Organizing By Phone. Subscribe toher FREE organizing newsletter athttp://www.overhall.com/newsletter.htm or visither web site at http://www.overhall.com Copyright ? 1999, 2000, 2001 by OverHall ConsultingP.O. Box 263, Port Republic, MD 20676All Rights Reserved. Permission is granted to reproduce, copy, ordistribute so long as this copyright notice and full information aboutcontacting the author is attached..
Retirement Planning for the Stay-At-Home Mom
When you first plan on staying home with your children, probably the first thing you do is take a look and see if you can afford it. You cut back on cable TV, buy older cars, lose retirement benefits?Whoops! Most moms don't seem to be thinking about what being a stay-at-home mom does for her retirement package. The years spent not working have a huge impact, however, when you decide to retire, so you need to plan now.Let's start by looking at what you're losing for your retirement. No 401(k) with your employer contributing towards it. No pension, although those are getting scarce in most jobs anyhow.
Less money available to put towards retirement. You aren't putting money into Social Security, so your benefits will be lower.Ouch. Being a stay-at-home mom means you lose a lot for your retirement. Socially, the stay-at-home mom, as you may already know, is not as valued by most or by our government as the working mother. Fortunately, there are steps you can take to prepare for your...
Retirement Planning for the Stay-At-Home Mom
Mortgage Banking Software
Mortgage banking software can be useful to people who are looking into buying a home.
This software can help people research the type of mortgage they are looking for and can even be used during the application process.
The story of Mary Hart exemplifies the uses of mortgage banking software.
Mary Hart resides in the quiet isolation of a New Jersey suburb. For the past couple of years she has been confined to her modest residence of a two-storied rented house.
She was left alone to fend for herself and her son, but her only source of hope; her son left for greener pastures in Washington where he took up a lucrative corporate job and rarely visited his ailing mother.
Problems with her landlord over the years left her dejected and she desperately wanted to own a house. It was that then someone suggested to her to go for a loan in lieu of her property that would eventually belong to her once her loans were repaid. Thankfully...
-What is ALL this *STUFF*-Home, Office, and Car Clutter Home loans 
-What is ALL this *STUFF*-Home, Office, and Car Clutter Home loans tax help 
-What is ALL this *STUFF*-Home, Office, and Car Clutter 
-What is ALL this *STUFF*-Home, Office, and Car Clutter Home loans tax help 
Anytime Costume Introduces How To Buy a Santa Claus Suit Costume for Both Adults and Children
(ContentDesk) December 13, 2005 -- How a consumer is going to use their Santa Suit will affect how much wear and tear the costume must withstand and how realistic the Santa Costume needs to look. A consumer's budget on the other hand, may ultimately determine which Santa Claus Costume they buy.Generally speaking, the higher the price, the higher the quality of the fabric and other materials used to make the Santa Suit. A Santa Suit with a pullover jacket will be less expensive than one with a...
-What is ALL this *STUFF*-Home, Office, and Car Clutter