Money for the Distracted Book Review: Saving Money with The life-changing magic of tidying up: the Japanese Art of decluttering and organizing

Clutter, stuff, things, what ever you like to call all of the items that magically multiply to fill every inch of your house, attic, garage, basement, shed, and storage units. Clutter eats your money like a hungry dog on a meat wagon. For people with ADD/ADHD clutter is a problem for several reasons. We struggle with decision making, we can always think of ways that said item could be useful, we have so many interests, hobbies, and things we are fascinated by, that we collect things at an alarming rate.
When we become distracted by the next thing, the items are still there from the first thing, or we buy everything we need for a project and then become distracted by another project and never get back to the first project.
Our powers of hyper-focus allow us to work in chaos that would shut most people down, but can lead to the kind of room that is ridiculously over stuffed. It can also be a constant source of friction for others that share our space.
Clutter costs money beyond the initial purchase as we spend money on storage containers for what we bought, re-purchase items that we can not find when we need them, and spend money for storage space for the excess in our lives. Kitchen clutter costs money when you throw out expired canned and packaged goods, and fresh food forgotten in the refrigerator. Clutter is a huge drain on your finances and causes stress. Many people, those with and without attention and impulse issues struggle with clutter. De-cluttering is like dieting, we all know what we are supposed to do, but damn, it is hard to stick with it, and quick fixes do not work. So, what is the solution?

Enter Mari Kondo, her amazing book The life-changing magic of tidying up: the Japanese Art of decluttering and organizing, and the “Konmari” method of tidying. Her philosophy and word choice will feel odd to some, as this work is translated from Japanese, but her ideas about getting rid of everything that does not “spark joy” when you pick it up is bang on. She does not believe that following another person’s idea of what you should, or should not discard will ever stick, nor does she believe that rules such as “one in, one out, or one in two out” will work and that in the end you will go back to your cluttered ways.

As someone who has struggled with clutter and collections forever, this book was clear, easy to follow, and gave the best advice: No one but you can decide what is enough of any type of thing, but if it does not “spark joy” it does not belong in you space. As she rightly says, “only you can decide what is enough” and if you want to keep one hundred pairs of shoes it is okay as long as you genuinely love each pair. Unlike some methods of decluttering that have left me feeling like I was forced to discard things dear to me, this method made me feel like I was in control, and that in the end it was my choice and I was very happy and felt like a weight had been lifted when I donated clothes that no longer “sparked joy” to Goodwill. We can also put some of our bigger things into Self Storage Units to help us in case we can’t get rid of them at that moment, not only does it mean that we clear our home of what we don’t need, but we are able to make sure our things are correctly stored before being given away/sold.

Ms. Kondo has a set routine for discarding items, moving you from less difficult choices to more difficult ones, starting with clothes, moving to books, and finally everything else in the order she has listed in her book. Unlike other books that recommend that you have someone else touch and hold the item you are considering, she has the person touch and hold their item while asking themselves “Does this spark joy?”.
Her method may seem quirky, but by doing this, I was able to discard half of my wardrobe. Others I have talked to that are following the “Konmari” method have discarded even more. This may sound wasteful but most people only wear about twenty percent of the the clothes they own so this a way to have every outfit you pick up be one that you want to wear, not one that gets pulled out, looked at, and stuffed back in the drawer or closet.

She also has you discard by item, a grand way to see everything of that type you own. This was a little overwhelming but she argues that we have things stored all over and that we really do not know what we own until we get it all in one place. This will be challenging, as you will need a space to work in that allows you to do this, but in the end it made the process much easier. We have discussed getting a Workshop storage shed for the backyard that we can put all these small things in as we sort them out mindfully, this can help us greatly as it means we can keep these things quickly to hand as we get through them piece by piece, whilst compromising on all the clutter without it being actually within the house.

Ms. Kondo states that it takes about six months to complete the process of discarding but to the date of publication of her book, she has had no one that needed to repeat the course or who has slipped back into their old ways.

So are you ready to give it a go and start saving money? I started the process over the Memorial Day holiday, and will keep you posted as I progress.

Thoughtful Throwback Thursday

Wondering where the time went, and looking forward to adventures to come.
Five years in the blink of an eye.
Our first Fair.
If I just concentrate I can get this thing to move.
Where is my coffee?

 

Toddlers!

 

Preschool!

 

Oldtimers!

ADHD and Money:The Slow-Cooker Method of Savings

Many ADD/ADHD people are visual people. We struggle with organization because if we loose sight of an object it might as well not exist. So what does that have to do with automatic savings? If you have the money deducted from your paycheck before you see it, you don’t miss it. I am not talking hundreds of dollars to start your savings project. If you are struggling to pay your bills, I am sure right now that you think I have lost my mind, and that you could not possible squeeze another dime out of your paycheck, or you have tried to save a fixed amount each month in the past but have ended up using it to pay bills because you started with too high an amount.

I am talking a small amount. How small? How about ten dollars a paycheck? Twenty dollars if you are paid once a month. Set it up to come out before you get your check. Most people are forced into automatic deposit, and it it very easy to set up a spilt deposit through your employer.
Ten dollars. That is all, less than the price of two fancy coffee drinks, less than two fast food meals, less than two lunches purchased at work. If you have an bank already, but do not have a savings account, open one, make sure it does not have any fees that will eat away at your savings. You can even open an on-line savings account and set it up an automatic transfer to come out of your paycheck.

Now the next step is really important. Do not look at your balance for the next year. That’s right a whole year. If you are nervous about this, have a trusted friend look at your statements for you, or if your partner is more trustworthy about money have them keep track of the balance. After one year, when you look at your balance you will be surprised at how quickly the money added up.

If you are like many ADHD people the impulse to spend it will be great. Do not do it! This is the start of your emergency fund. You know the extra money you are supposed to have sitting in the bank for emergencies? This is the seed. I know that some of you will have read about emergency fund recommendations that are so common in financial self-help books or on the blogs of sites like GoFundMe, stating that you should have three to six months of cash saved in a bank account for emergency needs, before you stop reading and give up because you can not even imagine how that would happen when you just pay the bills now.

In one year you will have $10.00 X 26 = $260.00 that is if you get paid every two weeks and save $10.00 per pay period, or $20.00 X 12 = $240.00 if you get paid once per month. It may seem like a small amount , but it is so much better than nothing. The balance will have also increased because of interest. Interest rates are pretty low right now for savings so I did not include them in the illustration, because the point of it is to prove to yourself that you can save money. It is what I call the slow- cooker method of savings.You just set it up and forget it, and just like a warm home-cooked meal that magically happens when you use a slow-cooker, the money accumulates. If you are feeling bold after the first year, increase the amount you save per month by five or ten dollars.

Many people are so deep in debt that they believe that there must be some great grand secret that everyone else but them heard at birth, and that they are never going to be able to handle their money, get out of debt, save money, or retire. This strategy also works for retirement accounts, set up as a pre-tax percentage. I am sure that there are retirement advisers, and people way better at managing money than I am, screaming right now at this approach. My guess is that they have never had the issues with impulse control, forgetfulness, or holding a steady job that many people with ADD/ADHD have to contend with on a daily basis.

Money issues come with an inner conversation of shame, guilt, embarrassment, and unworthiness about money. Setting up automatic savings can help break the pattern. Try this method, it does work. If you save anything, it is better than saving nothing. Never underestimate the ability of small steps toward a goal, or to prove to yourself that you can accomplish an project. Everyone has to start somewhere, and where you are is the best place to start.

Slow But Steady: Any Progress is Progress

I love this turtle because he helps me to remember that no matter how slow you are moving, if you keep moving you will get there. Through kids being sick, through family illness, through birth, death, and all of life’s messy bits, and most of all through your own inability to focus, if you keep moving you will reach your destination. Remember this when you are frustrated with your creative output: keep going.

I had a short fiction piece accepted this week for publication in an upcoming anthology. My kids think it is pretty awesome that I’m going to have a story in “a chapter book”, and so do I.   I’m not going to go into how long it has been since I had a piece published, or how many rejections proceeded this acceptance, or how many times I have submitted manuscripts, because none of it matters. The point of this post is this: all those days that I squeezed in fifteen minutes of writing made a difference. Not giving up is what matters. If you quit writing, it is impossible to get anything published.

I will confess to struggling mightily in the warm months to stick to my writing schedule. The lure of outside kicks my ADHD into high gear. After a winter of being inside all I want to do is play. My kids are home in the summer time, and that cuts into my writing time as well. I have some ways of dealing with kids at home and last year I posted some tips for sticking to your writing schedule when your kids are out of school, and you can read them here .

Even if you take some writing breaks over the summer, make it productive, read that To Be Read Pile, collect photographs, experiences, and memories to feed your writing later.

Most of all don’t give up, if you keep writing you will finish. Just keep moving. If you can only write one sentence, write a sentence. Like snowflakes it will add up. It may take years for you to accomplish what others accomplish in a month, it is okay, just keep writing.

Stick with it. Keep going, don’t quit, enjoy the journey as much as the destination.

Starting from Scratch

My kids think I can build or fix anything and this past weekend they asked for a pirate ship.  So after carefully surveying the collection of scrap wood and various other bits and pieces of raw materials in the basement, garage and recycle bin. This is what we ended up with:

It won’t win any prizes but they had a lot of fun helping me build it and making decisions about how they wanted the ship to look, and what amenities would be included. We had some things that didn’t work, we experimented, we were creative, and most of all we had fun.

I didn’t start out trying to teach them anything, but when they tell people the story of how they built their pirate ship, they are very proud of their contributions, and glory in the telling of how we problem solved.
Listening to them, I realized that beside being a really fun day, they had also learned a little bit about being resourceful, using what you have, and starting where you are.

I feel the same why every time I start a writing project. I inventory my lists of story ideas, found objects, interesting news bits,  and old story files to create something. Any creative project starts with an idea, a whim, a scrap of thought, a problem to be solved, or a request.

Many people say to me that they want to write but don’t know what to write about. This is my answer: Use what you have, start where you are, and don’t expect your first draft to be perfect. Just like our pirate ship, it needs the rough edges smoothed, and a coat of paint. That is what editing is all about, but you can’t edit a blank sheet of paper.

Even if you don’t have little pirates in your life asking for ships, take time to build /create/ write /draw/ photograph something. Quit staring at life waiting for something to happen, and make something happen.

Happy Sailing!

 

 

 

Adventures and Knowledge

My kids love adventures. They don’t care if it is just around the block, they see everything as an adventure.  They ask me more questions in a half hour walk than most people ask in year.  As exhausting as it can be at times, it is a great reminder, and good advice for all of us. Never stop asking questions. Keep adventuring. Learn as much as you can about everything, observe, catalog, read, pick things up, and enjoy having knowledge for the sake of knowing.

Money for the Distracted: Getting Off the Paycheck to Paycheck Merry-Go-Round

The paycheck to paycheck merry-go-round is a soul sucking ride that leaves most people feeling like this when it comes to their money.
So, how to get off? The B word. That’s right a budget, spending plan, or what ever you want to call it that does not give you  hives. A plan for your money, so you can see where it goes. Before you stop reading know that I understand that accidents, unexpected illness, medical emergencies, veterinary emergencies, and other acts of nature can shoot the best made budget out of the sky. How do you try to get out of a deep hole of debt? Here are seven tips to get started:
1. Stop. Just stop and gather all of your financial documents in one place. Figure out where you are. The library is full of books that will show you how to budget. Turn off the TV, shut down Facebook or Twitter, get off Pinterest and take an evening and sit down with your partner and lay it all out. Do it together. If you are worried about having the conversation or talking about money with your partner, read my post here for tips on how to talk about money.
2. Commitment to improving your financial situation.  Forgetfulness, procrastination, impulse spending, late payments, and general inattention cause problems with money management. Folks with ADHD/ADD struggle with all of the above. I once found a tax return that I was supposed to mail in my raincoat pocket two years after I was supposed to mail it. Why? Because in the two block walk to the post office on my way to work, I forgot to mail the tax return. Set up systems to help you keep your commitment and remember important financial dates.
3. Understand that there is a difference between being underwater because of poor money management, and catastrophic / unplanned life events. Do not see your situation as a symptom of poor character development.
4. Spending to save money is not saving at all. Too many people have bought into the whole coupons-stockpiling madness. Having thousands of dollars of food and household products in storage that rot before you use them is a waste of time and money. Yes, you can save money by stocking up when things are on sale and you have a coupon but only buy what you need/will eat, and enough to last until the next sale.
5. Figure out if you have an outgo or income problem. Do you not make enough to cover your basic expenses? If you can not afford food, housing, utilities, transportation, and medication costs on your income you have an income problem. Do you spend more than you make on non-essentials? That is an outgo problem.  No blaming here, just figure out what you need to work on, or if you need to work on both.
6. Take advantage of free resources to get help. The library is a great place to start. There are many free on line money management tools also. Check them out. Mint is a great place to start, and no they do not pay me to say that.
7. Getting out of debt is like losing weight, we all know that we should, how is the problem. Everyone needs to find ways that work for them, there is no one way. The keys for ADD/ADHD individuals is that the system needs to be simple, easy to remember, and automated as much as possible. Complicated systems that require large investments of time will be difficult for most people but for those of us with the attention span of a goldfish they are impossible.
Find a way to start your journey towards a place of calmness with your money. Financial stress can kill relationships and contribute to depression. Start where you are, be kind yourself, and believe that you can get off the merry-go-round.

A Reminder: Slow Down

 

I am traveling this week with my family, and decided to re-run this post about taking time to slow down. It is from last October when during a pretty chaotic time.  The winter proved to be just as chaotic and stressful.  If you did not get a chance to read it then here it is:

Taking the Time to Slow Down

Spring! Ohio style.
I will be back next week with a brand new post.