I started a part-time job recently (in addition to my freelance business) and am feeling a little scattered as I try to keep up with everything I have going on. And financially, we’re still struggling. So I’m on a crusade to simply everything—our finances, my promotion efforts, my online presence, my reading materials, even the amount of mail that pours into my house everyday. Most of these efforts are still in progress, but I feel relieved and less stressed already, so I decided to share what I’m doing in hopes that it helps someone else.
Online Presence: My plan is to combine my blog and website. It makes no sense to send readers in two directions. Once I get this done, every time I post a new blog, I’ll also be adding new content to my website. And I’ll only have to update/freshen in one file. Most likely it will all end up on WordPress. I’d love to have someone design this for me, but no one wants to work that cheap and who can blame them. I also transferred all my domain names to GoDaddy from Yahoo. I’ll save about $130 a year and not have to think twice about spending $7 to register my new book title.
And I signed up for Ping.fm, which posts updates to all my social networking sites at once (Twitter, Facebook, MySpace, LinkedIn, and more). This saves time and keeps my MySpace and LinkedIn pages updated now; before I was mostly ignoring them. And I've vowed not to join any new networks despite the zillions of invitations I get everyday. I don't have time to do them right, and I don't need the guilt for letting them languish.
Personal: I’ve eliminated half of my magazine subscriptions—because I only have time to half read half of them anyway. Down the road (when I’ve paid off the website redesign), I’ll cut the rest, buy a Kindle, and download what I want to read, when I have time. The people who lived in the house before us received every catalog you can imagine, and they didn’t forward any of them to their new residence. So now every time I get an unwanted mailing, I contact the company and make them take our house off their list. It takes time to do that, but it’s less crap on my kitchen table and less paper wasted. Long run, it will save time recycling all of it.
I also unsubscribed to many e-newsletters and am resisting the urge to sign up for any more. No matter how great the content, if I don’t have time to read it or follow up, then it’s just another e-mail to process. I also don’t look at e-mail until I’ve hit my word count for the day and/or finished work, so by the time I do, I’m tired and need it to be easy.
I do massive food prep on Sunday and/or Monday, so my lunches are ready to go for each work day and dinners for the next few nights are easy. It helps me hit my word count before work and keeps me from feeling exhausted after dinner.
Finances: We’re refinancing our house and getting enough cash back to pay off our credit card debt. At the same time, we’ll change our payment schedule to every two weeks—and shave seven years off the mortgage. Interest rates are so low now (4.7%) that we’ll end up spending less money on a yearly basis, even taking into account the refi charges and accelerated payments. Long-term, we’ll save a fortune on interest, all our debt will be in one place, and our single payment will be automatic.
In fact, we’re switching every payment that we can to autopay. Which means less mail coming into the house and fewer checks to write. And we’re making many of those payments with the credit card, which builds up flier miles, in case we ever get to go on vacation again. In April, when the option is available, we’ll switch our utility payment to a year-round standard and put it on autopay as well. I’m tired of seeing the winter bills for how much it costs to stay warm. This new way, we’ll pay the same amount every month, and I don’t have to think about it.
I’m still brainstorming ways to simplify (and save money) and if you have great ideas, please share them.