Fall Refresh for the Minimalist

Fall is here. And to me, this season is the "most wonderful time of the year." 

The holiday craze isn't here yet, but the days are finally getting cooler, crisp, and full of change. It's the beginning of returning home, of tending to the house to make it not just livable, but beautiful, loving, and resplendent with the season. It's a chance to watch fall envelope the leaves from green to auburns and golds; to grasp the season as it cools our nights and mornings.

Autumn means the return to slow living. 

Not that summer isn't full of slower moments, but in reality, many families are trying to squeak in the last vacation, and there are pool parties to go to, outdoor concerts, and beach days. It's a busy season. And it's also one that tends to bring in a lot of stuff. 

As far as I'm concerned, as a minimalist, there is "spring cleaning," but there should also be a "fall refresh." And I don't mean refresh in the way of new pillows for the sofa or candles for the tables (although, I did just bring out my pumpkin spice candle and it's all that I thought it would be: wonderful). I'm talking about a refresh in the home and purging a lot of what you just brought in (or things that didn't leave during the spring cleaning).

Here are a few ways to refresh your home this fall.

Wardrobe Rework: If you switch your clothes and box up spring and summer clothes to bring in fall and winter clothes, now is your chance to assess your wardrobe. Again. I'm pretty uber minimalist with my clothing, so all four seasons sit in my closet year-round. I know what I own fits me, and they're all things I wear. Can you say the same for your wardrobe? Before you put away the shorts and t-shirts, the skirts and tanks, and find the pieces you didn't wear. Can you say you'd wear it next year? If you didn't wear it this year, odds are high you won't next year. Set it aside for donation. Do this for every bit of your spring and summer wardrobe.

Summer Switcheroo: Vacations always bring in "stuff" for me. There are random souvenirs to buy (I do buy less now - I prefer the experience over a tchotchke), and yet, I often want the t-shirt, or a mug, or a magnet to remind me of the trip. What this means is I'm already thinking about the item at home that this tchotchke will replace. I've got other t-shirts that I once got from a vacation that would work better as a rag. Or that chipped mug I bought ten years ago can now be gently discarded for the new mug. One in, one out. Always a great rule, even for vacations, do-dads you (or I) just have to have.

Decorative Details: As a minimalist, there are only so many wreaths I want to buy, or decor I need for the house, without cluttering it up. So, I've decided to decorate (the little I do for fall) with natural items; things I can find just outside my door. I have a neighbor with a tree that is literally shedding acorns all day. I'm picking up the sweet acorns and piling them into pottery bowls. One for the coffee table, and one for the kitchen. It's natural, it's beautiful, and it didn't cost me a penny. We have wild turkeys roaming our neighborhood. They only molt once a year, and usually in late summer to early fall. That's right now! I have a small "bouquet" of turkey feathers in a vase on my bookshelf. It's unique and beautiful and fits right in with my vintage pieces. Look around: what does your neighborhood have that you can use decoratively?

We all need a little refresh once in a while. But often, it doesn't have to refresh us in the costly or material way we usually think of. Get rid of the excess to make room for more time. Time to bake, read, walk, play music, and drink hot autumnal drinks, all while watching the leaves change color right before our eyes.

They say the best things in life are free. Why don't you see if it's true for you, too? Refresh your home for fall by keeping only what is needed and eliminating the rest. Then, enjoy the season for all that it has to give you.

Happy fall.

Unleashing the Books: Letting Books Come and Go

Books… they will always be a downfall for me.

I love the way books feel, the way they smell, and the way the words create escapism. I love bookstores for the same reasons, too: the feeling, the smell, the escape. It's heavenly.

So how does a minimalist work with books? Very carefully.

To a book lover, a bibliophile if you will, books are a treasure. They are to be sought after and held close to you, in bookshelves, spilling onto floors, and overflowing from drawers. They are a precious commodity that deserves its own museum (Hence, libraries).

 

Except that none of that describes the minimalist. In fact, it’s the antithesis of someone who embraces minimalism.

As someone who loves books, being both a writer and a reader, they will never not be a part of my life. Books are life-giving and companionship. They satisfy a part of my soul that is hard to explain (except to other bibliophiles).

So, books will be a part of my life, but they don’t ALL have to be. And there is a way to balance it all to keep the books you love and also minimize the home (and not leave your entire library for your family to have to sift through one day).

Here’s what I’ve come to do over the last few years.

1. Keep them separated: Make a list of the books you can’t live without, and make a list of books you feel sort of “meh” about. Then sit back and see what they really do for you. Do the books you can’t live without bring you happiness, even if you’re not reading them? Do the books you know you can live without feel like they’re taking up space? Once you’ve decided how you feel and what you truly can let go of, that’s when you take out the “meh” ones and donate them or give them to friends, or add them to your local neighborhood mini library.

2. Physical book versus digital book: I’ve talked about this before in a previous post about books, but this is really where you’ll either help to elevate the minimal process or continue with the downfall of book hoarding. I love holding a book. In fact, after reading a dozen digital books, I just pulled a real book off my bookshelf to reread, and wow, does it sure feel nice. (Yes, it’s a book I’ve decided I have to keep, too). But, if you really want to keep the love for reading at the forefront and maintain your minimalism, this is where you'll have to choose digital over physical. I know! It doesn’t feel or smell the same. I get it. Remember, though, at the end of your life, who’s going through your bookshelves?

3. Give them away: I mentioned this earlier, but I truly believe books are meant to be given away. They’re knowledge; let other folks have that knowledge too. They’re inspirational; let others be inspired. They’re escapism; let others escape! Give and give away. Buy books for others so they can give them away too. (Of course, if you're lending a book you want to keep, make sure you tell the recipient it's on loan.) Books are for enjoyment and knowledge, so in my world, I try to make them an “easy come, easy go” element. What I learned needs to move on for someone else to learn.

Remember, what’s the worst that can happen? You donate a book you wished you’d kept. Well, lucky for us, books are everywhere. You can replace it for a small amount of money from an online or in-person bookstore. And if you’re like me and frequent thrift stores, it’s incredibly easy to find books you want that (even ones you don’t!) that, when done with, you can re-donate or give them away. Or keep.

Books: I love them. But I don’t need all of them. Just a few to make me feel like a human being, and just enough to live a life that’s full (but not overtaking my home).

Read on, my friends! Read on.

Time to Think, Time for Silence

The other day, as I was walking on the trails in my neighborhood, I noticed something: no one wants to listen to silence anymore. In essence, people don't want to hear what's really happening around them. Whether it's physical, as in the birds chirping, or the psychological, as in the problems in your life you need to think through, it's as though we're all numbing ourselves to what's going on. 

During this walk, there were numerous people with headphones or earbuds in their ears; there were even some people listening to the radio - a radio for all of us to hear. Some were on their phones having a conversation - a loud conversation that I didn't want to hear on my peaceful morning walk. And don't get me started on the number of people on their phones while walking.

What's happened to us?

It's as if none of us wants to think anymore; none of us wants to dig deep into what we need to dig deep into. We'd rather have something else numb us from going there, and because of the ubiquitous internet and media, those numbing agents are available to use. 24/7.

This isn't to say that there shouldn't be time to talk on the phone, listen to music, or catch up on that podcast. It's good to know what's going on in the world. Podcasts are a wonderful way to learn, as are audiobooks. But let's face it: social media, the internet, television, and radio are taking the place of thinking for ourselves, or just plain thinking in general. We take others' opinions rather than taking the time to think through them on our own. We're listening to other things, so we don't have to really think about what we need to think about.

Because of tinnitus I acquired a few years ago (ringing of the ear) in my right ear, I've stopped putting in ear buds, so if I go to the gym, it's just me doing my thing without music (which is such a rarity - about 95% of people in the gym wear some sort of headphones - I know because I survey it every time I go to the gym!) I don't run with earbuds either, so I have more time to really listen to what's going on inside as well as outside.

What else are we missing out on by not listening to silence? 

1. Nature: When was the last time you took a walk just to listen to nature? It's truly remarkable. Nature sounds are both soothing and engaging. Was that a squirrel making that noise or a deer just coming out of the wooded area? Is that a dove I hear or an owl? Nature is comforting to listen to. Something we all can use in this digital and loud world.

2. Peace: Want to know how to raise your anxiety? Watch the news, listen to talk radio, and read about the horrible worldwide news online. We weren't meant to know everything about everything. It's chaotic. It creates heavy hearts. Listening to silence, and your heart beat, you calm your anxiety, your brain rests, and you can physically feel yourself relaxing into a peaceful state.

3. That Still Small Voice: When we silence the world around us, when we get into that mode of meditation and quiet, that's when we hear what's truly going on around and inside of us: what's bothering us, what we need to change, what God is saying, and what direction we need to go in. Silence creates clarity. How can we hear any of that if we're always online? It's impossible.

It's easy to see we're all guilty of this. Sometimes, we just want to flip on the television after a long day. But what if, just like the good old days, what if we ate dinner and then, once the dishes were done, sat down with a cup of something to drink and pondered the day? What if we picked up a book and looked out the window at nature instead of our phones? What if we hung out with family, talked about our days, and stayed off the television and internet?

We need time to think, time to reflect, and time to listen to silence after a day of busyness and a constant barrage of media everywhere we turn. We need time to think to live a life that is worthy and simple, but full of the things that make our hearts happy and souls filled.

I always make time for social media, television, or the radio... but what am I missing out on if I never lean into silence?

That's the question I wrestle with. And it's something I've come to terms with over the last few years. Are we really living tuning out of ourselves and into the world? I think it's the opposite. The less we engage in numbing ourselves, the more we can face who we are, and what we are, and change what needs changing.

Time to think means time to truly live.

Living Free: The Ten Commandments of Paying Off a Mortgage

March 7, 2025 - The day we paid off 
our mortgage.

We did it! Those are the words I thought of the moment we paid off our house a few months ago. All of the hard work and dedication to get there was worth it, but I'll be honest: it was hard.

When I became a minimalist, I also became obsessed with eliminating our mortgage. They work together. The less you own, the fewer things you have to spend money on. And the less you have to spend, means more money is available to pay down your debt. As someone who used to have a mortgage, a mortgage from California where no real estate is cheap (or anything else, for that matter), here’s the truth: if I can do it, you can do it, too.

Have you ever imagined what it would be like to own your home debt-free? Well, I sure wondered. I imagined it, wanted it, and when my husband finally understood how much freedom we would gain by paying off the mortgage (it took a few years of convincing him), we knew it was within our reach if we were persistent. I told him I wanted to go to Disney World after we paid off the house. Knowing I’d be giving up material possessions, needs, wants, and desires, to instead make extra payments on the home loan, Disney World was a nice image to go back to when the days were long.

But this mortgage obliteration didn’t just happen. The home loan didn’t disappear all because I imagined it gone. As with anything worth pursuing, just wishing for it didn’t make it go away. It depended on two major things: discipline and patience. Which, if you think about it, everything big in our lives - marriage, raising kids, running a business - all require discipline and patience to see them through.

Paying off a mortgage is no different.

Ever since my husband and I bought our first home over twenty years ago, I knew this: We have to get this thing paid off sooner than thirty years. I was thankful for the home, but the ball and chain - more specifically, the interest that the bank makes off our payments - was an eye-opening, soul-crushing weight that I wanted to get rid of as soon as possible. 

We moved twice since that first mortgage, which meant we had to restart paying it off with each house (especially since each house was progressively larger and more expensive). But, after having lived with a mortgage and now, for the last few months, having lived without one, I truly believe anyone can pay off their mortgage. Anyone. 

When I analyze it now, and look back at the years we worked on it, there were a handful of things, along with discipline and patience, that we made sure to do. I call them the ten commandments for paying off the mortgage. And here they are.

Thou shalt stop buying extras - No coffees out, no extra clothes, no extra gadgets, no extra vacations. All of those extras will come after the house is paid off. Trust the process.

Thou shalt learn to live without - As extras are no longer a part of your life, this means living without a lot: without the latest trend, car, phone, new closet, or gizmo. Learn to live without.

Thou shalt look at the budget weekly (if not daily) - You have to remind yourself why you’re doing what you’re doing. Because there will be days when you want to go to Disney World rather than double or triple up your mortgage payment for the month.

Thou shalt learn to say no - I heard Dave Ramsey talk about this once. Just get used to saying the words, “No, we can’t afford it.” Because once the mortgage is paid off, you can afford it. It’s all about delayed gratification. Learn to say no.

Thou shalt learn to be happy with what one has - As we started paying down our loan, I got good at working with my closet, the things in my house, and not looking to upgrade anything. Saving a penny is truly earning a penny. All those saved pennies equal dollars, which turn into hundreds of dollars, and then thousands of dollars.

Thou shalt find ways to bring in extra money - Find ways to make more money, even if just temporarily. Sell stuff on eBay, pick up a part-time job. Those dollars add up fast and get you debt-free even faster.

Thou shalt pay off all other debts before the mortgage - We did this and it works great. Pay off your small loans or credit card debt first. As you pay each one off, add that amount you were paying to the next debt, and the next debt. Then, after those debts are paid, start adding them to the mortgage.

Thou shalt pray a lot - I prayed all the time about paying off the mortgage. I never stopped asking God to help me find a way to lessen our consumption so we could add those dollars to the mortgage loan. I’m sure He got tired of me asking, but I didn’t stop.

Thou shalt give away a lot - Though we shut our wallets to excessive and extra things, we didn’t to those around us. Paying off a mortgage doesn’t mean it’s time to stop sharing or helping others. By giving, we gain in other ways, particularly love. And who can’t use that? Money is temporal, but love lasts forever. 

Thou shalt not feel sorry for one’s self No. Matter. What. - This seems like a mild tenth commandment, but it really should come first. There will be days when you think, “I deserve this treat,” or “I just want to buy this little thing,” or “Why can’t I have this?” Listen, to be mortgage-free, you will have to act differently than those who have a mortgage! Paying off the mortgage means a no “woe is me” attitude. Buck up, live without, and look to the future of being debt-free.

And here’s a bonus with these ten commandments: If you don’t own a home, but want to save up to buy one, or get a sizable down payment to make the mortgage more affordable, use the same ten commandment method. The method that will pay off your mortgage is the same one that will get you the house in the first place. 

The gist of this whole thing? If you don’t want debt, you have to be willing to give up a lot for as long as it takes.

Self-sacrifice and keeping the goal of paying off the loan have to be at the core of your daily living, so you don’t derail your journey to freedom. But when you achieve it - when you reach your goal of paying off the very last penny of your home loan - it’s a feeling unlike anything else. Let freedom ring!

With credit card debt, you’re paying off past experiences, or things you had to have. But, with a home loan paid off, you now have an asset, an investment, that’s yours, that’s free and clear, and all yours. 

Be warned, it’s not going to be easy. If you decide to pay off your mortgage, it’s going to hurt more than it will feel good. You will question your sanity every day! But the day you make the last payment on your home forever is the day you’ll see why you suffered through what you did. If I can do it, you can do it.

 And now, if you'll excuse me, I have a Disney World trip to plan.

Minimalism is Ongoing

There's a misconception with minimalism that I don't want to deal with, but have to. Actually, there are many misconceptions about minimalism we can have, but this is the main one I have to work on and it is this: That once I'm pared down, I'll never have to pare down again. Yeah, nope. Sorry.

To be honest, I wish this were true. But it isn't. We live in a modern world where things, tangible things, are to be purchased, found, stumbled across, looked for, or accidentally uncovered, no matter where we are. Attics are overflowing. Amazon is at our literal beck and call. So we can get whatever we want, whenever we want. 

As a minimalist, that means I'll still yearn for some things, even though I know I don't need them. Which means I will be paring down forever. This may sound like a downer of an article. But it's not my point. My point is this: you and I will have to be semi-vigilant over the years to not keep the things that act as a weakness for us.

As an example to you all, I always go back to my main weakness - a collection that I have a huge love/frustration with, which is vintage mugs. No one in their right mind needs more than, say, three or four mugs in their cupboard. We have the ability to wash them frequently. We don't need dozens. And yet, the vintage collector and seller that I am will always want to have just one more mug in my cupboard. I can't help it. It's a huge weakness for me.

But it's a weakness because I let it. I frequent thrift stores, and I'm looking for these wonderful vintage mugs to sell, so naturally, I'm going to want them too, because I love the quality and shape of vintage mugs. I'm surrounding myself with my weakness. But after having upwards of sixty mugs in my collection (I know no need to tell me how ridiculous this is), I knew I had to pare down for good and for real!

So I did. And I still am today. I'm at a comfortable 16 mugs right now, which is still a dozen more than I need. But, though I've been into minimalism for eight years, I'm still working through some areas. Vintage mugs are one of them (as are shoes... I love shoes.) 

But by being aware of my kryptonite, I know to be extra aware of what I'm bringing home. When I'm at a thrift store hemming and hawing over a mug, I can ask myself: Do I really love this? Should I instead sell this in my vintage shop? And finally, the dreaded question: Do I need it? That always gets me back into the right frame of mind. But, I will have to always watch myself in this area. 

Of course, that's not to say we can't have some fun. If there's a mug I have to have, then come on, this is a cheap thrill that makes me happy. I'll add it to my mug rotation! But I also know that eventually, I may need to take one away later on. One in, one out. A great rule to abide by, to keep things pared down.

Minimalism is ongoing and something you may always be working on. I know this because it's ongoing for me. We are human, and because we live in a material world, we will battle with material things. But by understanding our battle, we never have to fear that excess will overtake us again. 

We can live with balance, live with less, and still live the best lives we've ever had.