Posts Tagged ‘clutter’

Clutter can cost you money

September 29th, 2009

Nearly all of us fight the battle against clutter, and allowing clutter to reign can cost you financial in a number of ways. The most common one that comes to mind is paying bills late and being slapped with fees because the bill got buried underneath some pile on your desk.

Here is an unusual real-life example of clutter costing money. My wife’s great aunts, both in their eighties, share a house that had become an enormous mountain of clutter. Well unfortunately one of the great aunts fell and broke her hip, and to allow her to be able to move around at home with medical equipment and such the house needed to be decluttered. The Louisiana family spent over a week helping to get the house in condition, sorting through mounds of old clothing, mail, and other items.

They found a lot of interesting things in this decluttering exercise, perhaps the most frustrating of which was a $60 paper gift certificate to Maison Blanche department stores. It was piled amongst some books and other gifts that they had received many Christmas seasons ago, still in the gold gift envelope. Never heard of Maison Blanche? There is a good reason for that: it was bought out in the early 1990s by Dillards and has operated under the Dillards name ever since.

I have sent an email to Dillards customer service to see if they can in some way honor the certificate or exchange it for a Dillards gift card:

To whom it may concern:

As long as Dillard’s Department Stores have been in business and knowing the many other department stores that have been acquired and added into the Dillard’s family of stores, I am hopeful you can appreciate this story and assist with our request.

As you are probably aware, Dillard’s has purchased a number of department stores with locations in south Louisiana over the years, including Maison Blanche stores in the early 1990s. Considering how long it has been since that acquisition, imagine our surprise when we recently came across a gift
certificate to Maison Blanche!

While helping to declutter our great aunt’s home after her recent hip surgery, we found an unused $60 gift certificate buried amongst books and other items she had received as Christmas gifts that year. Obviously there are no longer any Maison Blanche stores at which to redeem the certificate, and in the age of gift cards we would likely receive very odd looks trying to redeem a paper certificate in a Dillard’s store. However, as the certificate bears no expiration date we would like to be able to redeem the certificate or have a gift card issued in its place. Please advise as to how we can redeem this very old certificate.

Sincerely,

BillyOceansEleven

Unfortunately my email received only a standard “we will forward it to the proper executive for handling” response, and after two weeks we haven’t heard anything else so I am assuming the certificate is ultimately worthless (thanks for all the help there, Dillards!). So there is a real-life, albeit unusual, example of how clutter can cost you money.

Receipts: The tree-huggers’ nightmare

September 2nd, 2009

Ever run into the grocery store for milk and bread and come out with a two-foot long receipt for your two items? So have a lot of other folks, including our friends at the Wall Street Journal who did a story on the phenomenon. It seems that retailers have found this to be the perfect spot to add promotional messages, coupons, store policies, and seemingly every other useless piece of information they want to get in front of customers. What are my favorite receipt paper wasters?

  • Safeway’s receipt that tells me my status in earning a free Signature Deli sandwich when I have never purchased a single one. Do I need to be constantly reminded that I have purchased 0 out of 7 sandwiches towards my next free sandwich?
  • Home Depot’s receipts that will print the survey invitation every time. Seriously, there are probably about 12 people left in the U.S. that have never made a purchase from Home Depot, so everyone has probably been invited to participate in the survey at least once. At least make it where the invite prints on only a certain percentage of receipts.
  • Receipts that insist on printing the entire return policy of the retailer on the front of the receipt. Couldn’t you just pre-print that on the back, which is usually completely blank?
  • Receipts that insist on printing all of the surveys, promotional messages, etc. in both English and Spanish. C’mon! This is America! Can we just make the assumption that a customer speaks English?

As alluded to in the WSJ article, Walmart is testing out receipts that print on both sides, which I recently encountered at a Sams Club here in Houston. It seems pretty odd at first, but my receipt for eight items had the header and my purchases listed on one side and the payment info and a survey invite on the other. The entire length of the receipt was only about four inches long. Very cool.

The WSJ article does single out CVS receipts as being long, but at least a lot of the extra length on those is coupons which can represent some value to the consumer. However, I would prefer that they cut the coupon so it is easily detached from the end of the receipt, like Target does with gift receipts.

Of course all of this creates tons of paper clutter for those of us that save receipts to track expenses. I’ve been working to clear out a lot of my clutter recently, which will be the subject of another post.

10 Daily Steps to Higher Personal Effectiveness

July 8th, 2009

This isn’t directly related to personal finance, but I liked this list of things to add to your daily routine to make your life less cluttered that was posted at Unclutterer. A lot of the list, however, deals more with just getting things done rather than managing stuff. Here’s a quick run down, and for more detail check out their site.

  1. If you have pets, make your bed. Doesn’t really apply to us, but I can see where pet hair and the like would be unwelcome bedmates. 
  2. Know where you’re going. This includes nothing your route and the traffic conditions that might warrant a detour. While traffic is a fact of life, a lot of traffic jams and wandering around looking for something because you’re lost can be avoided, saving time and money.
  3. Plan your perfect day. I’m an accountant, so there are no perfect days. However, I do find making a list of what I need to do the next day helps to focus my energy when I get into the office in the morning.
  4. Clean out your desk’s inbox. Some sorting and weeding of easy items is good, but it seems like trying at absolutely clean out the inbox is a recipe for either getting stuck at work late or leaving a bunch of stuff unorganized and unfinished for your arrival the next day.
  5. Set your desk for tomorrow. This should include cleaning up your desktop. I’m not the best at doing it, but I like to at minimum sort through the papers that accumulate on my desk during the day (in my job I do a lot of analysis, so I can end up with multiple schedules scattered on my desk by the end of the day). This goes well with #3 and #4 above.
  6. Sort, open, and act on your mail. I’m trying to get better at this as well. We moved my office downstairs in our house, so the shredder is now easily accessible as I sort the mail. The credit card offers and such go directly into the shredder and the other junk mail goes into the trash. Bills go into my work bag to pay while I’m taking my lunch at work the next day. The weak link for me is statements and such which end up in a pile on my desk until I get tired of looking at them and bring them to work to scan. I just need to bring them with me to work with the bills and scan as I receive them.
  7. Load (and, if necessary, run) the dishwasher or hand-wash the dishes. We’re pretty OCD about this. We never leave dirty dishes out overnight. Larger stuff gets hand-washed and everything else goes in the dishwasher. The only disagreement between me and the wife is she insists on running it nightly, even if it isn’t full.
  8. Get ready for bed an hour before you plan to go to sleep. I don’t use a full hour, but I’ve gotten into the habit of making sure my clothes are laid out and my lunch is packed before I go to bed. It is a waste of time and money for me to go out to lunch just because I was too lazy to pack the lunch the night before and I was too rushed to do it that morning. I also make sure that those bills and anything else that needs to come with me to work is packed up and ready to go.

Here are a couple of bonus tips of my own for you:

  1. Use your lunch break to take care of personal business. One of the luxuries of bringing your lunch to work and eating at your desk is that you normally won’t need the whole hour. Keep a list of personal items you need to work on (bills to pay, rebates to submit, etc.) and use those to fill the remainder of your lunch break. It helps allow you to relax once you get home from work and avoid booting up the computer to clear your personal tasks list. Haven’t you already spent enough time in front of the computer by the time you get home?
  2. Keep a to-do list with you at all times. We’ve all done this: think about something that you need to do and then completely forget about it. A lot of times these types of things will come back to bite us in the butt (i.e., when you forget to send in the credit card payment), other times it will just mean wasted time and effort (i.e., when you go to the store and remember something you were supposed to get after you’re already home). A great way around this is to keep a “to-do” list with you so you can jot things like this down and review it regularly. A pad and pen will work, although I find using the Fliq Tasks app on my iPhone to work really well. It helps keep me on track when I ask myself the question “what was it I needed to do.”