90-Day Life Challenge: Create A Cleaning Routine

I am seriously loving my 90-Day Life Challenge, so much is being accomplished--and I feel relaxed about it. Since we will be moving in a little over 2 weeks, I think now is a great time to start developing a household cleaning routine. We can start fresh in our new apartment.

Let me begin by saying that I am--by no means--the first person to blog about this, let alone provide materials. However, I have always been a little wary of trying to use a routine created for someone else's house. It's not made for my house, so could it possibly cover everything I need? And while I appreciate every tip and trick I have read over the years, I always wished that a website would teach me how to create my own. If this is you, look no further.

Steps to Creating Your Own Cleaning Routine

Step 1: Brainstorming - This step will take a little time. Personally, I sat down for a quiet hour or so in the morning to work on this assignment. Below, I have posted a pdf link to the form I am currently using for my own brainstorming session. The tables are divided into indoor, outdoor, and miscellaneous chores sections. Fill in as much of the form as you can, thinking about what you want to be completely daily, weekly, monthly, etc..., and when you have finished, proceed to the next step. 

Brainstorm Household Chores Form

Step 2: A Closer Look - Now that you have jotted down your thoughts, take a walk from room-to-room in your house, pausing to revisit the list of chores you just finished. Did you include everything? Is there something you have left out? Remember, this is not a perfect system. You can always add, subtract, or change. Repeat this process for each section on the form.

Step 3: Review - Did you make unreasonable demands for yourself? Look at what you have listed for your daily, weekly, monthly, seasonal, and annual chores. Double check that you haven't over-committed, or been unrealistic in what should be completed in the allotted time frame. For example, you will rarely need to launder your curtains on a weekly basis, but on the other hand, you may want to mop your floors more than once a year. Just double-check yourself. 

Step 4: Get Feedback - If you choose, now is a good time to have your partner, roommate, whoever, look at your chart and see if you have left something out. 

Step 5: Creating the Daily Routine - Now, you are finally ready to create your routine. Your day-to-day routine naturally divides itself into segments, and I recommend you do the same. On a separate sheet of paper, make 4 columns with the headings: Morning, Afternoon, Dinner, and Bedtime. Now, looking at your "Brainstorm Household Chores Form," take each chore you have listed in the "Daily" column and place it into the Morning, Afternoon, Dinner, or Bedtime categories. Once you have finished, create an ordered list for each time of day, and voila, you have your Daily Routine.

Step 6: Creating the Weekly, Monthly, Seasonal, and Annual Routines - Following the same process, you are going to create your other routines. The columns headings are as follows:

Weekly Routine - Monday, Tuesday, Wednesday, Thursday, Friday, and Saturday (leave at least one day off, and I recommend leaving )

Monthly Routine - 1st Friday (e.g.) of the month, 2nd Friday, 3rd Friday, and 4th Friday

Seasonal Routine - Spring, Summer, Fall, and Winter

Annual Routine - January, February, March, April, May, June, July, August, September, October, November, and December

Step 7: Make it Beautiful - Now here is the fun part. Take each list you have just made and type it up in a format you would be proud to display on your refrigerator. Some people may prefer to display the list in multiple formats in a binder, single-sheet display, and a pocket version for your planner. It is completely your call. Use colorful paper if you would find that more visually pleasing. 

If I have missed anything or there is another printable you would find helpful, please, let me know. I welcome every comment, criticism, or suggestion I am given.

Happy Reading,

Your Devoted Friend

90-Day Life Challenge: Weekly Financial Meeting

This is an idea that DH and I had flirted with for months, ever since he started his own small business in October 2014. Now, with the onset of my 90-Day Life Challenge, we are finally going to do it. 

*Alert: FREE Weekly Financial Meeting form HERE.

What Is Covered in a Weekly Financial Meeting?

I took quite a bit of time to develop the form, I worked on it all morning today. I realized that I needed to start with a few important questions:

• Begin with a review of our monthly budget. I complete these the last week of the previous month.
• How much money is coming in this week?
• How much money do we already have available?
• Which bills are due this week? Which account is paying them? We each have checking and savings accounts to make it easier to sort DH's business responsibilities.
• Where is the rest of the money going after bills?
• Discuss our short-term needs and our long-term goals.

Of course, this is just our personal "spit ball" at the key topics to cover. Every family will have their own twist on what is important.

3 Components of a Successful Financial Meeting

Here is an image of the Weekly Financial Meeting form that we use here at "Keen Enterprises." The downloadable form (linked above) is exactly the same except for the family-specific header. 

As you can tell, I like for forms to look a little quirky and strange. It makes me feel more relaxed because I know it doesn't have to be perfect, just functional. The 3 main categories I pulled out for the form are: Review, What's Going On This Week, and Future Planning.

REVIEW

Look at any relevant notes from previous financial meetings

Pull out the copy of monthly budget and update with bills paid

WHAT'S GOING ON THIS WEEK?

How much money is in our accounts, and how much is coming in?

What bills need to be paid this week?

Have any other expenses come up (i.e. car maintenance)?

FUTURE PLANNING

DH is paid weekly and I make some side income, so we need an accurate account of our money weekly

What are our short-term financial goals? i.e. Birthday gifts for Wee-One
What are our long-term financial goals? i.e. Retirement

Well that's it. We will be using this form every Monday or Tuesday (whenever DH receives his payments) for now until the end of our careers. Please take advantage of the FREE form, linked again HERE. I sincerely hope that it helps you feel a little more in control of your financial future.

Happy reading,

Your Devoted Friend

90-Day Life Challenge: The Daily Dozen [Personal Edition]

Hello all! As promised, I'm back today with a second installment of the Daily Dozen series, and this one's personal. It's all about the basic habits that each person should devote a few minutes to each day. 

As stated in the previous Daily Dozen entry, the whole purpose of a daily checklist rather than a morning/afternoon/evening routine is that--for the novice routine-haver--you will have the flexibility to allow the routines to develop on their own. For the record, I'm terrible at this. I run around like a chicken with my head cut off most days, but I do nothing to improve my own feelings of self-worth and perception of beauty.

The Daily Dozen List

1. Daily facial massage. A little drop of oil or serum to work into the skin, 2 minutes worth of self-love and your face will glow with good health.
2. Brush your teeth. Seems like a given, but...moms forget.
3. Shower. Same logic as above. I don't know what possesses me to keep delaying my shower in favor of wiping down my son's toys--or some other cleaning chore--but it has to stop.
4. 15+ minutes of yoga practice. If you are interested in reading my post about free yoga programs on YouTube, click HERE.
5. Take out my contacts at night. This is a major habit that I need to start, for two main reasons. First, it's just a good basic health practice so your eyes get plenty of rest and oxygen. Second, it forces me to shut off at a certain time every night since I can't see without them.
6. Apply basic makeup. My version is mascara, powder foundation, and lip gloss.
7. Read for 20 minutes. Nothing helps you take a break like a chapter of a good book.
8. Meditate 5 minutes. I'm God-awful at this, but meditation is a terrific practice for lowering stress, blood pressure, stress-eating, and the constant chatter in your head.
9. Drink 1 gallon of water daily. Hydration is great for skin, your brain, metabolism, and so much more.
10. Go to bed by 10 pm. Should be a no-brainer, but a 10 pm bedtime will allow you to get a solid 7-8 hours of sleep and still wake up early enough to accomplish my Most Important Tasks [MITs] before Wee-One pops awake at 7 am.
11. Drink no more than 1 cup of coffee. I don't wan't to be artificially energetic, so I cutting down on caffeine to better hear my bodies signals.
12. Limit alcoholic beverages to 1 glass of wine or 1 mixed drink max. Same logic as cutting back on caffeine.

The Importance of Taking Care of Yourself

At first glance, so many of the items on my Daily Dozen list are self-explanatory and rather obvious ways to take care of yourself, but some of us just don't. It's not sad, and no one is looking for pity, but when you decide--as a mom, wife, or partner--to devote your life to other people, you forget to take care of yourself. That's why I am applying the same rule to my personal care as I do to my personal finances: Pay Yourself First. 

This does not mean that you have to "selfishly" ignore the important people in your life in favor of spending time on yourself. Instead, consider researching ways to improve your sleep so you can comfortably wake up 15 minutes early and add a nice facial massage to your morning routine.

Thank you for your attention and readership. I would love to read about some important components of your Daily Dozen, so please share. I'm always looking for new ideas.

Happy reading,

Your Devoted Friend 

90-Day Life Challenge: Yoga

Ahh, yoga...Just the thought of it makes me sigh. Yoga is almost like massage therapy for me. It's something that every body needs, and I am finally going to commit to completing at least 20 minutes of personal massage therapy daily. Like earning money on MTurk, I practice yoga off-and-on maybe once a week. For this 90-Day Life Challenge, that's going to change.

While it would be wonderful to go to a local yoga class, I honestly don't have the $100-300 extra to spend. My solution was to check YouTube for a collection of the best FREE yoga programs. Here is a list of the 6 best channels, and my favorite video from each. We have an Apple TV that we purchased when we decided to cut down to just an internet package, and the YouTube app will play these videos.

*Shouldn't need to be said, but I do want to make it clear that I have no affiliation with these channels, I just genuinely appreciate the artists and their contributions to health and fitness.

PsycheTruth Yoga

This is a very yoga-specific channel, but the parent channel PsycheTruth has long been a favorite of mine for many types of videos: Health/Wellness, Yoga, Massage, ASMR, and smatterings of other categories as well. Much of the channel is devoted to using natural, holistic, and/or alternative therapies to aid the body in natural rejuvenation. PsycheTruth Yoga videos are roughly 20-30 minutes. The videos are accessible to beginners as well as advanced practitioners.

Yoga With Adriene

Yoga with Adriene is another yoga channel with short programs geared towards a specific focus. She currently has an excess of 250 videos available. This video is just over 15 minutes, but many of the videos run longer than 30 minutes. I like the way she tailors each routine to a very specific focus. There are some videos geared toward the beginner and advanced practitioners, but most fall in the intermediate category.

Fightmaster Yoga

This specific video is great for when I am already feeling strong and ready to take on a challenging workout. Much of Fightmaster Yoga's channel evokes that feeling. The videos are so fresh, innovative, and energetic, I'm only sad that I don't have the ability to do them all yet. If you are a skilled practitioner, you have to try this channel. The videos also have a tremendous range of duration from 15 minutes to over an hour in length.

Yoga Vidya

Yoga Vidya does not have as large a number of videos available as the aforementioned channels; however, it does have many videos detailing yogic practices, meditation, chanting, and interviews with yogis about meditation and mythology. She also posts lots of instructional videos for individual poses. There is nothing particularly unique about the videos--beginning/intermediate level, 20-30 minutes each--but her voice is so soothing. I like to exercise to Yoga Vidya when I need yoga that is more quiet and meditative.

Do You Yoga

Do You Yoga's videos are all short (less than 20 minutes). They are so simple, and great for a yoga "quickie" when you know you should exercise and don't feel like you have the time.

Yoga Yak

Yoga Yak is such an oldie but a goody. All of the videos are full length, 45 minutes to 90 minutes at the longest I've found. In addition, there are also a lot of videos offering a peaceful soundtrack to add to your everyday life. Nature sounds, music to use for private yoga practice or transcendental meditation. The practitioners are so genuinely eager to share their practice with you. I always feel like I've just attended a class lead by a beloved mentor.

Hope you are able to use these resources to fold a regular yoga practice into your daily life as well.

Happy reading,

Your Devoted Friend

90-Day Life Challenge: Savings Goals

This was a big step for me today. I have a tendency to refrain from planning out my financial future because I'm too worried about having the money that I need on a daily basis. I've always saved for the future, but I don't typically feel like its ever enough or that the saving would ever end. The fact of the matter is, there should be measurable goals that we work towards as a family.

My 7 Essential Savings Goals

At the moment, I only have around $500 per month to devote to savings, but I know this won't be the case forever. I've got extra work becoming available starting in September, and DH's business has started to pick up, so he's able to contribute a few hundred dollars a month to our financial freedom. 

1. EMERGENCY FUND - I set our emergency fund goal at $2,000. My thought process was that this would cover tires for both cars and a month's worth of rent at the same time.
2. 6-MONTH JOBLESS FUND - Sometime around 4 am a few weeks ago, I happened to catch the Suzi Orman show. She suggests upwards of a 9-month fund, but that isn't really realistic to me. We are a 2-income household with a lot of family support in the event of an emergency. To cover 6 months of essential spending, we would need roughly $15,000.
3. HSA - Ideally, I would like to see at least $25,000 in a Health Savings Account. This would help with any surprise medical bills that I--or my little "dare devil"--might accrue.
4. 529 PLAN - Obviously, DH and I will want to be prepared with Wee-One is old enough to go to college. Like his father and I, Wee One will be asked to live at home, work part-time, and attend a local university, which will definitely help with the overall cost. In addition, we invest in a small personal account for him on a regular basis, and his grandparents have set up a custodial account as well. We settled on $25,000 as a reasonable goal.
5. NEW CAR FUND - Another $20,000. We are not specifically saving for a new car since both of ours are running beautifully and just had tune-ups, but we want to have a large lump sum set aside for major necessary purchases (i.e. new car, air conditioner, family emergency, appliances, etc...).
6. HOUSE FUND - Now, this is where it gets personal for us. This would be a good place for anyone to store their down-payment savings, but we have decided to go another route if possible. We want to buy a foreclosure property outright. No mortgage, just standard bills. Considering that a 2 BR/1BA, 900 sq. ft. home on 1 acre in this area goes for around $110,000, we feel that $90,000 should be able to purchase a reasonable foreclosure and allow us some wiggle room to fix problems or customize as needed. 
7. RETIREMENT - The most important piece of future planning in anyone's savings portfolio, but easily the most daunting. I highly recommend reading Retire On Less Than You Think by Fred Brock. It's a wonderful read, and gives great perspective about how to prepare for retirement logically--as opposed to catastrophically. I'm aiming for $500,000.

Here's an image of my own Savings Plan. As you can see, I used grid paper and a simple "bullet journal" style of charting. It just seems to work better for me if I am visually pleased by the charting process.

Cute, But How Is This Going to Work?

So good of you to ask, I asked myself the same question the instant I finished the Savings Plan. I'm restarting with my Emergency Fund. Like I said, I have $500 each month (approximately) to put towards savings. I am going to split this and put $400 towards my Emergency Fund, and $100 towards my 6-Month Jobless Fund. I generally do prefer to work on more than one thing at a time and have a little bit of that Dave Ramsey "snowball effect." It should take 7 more weeks to finish filling up the Emergency Fun, and then I get to deposit the full $500 into the 6-Month Jobless Fund. In October, I will begin depositing $25/month into each of HSA, 529 Plan, and New Car Fund accounts. It's not much but I will still be able to feel like progress is being made.

As more funds become available in October, I will immediately begin depositing $150/month into my local Credit Union Roth IRA. Why a Credit Union? So I can never lose the original investment. Why a Roth IRA? So I won't be taxed on what I withdraw from the account during retirement. As the other savings goals are met, I will end up deposit their full amount into the IRA, roughly $750/month. Of course, this is assuming that my income is fixed.

The last component of my savings is the House Fund. It's easily the most daunting because we so desperately want to find somewhere to call home. Everything else we bring in goes here....Who knows? Maybe this blog will take off...

Thanks again for "listening" to my pontificating and supporting me on this journey. As always, I welcome criticism and suggestion, from anyone.

Happy Reading,

Your Devoted Friend