Month: February 2018

Simplify Your Morning Routine

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Raise your hand if you love routines and order. I know I do! I love knowing exactly how long it should take me to get something done, how often I need to be doing a load of laundry and what my day is going to look like from a quick glance.  However, Moms if you’re deep in the trenches then you totally get why toddlers don’t like routines and usually throw a wrench into our perfectly planned days.

BUT we still need our routines that simplify our days.  WE NEED THEM! Because when you come home after a long, hard day and your house is a mess a routine can help you tame the chaos and re-center yourself. 

In this post, I’m going to talk about a few routines you can create to simplify your mornings.  Let’s face what happens in the morning is what sets the tone for our whole day. If we feel rushed while getting ready then we feel stressed and anxious the rest of our day – and that’s no good.

Recently, I shared our evening routine for our toddler and it has made a huge difference at our house.  It has made our evenings a little more calm and it’s been easier to put our little man to bed each night.  I will admit though, it all started when we spend a few days sleep training our son when he was just a baby.

Let’s get into today’s post – simplify your morning routine – because the sooner you can implement some of these tips then the quicker you will get results.  I do want to share a disclaimer – I try to follow each of these every day, but I’m not perfect.  When you have kids, you have to accept that you won’t be perfect 100% of the time – it’s impossible! In an earlier post, I shared details about how I schedule my day by blocking my time, but here are more details in my schedule blocks. 

Now, you’ll notice some of these routines actually happen at night or the day before, which has been a huge blessing to my mornings.  I actually consider anything that makes my mornings easier part of my morning routine.

Here’s your Sunday routine:

Each Sunday evening or any free time you have during the weekend, spend a few minutes planning your outfits or even laying them out for the next week. I don’t have a ton of space to lay out each outfit for work the next week, but I can at least plan out what I am going to wear. 

If you’re like me and don’t have a ton of free space to lay out clothes, then here are a few things you can do: create a space in your closet that you can physically hang clothes for the week or you can make a written list in your planner with each day’s outfits.

Prepping for the week includes making sure your clothes are washed, pressed and ready to be put on within seconds. Make sure to think of every aspect of an outfit that’s going to be needed – obviously a blouse and pants or skirt, but also include an undershirt, tights, shoes, jewelry, etc.

Here’s your evening routine:

Review your to-do list for the next day. This way you can make sure everything is ready to rock-n-roll the next morning.

Make sure to look over your meal plan for tomorrow’s dinner so you can defrost any meat and get a head start on the meal. 

Make lunches before going to bed and have the lunchbox packed with anything that doesn’t need to be refrigerated. 

Your morning routine:

Try to get up at the same time each morning – even if you don’t have to. That way your body can get used to following the same routine each morning, too.  

Follow the same steps each morning to help make everything more streamlined:

  1. wake up and shower
  2. put on makeup and style hair
  3. get dressed
  4. review any appointments that you have today
  5. make breakfast
  6. wake up kids and get them dressed

By following the same steps in the same order, you can have getting ready down to a science. You’ll know exactly how long it takes to do each step, which means you’ll know when you’re running behind.

Don’t check social media first thing in the morning. Wait until your little ones are up and dressed to get on social media. You can lose so much time by scrolling on FB and IG, so make sure to avoid it until you are completely ready.

Don’t check emails until you’re at the office. Again, this is such a time sucker. For me, I have personal email, work email and then business email that I like to check.  I try to get to work a few minutes early each day so I can check my personal email and business email before my work day starts.  If I spend too much time before I’m finished getting ready on the computer or my phone then I almost always run late.

Make breakfast easy on yourself. Try not to over-do it on breakfast during busy mornings. Sure you want your little one to eat a healthy meal, but who has time to cook a gourmet breakfast each morning?  Here’s a few tips to make breakfast simple:

  • cook a big batch of scrambled eggs on Sunday and put in the fridge for the week
  • make a batch of freezer waffles to pop in the toaster on the weekends
  • grab fruit at the store for those easy morning breakfasts
  • find simple foods your little ones can finish in the car when they take FOREVER to eat

These simple steps can really help create order in your morning routines. As a mom who is constantly running around from meeting to appointment to family time and everything else I need something that I can follow each day to help tame the chaos.  

 

How To Increase Your Credit Score

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Lately I’ve received a few questions from several of you wondering about how to increase your credit score. We talk so much about paying down debt, building a savings and paying cash (or using debit cards) for most of our spending that you’re wondering how that affects your credit score.  I put together a few top tips on understanding what your credit score is, how to access it and ways to improve it.

First – Check Your Score and Report

Experian, Equifax and Transunion are three places that offer one free credit report each year.  What I would recommend is setting an alert on your calendar (I use Google calendar) to remind you every four months to print out a new report.  That way you’re checking it multiple times a year and it’s not costing you anything. 

You can also signup for a free service like Credit Karma to keep an eye out for any suspicious activity and to get an idea of your credit score.

Second – Know The Main Factors To Your Credit Score

Payment History – Make sure you’re making your payments and that they are on time

Amounts Owed – Your total balances on your accounts make a big difference for your score. The amount you have available is weighted pretty high.  For instance, you have a credit card with a $10,000 limit, but carry a $9,000 balance.  That will hurt you more than carrying the same card with only a $2,000 balance.

Length of Credit History – Another portion of your credit score is made up of how long your accounts have been opened and how long it has been since you last used the account.

Types of Credit Used – Are your accounts installment or revolving?  This will be taken into consideration.  

New Credit – The last piece to your credit score is if you’ve tried to open any new accounts – credit cards, loans, or others recently.

Third – Take Steps To Increase Your Credit Score

If you’re wanting to improve your credit score then you can do a few simple things now that can have a big impact in the future.  These are just a few tips:

  • Pay your bills on time.  You could setup auto pay for your bills to make sure payment is sent on time and to avoid any late fees.
  • If you’re running behind on any bills – get up-to-date.  If you’ve missed a payment or two and are behind then you need to work hard to get caught up.  The longer you pay your bills on time AFTER you’ve been late then the more your score will increase. 
  • Collection debts stay on your report for seven years, so avoid having any bill go to collections.  Even if you’ve paid the debt off in full, it will stay on your report for seven years.
  • Keep balances low and pay off each month
  • If you’re wanting to raise your score for the short-term then don’t close any paid off cards.  If you’re looking more for long-term reasons then closing an account may not be a bad thing, but in the short term it could hurt.
  • Don’t open too many accounts at one time.