“Life Admin That Mums Should Not Ignore” is sponsored by iSelect.
Do you remember the days, pre-kids, when your biggest decision was what you were going to wear on a night out? Or where you’d go on your next girl’s weekend? Ok, those days are a bit of a distant memory for me too! But I do know that as soon as kids come along, life can get a lot more complicated.
I don’t know about you but I find it a real struggle to keep on top of everything all of the time. Mum-life, well parent-life, can seem like a never-ending stream of things to do and places to be.
And let’s be honest, some of this stuff is just a bit…boring! When you’re already short of time and energy, wouldn’t you rather devote it to the fun stuff instead? Who wouldn’t?
When I feel overwhelmed with everything I need to do, I tend to procrastinate. Being the mum of two small children who depend on me, I can’t always do that.
So I’ve narrowed the never-ending To Do list down to five main “Life Admin” tasks that I believe mums should always keep on top of. I’m speaking from my own experience alone and I’d love your thoughts on how you manage the below and if you think I’ve missed anything crucial.
Life Admin That Mums Should Not Ignore
1. Getting your Health in Check
Been putting off making a doctors’ appointment or having that six-monthly dental check-up? A combination of being ‘too busy’ or putting the rest of the family’s needs before your own can quickly put your well-being to the bottom of the pile for the long term.
Your family depends on you to be healthy and strong so take the time to look after your own health, as well as theirs.
For me, this meant going to the doctor the same day that I felt a lump in my breast, almost two years ago. That saved my life and I dread to think of what could have been if I hadn’t done so.
Now, when I need to take my kids for their check-ups, I’ll often make the appointment a long one. I’ll take along a list of any concerns I have for my kids or me and chat to our GP about them. For any medical issue that is more pressing, I make an appointment immediately.
2. Getting the Right Cover
I’ve shared with you before how thankful I was to have an active health insurance policy when I was diagnosed with breast cancer. Unfortunately, I hadn’t gotten around to choosing a life insurance policy.
Having no life insurance and no income protection added so much more stress to what was already a very difficult time for me and my husband.
I won’t preach to you as you need to make the right decision to suit your family’s needs and budget. I would only recommend that you check to see what you are covered for already and decide if that is adequate for what your family requires.
For example, when I renewed my health insurance policy I realised they had included Pregnancy cover in it. As you know, I’m done having babies so certainly didn’t need to pay out for this anymore! It significantly reduced my premiums. So whether you’re done, doing or undecided, review your health insurance to see if it still fits the bill.
Take the time to review your policies and get covered for what you need. Also check to see if your Super policy has life insurance included in it too and whether it would provide enough cover to maintain your family’s lifestyle in the case of something unexpected and unfortunate occurring.
When your car insurance is up for renewal, get few quotes for a new policy, rather than just accept the renewal rate offered by your current provider. It could be a very different price!
iSelect has all aspects of Life Admin covered for busy parents. They want to help customers to make the right call on some of life’s most important purchasing decisions. You know, the boring stuff!
From health and life insurance through to energy and broadband, as well as car insurance and home loans, iSelect helps Australians take care of the important stuff. Which leaves more time for…anything else!
3. Give your Finances a check-up too!
Are you up to date with your tax return? (Gulp) Paying all of your bills on time? Do you regularly check your bank statements to make sure everything’s in order?
Take the time to get these done and up-to-date. I like to automate as much bill-paying as possible with direct debits so that I never miss a payment date. That said, I still check my bank statements with a fine-toothed comb because I’ve lost count of the times that companies have double charged me.
Just last month I discovered two random and unauthorised payments from the same organisation for $160 each! I called my bank who refunded me very quickly and investigated it.
In the past I’ve also discovered that direct debits I’ve cancelled have still been going through. Now I check my statement a few times per week, sometimes daily, to keep on top of transactions.
4. Declutter Declutter Declutter
Decluttering is the latest buzzword on a lot of people’s lips, mine included! The benefits of decluttering your house, paperwork, online life and mind can have such a positive impact on so many other areas of your life too.
It doesn’t matter how little time you have, you can still make a big impact in clearing out your wardrobe, Inbox, garage and more. (Don’t actually look in my garage though; it’s next on the list!).
In the last two weeks I’ve spent some time going through my wardrobe and clearing out everything that is old, doesn’t fit or I just don’t like and wear any more. I’ve listed clothing in good condition on eBay and the revenue from that will help out a lot. For the rest, I’ve donated to charity or discarded what cannot be reworn or reused. It’s still a work in progress but I’m already feeling so much less stressed about the state of my wardrobe. Plus that extra money will help out when it comes to buying Christmas presents in the months to come. Eek!
Even simple things like going paperless with as many bills as possible will help keep the clutter at bay, as well as being much better for the environment.
If your online life is chaotic, you’ll love my course, Declutter your Digital Life. It’s a great way to make some big changes in a small amount of time and to set you on the track to decluttering success. Click here for more details.
START MY COURSE AND MAKE A BIG IMPACT ON YOUR MESSY ONLINE LIFE!
5. Plan Ahead
Try to factor time in your week to tackle your ongoing “life admin” tasks so you can stay on top of them.
I plan my week in a paper planner. Every Sunday morning I sit down for 20 minutes or so. I plan everything that needs to be done for work, myself and my family. That includes everything from appointment, events, birthdays and To Do lists.
Planning ahead can stretch much further than the week ahead of course. If, like me, you have a little one starting school soon, start to look into the financial costs of that now. We have been considering the impact on no longer having to pay child care fees. Instead we’ll pay school fees, buy uniforms, books and so much more. This time in our family life is when the real spending starts. So planning for as much expenditure as possible is going to be essential for us.
- Download my FREE Weekly Planner
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What are your tips for staying on top of “life admin”?