Tag Archives: frugal

Simple Wardrobe for Home Office Workers

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Trimming down my belongings... starting with the closet.I’ve looked at other “simple” clothing lists and I find them to be too extensive for my needs and desires. I’m going to lose weight … someday… but for now, I’m tired of waiting for the “right” wardrobe. Now, I’m ready to simplify what I have and get rid of what doesn’t fit, isn’t flattering or isn’t comfortable.

I figure when I do lose weight (note the “when” is not an “if”) that buying new clothes will be a treat instead of a chore.

After pruning my wardrobe (again) and after trying to determine what I REALLY need in my closet to do my work, feel comfortable, and have what I need for any “event” without needing to dash out and buy something new — I’ve settled on the following list of basics.

Shirts/Blouses

  • White pin-point tailored oxford button-down shirt
  • Long-sleeve natural linen (ethnic) tunic top
  • Silk patterned suit blouse
  • Plain white t-shirt
  • Black “Attitude” T-shirt (Janice Joplin one right now)
  • Long-sleeved button-down shirt (lavender mini-check)
  • Lavender long sleeve crew-neck cotton shirt
  • Bright 3/4 sleeve shirt, princess seam button-front with collar (solid red)
  • Black silk (washable) or Khaki tunic-length tank top
  • Sheer, flowing patterned shirt with butterfly sleeves (for over tank and camisole tops)
  • Black short sleeve Mock-turtleneck (for hot weather) / Black classic turtleneck (for cold weather)

Sweaters

  • Cotton fine-cable twin set (in Oatmeal)
  • Black V-neck all-weather fine-gage cotton sweater
  • Black short-sleeved collared sweater (ribbed)
  • Dark sleeveless sweater (chocolate brown or black)

Bottoms

  • Pair of Jeans (yes, just my favorite pair)
  • Pair of casual black/dk brown twill pants
  • Pair of khaki slacks (cold weather) or long khaki shorts (warm weather)
  • Long indigo skirt (Denim or Tencel – my preferred fabric)

Sets/Suits/Full Outfits

  • Swimsuit
  • Scrub suit (for lounging and painting and remodeling)
  • Tea-length machine washable patterned sheath tank dress
  • High Quality Basic Black All-Season suit (jacket, long skirt, slacks)

Unmentionables

  • Sleepshirt
  • Four camisole bra tops (brown, white, black, lilac)
  • 3 pair white socks/5 pair black socks
  • 2 pair of tights/hose (one light, one dark)
  • 2 white bras/2 black bras
  • 10 pair undies (5 each black and white)

Accessories/Other Stuff

  • Black leather organizer purse
  • Go-bag (electronics/mobile office or weekend of clothes)
  • Keen Sandals (or tennis shoes)
  • Pair of basic black leather heels
  • Boots (work, hiking or western)
  • Silk scarf (multi colored/patterned)
  • Leather coat – stadium length
  • Leather gloves

By most standards, this list is sparse. That’s ok. It’s not colorful. That’s ok, too — I prefer basic. By modern “norms,” my housing desires are also small.

I don’t want multiple closets or a huge one and I prefer to hang everything because I find that folded clothes seldom look as good on as hung ones do. It’s easier to find what I’m looking for in the bleary-eyed a.m. hours if everything is hanging in one place. (It’s also faster to hang clothes than it is to properly fold them, and I’m all about the efficiency.)

The way I see it, I have a washer and a dryer, and I’m not afraid to use them. I prefer NOT to have enough clothes that I don’t have to keep things done up. I don’t like having mounds of dirty clothes and with my most recent purge, I can’t. I may cut back more in the future, but this is good for now.

Now, I have only the clothes I really love. I have just a few of them and all is right with the world.

Glad the price of gasoline is soaring!

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While gasoline prices top $4.00 per gallon and the economy pundits’ projections dip and sway, I’m glad that my business is already established and runs from a home office.

I’m also pleased that I’ve taken the time to evaluate my clients, services and my business expenses and trim them all back neatly. My next big “trim” will be the number of days I work per week. I’m preparing for it now and hope to implement my new, shorter workweek by the end of July.

Determining how much I should make this year made it easier to look at how many days a week would be required to make that target income and to plan accordingly. It’s also made me re-evaluate my original numbers and trim them back even more.

I credit the price of gasoline for encouraging me to take some steps that are improving my business and my life.

Dovetailing Errands

I’ll be spending one day out of the office per week to get the things done I need to do. I visit with my parents once a week and spend the day. They live two hours away. On the way up, I run errands for the business and pick up anything I need that’s only available in their city while I’m there (that way the trip can be expensed). They have an office supply store and a general merchandise super-store there. I don’t have either of those here.

I get an early start so I can arrive at their house between 9 and 10 a.m. In the late afternoon, I head back to the house and do my grocery shopping and other personal errands on the way home.

Living a deliberate life

It means I only get out once a week now, but it also means I accomplish the bulk of my non-client related to-do list on that one day. These choices aren’t purely financial. I’ve actually started recycling. (Dropping it off is another item on my errands list each week.)

My new push to live life more deliberately and to think things out before jumping and running helps me to minimize the ecological impact of my life. I watch the extra packaging and purchase fresh foods locally as much as possible.

I’m actually saving money

Making sure that I never make a trip out for just one or two things requires me to plan ahead, make lists — and an unexpected bonus is that I’m avoiding impulse purchases and using less gas every week. By doing the shopping on my way home from my parents’ house, after I’m already tired, I’m not tempted to participate in “entertainment” shopping.

I don’t stay in the store long enough for the bright packaging and the multi-million dollar ad campaigns to do their job. I go in, get what I need and get out. My shopping lists are pretty basic and fairly healthy.

An improved way to measure success

For years, I emphasized making more money. It was a “marker” of my success. It helped me to feel that my little cottage industry was real, sustaining and important. It meant that leaving my corporate job was the right decision.

Now, I’ve changed my approach. Now, I look at what I really need and am honest about what can do without. I weigh my purchases more carefully and I bundle all my travel into a single trip. Now, I realize it’s not how much I make that really impacts my quality of life — it’s how much I spend. Continue reading →

Capturing the Media Limelight

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Want excellent local media coverage? Want to get your business name spread across the Internet? Want to do it all for free? It’s possible!

There is no such thing as a free lunch, but it is possible to secure free media coverage if you plan ahead. Maintain a strong interest in your niche industry and stay flexible enough to jump quickly at any opportunity, and you can bask in the glow of free publicity.

Serve the media and it will serve you

Media professionals rush for a living. They are constantly under impossible deadlines. They get assignments, have news that breaks, and sometimes they just need to fill space. They always have to do these things five minutes ago. So, if you become a dependable resource for them, they will call.

If you want to get the “breaks” with the media, if you want the inside track with the local, regional and national outlets you have to become a great media resource.

A Great Media Resource:

  • is always available
  • alerts media professionals to changes in the industry
  • will jump through hoops to help THEM meet their deadlines

It’s difficult to be always available when you are juggling multiple projects. Don’t let a nervousness about being interviewed turn into a hesitation. Make sure your primary number forwards to your cell phone and always return calls promptly. Not all media folks will identify their industry when they call. Even if you are overwhelmed with work, call back every lead – potential customer, referral or media professional and do it immediately.

Often, media workers will gather a list of potential interviews and will begin by calling the list from top to bottom. They will stop when they reach someone they can interview. You need to be that someone.

If they call (or email) and can’t reach you — they move on to the next person. They don’t have time to wait.

Courting the media

Media professionals like having an “insider” in the industries they cover. If you send them updates, press releases and statistics regularly with the statement “I’m available for interviews” in each one, you may become one of those insiders. Become a “go to” resource for the media in the same way you are that resource for your clients.

How can you do that?

If a you read an article in a local paper and it’s missing an aspect or a bit of information that you can provide, take that opportunity to email the reporter. Let them know (in a non-threatening, helpful way) that you are willing to serve as a resource for future articles.

Dear Jane -

I really enjoyed your article on the impact of the housing crunch on the local market printed in today’s paper. I work with real estate agents across the nation and try to stay on top of the local, regional and national trends to better serve my own clients.

I noticed that you mentioned the increase in the inventory this year over this time last year. The increase is pretty dramatic and the local figures in the databases I use indicate a 47% increase over this time last year in the $200-400K homes. However, the inventory has actually dropped 7% in the $800K+ homes, so there is some light in that segment of the market.

If you plan to do similar articles in the future and need figures or another resource to quote, I would love the opportunity to help. You can call me at 800-123-4567 anytime.

Thanks again for the great articles, I love reading your work!

Jan B. Smith
TheOutsourcingPro.com

When news is happening, like a new company coming to the area, stay on top of the news as it develops. Use Google email alerts to flag topics related to your area of expertise, so you know the moment something happens. When the announcements roll in, email the reporters you are courting with the fact that it’s just been announced and tell them you are available if they have any questions.

Distributing press releases and writing articles

Press releases by themselves are not a marketing plan. They are, however, an important piece of a good plan. Press releases shouldn’t be self-serving, “look-at-me” pieces of fluff. They should provide actual information about what’s going on in your target industry and why it’s important to media readership and your clients. Make sure your information lends itself to use in an article, a feature, or another media format.

Three free PR venues I like:

  • PRLog.org
  • free-press-release.com
  • powerhomebiz.com/BizNews/pressrelease.htm

When you send out your free online press releases, don’t forget to send those same releases into the business editor of your local paper and other papers in your region.

Look for magazines and other publications that serve the same industries you serve. Know the editorial schedules of publications that will help you (these are usually available on their website). Email the editors and offer to write an article in your area of expertise.

Get some confidence!

If you don’t feel confident in your ability to write an article, call in some help. Many industry experts have personal writers that help them to look good. Find someone you like who will work with you to provide you the presentation polish your knowledge needs.

I have one client that gets a call from the media and immediately calls me. He calls and says things like, “I need to write an article on the use of routers for wireless networks in real estate offices and have it to an editor in 48 hours, can we do it?” And, of course the answer is always “Sure!” So while he’s driving back to his office, we are talking on the cell phone and I’m “pulling” the information from him and typing it up as we chat. By the time he reaches his office, I’ve polished up a first draft for his review.

A good media “helper” can also help you prepare for upcoming live interviews and help you write up exceptional responses to email interviews.

If you manage to “click” with a good writer, you can get this type of help on the fly. It will give you the polish and the confidence you need to shine when you are in the spotlight. And if you are just getting started in your business, you may be able to trade off your services with a writer who needs help in other areas.

Media is your star client

Always treat members of the media with the same dedication and service you offer clients. After all, they ARE a client. Make arrangements to be able to offer them what they need to meet their deadline – even if you have to juggle to do so. Like your other clients, they will come back if you make their lives easier – and will recommend you to their peers.

Good media coverage is a self-propagating process. If you are featured in an article, a TV station may pick you up as a resource, industry magazines may ask you to write an article, local event coordinators may ask you to host a session or sit on a round-table.

The more you do in the public spotlight, and the more you work with the media, the more you will be asked to do.

Simplicity NOW! (And I really mean it)

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I’m taking some serious steps to simplify my life. Yeah, yeah, I know, I say that all the time. But seldom do I actually start pulling out my possessions and start listing them on eBay. I’m doing that now. I’m selling sterling silver flatwear, pewter pieces, and I’ll soon be adding jewelry and other trinkets.

If this first week of throwing out my “eBay net” works well, I’ll be digging into storage and pulling out more stuff to sell. I’m tired of being tied to so much stuff. Yeah, I have less “stuff” than most people I know and YES, I’ve sorted through it and managed to keep only the ‘best of the best’ from my collections.

But it’s still too much. I’m tired of the responsibility of it all.

My biggest desire right now is to be out of debt. COMPLETELY out of debt and it’s close. I’m almost there. So what’s the purpose of having all this stuff and having to put in extra hours to keep it insured and protected, dry and safe, to worry about it disappearing in a fire or by theft?

Life is too short.

After all, my dream is to travel light. And right now, I’m travelling pretty heavy through this life. So, if the first 7-day auctions go well, I’ll add more and continue to simplify my life. I’ll do it. I can and I will!

The Best, Easiest, Cheapest Business Planning Tool — Ever!

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How much money do you need to make in 2008? How much do you want to make? Have you budgeted for expenses? Have you planned for vacation time away from work?

I just finished and filed my taxes. Yeah me! But the cooler part of that equation was that I took the tax software for 2007, and ran a few numbers for fun. Yes, I said “for fun.”

I hate taxes and bookkeeping more than the average joe… probably a lot more… but I found this process quite enjoyable. Why? Because it gave me a perspective that all the personal business planning to date hasn’t managed to offer.

How so? Let me explain…

After my taxes were complete, I saved that file for posterity (and for future reference, if needed) and renamed the file so I could play, without re-entering all the information.

First I gave some serious thought to the larger purchases I need to make for the business this year. For instance, going from a two-monitor system to a single one with my new Linux computer has been difficult. Within the next two months I plan to purchase two wide-screen monitors and a graphics card to push them to improve my efficiency when I’m online (and to eliminate any of that pesky extra deskspace I might otherwise enjoy.)

I reviewed my expenses for 2007 and determined which ones would be about the same and which ones would increase and which ones I could whittle down. I plugged my best estimations onto each category. (Which also gives me a de facto operating budget for 2008 neatly organized into tax categories, now printed out in my budget notebook!)

The next thing I did was max out my retirement contribution for 2008. (Note that IRA contributions will increase from $4000 in 2007 to $5000 in 2008, and take that into account with your final numbers.) With my expenses and my investments calculated, I then tweaked some of the other numbers to determine exactly how much money I need to make in 2008 to meet my income and savings goals without increasing my taxable income dramatically.

There are a few little spots in the income category that really bump up your taxes – to the tune of 30%+. Personally, I don’t want to work to make an extra 10K, if that means that the federal government will take $3300 of that off the top. I’d rather have a little more time to call my own.

You can also use this tool to determine how much you should put into your IRA contribution… for 2007. I found the “sweet spot” in my own contributions by plugging in various IRA contributions until I found the amount that benefited me the most in taxes without breaking my budget. Since you have until April 15th to fund that IRA, it’s crazy to pay more taxes than you must, if you can pay yourself instead!

I decided this year that rather than simply trying to make as much money as possible, I would employ the 80/20 rule. I determined the optimum income for my personal situation. I’ve been working as an independent, remote professional for eight years now. I wanted to get a bit smarter about it. I love my business, but I’m tired of it constantly encroaching on my life. I’m ready to have my cake and eat it too! Being self-employed is a tough balancing act, but your income is still merely a tool to live – even if you adore your work.

So, I decided how much time I wanted to take off this year for personal days, vacations, etc. In 2007, I took off the entire month of December. Granted, I had to move from the city back to the country during that month, but I also enjoyed a cruise vacation. As a result, I’ve decided that vacations are wonderful! Yes, I should have known that before, but I only managed to take “working” vacations in the past. I’ll not make that mistake again. Live and learn.

I deducted the number of weeks I wanted to take off this year from the available 52 to determine the number of working weeks for me in 2008. I even padded that figure a little for personal illness days, personal mental health days and days when the kids may be sick or other members of the family may need my help.

I took the number of dollars I wanted to make this year (from the tweaked numbers on the tax program) and divided that by number of work weeks I determined I would have to give me the amount of money I needed to make per week.

Then, dividing that figure by my hourly rate, I knew how many hours I needed to bill per week to meet my goals. I was surprised at the figure… and thrilled.

I also was honest enough with myself to know that I work 2-3 hours for every billable hour. Yes, I should be more efficient, but I spend many “non-billable” hours writing articles, doing research and staying on top of the industries I serve and the technologies they use. I also have an unquenchable personal thirst for such things, so I’m not as disciplined as I should be. Knowing your weaknesses and working those into your budget will make your numbers more accurate.

Now, I know how many hours I need to work per week, how many need to be billable and how many days off I can take this year without impacting my bottom line. It’s a liberating feeling. It takes the guess work out of being self-employed.

This year, I’m not going to spend my life at the computer and I’m probably going to actually enjoy more of the money I make. Yes, the software I used is based on 2007, not 2008, but it’s probably the best tool readily (and inexpensively) available to make these determinations for the small business owner.

You may want to give it a whirl yourself… after your taxes are filed.

Personally, I use TaxAct… it’s about half the cost of the leading software, it’s downloadable for immediate gratification, and I find it simple to use.

(It also keeps a running total of taxes in the top right hand corner which helps for “comparison” planning for the new year.)

Once this year is winding down, I’ll order the 2008 version and plug in my numbers to make sure I’m on track. I’ve planned my work so I can determine in October how much more I need to make, if I should invest in any additional equipment, and what needs to happen to keep me on track even with the changes in tax law. I’m actually looking forward to doing my taxes for 2008 to see how well this planning works. Me… looking forward to doing my taxes! Will wonders never cease?