Denali Northern Expenditure

The Steps to Take to Purge and Organize Your Books

The second category we tackled was Books. We are book lovers and the books filled all our bookshelves, some storage cubes, and all the shelves in our nightstands. It was overwhelming. And it was too many to pile all together at one time. So, we broke up the process of decluttering the books in the following ways:

Step 1) Go on a Scavenger Hunt for Money Books!

I pulled up BookScouter.com on my phone and started a scavenger hunt for books worth money. BookScouter checks all the textbook buyback websites and tells you which one would give you the most money for your book after you enter the ISBN number. This was a fun and motivating way to get started on a category so overwhelming. I entered hundreds of ISBN numbers. In general, I learned that fiction is worth nothing, but I was often surprised that textbooks over ten years old were still worth a couple dollars. I stacked them into piles for Textbooks.com, SellBackYourBook.com, and Amazon based on which one BookScouter said would give me the most money. Be sure to check out the book condition requirements of each company. One of my books was worth about $25 but because it had a rip in the cover, no one would accept it. Each company lets you print off a free shipping label and just drop the box off at a shipper and then they reimburse you (remember that if you choose PayPal, you’ll get your money faster, but you’ll also have to pay fees). I tried to get up to $50 from each service, but failed. Here’s how it ended up breaking down:

Pay Your Kids and Put them to Work!

Let me preface this post by saying I don’t have this parenting thing figured out. I yell at my kids sometimes and I can’t get them to clean their rooms. But I do know one thing: Kids want to earn money.

Think about it. When you were a kid, do you remember how much that random check was from your aunt and uncle for Christmas? I don’t. (Checks were weird!) Do you remember that hard-earned $10. Absolutely.

What Does: “I Can’t Afford it” Actually Mean?

Stop Saying “I Can’t Afford It”!

I am often uneasy with the phrase “I can’t afford it,” especially with my children. This phrase is used to mean so many different things. In some scenarios, it means “We literally couldn’t scrape enough money to buy that even with credit cards, payday loans, or selling plasma.” For us, we use this when the kids say something ridiculous like “I wish we lived in that mansion on the beach in Hawaii.” With our incomes, there is no possible way to make that happen. No bank would give us that loan and we do not have enough assets and investments to sell everything to make it happen. Thinking you can afford something when you can’t is also dangerous.

Other times, “We can’t afford it” means someone that has a cash-only mindset. It disregards putting the purchase on credit cards or taking out any loans (payday or otherwise). This example would be a new couch or car for someone that doesn’t have enough cash saved up to pay cash for the purchase. Then there’s the “we can’t afford it” because that money is allocated elsewhere. This is the one we’re most cautious about. By all previous definitions, we can afford it. We have enough cash to make it happen, (and can track it all with our free Personal Capital account) but we choose not to buy another car because we (already have two and three would be ridiculous) would rather save that money to retire early. For my young children, it is often unclear which definition people are using. I’ve realized that most of the time, the kids hear the very first definition: we literally don’t have enough money to make that happen no matter what we do.

Organizing My Clothes Closet

The Banks family has embarked on a journey of creating a house of order in 2016. The first category to tackle was clothes. I started my thorough examination and culling of my clothing last summer. I knew I wanted to make real changes, but I wasn’t sure how. I considered why I had so many clothes. Here were the categories I identified:

January 2016 Plan Update

We actually got some snow in January, which makes for a good winter, but then it all melted and we’re back to a slushy, wet, and icy January. Curse you global warming! We’ve settled back into life after Hawaii and started our major purging efforts in our home. We’ve completed everyone’s clothes, all the books in the house, and everything in my bedroom and under the bed! We delivered our first big trunk-full to Salvation Army and it felt great! For the next few Wednesdays, I’ll be documenting this journey starting this Wednesday with the process I took to get rid of half of my clothes!

The Bell on the Fishing Pole: Living in the Present

Want to know EVEN MORE about us? Today we had the pleasure of being interviewed by the great Mr. 1500 Days! Check out our interview.

One morning while we were in Hawaii during Christmas time, Mr. T and I left our sleeping kids in the care of my parents and took a walk out onto a rocky point to watch the sunrise. It was still pretty dark when we arrived, so we sat and watched the waves crash against the rocks. As we sat, we saw a group of fishermen getting ready to fish off the point. They spent about twenty minutes setting up their poles, baiting them, and casting out the lines. Then, they tied bells to the poles and walked away. I watched them leave the poles behind, get out some food, and start visiting with each other. I’m used to Alaskan fishing, which is very hands-on, so it surprised me when they walked away. And I kept staring at the bells.

The Two Things Keeping You From Retirement

The biggest financial finish line in the majority of people’s lives is retirement. Researchers have poured years into studying how to get people to actually take the steps to prepare for retirement because not enough people are doing so. The definition of retirement is to leave one’s job and cease working. Quitting work is the easy part of retirement. The hard part is being financially prepared to no longer have paychecks coming. Everyone is looking for a magic bullet to retirement—the as-seen-on-TV pill for becoming rich. People want to win the lottery or inherit large amounts of unexpected money because otherwise, they just don’t know how they will ever have enough money to retire.

Dutch Ovens, Hockey, & Earthquakes: Another Alaskan Weekend

Living in Alaska, I start taking things for granted. I stop realizing that things we do and experience are actually odd and interesting to people outside of Alaska. Our weekend was exactly that.

Caught With Your Shirt Off? Own it!

At the beginning of the week, I had a dream where I was hanging out with a variety of random people from my life, both male and female. Quite a bit into the dream, I realized I wasn’t wearing a shirt. I was just standing there in my bra and jeans. This wasn’t the typical dream where you realize it right away and freak out. I had been having full conversations with these people for quite a while. We had done stuff. And THEN I realized I had no shirt. At this point, I was horrified, of course, but I couldn’t just hope no one noticed. OF COURSE they had noticed! How long can you hang out with a person and not realize they are missing something as basic as a shirt? The answer is half a millisecond. And I had been with these people for hours! I had no choice but to just own it. None of them had mentioned it. And no one had treated me any differently shirtless, so I just decided to just own the situation.

How Much 2 Cars Costs Us

Mr. T and I went nearly 9 years of marriage with one car. When we had our third child and then we had two kids in two different schools, things got trickier. Mr. T bike commutes fairly often and we talked about him doing it full time, but there was a time trade-off. He gets home about an hour later when he bike commutes and is only home for 1.5-2 hours with the kids before bedtime. We weren’t quite sure what to do. At the same time we were facing this predicament (November 2014), my cousin told us she was moving and they would sell us their 2010 Subaru Forester below trade-in value, so we bought it. 2015 was our first full year with 2 cars, so how much did it all cost us?

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