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Do A Home Inventory: 4 Financial Reasons

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Do A Home Inventory: 4 Financial Reasons

    Stuff. We all have it: books, clothes, other items that just build up in our homes. Some of us have more stuff in the garage, in storage, in our parents’ basement. Stuff isn’t necessarily a bad thing — although too much stuff can be a major problem. But for many of us, the issue is that we don’t really know what stuff we have. Doing an inventory of our stuff, and keeping it up to date, can help us financially, as well as organizationally.

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    Why Bother?

    1. Knowing what stuff we have can be a life saver in an emergency. If there’s a flood or fire, the insurance company is going to want to know what you had before they’ll agree to give you a check to replace it. And if you don’t have insurance, taking an inventory can help you get an idea of whether you really need it.
    2. If you’ve got an idea of what you already have, you’re less likely to buy a second something you already have. I was routinely guilty of buying books I already had copies of until I went through and actually recorded all the books I have. It was a lot of work, but I’m saving money.
    3. Going through all your stuff can help you decide if you want to get rid of anything. While you may not be able to sell every piece of stuff you want to get rid of, you may be able to make money on some of it or trade it for something you really want. Those spare books I had? I traded most of them for other books on my wishlist.
    4. You may be able to slim down your stuff or reorganize it in such a way that you don’t need storage outside your home anymore. You can save money (or goodwill) on storage — and get more use out of the stuff you have without having to go root through storage to find something you want.

    How to Inventory Easily

    Doing an inventory can seem too huge to manage at first glance. Even if your home is relatively clutter-free, there’s a surprising amount of stuff in it. But an inventory doesn’t have to be done all at once — and it doesn’t actually have to include every single thing in your home. To get started, you need a plan of attack. Perhaps you’ll work on one room a day — or even one square foot. Perhaps you’ll start with a certain category of belongings, like electronics. You’ll also want to start with an idea of what you don’t want to inventory. You can use a lower dollar limit, or ignore those items that you wouldn’t want to replace if you lost them.

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    You’ll also need a system to use to inventory your stuff. While you can take the spreadsheet approach — meticulously recording every item and a description in a spreadsheet — that may not be a practical option in light of other limits on your time. There are plenty of options for creating an inventory of your possessions, however. Some are specifically designed for a certain type of stuff (such as books or DVD) while others are more general.

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    • Real Simple’s home inventory worksheets: If you want to take a ‘get in, get out’ approach to your inventory, these simple worksheets can be a great option. You simply write down what you see when standing in a particular room — and for some rooms, Real Simple has already listed some standard items so that you only need to add serial numbers and brands where appropriate.
    • The camera method: Got a digital camera? You can create a quick and dirty inventory by going through your home and photographing everything. You’ll want to back these photos up somewhere outside your home, in case of an emergency. It’s also a good idea to tag or label the photos in order to simplifying sorting through them.
    • Collector software: There are hundreds of applications for ‘collectors,’ software that you can input all the books, DVDs or other items of a certain type into. From there, you can print off lists or manage them online, as well as easily add new purchases. If one category of ‘stuff’ dominates your home, this might be the easiest approach to an inventory.

    It doesn’t really matter how you inventory your stuff, as long as you can easily save a copy of your inventory outside your home. Even printing off a copy and giving it to someone you trust can make your life easier in the event of a disaster, although using an electronic back up method has its benefits: it’s easier to update whenever you add something new to your home. If you do take your inventory as an opportunity to declutter your home, it’s also important to remove anything you get rid of from your inventory. It can also be a great opportunity to organize those items that you don’t necessarily have out all the time. As I was creating my own invenotry, for instance, I actually managed to get all the tools in my home into the same closet. It may seem like a small victory, but it saves me time when I’m hunting for something and when I’m putting things away. It also means that I can see what tools I have at a glance, reducing the chance that I’ll wind up with a monkey wrench I don’t need.

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    Last Updated on November 18, 2020

    15 Tips to Restart the Exercise Habit (and How to Keep It)

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    15 Tips to Restart the Exercise Habit (and How to Keep It)

    It’s okay, you can finally admit it. It’s been two months since you’ve seen the inside of the gym. Getting sick, family crisis, overtime at work and school papers that needed to get finished all kept you for exercising. Now, the question is: how do you start again?
    Once you have an exercise habit, it becomes automatic. You just go to the gym, there is no force involved. But after a month, two months or possibly a year off, it can be hard to get started again. Here are some tips to climb back on that treadmill after you’ve fallen off.

    1. Don’t Break the Habit – The easiest way to keep things going is simply not to stop. Avoid long breaks in exercising or rebuilding the habit will take some effort. This may be advice a little too late for some people. But if you have an exercise habit going, don’t drop it at the first sign of trouble.
    2. Reward Showing Up – Woody Allen once said that, “Half of life is showing up.” I’d argue that 90% of making a habit is just making the effort to get there. You can worry about your weight, amount of laps you run or the amount you can bench press later.
    3. Commit for Thirty Days – Make a commitment to go every day (even just for 20 minutes) for one month. This will solidify the exercise habit. By making a commitment you also take pressure off yourself in the first weeks back of deciding whether to go.
    4. Make it Fun – If you don’t enjoy yourself at the gym, it is going to be hard to keep it a habit. There are thousands of ways you can move your body and exercise, so don’t give up if you’ve decided lifting weights or doing crunches isn’t for you. Many large fitness centers will offer a range of programs that can suit your tastes.
    5. Schedule During Quiet Hours – Don’t put exercise time in a place where it will easily be pushed aside by something more important. Right after work or first thing in the morning are often good places to put it. Lunch-hour workouts might be too easy to skip if work demands start mounting.
    6. Get a Buddy – Grab a friend to join you. Having a social aspect to exercising can boost your commitment to the exercise habit.
    7. X Your Calendar – One person I know has the habit of drawing a red “X” through any day on the calendar he goes to the gym. The benefit of this is it quickly shows how long it has been since you’ve gone to the gym. Keeping a steady amount of X’s on your calendar is an easy way to motivate yourself.
    8. Enjoyment Before Effort – After you finish any work out, ask yourself what parts you enjoyed and what parts you did not. As a rule, the enjoyable aspects of your workout will get done and the rest will be avoided. By focusing on how you can make workouts more enjoyable, you can make sure you want to keep going to the gym.
    9. Create a Ritual – Your workout routine should become so ingrained that it becomes a ritual. This means that the time of day, place or cue automatically starts you towards grabbing your bag and heading out. If your workout times are completely random, it will be harder to benefit from the momentum of a ritual.
    10. Stress Relief – What do you do when your stressed? Chances are it isn’t running. But exercise can be a great way to relieve stress, releasing endorphin which will improve your mood. The next time you feel stressed or tired, try doing an exercise you enjoy. When stress relief is linked to exercise, it is easy to regain the habit even after a leave of absence.
    11. Measure Fitness – Weight isn’t always the best number to track. Increase in muscle can offset decreases in fat so the scale doesn’t change even if your body is. But fitness improvements are a great way to stay motivated. Recording simple numbers such as the number of push-ups, sit-ups or speed you can run can help you see that the exercise is making you stronger and faster.
    12. Habits First, Equipment Later – Fancy equipment doesn’t create a habit for exercise. Despite this, some people still believe that buying a thousand dollar machine will make up for their inactivity. It won’t. Start building the exercise habit first, only afterwards should you worry about having a personal gym.
    13. Isolate Your Weakness – If falling off the exercise wagon is a common occurrence for you, find out why. Do you not enjoy exercising? Is it a lack of time? Is it feeling self-conscious at the gym? Is it a lack of fitness know-how? As soon as you can isolate your weakness, you can make steps to improve the situation.
    14. Start Small – Trying to run fifteen miles your first workout isn’t a good way to build a habit. Work below your capacity for the first few weeks to build the habit. Otherwise you might scare yourself off after a brutal workout.
    15. Go for Yourself, Not to Impress – Going to the gym with the only goal of looking great is like starting a business with only the goal to make money. The effort can’t justify the results. But if you go to the gym to push yourself, gain energy and have a good time, then you can keep going even when results are slow.

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