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Get Organized and Get Out Of Debt – Where Do I Begin?

December 29, 2025 by 19 Comments

Some of the most common goals people have are to get organized and get out of debt but it can be difficult to know how to start. These easy tips will help!

It’s almost New Years Day and many of us are already starting to think about making resolutions. Most resolutions sound something like: “I’m going to eat healthy and lose weight“, “I’m going to get out of debt” or “I’m going to get organized.”

These are great things to WANT to do but I’m afraid that about 90% of us won’t keep these resolutions. Here are a couple of things to think about that will hopefully give you greater success in keeping your resolutions.

I can’t, in this one sitting, give you all the details about how to handle every situation but I can give you some things to think about that will help you in all of these areas. Then for more details check out LivingOnADime.com, or our e-books to help you in each specific area and to give you practical ways on how to accomplish what you want to do.

It helps to understand why we do the things we do. Most of us want to lose weight and eat healthy on New Year’s Day because we have just spent the past month gorging ourselves so that we now feel bloated and sick and can’t fit into our clothes anymore. Like a pendulum that swings from one extreme to another, we think that the answer is to eat carrot sticks for the rest of our lives. That usually lasts about 3 days and then we give up.

The same applies to the idea of getting out of debt. Most of us have just spent the past few weeks spending more money than we had planned and now we feel guilty. We’re determined that we are not going to spend a penny on anything. Then we will panic every time we have to buy something like food or gas because the price is so high.

Then there is the thought of getting organized. Right now you are probably surrounded by a Christmas tree and decorations that are starting to accumulate a thin layer of dust, which is giving a dingy look to everything. The once bright and cheery look of the Christmas lights have dulled. The candles on the mantle have burned down to nubs and look more like they belong in a haunted house or in a horror movie.

There is leftover wrapping paper strewn here and there. Piles of Christmas dinner platters and dishes sit on every counter. You close your eyes every time you open the fridge so you don’t have to look at the piles of leftovers inside it. Then there are all the mounds of new toys, clothes and gifts. How do you stuff them into the already full closet? No wonder you have the urge to clean and get organized. You wonder, “Where do I even start?” Getting organized is a way to give yourself a fresh start.

As I’ve said before, too much of even a good thing can make us sick and frustrated.

Here’s my point: You can get organized and do everything you resolve to do, but you need to pace yourself. It’s like running a long distance marathon. You don’t just shoot out of the starting line going as fast and hard as you can. You will never make the distance that way, so you pace yourself. In the same way, pace yourself in everything and do a small amount at a time, breaking things into manageable pieces.

Have a plan, whether it is writing menus for good balanced meals for each week, making a budget or, even more important, being bold enough to write down and acknowledge what your debts are.  Make a plan. Plan where to cut your spending or to start to get organized, try making a list of 1-2 areas of your home you are going to organize each day.

Next prepare. When you are preparing for a race, you would ask yourself, “Do I have the right shoes”, “Are there water stations?”, “Have I slowly worked my muscles into shape?”, “Am I prepared for some pain?” and “When it hits, will I not be afraid of it but keep going in spite of the discomfort?”  In the same way, you may have to spend some time preparing things like planning good meals or making sure you have cleaning supplies and boxes for when you start to get organized.

Pace Yourself
Plan
Prepare

One thing you must remember – discouragement and a sense of being overwhelmed will hit most of us once we start. Pacing will help but it is especially important to have a plan and be prepared when discouragement sets in so you can overcome it and keep going. Here are some things to think about when you start feeling discouraged:

Have you ever looked up the definition of resolution? I did. It means to have firm determination, to be bold and steady and to reduce something to a simpler form. You need to be steady and pace yourself. Little by little and piece by piece, reduce your mess to something simpler and more manageable. You can’t accomplish any of it in a week or two. You took a long time to make the mess and you may have to take just as long to clean it up but like the tortoise in the tortoise and the hare, keep a slow but steady pace and you will win the race and succeed.

Lastly, get up and do it. Stop blaming everyone and making excuses. You won’t even get out of the starting gate if you spend all your time standing there telling everyone why you can’t run. Even if you have a real excuse for not running then at least start taking baby steps and walk. You’ll at least be getting somewhere but if you just stand bemoaning your lot in life and how miserable the world is in these hard economic times, you will get nowhere.You may fall (or eat that piece of chocolate cake, spend more than you should have or leave dirty dishes in the sink one day) but pick yourself up, brush yourself off and keep going. The only thing that will keep you from getting there is if you stop (quit and give up), so keep at it.

We will try to do the same and keep plugging along with ideas on how to accomplish all of the above. Now I must quit because I have a messy room that I really need to deal with today! : ) : )

For more help with organizing, cleaning and laundry, take a look at our How To Organize And Clean Your Home e-books.

[organizing]

Filed Under: Cleaning, Featured, Holidays, Saving Money Tagged With: debt free living, frugal cooking, Frugal Living, homemaking ideas, homemaking tips, money saving tips, organizing, simple living, ways to save money

Zucchini Slaw Recipe – Great Way To Use Garden Leftovers!

August 29, 2024 by 19 Comments

Overwhelmed with zucchini? Try this quick, easy and delicious zucchini slaw recipe, a twist on coleslaw that will help you use those garden leftovers!

This easy zucchini slaw transforms garden-fresh zucchini into a delicious coleslaw. With just four simple ingredients, you can whip it up in no time and make the most of your zucchini harvest!

Zucchini Slaw Recipe

From: Norma

As I was shredding zucchini to put in the freezer, my 12 year old grandson asked, “I wonder what that would taste like made into slaw”. So he got a carrot and we made zucchini slaw. It was awesome!

So here is our easy Zucchini Slaw recipe:

I tried this zucchini slaw recipe and it was yummy! I also tried making it with our garlic salad sauce. Yum! This is a great way to use leftover garden zucchini!

-Tawra

[dining]

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Filed Under: Leftovers, Recipes, Save Money On Groceries, Saving Money Tagged With: Budgeting, cabbage, cheap living, debt free living, frugal cooking, Frugal Living, frugal recipes, homemaking blogs, homemaking ideas, homemaking tips, money saving tips, recipe, Recipes, saving money, saving money on groceries, simple living, tightwad, tightwad gazette, ways to save money, zucchini

One Trick To Cut Kitchen Cleaning In HALF! Make Cleaning Easier!

May 13, 2024 by 35 Comments

Here are some useful tips that will make cleaning easier in your kitchen and the rest of the house! Try them and save not only money but on cleaning aggravation!

Here are some useful tips that will make cleaning easier in your kitchen and the rest of the house! Try them and save not only money but on cleaning aggravation!

One Trick To Cut Kitchen Cleaning In HALF and make cleaning easier!

I did a couple of small things today that I thought might help you make cleaning easier in your home. Here are some quick cleaning ideas:

I see so many people with these plastic scrapers always scraping away at kitchen counters and it never really dawned on me that I have never had to use one before. I didn’t know why until today.

One of the key rules of professional cleaners is to let your cleaning products do the work for you. I didn’t realize it but my mom taught me this many years ago when I started doing dishes. I always rinse my dirty dishes and then place as many dishes as I can into the hot soapy water in the sink.

Before I start washing my dishes, I take my super wet and soapy dish rag and run it quickly over all the kitchen counter tops and the stove. I’m not really wiping it, I’m just getting a nice film of soapy water on it.

Then I wash my dishes. When I’m done, I thoroughly wring out my dish rag and re-wipe the counters. When I do it this way, every bit of pancake batter, syrup and honey wipes right up. This works every time and I never have to scrape my kitchen counters.

I don’t do this every time I do dishes. If we only have sandwiches I know there is probably not much sticky stuff on the counter so I wash the dishes without focusing so much on the counters ahead of time.

Years later, this practice worked for me even better because it forced me to put all the dishes into the sink and get my counters cleared. When I had unexpected customers or company, even though the dishes weren’t done, the counters all looked cleared and nice.

I also had to clean my trash can today. I took it outside, filled it full with soapy water and a little Clorox bleach. I placed the lid and a broom that needed to be cleaned into the water and let them soak for a couple of hours. Later, I went out and all I had to do was rinse them. I didn’t even need a rag or anything. All that nasty sticky stuff that gets in the bottom of the trash can just dissolved away. When you can, let things soak.

-Jill

Jill, I just want to say, YOU WERE RIGHT!!! You mentioned how wiping down counters with soapy water eliminates the need for scrubbing and scrapers and will make cleaning easier. Well, I’ve needed to clean the dreaded microwave for a while now. Every time I’d heat something in it I’d cringe and put off cleaning it because of all the food stuck to the inside.

Well, I took your advice. I got my dish rag nice and soapy and wiped down the entire microwave first. Then I went over to the sink and wiped down the glass microwave plate with hot soapy water and let it sit, too. Then I went back to the microwave and really started cleaning. Everything came off quite easily.

After finishing rinsing the plate, I realized that this “dreaded task” only took five minutes. Who knew?

Thanks! Sarah

Mom always says the best cleaner is hot soapy water. Use it more and you will save more!!! 🙂

      -Tawra

Hot soapy water and soaking work wonders!

      -Jill

[organizing]

Filed Under: Cleaning, Homemade Cleaners, Saving Money Tagged With: Cleaning, frugal cooking, Frugal Living, money saving tips, saving money, simple living

How To Save Money On Toilet Paper – Which Toilet Paper Is Cheapest?

February 27, 2021 by 126 Comments

Do you want to know how to save money on toilet paper? We have calculated exactly how much it costs for 19 different toilet papers. Stop flushing money down the toilet! Check out these easy tips to help you figure out how to save money on toilet paper! [Read more…] about How To Save Money On Toilet Paper – Which Toilet Paper Is Cheapest?

Filed Under: Saving Money Tagged With: Add new tag, Budgeting, cheap living, debt free living, Frugal Living, homemaking blogs, homemaking ideas, homemaking tips, money saving tips, saving money, saving money on groceries, simple living, tightwad, tightwad gazette, ways to save money

Dream Laundry Room Ideas

August 17, 2020 by 10 Comments

Dream Laundry Room Ideas

Dream Laundry Room Ideas

From: Cindy M
This is an idea for handling laundry/clothes that I wish I would have used when my kids were still at home. It would require a good-size laundry room but save a lot of bedroom space. There would be cubbies for everyone – socks, underwear, t-shirts, jeans, anything foldable would go in the cubbies – being folded straight out of the dryer. This would eliminate the need for dressers in the bedroom and the space they would take up. Hanging clothes could either go on a rack in the laundry room if space allows, or in the bedroom closets.

I have to admit this would be my dream laundry room! Since my laundry room barely has room for me stand in I dream of this type of a laundry room everyday! LOL Tawra

My dream laundry room would have an eight foot long and four foot deep table that is the perfect height to fold my clothes on easily with the cubbies and rods above it to place things as I fold them. It also would have a place to keep the ironing board up all the time with a rod and cubbies by it to hang the clothes on. Last but not least it would have a rack to hang all those things like dirty dish rags or towels which need to dry before you dump them in the hamper.

To be honest I love laundry so much I wouldn’t mind dedicating one whole floor to a laundry room. I wonder if more people would enjoy doing it if they didn’t have to do it all in a little 5×3 closet all the time. Cooking and doing laundry are two of the main “have to do” things done in a home and yet they always make theses little tiny rooms to do it in but we create these bathrooms that are so big you could play tennis in them.

I mean how much room do you need to sit on a toilet or stand at a sink to wash your face??? They give you an 8 foot vanity just to brush your hair and put on make up and often don’t give you even one foot of space to fold clothes.

They even are now giving you an area in the bathroom so you can have a couch to sit and read on. I’m sorry but I can think of much more pleasant places I would rather read then laying and looking at a toilet that 4 male members of my family just used.  Makes no sense to me. Although if you are a mom with 4 little ones under the age of 5 that might be your only place to relax. : ) : )

Jill

Filed Under: Cleaning, Laundry, Saving Money Tagged With: Budgeting, cheap living, debt free living, frugal cooking, Frugal Living, frugal recipes, homemaking blogs, homemaking ideas, homemaking tips, Laundry, money saving tips, organizing, saving money, saving money on groceries, simple living, tightwad, tightwad gazette, ways to save money

Turn School Supplies Into Christmas Gifts

July 29, 2020 by 13 Comments

Just before school, when school supplies are on sale, is a good time to stock up on lots of little gifts that will be great for Christmas! [Read more…] about Turn School Supplies Into Christmas Gifts

Filed Under: Holidays, Saving Money Tagged With: Budgeting, canning, cheap living, Christmas, debt free living, frugal cooking, Frugal Living, frugal recipes, homemaking blogs, homemaking ideas, homemaking tips, money saving tips, sale, saving money, saving money on groceries, simple living, tightwad, tightwad gazette, ways to save money

Quit Your Job, Stay Home And Save More Money!

August 11, 2017 by 96 Comments

Many people think you have to have two incomes to be able to keep up with your bills. Here’s how to quit your job, stay home and save more money! [Read more…] about Quit Your Job, Stay Home And Save More Money!

Filed Under: Budgeting, Saving Money, Staying Home Tagged With: Add new tag, budget, Budgeting, cheap living, cooking, debt free living, Frugal Living, saving money, saving money on groceries, simple living

Roast with Cranberry Sauce and Leftovers

March 23, 2015 by 14 Comments

cranberry sauce roast

Roast with Cranberry Sauce and Leftovers

From: Shelley
I loved your recipe for the cranberry roast (see below). It was awesome. The next day, I heated the leftover roast and gravy added about a tablespoon of soy sauce and 1/2 a bag of broccoli florets. I served that over ramen noodles and it made a wonderful broccoli beef type dish.

A lot cheaper than take out!

      -Shelley

 

Cranberry Roast

1 pkg. dry onion soup mix
1 (3lb) roast
1 can (16 oz) cranberry sauce

Pour soup mix in a crockpot. Add roast and top with cranberry sauce. Cover and cook for 8 hours. To thicken gravy, mix 1 Tbsp. cornstarch and water and add to gravy. You can add carrots and potatoes 4 hours into cooking.

 

Photo By: matthewreid

Filed Under: Cooking Ideas And Tips, Leftovers, Recipes, Save Money On Groceries, Saving Money Tagged With: Budgeting, cheap living, debt free living, frugal cooking, Frugal Living, frugal recipes, homemaking blogs, homemaking ideas, homemaking tips, Leftovers, money saving tips, recipe, Recipes, saving money, saving money on groceries, simple living, tightwad, tightwad gazette, ways to save money

Teach Your Kids About Money

March 4, 2015 by 5 Comments

Teach your kids about money

Here’s a real life example of a great way to teach your kids about money.

I was on welfare for a while when my kids were younger. Of course, getting only one check per month made the lack of cash flow more obvious. One day, when I said we couldn’t afford something, they asked, “Why not – you just got that big check?!”

So, I sat them down and wrote the numbers down side by side. I wrote how much the check was on one side and how much I had to pay to others on the other side. I subtracted as I went and they saw the “big” check going down faster than they realized.

They never bugged me after that quite like they had before. I derived the idea from a different idea about how to show kids the realities of cost and the dreams they have about sports cars, big houses, etc. I just adapted it for my situation. I know most parents don’t really want to tell their salaries, but sometimes it can help kids to understand when things are tight.

      -Wendy

 

This is a great idea. I have never understood why parents won’t tell their kids their incomes and let the kids sit down with them while they are paying the bills. This is probably one the best things you could ever do with your kids.

      -Tawra

 

Not only that, but it teaches and gives children a better idea how to use a checkbook, balance a checkbook, be responsible with credits cards and generally make better financial decisions. I am so surprised about how many adults don’t have a clue where to begin teaching their children any of these things. Once again, it shows how important it is to train your children in every area, including finances.

      -Jill

 

Photo By: Betsssssy

Filed Under: Budgeting, Saving Money Tagged With: Budgeting, cheap living, debt free living, Frugal Living, homemaking blogs, homemaking ideas, homemaking tips, money saving tips, saving money, saving money on groceries, simple living, tightwad, tightwad gazette, ways to save money

Creamy Fajitas And Apple Plum Crisp Recipes

January 15, 2015 by 20 Comments

Creamy Fajitas And Apple Plum Crisp Recipes

Try this creamy fajitas recipe, fajitas with a twist, along with a delicious apple plum crisp recipe and more to round out this easy and delicious menu! [Read more…] about Creamy Fajitas And Apple Plum Crisp Recipes

Filed Under: Cooking Ideas And Tips, Leftovers, Recipes, Saving Money Tagged With: Budgeting, cheap living, cooking, debt free living, Frugal Living, frugal saving money, homemaking blogs, homemaking ideas, homemaking tips, Leftovers, money saving tips, recipe, Recipes, saving money on groceries, simple living, tightwad, tightwad gazette, ways to save money

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