cash vs credit | the experiment

carolyn chebaro less is more

Recently I have been shopping with…wait for it….


I know, hard to believe but I have been conducting an

I wanted to see how I would feel carrying around cash
And the feeling I would get spending it.


Shopping with a debit/credit card.

A few observations:

I LOVE LOVE LOVE the feeling of cold hard cash
In my hand. It somehow made me feel powerful, sorta
In charge.

The rattle of coins in my hand well, to me there
Is nothing like it! Reminisce back to childhood days I guess.

When I purchased with cash I felt like I was buying with
A purpose. Now I know that must sound, well
Bizarre but I had the feeling of , “I worked for this, I have
A sense of pride”.

And when I spent cash I felt like I was more
In a circulating mode, passing around the good
That money brings.
I felt like I am giving back to the universe [ if you know
What I mean]

Shopping with a debit card was different.

I felt more rushed. More… get this done…. Gotta

I felt like I was on autopilot.

~Place debit card in
~Put in my security code
~Want cash back?
~Thanks and Have a Nice Day

The debit/credit card had no “value” to me. It was
just a shiny piece of Hard plastic. Dangerous.

Do you shop with cash or a card? Does any of the
Above ring true to you? I would really love to know.

Put your comments below 🙂

de-cluttering | the other kind as a caregiver

There are many forms of “clearing out”. Decluttering is one way:
getting rid of items that no longer have a purpose, no longer serve
you is another way. You need this clear out mindset in order to go
effectively go forward.


There is another form of clearing out and going forward. This
process is a bit more tricky.

This form of evolution comes after the role of caregiver is no longer yours.
And, dear reader I speak from experience.

This transition takes much longer and requires, in my opinion
courage and perseverance. For in an instant the life I knew was
changed, the years that followed, those precious caregiving years
took a toll on me. The role of caregiver was mine, and mine alone.


When my greatest cheerleader was no longer on the physical plane I
was lost.

I did not realize this until recently.

And I can only think that it is the same for many in the same role.

It is not the “stuff” that needed to be cleared out, for me, that took
place years ago. I had to deal with the lack of purpose I felt.
Where did I now fit in? What was my new role?


My conclusion has been to take each day as it comes, step by
step. To set goals and go forward. I recently did this with a challenge
I gave myself in swimming. I still marvel on the feeling of
accomplishment that task gave me.

That fancy term, thrown about so often nowadays “ Self Care” really
comes into play.

Self-care comes in many forms. Sometimes it means taking a nice bath,
or a coffee in a quaint cafe. Other times,  for me it also has come to mean that quiet
reminder, that whisper in my hear ” I made a difference- look what I did”
Be proud, Stand tall”.


Finally, and in conclusion

Rely on friends, a good friend. For they often see things with a clearer eye. It is
as if they can see clearly because their windshield wipers are on, while your vision is clouded by the tears you still secretly cry.





the art of the de-clutter


carolyn chebaro less is more
Imagine your closet neat, tidy, and organized; knowing
where everything is so you that can put your hand on that
blouse or that kitchen utensil quickly. Imagine your home having
a place for everything and everything is in its place.

Cool right.

Just think of the time [ and energy ] you would save?

No more overwhelm!

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You would feel in control. If you are looking for more time
in your day, this is a sure fire way to get it.

But how do you begin? But where to you
[ get rid of ] your stuff?

Here is help, 31 Ways To Pass It Forward [ and get rid of your “stuff”]


There are many ways to clear out, sort through and de-clutter
“your stuff”. With this all in mind, I have put together a quick
cheat sheet with the method I use and a list of 31 places
where you can “Pass On Your Stuff” [ get rid of ].


The process all starts with one step.

A decision to do it.


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Start slow. Don’t overdo it.

It’s very similar to starting a diet or exercise
routine. If you push yourself too hard in the beginning you
might not continue.

The “art of the de-clutter’ takes time.

I suggest setting 30 minutes aside on your first
day. Methodically go through your belongings.

When did I use or wear this last?
Does it fit? I hate to say it but… is it age appropriate?
Do I make use of this item? Hey, that rice maker in the drawer, really?
Will you ever really use this item or that?
Do I have duplicates or triplicates of this dress, pot, widget?

Work with the end in mind. Think of the clarity coming
Your way. The freedom in terms of physically and oh,
Dare I say, the mental stuff.

You can do this! I know you can…

Here is the list again in case you missed it.


those routines


carolyn chebaro less is moreRoutines are all the rage.

Advice on their importance can
Be found all over the internet.

Then of course there are zillions of
Posts on how to create your own
Personalized “get out of bed “ habits.

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Some imply you must follow a daily
routine in order to have a fulfilled life.

Now I get it.

I have a routine I follow [ most of the time ].

But sometimes I think it is equally important
to throw caution to the wind and with it,
your routine.

Sometimes I simply crave a change, however

Recently I

Ate spaghetti in bed at 2 am.
Went to the movies in the middle of the day
[ on a weekday, shock – horror ].

I think it is necessary to recall those moments when

As a teenager for example, you skipped school and
had a magical day with friends.

What a that feeling of
utter freedom, excitement…the knowing you are
Doing something you shouldn’t.

What fun!!

Don’t you still recall those moments and feelings?


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So while I get the routine, the ritual thing I think sometimes
It is important to change direction,even for a few moments.


The key…. Throw the guilt out the window.

Simply enjoy.


no amount of money

I tell you this story with much humility.

Almost 30 years ago, yes I am THAT old,
I swam 100 laps [ equivalent to one mile ] in this pool.


This spring, as a drifted off to sleep an idea, a thought
came to my mind.

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Could I do that swim again?

So I planned it out.

Week by week
Lap by lap


In my mind, as I swam back and forth I wrote this
blog post.

Week by week
Lap by lap.

This past weekend I accomplished my goal. What
a sense of accomplishment and joy. No amount of money
or any “ stuff” given to me will ever be compared to that feeling.

Go Team, Carolyn!!!


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silence, stillness

carolyn chebaro less is moreAfter a late night telephone conversation with a friend
I switched off my phone.

The television had been turned off earlier.
No music played in the background.


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And at that very moment,

all I could hear was the murmur of the
air conditioning unit above me. It struck me how
important stillness is.

And at that very moment,

I realized that I need quiet time. A time
when I am not reviewing my day or planning
the next day’s adventure.

And at that very moment,

I realized it is simply fine to do nothing less,
as I say is MORE [ in so many ways ]

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friends vs acquaintances


carolyn chebaro less is more

So here is the thing…

I can remember when I was young my Grandfather saying to me
“ In life, if you have one good friend you are very lucky”.

I never really understood this until many years later.


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This is so true.

Many people have pasted in my direction.
Meandered in and out of my life.

There are people sent to teach us.
To send us message, a lesson if you like.
These are the acquaintances.


Then there are the friends.

Those people who through thick and thin,
Have stuck by your side.
They have seen you at your worse and they
Have seen you shine [ brightly ].

They have been your greatest fan and supporter.

And they don’t have to live nearby

Or even in your neighborhood,
Or even in the same state,
Or county


Friends vs Acquaintances…
a less is MORE analogy

Interesting right!

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144 rolls of toilet paper

I get Costco.

In fact, have a membership to this warehouse club. I reckon I Go to this establishment four times a year, six tops.

I mainly like this store for the bulk purchases. On my list is usually oatmeal, nuts, coffee and the occasional planned lotion and potion.

But I think you need to be very careful when entering these big concrete stores. It is so easy to get caught up in buying unnecessary items simply because they are discounted and sold in bulk.

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Large boxes of oatmeal for the price of several small supermarket offerings. The nuts, I love the walnuts, are incredibly inexpensive [ say compared to Whole Foods].

The value is there. There is no doubt about that….

But I offer a word of caution.

Think before you buy>>>

Do you have this item? Do you need this item? Where will you store 144 rolls of toilet paper? Is it a wise investment to purchase 2 gallons of shampoo and conditioner?

It is so easy to get caught up in the hype, the hustle and bustle of shopping in discount warehouses.


Less is MORE…. always.

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it is an antique [ and so am I ]

Recently I gave away a rocking chair, one that was mine as a child. It sat in a spare bedroom, all alone, collecting dust.

The chair, like me is an antique.

I will confess, I debated what to do with the chair. After all, in my eyes it [ this wooden thing ] had many stories to tell. She traveled many miles, both literally and figuratively.

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if I close my eyes tight, I can see myself as a child rocking back and forth.


I pondered… what to do?

And then it struck me, those memories cannot be taken away from me.

And the chair must find a new home, for other children to enjoy.

To create their own memories.

So into the car the chair went, off to the local Salvation Army. I would like to think into the arms of someone who will also enjoy the rocking back and forth. Creating their own memories.

And now, when I go into that spare bedroom there is an empty space. The room feels lighter, cleaner, clearer. The energy flows with ease.


The memories swirl around in my head. They will never leave.

Less “stuff” MORE memories….always.

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everything has a purpose

I read somewhere that one of the ways to really get in touch with nature is to walk on grass. If you can meander barefoot, all the better.

I guess part of this theory is to get yourself out in the fresh air and open spaces.

Deep breaths.
Clear your mind.
Feel the freedom.

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In nature everything has its own place- birds in the trees, worms in the ground, sun in the sky. And it all works just fine.

But when it gets out of kilter, say climate change there is havoc. This we see all around us.

Think of the bees…

And so the same works with my less is MORE strategy.

Let me explain…

Everything in its place [ like the sun in sky ]
Everything has meaning and a purpose. [ like the corn in the field which feeds us ]
You have more space – More air to breath [ like the beaches lining the Atlantic Ocean ]

Your life flows.

Deep breaths
Clear mental mindset
Freedom to live with less stress.

So when you go outside the next time, have a look at all in nature. Everything has a purpose, everything has a place….

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Is this done by accident? Me thinks not. We all can learn from this.

less is MORE… always