Organizing medical billings and paperwork

Professional organizer Julie Bestry speaks from personal experience on how to organize medical billings and paperwork to avoid bankruptcy in her article “Don’t Let Hospital Billing Errors Bleed You Dry“:

Harvard University research indicates that approximately 62% of U.S. personal bankruptcies are caused by unaffordable medical bills. Given that, it’s vital to keep track of medical billing, particularly hospital billing, to make sure you are being charged a fair and accurate amount. In fact, some medical billing experts believe that up to 80% of all hospital and medical bills contain at least one error, underlining the importance of vigilance in scrutinizing your medical billing paperwork.

She discusses how to detect errors in your bills and also has a wonderful guide to how to organize this paperwork:

These five posts are a fantastic resource. Again, this is a time when I hope that you won’t ever have to use this information.


Being a smart furniture consumer

Smart consumerism is based on the principle of buying the best quality of good to meet your needs and budget. Saving up your money and buying a beautifully crafted piece of furniture out of durable materials will ultimately keep you from wasting money and time in the future. Plus, if you research and buy only quality goods, you won’t make impulse purchases.

An unclutterer is a smart consumer.

In September, Karawynn Long (a guest author on the website Get Rich Slowly), posted the informative article “Furniture Shopping Secrets: How To Tell Superior from Shoddy.” This article helps anyone shopping for furniture to be an informed consumer. And, when it comes to being a smart consumer, knowledge is essential.

A brief selection of the text:

Wood furniture — composition
I used to think hardwoods were hard and softwoods were soft. Silly me! Actually, hardwood just means ‘from a deciduous tree’ and softwood means ‘from a coniferous tree’, and some hardwoods (like aspen) are softer than some softwoods. What you want on exposed surfaces is a wood that’s reasonably scratch-resistant. You can test this easily enough by attempting to draw a thin line with your fingernail across the wood; if it makes a visible dent (use a flashlight here if necessary) you know it won’t stand up to much use.

Structurally, any kind of solid wood or sturdy plywood will do the trick. If plywood, look for at least nine layers. Check the wood for knots, even on unexposed pieces; all knots are susceptible to cracks. Some woods, like pine, are ‘knottier’ than others, and therefore less desirable. Avoid particleboard, pressed wood, or fiberboard.

Veneers — a thin piece of premium wood covering a lower-quality piece of wood — are often used even in very high-quality furniture. As long as the base piece is solid wood or plywood, the only drawback to veneer is that it limits the number of times an item can be refinished.

The article discusses composition and construction of wood and upholstered furniture and includes a quick furniture checklist to have with you when shopping. Remember: informed consumers are smart consumers, and unclutterers are smart consumers.


Uncluttered mealtime

Reader Beth sent us the following wonderful suggestion for organizing meals at home for little money and little stress. Thanks to Beth for such wonderful advice:

I understand the challenge of cooking — I live alone and love to cook. So, I wanted to share some of my ideas on “uncluttering” mealtime:

[1] Make a list of staples that you always have in your pantry. I have tried weekly meal plans and sometimes I don’t feel like cooking on Thursday what I scheduled on Sunday! Here are some things I always have available –

  • Pasta
  • Canned Tuna Fish
  • Tomato Sauce
  • Eggs
  • Bacon
  • Cheese
  • Ground Beef (frozen)
  • Chicken (frozen)
  • Fresh vegetables (whatever is in season)
[2] Pick a day (usually on the weekend for me) and cook a big dinner. Tonight, it was a big dish of pasta with fresh tomatoes (out of my garden) and cheese. I now have leftovers for two other meals. Other times, I will make a dinner that is too big for just me – such as meatloaf. I have purchased plastic freezer containers with partitions (they look just like a TV dinner) and I usually have leftovers for 3 to 5 dinners. They go in the freezer — marked with the contents and the date frozen. An easy and more nutritious dinner than takeout!

[3] Set a grocery budget and stick to it! Be creative! That tuna fish salad can be used for soup and sandwiches one night and tuna melts the next.

[4] Trade meals with friends or relatives. My mom lives with my brother so she has the same problem as me. If she is cooking a big dinner one night for the two of them and has leftovers, I might say to her “hey, save me some lasagna and I’ll give you a tray of chicken parm.”

I would be interested in hearing others ideas!

I agree with Beth, I would love to hear other ideas, too. How do you make mealtime uncluttered in your home?


Ask Unclutterer: Partner’s messy desk

Reader Montse submitted the following to Ask Unclutterer:

I’ve been living with my boyfriend for 3 years now. We live in a flat, not very big. I’m really worried about his stuff. He is a computer technician and although he’s really tidy with the stuff that he stores in the computer (pictures, scanned documents, etc.) he’s not so organized with the things (clutter) that are all over his desk. He can’t toss any old item (hard disks, cables, routers, etc.), as he is able to fix them quite frequently. He has all of this stuff widespread on his desk. I do not know what to do and how to convince him to keep them organized.

I would like to buy him some plastic drawers to keep his stuff. If I do so it is to help him to put those thingies in a place. I even can help him labeling the drawers with a labelmaker (that indeed he gave to me as a gift). His stuff will be at least out of sight but still available on his desk. However, I know that this does not solve the problem. Once the drawers are full, he will conquer the desk again, as he has done with some of the drawers from the closet that I emptied for him. I did so in order to avoid seeing his stuff on the desk, but that drawer is full now. So, the problem is not buying more storage as the room is not very big (just 8 m2). I would like to know if you have any clue about what type of storage would be the ideal one for this kind of stuff, and also if you have any piece of advice on how to let his things go and how to keep this type of things organized.

I know many people will disagree with me on this, but I’m of the opinion that his desk is his domain. If he wants it to be messy while he’s working, he should be allowed to keep it messy. As long as no one except for the two of you are coming and going in your flat, a little mess on his desk is okay — especially when he’s using it.

When he’s not working or if you’re having guests over to your place, then you need to decide how much the mess truly bothers you. Constantly nagging him to clean up his space can create animosity in your relationship. Would the benefits you gain from his desk being clear in front of guests be worth the anger and frustration that he feels toward you for constantly bothering him about it? You’ll have to weigh both sides and determine which route to take.

Simply put, you can’t force someone to become organized. A person has to choose this way of living for himself. Have you talked to him about why you want his desk to be organized? Has he explained why he prefers it to be disorganized? Would he be okay with being messy sometimes but having a clean-up plan in place for when other people come into your space? Would you be okay with that? Talking about it will likely help you both to better understand how the other person feels.

If you can give a little and be okay with him having some mess on his desk while he’s working or just when the two of you are in the flat, then hopefully he’ll agree to cleaning up his desk when guests come to visit. The two of you can acquire a “>bins or contact page and type your question in the content field. Please list the subject of your e-mail as “Ask Unclutterer.” If you feel comfortable sharing images of the spaces that trouble you, let us know about them. The more information we have about your specific issue, the better.


Organizing the events after a loss of life

No one likes to think about losing loved ones, but unfortunately it can be a reality. The website About.com has an extremely helpful set of downloadable PDF files that you can print to aid in organizing all of the events after a loved one has passed.

The Death, Dying, and Bereavement Guides include six forms to help plan the events after a death: compare funeral/burial/cremation options, information for writing a eulogy, data needed for an obituary and death notices, and flowers and donations thank you note wording suggestions.

This is one of those times when I hope that you never have to use this information from our website.


Reasons to unclutter

Motivation to get rid of clutter and streamline your space can come in many forms. The September 1 issue of Woman’s Day magazine provides 12 “surprising benefits of getting organized.” Reporter Denise Schipani outlines her reasons in the article “Out with the clutter, in with the calm, the money-saving, and more.” (The article was renamed “12 Reasons to Unclutter Your Space” when it was placed online.)

From the article:

5. Tidy Your Computer
“Treat your computer desktop just as you would your desk, keeping only active files and shortcuts visible,” says Lorie Marrero, author of The Clutter Diet: The Skinny on Organizing Your Home and Taking Control of Your Life. A “cluttered” computer screen is harder to look at, making you feel jumbled. Go through folders and delete what you no longer need. Archive older stuff you want to save to backup storage (a CD or external hard drive).

Check out the full article and add your own reasons to the list. You may even spot a few quotes from me in the text!


Determining the perfect amount

In the story of Goldilocks and the Three Bears, the pesky Goldilocks is able to quickly find the bowl of porridge, chair, and semi-firm mattress that all meet her definition of just right. Granted, she has a limited set of options from which to choose, but she loves her choices so much that she is blissfully able to drift off to sleep in a den of BEARS at the end of her decision-making day.

In my life — thankfully without much threat of deadly wildlife mauling me — I struggle to find that point of just right with everything. How many pairs of jeans, shoes, spare rolls of toilet paper, rechargeable batteries, and baby bottles should I own? How much time should I spend working, socializing, sleeping, and exercising to feel my best? Is my house too small for my family’s changing needs?

Determining the just right amount of physical goods has proven to be easier than determining the less concrete attributes of life, and so I wanted to share my methods with you. The following is how I decide the perfect amount of goods for my space and my life:

  • How much space can I commit to storing this type of good?
  • How much space do I want to commit to storing this type of good?
  • Will I use all of it before it expires and/or becomes outdated and/or my brand loyalty changes?
  • Do I have enough (or too much) to get me through to my preferred cleaning schedule? (For example: Do I have enough pairs of socks to last me between laundry days? Am I putting off laundry until it gets out of control because I have too many pairs?)
  • Do I need or want this item at all?
  • How much time, money, and energy will I save in the future if I have more than one of these in my space?
  • What will I do if I run out?
  • Would having more or less of these items improve my quality of life?

Regardless of how good a deal is, I stick to this method of determining just right. What method(s) do you use? Tell us about it in the comments.


Free time-tracking applications

Keeping track of how you spend your time is a necessity when you’re billing segments of your workday to multiple clients, but it’s also valuable for determining your efficiency and productivity. Lifehacker recently reviewed and rated the Five Best Time-Tracking Applications and awarded Klok (free and usable on all platforms) as the top application:

Built with Adobe AIR, Klok is a lightweight and cross-platform tracking solution. You can create a hierarchy of projects and sub-projects in the task-management sidebar and then track the time spent on each by dragging and dropping them into the workflow for the day. While you can delve into the details of each block of time, simple adjustments like expanding the amount of time you’ve worked on a project is as easy as grabbing the edge of the block with your mouse and tugging it down.

Also on their list are Manic Time (Windows), SlimTimer (web-based), RescueTime (Windows and Mac), and Project Hamster (Linux). All five of the applications mentioned in the article are free to access or download.

If you haven’t tracked your time before, I recommend keeping records for at least two weeks to see how you spend your time. The data you will acquire will give you insight into your most productive hours of the day, your low-performance times, when people tend to interrupt you, and how much time you waste during an average day. Then, you can start to tweak your work habits to get the most out of your time in the office.


Asking the better question

Reader Diana recently e-mailed her process for deciding what stays and what goes when she is uncluttering. Simply stated, she asks:

Does this make my life better?

If the answer is yes, she keeps the object or routine or whatever it is that she is examining. If her answer is no, she gets rid of it.

“Does this make my life better?” is a simple question. However, it’s important to think about what the question isn’t asking.

The word does is in the present tense. Diana isn’t asking if the thing did make her life better at some point in the past. She isn’t asking if it could maker her life better in the future. Nor is she asking if it should make things better based on other people’s perceptions. All she is asking is if it does make her life better, right now.

So often we hold onto things because they were once meaningful or because we think we might need them at some undetermined point in the future or because we worry about what other people will think if we get rid them. Asking the straightforward, “Does this make my life better?” allows you to avoid these cluttering scenarios and instead focus on the present.

Great advice, Diana. Thank you for the tip!


Reducing résumé clutter

In the comments to last week’s post on organizing a job search, a reader asked if we might be able to put together a résumé organizing post. Since I haven’t put together a résumé in more than five years, I thought it best to turn to a professional. Today we welcome guest author Tiffany Bridge who worked for many years as a recruiter for a job placement company. Welcome, Tiffany.

Usually, uncluttering is about organizing your stuff in such a way that life is simpler for you. Résumé uncluttering is a special challenge because it’s about organizing your stuff so that it’s easier for someone else — most likely someone you’ve never met.

Common causes of résumé clutter and how to combat them

The One-Page Résumé. This is one of the most pernicious lies ever to haunt hiring managers. Yes, the Career Services people at your college were right that you should keep your résumé to one page when you’re just coming out of school, but once you have some real experience to talk about it’s needlessly constraining.

Solution: Your résumé should be exactly as long as you need to describe it, and no longer. For most people, this is about two pages, but even three are fine if you need them. You generally only need to cover about the last 10 years of your experience for most fields.

The Functional Résumé. This is another one of those things that your college Career Services people tell you about, which kind of makes sense when you’re getting out of school, but is completely useless once you’ve had a job or two. Hiring managers want a sense of career progression, how you got to where you are now, and a functional résumé completely obliterates any ability to observe it. It’s also commonly used to play down embarrassing gaps in one’s work history, so the hiring manager starts wondering what you’re trying to hide — firing? nervous breakdown? prison sentence?

Solution: It’s fine to have a functional component of your résumé if you have a job history that’s not a straight line toward your goal or if you’re trying to change fields and need to pull all your relevant skills together. However, you still need to be able to show the actual chronological history of your career.

The Objective Statement. This is a waste of an inch or two of space you are trying to use judiciously. If you’re bothering to apply to a job, clearly your objective is to get that job. No one needs to be told that.

Solution: A summary statement is a nice alternative, especially to pull together disparate experience, as long as you avoid tired phrases like “customer service-oriented,” “team player” or “seasoned professional.” Or you can skip it altogether and just jump straight into “Experience.” Your cover letter will explain your objectives better than a statement on your résumé.

In short, remember that the HR person or hiring manager giving your résumé the first review is going to be scanning, not reading. Keep the most relevant information (your experience) near the top, avoid pointless and outdated conventions, and don’t be afraid to take enough space to help the reader connect the dots of your experience and skills to get a complete picture of your strengths.