Category Archives: downsizing

Decluttering, Denial, and Grief

By Claire Posted in Clutter, downsizing, Simpler Living Tagged , , , , , ,

(The first of three posts on Decluttering and Denial.)

I was in 7th grade when my gym teacher’s young daughter died of leukemia. Everyone in my community felt so sorry for him and his family. After a few years, a rumor got around that he had not allowed his daughter’s bedroom to be changed in any way since her death. To us kids, that was spooky.

Now, as an adult, I get it. Most grieving people need a certain amount of time (which varies greatly depending on the person) before they can give up their late loved one’s belongings. Most people can do it within a few months (sometimes they’re forced to by circumstances), but then there are people like Edna and Henry, who I wrote about in Downsizing Your Life for Freedom, Flexibility and Financial Peace. They lost their mothers in the same year and brought many of their belongings into their own home. Those belongings still fill every nook and cranny of their home, thirty years later.

Denial is actually a stage of grief. It takes a while to accept that someone is gone. One way our minds cope with the fact is to deny it. Denial is a temporary stage. But keeping all of our loved one’s belongings helps prolong the denial and assuage the grief, for a while.

After the initial shock of the loss is past, some people are able to move on by going through their loved one’s belongings, keeping the most precious items, and sending the rest to places where they’ll be appreciated (a concept I emphasize in both How to Clean Out Your Parent’s House (Without Filling Up Your Own) and The Sentimental Person’s Guide to Decluttering.) This is only possible when you reach the point where you truly understand that keeping all of a late loved one’s belongings cannot erase the pain of losing them.

Sharing those items with others helps a grieving person heal. Making someone’s clothes into quilts, pillows or stuffed animals is one way of sharing a tangible memory of a late loved one with others, and helps both the giver and the recipient to heal from the grief.

Sometimes keeping a late loved one’s belongings lets you avoid making a decision about your future. Someone might have a dream of retiring to a condo near a beach someday, but they say they can’t, because what would they do with all of the heirloom furniture left to them by their parents years ago? When you allow inanimate objects to dictate where you can live, consider if you aren’t using them as an excuse to keep you from making a decision that you’re afraid to make.

How to Get Over Decluttering Regret

By Claire Posted in Clutter, Debt-Free, downsizing, Personal, Small-House Living Tagged , , ,

It’s been seven years since we completed our massive decluttering effort, and six years since our grandchildren began arriving. What this means is that from time to time, I find myself wishing I still had something I got rid of, usually something that a grandchild would have liked or that one of my adult children who is now a parent wishes I had saved.

This is tough. That regret is painful. I can picture the item so clearly in my mind, but it’s long gone.

The most recent example is educational toys. I once had a fine collection, curated over many years of raising a large family. But I let go of most of it when we moved to the small house we live in now. There just wasn’t any room for it.

According to her pediatrician, one of our grandchildren may be gifted. This child has a very active mind and body and needs to be kept busy; her response to boredom is to get into trouble. Her parents have discovered that keeping her occupied with challenging puzzles and other activities is the key to saving their collective sanity.

I understand completely, and wistfully imagine how nice it would be to give them all those great educational toys we once had. But they’re gone.

I’ve begun to see, however, that it’s a complete waste of time to regret this, and particularly to dwell on it. It’s not as though there are no other educational toys left in the world. Rather than mourn the loss of what we had, I’ve been taking that energy and putting it into finding new educational toys for my tiny tornado, as I fondly call my very active granddaughter.

I’ve been checking out thrift stores and garage sales, and what I’ve discovered is that many kids are given educational toys, but few use them. So I’m finding very nice puzzles, games and other toys in like-new condition for mere pennies. Sometimes the packages are still sealed!

I buy these things and keep them at home until I see my grandchild. Until that happens, they take up space in my little house, so I’m glad to get them out of here. And, of course, my grandchild and her folks are thrilled with them.

There are no strings to these gifts, no emotional attachment involved. They can keep them or get rid of them once she’s bored with them. It doesn’t matter to me. I’m just happy to help out.

This is a new attitude for me. If I’d kept all of my kids’ educational toys, I’d be saying things like, “Give it back to me when she’s tired of it in case another grandchild needs it,” or “Don’t let her rip that, it was yours when you were little.” I would want that collection to be preserved.

But it’s gone. These “new” items are serving a purpose for a time and then they will be gone, too. That’s OK. There’s a lot of freedom in doing things this way, and the end result is that my house stays uncluttered. So much for decluttering regret!

A Tale of Two Downsizers

By Claire Posted in Debt-Free, downsizing, Personal, Simpler Living, Small-House Living Tagged , , , , , ,

It is far, far better to willingly downsize your life than to lose everything and to be forced into doing so. I’ve lived the first situation, and have witnessed the second, so I feel that I speak with some authority on this subject.

Someone close to me had a very high income for much of their adult life. I’m talking several hundred thousand dollars annually. Occasionally they would lose their job, which is common in their industry, but they would quickly find another, often at a higher rate of pay, which was also common in their industry.

And so during the 80s and 90s, and for several years after the turn of the century, they lived very well indeed. With houses in two of the five most expensive housing markets in the country, plus land in Hawaii that was going to become the site of their vacation home, they were riding high. There were cruises, expensive cars, designer clothes and shoes, gorgeous furniture….they were living the life they always desired.

Then came a job loss that was not followed by a new job. By then, they were well into their 40s, and soon discovered that getting hired was no longer a sure thing. Before long, one house had to be sold, and then another. The land in Hawaii was sold for a third of its market value. The cars were sold, too, as was the furniture, once a rental townhome became the best possible housing option. But the credit card debt was insurmountable, so bankruptcy ensued.

But they would not give up on getting the dream back again. Even though they own nothing now, they’ve been renting a small place in one of the extremely expensive cities where they once owned a home. They’re working two jobs, and barely surviving. Their sole car is leased, with one year to go. Some of their credit cards are maxed out already; they also owe money to a couple of generous friends and relatives.

I’m very worried about this person, but they laugh off my concerns, even after all they’ve been through. (I could not live with the stress of their lifestyle, and I no longer have the energy to work two jobs, if I ever did.) And with retirement looming around the corner for both of us, I can’t imagine what they’re going to do if they don’t hit it big again (an unlikely event), given their addiction to a pricey lifestyle.

I am grateful for my simple, small house, my paid-off old cars, and having no debts. I don’t know where my husband and I would be today if we hadn’t willingly downsized our lives 11 years ago. I sure wish the person I’ve described here would have done what we did.

(Learn how we and others have proactively downsized our lives in my book, Downsizing Your Life for Freedom, Flexibility and Financial Peace.)

 

What Do You Spend Each Month?

By Claire Posted in Debt-Free, downsizing, Retirement, Simpler Living, Small-House Living Tagged , , , , , ,

You can’t determine what affordable housing means for you until you know how much money you have, and how much money you spend. We’ve previously looked at the first; now let’s figure out the second.

Whether you use an expenses app on your phone, or write down every dollar you spend in a small notebook, get in the habit of tracking your expenses. Do this for three months straight. This will give you a pretty good idea of what you spend, and where you spend it.

You’ll need to group your expenses into categories. I use my own categories when I do this (I’ve done it for almost my entire adult life). They include:

  • House payment or rent
  • Utilities
  • Property tax
  • Charity
  • Health-sharing ministry
  • Food
  • Car Insurance
  • Car expenses
  • Car gas
  • Medical/dental
  • Disability insurance
  • Life insurance
  • House insurance
  • Miscellaneous
  • Entertainment (includes dining out)
  • Gifts/cards
  • Yard/house
  • Clothes
  • Cell phone
  • His hobbies
  • Her hobbies

Many of these expenses are the same every month, so it’s not that hard to do this on a monthly basis. Just total these expenses, and any others you might have that I don’t have on this list; that total is an important number.

The big question is: how big is that number compared to your total monthly take-home pay? Do you spend more than you earn each month? If you do, something must be done. You need to be financially solvent going into your later years if you don’t want to end up living in your car someday.

If you’re spending more than you earn, I assume you have credit card debt. You’re going to need to get rid of that. If you have a spending addiction, you’re going to have to get help for that. If you live like someone who earns far more than you actually do, you need counseling to find out why you do that.

In addition to those issues, look at the individual categories to see where you can pare down. The largest categories are ripe for that, but the smaller categories add up, too. Be honest with yourself; where can you cut back so you can start spending less than you earn?

If you already spend less than you earn, congratulations! You’re one big step ahead of many people. Now you need to look at where you want to live before and in retirement, and whether you can afford it.