Simplicity News April 2004 EZezine




Simplicity News April 2004

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In This Issue:

PREPARATION PAYS (Literally!)

How Many Are FREEcycling Today? 

PREVENTING TOY OVERWHELM


 Preparation Pays (Literally!)

I got an email from a friend last month, saying, "We were robbed!" Her point was not to garner sympathy, but to share how her preparation and organization were instrumental in making the administrative work that followed go smoothly, as well as receiving compensation from her insurance company. Here are six tips to consider, so that in the event of a robbery or natural disaster, you will be prepared:

1. Record the serial numbers of each piece of computer or electronic equipment that you own. There are often spots inside the instruction manual to do this very thing.

2. Keep receipts / sales slips as proof of purchase for anything you'd consider a "big ticket" item. These items might include jewelry, art, furniture, electronics, computers, vehicles, collectibles and anything else you'd want to replace after a robbery or disaster.

3. Consider having a home inventory done so that you have an accurate, visual record of your belongings. There are services out there who will do such an inventory for you, complete with a cd-rom of photos or a video of the interior of your home.

4. Make absolutely sure that your home and belongings are insured, whether you own your home or you rent. Renters' insurance is so inexpensive that there is absolutely no reason NOT to have it. The likelihood of fire increases when your dwelling is attached to that of another person, so apartment or townhome dwellers should be especially careful to make sure they stay insured. 

5. Once you are insured, review your policy yearly to be sure you have adequate coverage. Remember to make sure your policy limits adequately reflect the current value of your home. For example, if you've made substantial improvements through an addition or renovation, you may now be underinsured. If you've made these such improvements, let your insurance company know.

6. Consider getting "replacement cost" insurance, as opposed to "actual cash value" insurance on your home and belongings. Replacement cost will pay to rebuild your home, whereas actual cash value will only cover the cost of your home minus the depreciation. If you have questions don't hesitate to ask your insurance agent or broker... it is his job to be sure you understand your policy and have been advised of your coverage options.


How Many Are FREEcycling Today? 

Decluttering your life is a wonderful way to rid yourself of the things that no longer give you value and a great way to help someone else in need at the same time. I found a terrific service which offers you ways to move things out of your life and be sure that they go to someone who really wants them instead of ending up in the trash.

If you go to www.FREEcycle.org you will find that there are 321 cities FREEcycling, which equates to 47,280 people FREEcycling. This means that fewer items are going into the trash and filling up the landfills of our planet. You'll likely also find a FREEcycle group in your area of the world, which you can become a part of. It's simple. You just sign up through the web site, and you will begin getting the emails that people in your group send out either seeking free items, or offering free items. That's it!

Check it out and let me know what you think of the idea. If you've received something or given something away through this wonderful concept, tell me about that too!


Children and Overwhelm

If you have children, I want you to give serious thought to the concept of overwhelm and how it affects your kids, specifically in the area of toys. I work with many residential clients and one of the most common problem areas in any home is the play room. Thinking back to my own childhood, I don't remember having even a third of the volume of toys that most kids seem to have today. Perhaps it was because we weren't very well off at that time and I had frugal parents. At any rate, whatever the reason, there were four kids in our house for several years, and even then, the amount of toys the four of us had would be dwarfed by a one-child family of today. 

If you, as an adult, walk into your child's bedroom or play room (or both) and are totally overwhelmed by toys, can you imagine how your poor child's little mind must feel? It's no wonder getting your kids to put their toys away is an ordeal... with literally hundreds of toys, would YOU want to do it? I know I wouldn't.

Where do all the toys come from and how can you stop them? I warn you, simplifying your child's life is not easy, however, it is well worth it, for both you and your child. And more importantly, you are teaching your children that more is NOT better, you are letting them know that mindless accumulation is NOT good, and you are teaching them how to make decisions when paring down possessions.

Here are four ways to take a stand and win the War Of The Toys:

1. Cut Your Spending. If you are in the habit of giving in to your child's begging every trip to the store, you must put an end to it. Otherwise, you are literally training your child that every time you go shopping, he receives another gift. Considering how many times you shop in a year, you're setting yourself up for a tremendous amount of toys to come into your home. Put your foot down and begin refusing to buy your child something new every shopping trip. Remember, you are the parent and you get to choose.

2. Control Gift-Buying. This can be a tough one, but if you are to win this War Of The Toys, you must be serious about it. Family and friends love to shower your kids with gifts, don't they? You, as the parent, must lay down the law, whatever you deem it to be. You might limit gifts to ONE per holiday. You could set up a share-builder stock account or a custodial bank account where loved ones can contribute to your child's college fund or financial future. Distribute a list of acceptable "experience" gifts that you and your child would welcome, such as tickets to the museum, a concert, an ice show, or a sporting event, or even a membership to the zoo that your kids can enjoy on an ongoing basis. Let your loved ones know that you are doing these things to help your child simplify his life and to teach him philosophies that will serve him well in the future. Remember, you are the parent and you get to choose.

3. Nix The Party Gifts. When did childhood birthday parties become an excuse for every kid in attendance to come home with a bag full of stuff? When I was a kid, the birthday child got a few gifts, everybody got to eat cake and ice cream and that was it. Today, each child is expected to bring a gift for the birthday child, and then each guest leaves with a so-called "goodie bag" (which is really an evil bag, if you ask me) full of a bunch of junk that their parents get to step on in bare feet for untold sleepy mornings to come. I promise you this: If you take a stand and stop this insane tradition of goodie bags, the other families in your neighborhood will love you for it! In fact, I dare you to be a REAL radical and when it's your child's birthday, insist that NO GIFTS will be accepted! Instead, hire a magician to come and do a show, have cake and ice cream, play games or do a group activity. Remember, you are the parent and you get to choose.

4. Help Your Child Pare Down. If your home is overrun with toys, the first step is to decide which strategies you'll use to stop the incoming stream of them. The second step is to begin the decluttering and paring down process. It is crucial that you involve your child in this process, so he can learn to make decisions as well as get the enjoyment of giving to others kids who are in need. You might be surprised to learn how generous your child can be when he knows that he will be sharing his no longer loved toys with kids who have none.


Monica Ricci is an Organizing Specialist, and the founder of Catalyst
Organizing Solutions, an Atlanta based company. She is the immediate
past president of the GA Chapter of the National Association of Professional
Organizers.

To schedule Monica to speak to your conference, convention, team,
department, or association, or for an on-site organizational evaluation,
contact her at 770-569-2642 or at
Monica@CatalystOrganizing.com

Catalyst offers on-site productivity consulting, distance coaching,
speaking and writing, as well as expert guest appearances on radio
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