Unclutter those little monthly bills

Most of us have two types of monthly bills — the big stuff and the little stuff. For the purposes of this post, I’m not talking about the big ones. I don’t mean the mortgage/rent, car payments, insurance, and so on. Those things are there and you pay them as part of your life responsibilities. No, in this case I mean the little costs, the automatic payments that are so easy to forget and that pile up quickly. You know, that $2.99 a month subscription fee or the $5.00 monthly rental fee. If we remember these at all, the temptation is to say, “Eh, it’s three bucks. I’ll deal with it next month.” Meanwhile, three becomes nine and then 12 and by the end of the year 36 — but for dozens of little things so the total is in the hundreds.

Once a year, I sit down and unclutter these little payments to decide what stays and what goes. If you’re interested, the following is advice on how you can do it, too.

Write it down

The easiest way to get look at what you’re spending is to write it all down. When I do this review, I chart it up on a piece of paper:

There are four columns:

  1. Name: The title of the company or service
  2. Cost: What I’m paying out
  3. Description: A plain-English description of exactly what I’m getting for my money
  4. Stay? After reviewing the information in the three previous column, I decide: “Does it stay?” If yes, I enter a “Y” in the last column. If not, it’s “N.”

In the example above, I’ve entered two services. First is Netflix. It costs me $7.99 per month to stream all the TV shows and movies I want. Is it worth it? For me, yes. My family and I spend more time watching videos on Netflix than we do on cable. For us, it’s worth it. Netflix stays.

Next is Blizzard. Blizzard is a game company that lets me play World of Warcraft online for $14.99 per month. Is it worth it? Well, a few months ago, I was meeting up with several friends so that we could all play together. That was great fun, but it has fizzled out. I don’t enjoy playing solo as much. So, I nixed it. That just saved me $179.88 per year! Hooray!

Why did I sign up for this?

Before you decide if a service stays or goes, concentrate on brainstorming so you get them all down. It’s possible that you’ve completely forgotten about one (or even more). Do you have a transponder in your car that comes with a monthly fee? Do you have a safety deposit box at the bank? Does your bank charge you a monthly fee if your balance falls below a certain dollar limit? Are you renting any large pieces of equipment? Do you subscribe to magazines?

Once you’ve remembered all your little costs, add up the total amount spent. It might be surprising. Once you’ve nixed the services you no longer want, you’ll feel really good about saving that money.

Hold onto your list

Although it’s a little morbid to think about, having all of these subscription services written down in one place would allow for someone else to help close your accounts or suspend them in case of an emergency. Store your list in an “In case of …” file so a loved one can find it. Also, you can reference it in six months or a year to help you brainstorm all the little bills you’re paying each month. You can then replace the old list (shred it) with the new list in the file.

As I said, these small monthly fees are easy to forget and tempting to overlook. This post is your prompt to unclutter them! In less than 30 minutes, you’ll have a good overview of what you’re spending, feel more on top of things, and perhaps save a little money for your trouble.

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Ten DIY gadget charging stations

“Where can I plug this in?” is a dilemma of the contemporary age.

As phones and tablets become more popular, two problems arise. First, most wall sockets only accommodate two items each. That’s easily remedied by connecting a power strip. One plug becomes five or six, and you’re good to go.

But the solution to the first problem begets problem number two: the jumble of cables and wires is just ugly. Plus, they get tangled, swapped, and misplaced. You could spend money on a decent-looking solution or whip up your own home charging station. The following are 10 great examples I found while poking around the Internet. Each charges several devices simultaneously and looks a lot better than a power strip and a rat’s nest of wires.

  1. Hidden in a drawer. I first saw this solution on Pinterest. It keeps everything out of sight completely by placing the whole lot inside a drawer. The setup is simple: drill a hole in the back of the drawer, thread the power strip cord through and plug it in. You might want to fasten the power strip to the bottom of the drawer to keep it from wobbling around with double-sided tape or velcro.
  2. Converted storage box. This rig was inspired by ribbon boxes that store the ribbon inside and feed it through a small hole. Here, holes were cut into a storage box that you can find at any craft store. The holes were reinforced with oval bookplates, held in place with small brad nails. From there, the power strip was placed inside and the device cables fed through the new holes. It looks great and there’s really no need to open it.
  3. Night Stand recharging station. This one wins the prize for most dramatic before-and-after photos, as an upturned cardboard box is replaced by a nice-looking end table. Holes will drilled in the rear of the unit and the charging cables fed through. Just don’t look behind it, though. I fear there’s an hidden rat’s nest against that wall.
  4. Super easy plastic bin. This one isn’t long on looks but it’s probably the least expensive solution here. Plus, it gets the job done. Small holes were cut into the rear and lid so that cables could be fed through. Sure, you can see inside but it’s still nice to not have to deal with what’s inside.
  5. Vintage case. Here’s a solution that is long on looks. Ryan at Weekly Geek, who put this together, describes his love of de-tangling electronic cables: “Jaws clenched and temples throbbing the world silently fades as my focus gets narrower and more fierce. That mess is broken, and I have to fix it. Why won’t they let me fix it?” His vintage-valise-as-charging-station is a thing to behold and not for he feint of heart. You can review what’s required here. The results, however, are very nice indeed.
  6. Converted IKEA storage unit. I’ll admit that I love IKEA. Even those little meatballs in the cafeteria are good. In this example, an enterprising soul at IKEA Hackers converted the company’s Estetisk storage unit into a nice-looking charging station. Holes were drilled into the back and the “cubbies” were outfitted with custom plywood inserts. Well done.
  7. Re-purposed plastic bottle. You got me, this only charges a single item. But look at how cute and convenient it is! By deftly cutting a plastic lotion bottle and applying some decoration, Ashley at Make It & Love It has a great-looking holder that hangs on the charger itself and corrals the phone and its cable. Very nice.
  8. Old books. Some of you will balk at the idea of chopping up an old book, but the rest should check this out. Yes, it’s a single-device solution again, but it’s very nice-looking. There are several available in this Etsy shop, but I’m sure you could figure it out for yourself with an X-Acto knife and some time.
  9. Converted shoe box. Here’s another quick-and-dirty solution that works well. This is similar to the storage box – you’re cutting holes in a shoe box, reinforcing them with grommets and feeding the cables through – but less expensive. Plus, since you’re starting with a shoe box, do some decorating to get it looking nice. Time to break out the Mod Podge.
  10. Vintage breadbox. Finally, a converted vintage bread box. This one requires the most work and some basic carpentry skills (and the right decor) but you’d never guess there’s a jumble of wires and charging electronics inside of there.

I hope you found this list inspirational. You do have to charge your gadgets but the process needn’t result in a jumbled mess. Go forth and make a great little charging station.

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