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Family Finances Resources TRC

April is National Fair Housing Month

One of the things that I wanted my blog to be is a learning resource. I picked the month of April to launch my business because it is a month full of National Recognition that is so closely related to the work that I do. Today I want to recognize the first one.

On April 11th, 1968, one week after the assassination of Rev. Dr. Martin Luther King, Jr, who was monumental in the passing of the 1964 Act, President Lyndon B. Johnson signed an extension to the Civil Rights Act of 1964 to include the Fair Housing Act. It prohibits discrimination in the sale, renting, or financing of housing based on race, color, religion, national origin, sex, disability, and family status.

Fair Housing Poster from Hud.gov

While the Act was passed 53 years ago, we know that we still have a long way to go to stand up against discrimination in the housing market. Not only are Blacks and other People of Color disproportionately disadvantaged when it comes to homeownership, we often run into lower appraisal values, not having enough cash for a downpayment (due to lower wages), and not being able to be competitive in a seller’s market.

In 2020, according to Redfin.com, only 44% of Black American’s owned a home compared to 74% of white Americans. A recent story out of California tells the story of the Austin’s and their struggle to obtain homeownership. They had to purchase a home off-market from another Black family just to reach their dream. They then put over $400,000 into the home that was built in the 1960s. They added a new level, replaced the floor and appliances, built a deck, adding in total an additional 1,000 square feet to their property.

When they got it appraised, the older white appraiser valued the property for $989,000, only $100,000 more than the property was previously appraised for BEFORE the renovations. After fighting to get a second appraisal, they decided to trick the system. A white friend of theirs offered to pose as the wife, removed all family photos, and replaced them with her family pictures. That appraisal came in at $1,482,000—about $500,000 more than the one done just a month prior.

The National Association of Realtors says that Black applicants are rejected for loans three times more than white applicants. Is there any surprise that there is so much of a gap in wealth in this country between races? Homeownership is one of the ways to gain generational wealth and legacy, and these facts are just one of the reasons that Black American’s are far behind their white counterparts in the journey to wealth.

If you are a professional, I recommend signing up for the National Fair Housing Training Academy (I am) and doing your part to help fight against discriminatory practices in the housing industry. As a financial counselor, my goal is to help you achieve your dreams, and if homeownership is how that happens, then let’s make it happen! I’ll be sharing more tips and resources over on my social media pages for the business: Instagram and Facebook. Coming soon to our website is a resource and referral list that will include housing professionals to help your dream come true.

“Fair Housing Opens the Doors” video produced by the National Fair Housing Training Academy.

For more information, visit Hud.gov and National Fair Housing Training Academy.

Categories
Home

Finally Loving Your Home: Cleaning With FlyLady

I talked a bit about creating a homemaking block in my most recent post here on the blog.  While I enjoy cleaning and, even more, a clean home, I can sometimes get in a rut where I’m just tired of cleaning.  But as I mentioned here, I need to get out of it if I want to have my home being a sanctuary for my husband and me.  So I thought back to when I truly enjoyed cleaning last.  And it was a year or two ago when I was following the Fly Lady routine. There are still pieces that I follow to this day, but because I am not doing the whole process, it doesn’t feel the same.

But my problem with the system itself was, it is tough to follow because the details are not in one place.  I mean, her website reminds me of the late 90’s/the early 2000s and is full of items to buy from her. Her technique is to get you to sign up for her email, and she sends you what needs to be done throughout the day. For example, I signed up again for her emails to get started and have already received at least eight emails a day.  And her site says that she averages ten emails a day.  It’s a bit overwhelming.  Especially for a planner like me, that would like to plan in advance.  I’ve scanned her site, and it’s a bit all over the place to find what you need.  So let me try and break down how it works.

Update: This post got long! I was thinking about breaking it up until multiple posts and decided that defeats the purpose of having everything in one place.  So while this lengthy post will be published as one, let’s focus on one topic at a time.  Join me on my Instagram, where I will post our focus for the day, and let’s talk about it!

FLYing Lessons

The site tells you to start here. FLYing is all about “Finally Loving Yourself,” which she describes as having “peace of mind, pride in your home, and a passion for living.”  In the emails I mentioned above, you get what is called Missions for your daily Zone.  But wait, before you do that, you focus on what she calls Baby Steps.  And the first one is this: Shine Your Sink.  Now, this is a practice that I have followed forever.  Before I go to bed, I do what I call “Shutting Down the Kitchen,” and that includes making sure the kitchen sink is not only empty, but I scrub it out with a powdered cleaner and dish liquid. This is the same process that Fly Lady calls Shine Your Sink, and she outlines a 12 step process to do it.

Next, she tells you to Get Dressed to Shoes.  That means to get dressed for the day, including wearing shoes.  And laced up shoes at that.  She insists that doing this prevents you from slipping them off and lounging around.  I disagree with this.  I mean, I understand it’s much harder to take a nap with the sneakers on, but if I am tired, those shoes won’t stop me.  I’ll take them off or leave my feet dangling off the couch or bed.  And I hate wearing shoes in my house.  I have thought about buying a pair just for inside (slippers or slides).  I do believe that getting up and getting dressed helps motivate you, though.  When I transitioned from working in Corporate to working from home, I went from wearing skirts that I loved most days to wearing 50’s style dresses.  I won’t call them house dresses because that reminds me of nightgowns.  But something about wearing the dresses gave me pride in what I was doing from home, and that included my cleaning.  Now thanks to one too many Krispy Kreme donuts, I can’t fit most of my dresses anymore, but with the seasons changing, I plan on getting back to wearing dresses again.  Maybe just a little bit more flowing.  But I will miss my basketball shorts and leggings.

Baby Steps

Now we are finally getting to the rest of those Baby Steps she talked about.  Fair warning, clicking on that link doesn’t get you to the baby steps without having to click on another link.  Which appears to contain the same info from the first link AND the info about Baby Step #1, which was Shining Your Sink all to just, redirect you back to the link I provided you up there.  See what I mean about the struggle with finding out the information? And we haven’t even started cleaning anything but the sink.  Oh, and you have to click a new link to get to each new Baby Step, but you then have to go back to the first page to get to the next link.  But I’m going to help you out by listing the rest below.  Now each Baby Step corresponds with a day.  So it will take you 31 days to get through all of them.  She says this is to help you establish small routines, build consistency, and to take your time enjoying the process.

  1. Shine Your Sink
  2. Get Dressed to Lace-Up Shoes
  3. Put Out A New Dish Towel Each Night – This is something I try to do each night using these towels.  I think the actual step for this day is to review the website, but I’m saving you 10 hours.
  4. Post Sticky Notes on Bathroom Mirror and Kitchen Sink – This is to remind you to do #1 and #2.  And is the beginning of what she calls your control journal.  More on that later.
  5. Turn Negative Thoughts into Positive Phrases – If you find yourself saying you don’t deserve a clean home, seeing this list should help.
  6. Take 2 Minutes to Clear a Hot Spot – Find that one spot in your house that stays cluttered, set a timer, and clear it.
  7. Pick Out Your Clothes At Night – I think everyone recognizes that this helps mornings go smoother.
  8. Create Your Control Journal – She recommends a binder and some paper and to now break Steps 1-7 into a morning and evening routine, with #6 happening in both.
  9. Five Minute Room Rescue – Spend 5 minutes clearing a path in your worst room.
  10. 15 Minutes: Pick Up Trash and Rest – Set a timer for 15 minutes, gather all the trash you can, and take it out.  Set a time for another 15 minutes and rest.
  11. Inspiration In 15 Minutes – Take 15 minutes to write some inspirational quotes.
  12. Delete Her Emails – It’s been less than five days since I signed up, and I have 30 emails from her.  If she averages ten a day as she says, you should be deleting 120 emails on Day 12.  This is ridiculous.  She doesn’t like clutter but is providing digital clutter.
  13. Do The Mission for the Day – Now for some cleaning.  Take a break here and jump to the next section on Zones and Missions.
  14. Time for a Calendar – Find a place for a calendar (high traffic area) and get one up.  We’ve used this one for a couple of years now.
  15. Make Your Bed – Add this to your morning routine.
  16. Back to the Website – She wants you to read what others are saying about the system.
  17. Set a Bedtime and Stick to It – Don’t wait until it’s time for bed to do your evening routine either.  Start right after dinner
  18. 11 Commandments – But wait…another list. Luckily this one is mostly a repeat of what she has already told you with additions like don’t be distracted, do one thing at a time, and pamper yourself.
  19. No Rushing – This one was hard to figure out as she had another testimonial in there.  But don’t rush, slow down and set a time if you need to.
  20. Laundry – Start a load of laundry at night, put it in the dryer when you wake up, fold/hang, and put away as part of your morning routines.
  21. Clean Out One Drawer – So technically, this day was to read more things on her website, but she also said to clean out one drawer for each family member to make it easier to put laundry away.
  22. Office in a Bag – Work on building your control journal and keep everything you need to pay bills, make a grocery list, etc. in one portable place.  Just in case you need more to do, here are 15 steps to create your control journal.
  23. Afternoon Routine – Start dinner in the afternoon.  Plan your meals a week at a time and get them added to your calendar.
  24. Swish and Swipe – Swish the toilet bowl with the brush and wipe out the sink and clean the countertops with a rag.
  25. More Reading – Read some more of her website, but if you have more than one bathroom, use a different one each time you need to go and do the swish and swipe.
  26. Never Behind – A reminder to start wherever you are, even if you get behind.  I also noticed she added lunch and to drink plenty of water to the afternoon routines.
  27. Dinner – Prepare for dinner either the night before or in the morning.  Remove anything from the freezer you need, and don’t forget your side dishes.
  28. Take Care of You – Set a timer for 15 minutes and read.  Remember to eat good food, drink your water, take breaks, and get some rest.
  29. Weekly Pamper Mission – It looks like the idea for the day was a testimonial from a reader who got a back rub from her hubby after a relaxing bath.  Breakfast was added to the morning routine.  Water, meds, and vitamins were added to both morning and evening routines.
  30. Important Dates – Look at the calendar for next month and see what important dates need to be planned for.  This is also where you learn about your weekly plan, which is more routines.  Head to that section below to learn more.
  31. Don’t Worry – Another reminder to not get overwhelmed with all of the things she has you doing.

Zones

Zones are different parts of the house that she assigns you to clean each week.  There are five zones, and ideally, you would hit them all in one month.  The goal is to spend 15 minutes a day cleaning your zone based on the mission you are given (see next section).  Here are the zones and when she says they would be cleaned:

  1. Entrance/Front Porch/Dining Room – the first few days of the month until Sunday
  2. Kitchen – the first full week of the month
  3. Main Bathroom/Extra Room – the second full week of the month
  4. Master Bedroom/Bath/Closet – the third full week of the month
  5. Living Room/Den/TV Room – the last few days of the month, starting on Monday

 

 

Missions

Missions are your daily to-dos for the day.  Each week she tells you one mission to do each day.  It doesn’t appear that this information is laid out in advance anywhere, so you only get one week at a time.  Here are last weeks (the current weeks is here), for example:

Monday

Spend 15 minutes getting rid of 27 things from the Main Bathroom.  Do the same in the Extra Room.

Tuesday

Shine your tub/shower in the Main Bathroom.  Set your timer for 15 minutes and get the guest bed ready for company.  Wash the sheets if needed.

Wednesday

Wash your Main Bathroom rugs, shower curtains, and accessories.  Dust in the Extra Room, ensuring you get those cobwebs in the corner.

Thursday

Toss old or unused cosmetics, perfumes, and other hygiene products.  For the Extra Room, either spend 15 minutes getting rid of 27 more things or sweep/vacuum.

Friday

Clean the counters and sink in the Main Bathroom.  Take 15 minutes to relax.

Weekly Plan

Monday’s – Weekly Home Blessing for an hour

This includes tossing old magazines, changing the sheets, emptying the trash, vacuuming, mop kitchen and bathroom, clean mirrors and doors, and dust.

Tuesday’s – Free Day

Water and fertilize plants.  Spend 15 minutes in the current Zone

Wednesday’s – Zone Cleaning and Partial Desk Time

Finish zone cleaning and weekly cleaning. Clean the fridge. Write thank-you notes. Work on the menu and grocery list for next week.  Balance checkbook.

Thursday’s – Grocery and Errand Day

Make sure your menu is ready for grocery shopping. Confirm the list before you leave.  Go grocery shopping and run errands.

Friday’s – Paperwork and Misc.

Date night. Get food from the freezer for next week.  File papers. Write letters and cards. Cleanout purse.  Mend clothes and polish shoes. Pet care. Clean out car and check fluids. Clean laundry room.

Saturday’s – Family Fun Day

Sunday’s – Renew Your Spirit Day

 

 

But Wait There Is More

But I am not about to make this post any longer.  I found her detailed before bed routine, morning routines, weekly checklist (not to be confused with the weekly plan), and finally, the detailed cleaning list. The list alone is nine pages long.

Seriously it is almost easier to check her emails every day to figure out what to do.  She sends what is called a flight plan that gives you the daily checklist, challenges, and missions.

My house needs a good deep spring cleaning, so I am going to take a look at everything else and determine if all of this information is truly needed.  Or maybe I can see if I can figure out a way to simplify this or find simpler systems.

Look forward to more post about cleaning our home as we make this happen.  Have you heard about Fly Lady? Tell me what you think below.

*I’ve used my referral link in this post for Grove.  This gives you a 5-piece gift set for first-time users.

*As an Amazon Associate, I earn from qualifying purchases using the links included in this post.

Categories
Home Productivity

Rhenáe’s Randoms: Failing At Time Management

Failing at Time Management, Routines, and Schedules

I had a much-needed therapy appointment this week.  I advocate for therapy on the regular, but in this season, it is needed!

I had a significant life change happen recently, and I’m not adjusting well. And because God knows what I need, my therapist stressed the importance of me creating a schedule, sticking to a routine, and doing something that helps me relax or brings me joy each day.

Then she said something that mimicked the same advice a friend gave me a little while ago.

You don’t have to schedule your routines necessarily but instead, know that you need to get them done and accomplish them when you can.

Why does this simple advice seem so profound to me?

I want to say I was this way before, but when I felt myself losing control, I recognized that I tried to hold onto what I had control of a bit tighter. And that’s when planning stopped being fun for me, and it was a struggle to just get through the day.  And in this recent season of my life, my routines have gone away completely.

But now that I’m focusing on making my home a sanctuary, I recognize the need to establish those routines again. Those routines, in turn, improve my time management and productivity.  With me starting on my journey to entrepreneurship, I can’t add more to my plate without managing what I currently have on it.   Which calls to mind two Bible verses:

‘Whoever is faithful in very little is also faithful in much, and whoever is unrighteous in very little is also unrighteous in much. So if you have not been faithful with worldly wealth, who will trust you with what is genuine? And if you have not been faithful with what belongs to someone else, who will give you what is your own? ‘ Luke 16:10-12 CSB

‘He must manage his own household competently and have his children under control with all dignity. (If anyone does not know how to manage his own household, how will he take care of God’s church?) ‘ 1 Timothy 3:4-5 CSB

I’ve started to take some steps to help me with this and will be looking into doing some things that I know have worked in the past.

I’ve been using technology.

I know you are probably like, didn’t you just get off of a digital detox?  Yes, and I still have most of my notifications off in this season.  But I’ve been using my Reminders app (on the iPhone).  I created many different lists and just started to add things to it that I need to do.  And as I think of things, I go and add it to my lists.  This helps me eliminate decision fatigue and I never have to spend time worrying about what needs to be done.

  • To-Do List – Anything that pops into my head that needs to be done.  Then I go and schedule when I want it done using my Erin Condren planner or Google Calendar.
  • Affirmations – If you caught my post about this, you know I had some reservations, but it’s biblical! So I’ve created some.  Or when I hear some that I love, I add.  I have some set up for me to say daily, weekly, and monthly.
  • Morning/Afternoon/Evenings Routines – Things I would like to do at that time of day or things I typically forget to do (like taking meds/vitamins).
  • Weekly/Monthly Routines – These are more house and Bambi girl related.  So I know which days to wash my comforter, change out Bambi’s litterbox, or even self-care items like exfoliating or doing a mask based on when I did them last.
  • Blog/SM Post – A loose schedule of what I would like to post.
  • Spirituality – Reminders to pray, express gratitude, repent/confess.  Reminders of different types of Bible reading I could do if I am in a rut (a Psalm, a chapter in Proverbs, a New Testament read, an Old Testament read, or scripture writing).
  • Prayer – Requests and topics I want to be sure I am covering each day/week.
  • Business/Personal Development – Whenever I come across a course or interesting blog/person that I want to look into, they get added here.  This mostly comes out of recent summits I have been attending.

Time Blocking

This is something that I need to start doing again.  Lately, I have been waking up and just randomly tackling my to-do list around meetings/calls I may have scheduled until it is time to start on dinner.  It’s annoying me, not to mention, I am not all that productive.  With time blocking, you group like tasks together, so you aren’t having to switch to something completely different and lose your groove.  For example, I would have the following blocks:

  • Homemaking Block – laundry, cleaning, and all things home related
  • Learning Block – This would be when I want to take courses, do webinars, do research, etc.
  • Writing Block – This could be journaling or writing for the blog.
  • Content Creation Block – Creating my social media post or creating printables to help me with my routines
  • Admin Block – Emails, budget review, and planning.

Obviously, there are other areas that aren’t covered here like my faith life, self-care, cooking, etc.  But when I start to test this out, I will make updates as needed.  Keep an eye out on my Instagram because that is where I will share day by day things I will be doing and learning.

Where I’m Winning

One thing I can say that I have been doing great at is ending my day.  Typically when Chris lets me know he is on his way home, is when I shut it down for the day and switch into wifey mode.  I start cooking dinner and try to finish any cleaning that I may have started early in the day.  And then, when Chris is home, I focus on spending time with him.  This is a direct result of some of the conversations we have been having in our marriage and me wanting to be more present with him.

I feel like relying on my reminders to help me with my routines and time blocking will help me set a baseline so I can start focusing on home as my top priority again.  I’m going to give this a try and see how it goes.  Let me know in the comments below if you have been able to stick to your routines and schedules.  I would love to hear some of your tips.

*I’ve included my Erin Condren referral link in this post.  This gives you $10 off your first purchase and I get reward points in return.

Categories
Family Home

Year of Health – April: Home

If you read last month’s post, you saw that I struggled to choose between two topics: marriage and the Word of God.  I decided to do both.  Well, I think focusing on both of those things allowed me to naturally lead into what I chose as my topic for April: Home.

I know what you are thinking, “Tanisha…we are all trapped at home, so that’s an easy one.”  Well, first off, you aren’t trapped at home.  You are safe at home.  Home should be a sanctuary for you.  More on that later.

Second off, I am a hardcore homebody.  I’ve always been a homebody, but in 2017/2018, I forced myself to go out and be more extraverted and do more things, and I promise you I am still recovering from that.  😂

 

So when I returned home from my sabbatical, I struggled to leave the house even for the simplest of tasks.  I ordered my groceries online.  Amazon became my BFF again.  My hubby made sure I had gas in the car.

And it wasn’t until my therapist told me I need to get outside the house more that I became intentional about going to the store more frequently or helping friends with their dog a few times a week.  But my preference was still being home.  It also helps that I am a housewife.  I have heard from a few other homebodies who are saying now that we aren’t able to go anywhere even if we wanted to, they realized that they aren’t much of a homebody. That is not me at all.  Yes, I would like to go to the grocery store when I want, but not much has changed for me. (I recognize the blessing in this)

But what I noticed is that now that we are forced to stay at home, a lot of people are having a hard time just being in their homes.  It’s almost like they don’t really like their home much.  And that breaks my heart.

So it made me think, how can I help people see that they should love their home more?  What is it about our homes that make us want to be elsewhere? Our responsibilities? Chores? Our housemates?

When I made the transition to housewife, I struggled with the idea that I now had increased responsibility at the house even though I wasn’t the only one living there.

My mindset didn’t change until an older friend shared with me that when she is doing tasks around the house, she prays while doing them and is grateful for having them to do.  While she is doing laundry, she is thanking God for clothes her family wears.  While washing dishes, she thanks God for the food that they get to eat.

Honestly, it made me feel ungrateful.  The same things I complained about were things that I prayed for at one point in time.  I made the switch to being grateful for all that I had, but since I’ve been back from my sabbatical, I’ve been slacking a little bit.

So last month, when focusing on the Word of God and my marriage, it naturally led me to wonder, what could I do to show my gratefulness and thanksgiving to God better?  What could I do to show my husband that I love and appreciate him, mainly because he is the one in our family that goes out every day and works?  And it all comes back to making my home the sanctuary I knew it could be.  Which automatically makes me think of my favorite verse in Titus.

‘the older women likewise, that they be reverent in behavior, not slanderers, not given to much wine, teachers of good things— that they admonish the young women to love their husbands, to love their children, to be discreet, chaste, homemakers, good, obedient to their own husbands, that the word of God may not be blasphemed.’ Titus 2:3-5 NKJV

I love the NKJV version of this verse because it explicitly says homemakers.  Other translations say workers at home, keep a good house, makers of a home [where God is honored], keepers at home, work in their homes, taking care of their household, busy at home, and working at home. But I’ve also come across another verse recently that has helped me as well.

‘But we encourage you, brothers and sisters, to do this even more, to seek to lead a quiet life, to mind your own business, and to work with your own hands, as we commanded you, so that you may behave properly in the presence of outsiders and not be dependent on anyone. ‘ 1 Thessalonians 4:10b-12 CSB

So for April, I am going to do my part to be thankful and fall in love with my home again.  I’m going to make sure that it is a place that my husband can be proud to come to.  And to focus on removing a lot of the noise that surrounds our lives and to lead a simpler and quiet life.  If you know me or followed my social media for a while, you may know that I love routines, cleaning, and organization.  I will be showcasing how I use all three of those to achieve my goal for this month.  But because I am a researcher at heart and love seeing how other people do things, I will be checking out and trying different methods.  I hope that you join me this month in curating your home and setting the atmosphere that you want.  Leave me a comment down below what you love most about your home.