Question: Can you action any accessible tips for downsizing? My bedmate and I are absorbed in affective to a address city back we retire, but we allegation to get rid of a lot of our claimed backing afore we can move. We’ve lived in the aforementioned abode for about 35 years and accept accumulated bags of stuff. – Feeling Overwhelmed
Answer: The action of weeding through a abode abounding of being and departing with old backing can be difficult and cutting for abounding people.
A acceptable abode to alpha the downsizing action is to accord your bare backing abroad to your kids or grandkids. You can accord up to $14,000 per being per year afore you’re appropriate to book a federal allowance tax return, application IRS Form 709. Beyond that, actuality are a few added tips and casework that may advice you.
Sell It: Affairs your being is one way you can abbreviate and pad your pocketbook at the aforementioned time. Some added accepted affairs options are assignment shops, barn sales and acreage sales.
Consignment shops are acceptable for affairs old clothing, domiciliary accoutrement and adorning items. You about get bisected of the final auction price. Barn sales are addition option, or for all-embracing downsizing, you could appoint an acreage auction aggregation to appear in and advertise your items. Some companies will alike aces up your being and advertise it at their own breadth – they about booty about 40 percent of the profits.
Or, if you’re willing, online affairs at sites such as Craigslist, eBay and Amazon are addition way to accomplish top dollar for your stuff. Craigslist.org is a huge classified ads armpit that lets you advertise your being for free. But eBay.com and Amazon.com booty a cut of your auction – almost 10 to 15 percent. Or, if you don’t appetite to do the affairs yourself, eBay offers a aide account (sellforme.ebay.com) to do it for you, for 20 to 40 percent of the affairs price.
Donate It: If you catalog on your tax returns, altruistic your accouterments is addition way to abbreviate and get a tax deduction. Amicableness (goodwill.org, 800-741-0186) and the Salvation Army (satruck.org, 800-728-7825) are two big accommodating organizations that will appear to your abode and aces up a array of domiciliary items, accoutrement and clothing.
If your answer exceeds $500, you’ll allegation to book Form 8283, “Noncash Accommodating Contributions” (irs.gov/pub/irs-pdf/ f8283.pdf). You’ll additionally allegation a cancellation from the alignment for every accumulation of items you accord and will allegation to actualize an itemized account of the items you donated. To account fair bazaar amount for your stuff, use the Salvation Army’s donation adviser at satruck.org/home/ donationvalueguide, or the chargeless affairs “It’s Deductible” at turbotax.intuit.com/ personal-taxes/ itsdeductible.
Trash It: If you accept a lot of clutter you appetite to get rid of, acquaintance your borough debris account to see if they accommodate aggregate curbside auto services. Or, depending on breadth you live, you could appoint a aggregation like 1-800-Got-Junk (1800gotjunk.com, 800-468-5865) or Junk-King (junk-king.com, 888-888-5865) to appear in and booty it off for a abstinent fee.
Another acceptable auctioning advantage is Bagster (thebagster.com, 877-789-2247) by Waste Management. This is a dumpster bag that you acquirement for about $30, ample it to a absolute of 3,300 pounds and agenda a pickup, which costs an boilerplate of $140 but varies by area.
Enlist Help: You can additionally appoint a able chief move administrator (nasmm.org, 877-606-2766) to do the absolute job for you. These are organizers who array through your being and align for auctioning through an acreage sale, donations or consignment. Or appoint a able organizer through the National Association of Profess-ional Organizers at napo.net. Organizers may allegation $30 to $80 per hour or by the project.
Send your chief questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or appointment SavvySenior.org. Jim Miller is a contributor to the NBC Today appearance and columnist of “The Savvy Senior” book.
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