A MESSY CLOSET
When the enthusiasm to clean strikes, start from the outside
in. Take care of the clutter scattered around the room
before digging into the closet.
OUNCE OF PREVENTION...”
Instead of spending hours a year trying to remove felt-tip
marker writing and drawing from walls, spend a couple of minutes
putting the markers out of reach.
AND BANK ACCOUNTS
Budgeting is easier if you have one bank account for paying
bills. For couples, make it a joint account. Even if one person
usually handles the finances.
Review and adjust your budget at least once a year (perhaps at
tax time, when you’ve done a financial review).
Save time and concentrate on high-payoff cleaning—work on
the most conspicuous areas, such as entrance halls and
BUSINESS AT HOME
Buy supplies in double quantities so that you won’t have to
dash out in the middle of a project to buy an item you’ve
run out of.
A woman should give the creditors written notice if, when she
marries, she decides to take her husband's surname, but wants to
keep separate accounts.
TO THE RESCUE
It’s wise to choose a doctor before you need one. It’s equally
wise to choose a lawyer at leisure—before a crisis occurs.
If possible, patronize stores and offices near your home,
your work, or on the route between the two.
“PACK RAT” SYNDROME
Go through your house periodically, eliminating items you no
longer want. One possible criterion: when you no longer
notice a decorative object.
HOW ORGANIZED ARE YOU?
Does it often take you more than 10 minutes to unearth a
particular letter, bill, report, or other paper from your
files or the top of your desk?
TO USE CREDIT WISELY
After you’ve finished paying off a major loan, continue
paying out the same amount to your savings account each
TO KEEP RECORDS
Tired of crossing out and erasing in your address book? Use
index cards instead and store them in a file box.
For insurance purposes, take photographs of all your
possessions and keep them in a metal box or in a
Do you need life insurance? Its main purpose—and nothing does it
better—is to create an instant estate for your family in the
event of your death.
OR STOLEN CREDIT AND BANK CARDS
Make two photocopies of all your credit cards. Leave one at
home; carry the other with you when traveling. If you lose a
card, you’ll know the number to report.
MAKING LIFE EASIER
Allow time for making up the beds and tidying the kitchen
before leaving the house in the morning.
Keep all the material that you need to process medical and
dental insurance claims in one file or folder— instructions,
blank forms, eligible bills.
MOTIVATING KIDS TO
SOME HOUSEHOLD JOBS A 5-YEAR-OLD CAN DO.
Make it a habit to return everything to its proper place and
re mind others to do so. If you do this daily, it takes less
time than waiting until the situation is out of control.
To help keep clutter under control, set aside one bowl or
basket in a central location to temporarily house small
objects that have no current home.
Check your bills carefully for their payment-due date. To avoid
a penalty, pay several days before they’re due. If you pay the
bills as soon as they arrive.
It’s too late to start preparing for your retirement on the day
that you pick up your gold watch.
SHARING THE BURDEN
Try discussing the chores each member of the family likes
least and work around them accordingly.
If you have any concerns about your Canada Pension Plan (CPP)
or Quebec Pension Plan (QPP), check that your earnings are
being correctly reported.
Organize existing storage space before increasing it. New
storage often creates more places for disorganized clutter and
more surfaces to collect unneeded items.
telephone jacks all around the house or get a cordless phone so that
you can talk wherever you are in and around your home.
Let family group pressure maintain standards as much as
possible. When a chore isn’t properly done.
YOU AND YOUR MAIL
Handle most of your mail only once. Immediately discard any
thing that needs no action, doesn't interest you.
YOUR CHILD’S ROOM
Remind your children that 5 or 10 minutes of effort a day
will keep their rooms in pretty good shape.
Some of the most valued “d” that you have is probably personal
letters, photographs, and such mementos as newspaper clippings,
diplomas, and graduation programs.
You can set up a permanent file for your important papers on
shelves or in shoe boxes but, to be really safe, a metal box or
drawer cabinet is best.
WHERE TO PUT THINGS
It all comes down to a place for everything and everything
in its place—just as soon as it comes into the housel
TO KEEP RECORDS
If you have important documents or official documents that are
difficult to replace—for example, marriage, birth, and death
You don’t have to be rich to need a will. It’s the only way to
be certain your property goes to those you want to have it.
Take care every time you write a cheque. Write legibly so that
the bank clerk can read the name of the payee and can easily com
pare it with the signature of the person.
THE MOST FROM YOUR BEDROOM CLOSET
Always hang coat hangers so that all the hooks point away from
you. This makes it easy to remove several articles at once—or
all of them in an emergency.