Clutter and chaos in your bedroom could be reason you wake up with a headache, a stuffy nose, or runny eyes.

Maybe you feel stressed out, depressed, fatigued, or distracted when you wake up to all your clutter and chaos.

We spend 1/3 of our lives in our bedrooms. A place we go to to find solitude, peace of mind, and slumber. But how can you expect to get a good night sleep or to awaken with vitality and energy with all that clutter facing you?

~~ What's first thing you see when you wake up in morning? ~~ Is it piles of clothes, books, newspapers, and mail all over place? ~~ Are you stepping on and tripping over stuff on your floors? ~~ Do you just want to pull covers over your head and stay in bed rather then face all that clutter and chaos?

Let your world stop for 15 minutes and announce to world, "This is day I'm going to make a change in my life." Jump out of bed, throw back curtains, open shades and windows (yes, even if it is 20 degrees outside!), turn off news, crank up some music and do Toss In Box!

Get a box (a garbage bag will also work) and pick up everything off floor and do Toss In box! (TIP: Don't stop and dawdle over any items, we'll do that later).

Feel energy?

Hip Hop over to dresser, bureau, makeup table, and nightstands and take everything off that you don't use daily or nightly and do Toss In Box!

Feel adrenaline?

Waltz on over to your sitting area, chaise, or clothes valet and take it ALL off and do Toss In Box!

Now, doesn't your bedroom feel better already? DON'T YOU feel better?

Grab 10 more minutes, another box, a garbage bag, your car keys and sprint out to your car. Tune into your favorite radio station and do Toss In Box. Get rid of everything that you don't use daily (please keep your emergency equipment). Get rid of everything that you don't need. Don't forget to check under seats, in glove compartment, and trunk.

Forget about those boxes for now. Get ready for work and with a song in your heart, another box, and garbage bag zip off to work.

When you get to office take another 10 minutes and proclaim to your co-workers that you are changing your ways. Go into your office, cubicle, or workspace and start doing Toss In Box.

Okay, now reality starts to sit in. You still have a lot of work to do because you have to go through ALL that STUFF! Don't panic, I'm still with you.

Decide which of your boxes is most important box to attack first. Set a date and time that you can start sorting through ALL that STUFF.

If you work for a company, chances are they offer what I like to call * boiler plate insurance *. Take it or leave it. If you’re self-employed, chances are you can get coverage you want but you also end up paying * big time * for it if you don't understand products and options available in market place.

A friend told me about a female executive she had met who knew nothing about her family's insurance coverage because her husband handled all * that *. She woke him up one night asking him if their insurance covered them if they should get Alzheimer's.

He tells her, "Yeah, we’re covered, go back to sleep and stop worrying."

But she wasn't so sure if he really knew and thought she had better find out exactly what their insurance covered.

What exactly does your insurance cover? More importantly, what DOESN'T IT COVER? You need to know and understand what your plan covers BEFORE you need to use your insurance.

I don't claim to be an insurance person but I have done some research and here is a sampling of what I have discovered.

You've got PPOs, POSs, HMOs, and COBRA. You've got Indemnity or Fee-for- Service plans and Government run plans such as Medicare, Medigap or Medicaid. Then there's Disability, Hospital Indemnity, Long-Term Care, and Nursing Home Plans. Let's not forget Dental and Vision!

You want and need to have health insurance to protect yourself and loved ones from financial disaster if you or they should fall into an illness or injury!

So I'm writing to urge you to get out your health insurance policies and take a good look at them. See if your policies need an * OverHall *. Call provider if you don't understand something or you have a question.

Get family together for an hour or so and talk about coverage you currently have and write down any questions that come up.

Listed below are several questions and answers I came up with: 1. Do you have a choice in type of plan? ASK

2. Should both spouses carry their company's plan or just one plan?