How to Clean Up Your Financial House This Spring

When you think about “spring cleaning”, you probably think about getting rid of all that clutter in your closet, sweeping, dusting, and maybe holding a yard sale. While spring cleaning usually means getting your house clean and organized, it can also relate to your financial house as well. This spring, take some time to spring clean your finances so you can stay on track throughout the rest of the year.
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Get organized
There’s no way to have a firm grasp on your financial house if it’s all disorganized – papers here and papers there, important documents haphazardly shoved into drawers and boxes. You wouldn’t leave your closet full of junk during spring cleaning, so don’t leave your finances full of it either.
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The first step is to go through all of your paper documents and figure out what is important and what isn’t. Throw away bills and other documents you no longer need. All of your important documents should be stored in a simple-to-use filing system.
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Next, you should consider scanning your paper documents and creating digital backups. It helps to have your important documents available in both paper and paperless formats.
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Finally, you should go through your bills and determine which ones can be switched over to paperless. Most companies – from cable, internet, electric, gas, and even city water – offer paperless service. It’s much easier to know which paper documents are important when you don’t have a dozen useless paper bills coming through the mail slot every month.
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“Doing so quickly eliminates paperwork because you’ll no longer receive those bills in the mail, and it also guarantees you won’t forget to pay them … avoiding late payments also helps you improve your credit score over time,”notes US News & World Report.
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Reevaluate your budget
We’ll assume that you set up a household budget at some point. If not, that should be your first step. If you already have a budget, it’s highly likely that it needs some fine-tuning to account for new expenses and changes in income.
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Now is the time to take a look at everything – your student loans, credit card debt the cost of childcare, daily living expenses, etc. Look for ways to make cuts in bloated areas and focus on how you can budget more money for the paying down of debts and for savings.
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“Take a look at your current situation and your future goals and consider revamping your budget, tweaking your investments, ramping up retirement contributions, and adjusting your withholding,” suggests USA Today.

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If you’re having trouble budgeting enough money for savings, it may help to set up auto-deductions from your paycheck that will automatically go toward a savings account. Remember, without that emergency fund and nest egg for retirement savings, your financial house is standing on a shaky foundation.

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Reduce the amount of plastic in your wallet
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If you’re like many Americans, your wallet may be bursting with different types of plastic. You may use multiple credit cards, or you may just use one or two but still have a half dozen sitting in the back reaches, gathering dust. Either way, it’s important to pare down your plastic reserves.
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If you have cards that have low balances that you barely ever use, pay them off and get rid of them. Reassess your interest rates on your existing cards and work on stocking your wallet with the best possible cards for your situation.
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“Once you have an accurate credit report, check the interest rates you pay on balances and compare the rates with other cards. You may be able to use that as leverage to improve your credit card terms,” notes Bankrate.com.
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In order to keep you and your family on track this year, it’s vital that you take some time this spring to clean out your financial house. Get organized, take a second look at your finances, and work to get your credit card debt under control. If you do those things, you’ll be well on your way to “cleaner living” this year.
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About the Author
Gloria started WomenLed.org to celebrate the advancements women have made and inspire women to become entrepreneurs and seek promotions in the workplace.

A Spring Clean Should Begin Within

A Spring Clean Should Begin Within
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Hello friends, instead of my normal Friday Foodie Feature, I am putting a little twist on it.
How did you kick off your Spring clean…did you de-clutter and rid your home of unwanted or unnecessary items from your closets and dresser drawers? As you can see, I am still working on it, trying to gather all the clothes and shoes that I hadn’t worn all winter.
I keep a box in the upstairs hallway and once it gets full everything gets bagged up and driven to Goodwill – soon it will be time for a trip!
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So if you’ve gotten the house cleaned and de-cluttered, it’s time to do the same for your body. Remember a Spring clean should begin within.

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If you listen to my Podcast on Sundays at 6 then you know that during the time that I am on live, there is always a pot of greens cooking on the stove, whether they are Collards or Kale.

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I was raised by a grandmother who always had to have a vegetable as part of her meal because she felt it wasn’t complete without one. Eating healthy was the only way to keep her body strong and she would have known because she lived to the age of 98 and the only ailment she had was arthritis.

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Most of you have read about the various Colon Cleanse products on the market which are supposed to help your body rid itself of poisons and toxins that enter our bodies daily.

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I am, however, not one who advocates replacing meals with a gallon of Lemonade made with Cayenne Pepper or popping pills that put me in the bathroom all day.

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I only use natural healthy ways to cleanse, such as drinking boiled Parsley or Cilantro or a shot of Apple Cider Vinegar in water. One of my grandmother’s favorite digestive aids was to drink a glass of “pot liquor” which is essentially the juice that remains in the pot after you’ve eaten all the collard greens.

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Green Smoothies are another way to get a natural healthy cleanse and there are a millions of recipes on the internet, but blending any fresh fruit and veggie together with water or an Almond or Rice milk will work.

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A few years ago, I listened to an interview with TheHerbSistah and her recommendations were to use natural ingredients to help men and women cleanse and detoxify.

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I believe that incorporating Superfoods into your diet is truly the best way to keep yourself regular, so remember to add a few of these goodies to your grocery basket the next time you shop.

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*Salmon                       *Kale

*Tuna                           *Eggplant

*Avocado                     *Tomatoes

*Walnuts                      *Carrots

*Almonds                     *Sweet Potatoes

*Olive Oil                     *Apples

*Flax Seeds                  *Oranges

*Blueberries                *Butternut Squash

*Raspberries               *Spinach

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Cooking healthy SMLXL

Superfoods not only help you cleanse and rid your body of harmful substances, but they also fight off any harmful agents that may be trying to attack your system. You can keep those nasty bugs and virus’ at bay with a natural cleanse if you eat plenty of fruits and vegetables.

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Now that your insides are cleared and cleansed you will be more energized and ready to tackle those cabinets and closets!

 

What are you favorite veggies?

 

 

De-Cluttering and Organizing Your Virtual and Physical Space

How many email addresses do you have?  Between my personal email addresses, my work email address and my businesses email addresses, I have too many, actually there are 5 and sometimes when I open up one of these accounts, I get heart palpitations!

I literally have to schedule time to unsubscribe to the sites that I may have signed up for to get info or free products to promote on my blog because they have sold my email address and next thing I know I am getting emails from companies that I would never ever have subscribed too – no I don’t need a date with a Russian woman and no, we don’t need a prescription for the little blue pill – please!

Some people can clear out their entire inboxes out in one sitting and if you are one of those – I applaud you, but if you are like me, listen to a few tips on how to cut down the email clutter!

Special guest is Kelly Jones, owner of The Cleaning Girl, Inc.

Social Media Sunday with the Delaware Blogger on AAU Teen Talk Radio every Sunday at 6:00 PM EST ~ CALL IN NUMBER (516)- 453-9957

Click the link to hear the interview