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Get Organized in the New Year

Dec 26
10:00
AM
Category | General

With the New Year just around the corner, it’s time to take stock. Another gym resolution? Forget it. This year, resolve to get organized. All the gifts you’ll acquire over the holidays will need a place to live, and you’ve probably got plenty of items you can get rid of. No matter how big (or small) your house is, one thing people always seem to want is more storage. So, give the following ideas a try to maximize your space and head into 2018 feeling a little bit lighter — and a lot more organized.

Kitchen

If opening your pantry feels like stepping into chaos, it’s time to pull everything out, sort, toss, and reorganize. If it’s expired, throw it out; if you haven’t used it in a year, donate it. Do the same for your junk drawer. Everything left can now be organized. In the pantry and cupboards, items you use all the time should be at eye level. Put less-used specialty items on top shelves and recycling bins on the floor. Use clear, labeled containers for sugar, flour, and cereal, and group like items in baskets, such as bags of beans and rice. Empty big boxes of individually packaged items, like snacks, into labeled tins.

Closets

Up, up, up: To keep your closet uncluttered, you need to keep things off the floor. Unless you’ve got labeled bins with lids, everything should be on a hanger or a shelf. For the ultimate in organization, switch out your clothing seasonally. When spring arrives, pack away sweaters, scarves, and gloves, and ...


General

It’s the most wonderful time of the year — but for people trying to balance work, home, and a slew of holiday commitments, the holiday season may not be so jolly. If you’re feeling overwhelmed, take a deep breath, grab an eggnog, and follow these steps for de-stressing your holidays. 

1. Make a list and check it twice. To-do lists are an amazingly simple and straightforward way to stay on task and make sure nothing gets missed. Review your list every morning and evening, and be sure to cross off the tasks you accomplish — you’ll see that things are getting done, even if you’re too busy to feel it.

2. Use your vacation time. This is what it’s for! Plan a lunch date with friends, set aside a day to get your last-minute shopping done, or reward yourself with a day for just relaxing. You'll enjoy the season more if you know you've got a full day coming to get personal holiday tasks completed.

3. Give yourself a break. It’s just not possible to accept every invite, handmake gifts for everyone on your list, and keep your home and work organized. Remember, everyone else is wrapped up in the holiday chaos too, and this is a time of forgiveness and understanding. The first person to offer understanding to is yourself!

 


Mortgage Speak

Waiting to buy a home until spring or summer seems like the obvious choice for most families. The weather is warmer, kids get to finish out the school year, and there’s (usually) an abundance of homes on the market to choose from. But what about that other crucial factor — affordability? If saving money falls high on your list of priorities, here’s why buying a home during winter might be right for you.

The combination of lower prices, less competition and motivated sellers makes winter an ideal time to buy a home.Lower Prices

A 2016 study by NerdWallet that analyzed home sales prices in the 50 most populous U.S. metro areas found that homes are 8.45% cheaper (on average) in January and February compared to June through August. That can translate to thousands of dollars in savings. To give you an idea, consider this scenario: The median existing-home price in June 2017 was $263,800. Assuming the 8.45% discount that you could get by buying in winter, you could save $22,291. Keep in mind, the extent of your savings ...


General

During this time of year, we all need a reminder about the true spirit of the holidays — giving. If you're feeling overwhelmed by the consumerism of the holidays, giving back is a great way to bring some balance into your life, while spreading a little bit of joy to others. With a plethora of worthy nonprofits out there, how do you choose the right one? If you feel inspired to give back this holiday season, use the following tips to help you find an organization and cause that you care about.BankSouth employee volunteering. BankSouth loves our community.

While researching charities, here are three questions to ask yourself.

1. Is the charity fiscally and ethically responsible?
Find out how the organization manages their finances. Reputable nonprofits should be transparent with this information and make sure their practices are in line with how you want your dollars to be used.

2. Are they a true nonprofit?
For your contribution to be tax-deductible, make sure the organization is a 501(c)(3) tax-exempt organization. The IRS has an online tool you can use to check if an organization is eligible.

3. Do their values align with yours?
Aside from the cause itself, research the organization's background and beliefs. Be sure to ask not just about what they do but why they do it to ensure your donations are powering the kind of change you're passionate about.

Once you ...


General

How Not to Break the Bank This Holiday Season

The holidays are almost here. Get ready for festive parties, family gatherings, and...financial stress? Hold up, let's scratch that last one. The holidays should be a time for celebration, not financial frustration, yet why do so many people find themselves worrying about their bank accounts this time of year? With the amount of commercialism we're bombarded with around the holidays, it's tempting to splurge on all the latest gifts and gadgets, but doing so without a plan can get you in a sticky financial situation. This year, follow these five tips to help you celebrate the holidays without breaking the bank.Woman Purchasing Gift While Holiday Shopping

Make a list (and a budget)

From the get-go, create a list of who/what you need to buy for, and assign a dollar value to each. Knowing how much you can spend will help keep you on track throughout the season, and if you stick to it, you should be able to avoid those bank account notifications containing the dreaded "overdraft" word. Most importantly, consider the consequences if you go over budget, ...


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