Get An Auto Insurance Quote

Find out if you're eligible to save hundreds on your car insurance.

couple downsizing

Where to Start When Downsizing for a Move

Deb Hipp

Are you thinking about downsizing to a smaller home now that your kids are grown? Even if you never had children, you may still have more space than you need as you approach or enjoy retirement. But having more space and freeing up more money aren’t the only downsizing benefits.

Downsizing can also have a positive impact on your mental well-being and happiness by reducing stress with fewer things to take care of and less clutter, according to the Mayo Clinic. Paring down decades of acquired possessions may seem like a daunting task. However, downsizing doesn’t have to be overwhelming if you have a solid plan.

First, take a deep breath and relax. Then kick off your downsizing plan with this checklist for where to start downsizing for a move.

1. Narrow Down Your Reasons

Do you want to relocate to a city with a lower cost of living and more affordable housing to stretch retirement income? Maybe you’d like to live in a more moderate climate or hope to spare your loved ones the task of clearing out decades of accumulation.

Once you identify your reasons for downsizing, you’ll have a better idea of the cost and size of a house or condo you can afford. Then you’ll have a better idea of what won’t fit in the new home, what to take with you and what to let go.

2. Research Relocation Choices

If you’re moving to a new city, search online for that city’s cost of living, crime rate and quality of health care providers and hospitals. Also, look closely at the climate. For example, you may want to move to Phoenix for the warm winters. But are you up for months of spring and summer days where temps regularly top 105 degrees?

For the lowdown on livability, search sites such as BestPlaces and AreaVibes for cost-of-living information, best neighborhoods, crime rates and reviews from current and former residents.

pins on map

3. Contact a Real Estate Agent

Contact a real estate agent to get an idea of your current home’s value and list your house when you’re ready to sell. Also, get in touch with a real estate agent in the city where you plan to move. The agent can fill you in on the new destination’s housing market, cost of living, quality of hospitals and more.

4. List the Ways Downsizing Will Improve Your Life

For motivation, list all the ways downsizing will improve your life. For example, if you’re buying a new place outright, you won’t have a monthly mortgage payment. Moving to a smaller place also means lower appliance maintenance and replacement costs. If you’re moving to a condo, you won’t have to spend weekends mowing or raking.

Then post the list on the fridge to remind you on days when you feel like you can’t go through even one more drawer, closet or kitchen cabinet.

5. Give Yourself Permission to Be Emotional

You may get emotional when deciding what to keep or let go of. Even an old wire whisk or wooden spoon can hold sentimental value and fond memories of holidays and family dinners. Some days, you may sort through a range of emotions as loaded as those mystery boxes in your guest room closet. But that’s not such a bad thing.

Going through things that represent different stages of your life may bring necessary closure. Ask a friend or family member to help on days that could bring up feelings of sadness or grief. Another person’s support and perspective can help you get through an emotional day.

6. Create a Decluttering Strategy

three types of decluttering piles

To avoid getting overwhelmed while decluttering, use boxes, trash bags or even just temporary, separate piles to relegate items to one of three different categories:

1. Items to Donate

These are items you’ll donate to a thrift store, charity or other nonprofit. Maybe you’d like your extra sofa to go to an organization that sets up homes for refugees or domestic violence survivors. Maybe you could donate kitchen appliances and utensils to a program helping emancipated foster kids with their first apartments.

You can even arrange for many thrift stores and nonprofits to pick up the items from the driveway or curb.

2. Things to Throw Away, Recycle or Shred

Some things just need to be tossed or recycled. For example, you don’t need old magazines and documents you stashed in a file cabinet 15 years ago. The same goes for stuff in your kitchen junk drawer, office closet and other out-of-sight, out-of-mind areas.

Make sure you shred documents with sensitive information such as your Social Security number, Medicare I.D. or similar information that could be used for identity theft purposes.

3. Possessions to Sell

Once you have an idea of how much square footage you’ll have in your new home, decide what you should keep or sell. For example, if you’re moving from a four-bedroom home to a two-bedroom, you can sell that extra bedroom furniture. If you currently have two or three sofas in various rooms, maybe you’ll only need one in the new space.

Go through your home and list items you won’t have room for or don’t want in your new home. Then post them on Facebook Marketplace, eBay or another online marketplace. You can use the money from these sales to help pay for the move.

7. Enlist Help From Others

To make downsizing more manageable, ask family members to pitch in. To speed up the process, consider hiring a professional organizer with downsizing experience. You may even want to hire a company that specializes in downsizing for a move. They can give you a price estimate and guide you to make the process easier.

daughter helping her mother move

Open the Door to Your New Life

Once you downsize and move to a new home, it’s time to enjoy life. If you’re in a new city, volunteer for a cause you believe in to make friends. Join a walking group, exercise class, church or other social network. You may even find that owning fewer possessions and having more space and money makes you happier, too.

Did you downsize for a move to a smaller home? Or maybe you’ve started downsizing and have helpful tips for other readers. If so, tell us your story in the comments.

8 Responses to "Where to Start When Downsizing for a Move"
    • Adam Milne | October 24, 2022 at 4:37 am

      An excellent article. It will definitely benefit me. I want more such informative articles.

    • Nancy P | September 11, 2022 at 7:49 am

      While I been downsizing and going through paperwork, I purchased a book on putting things in order for my loved ones when I am gone. You can just use a folder or binder and you can put your will, tax info, account numbers, insurances, etc. in it. Also, you have it while transitioning and everything is in one place. This way, important information will be in one place and at your finger tips.

      • Extra Mile Staff | September 12, 2022 at 7:30 am

        Great idea, Nancy! Thank you for sharing.

    • Virginia Giorgi | September 10, 2022 at 6:01 pm

      My husband and I (64 yo) moved to another state 15 years ago. I worked FT and we had ‘stuff’ from adult children, inlaws and more. Best thing we did was hire a company to clear out the attic, holding back only boxes of papers. I admit to wondering where certain things might be, but nothing that made me sorry for the decision.

    • Pam Forrester | September 10, 2022 at 12:39 pm

      Downsizing is very hard but very important. We try to look through items once a year and still it’s tough.

    • Shirl | August 4, 2022 at 7:46 am

      I am in this season of my life. I am VERY sentimental! I found that having someone there to share the memory with allowed me to toss items, like that favorite sweater when I was 4 (the cashmere one, with all the holes in it), and my girl scout uniform. I’d share the memory and then it gave me permission to toss it.

      This was something I could not do alone. Trust me, I tried!

    • Carol Yablonski | July 25, 2022 at 9:09 am

      I am interested in getting co-op apt insurance. Please send me a tel # co that I may reach you for a quote. Thank you Carol

      • Extra Mile Staff | July 26, 2022 at 7:54 am

        Hi Carol – Our reps can be reached at 888-413-8970. Thanks for reading Extra Mile!

Leave a Reply

Disclaimer: Comments are subject to moderation and removal without cause or justification and may take up to 24 hours to be seen in comments. Your email address will not be published. Required fields are marked * Please do not include personal policy information; if you have questions or concerns regarding your policy with The Hartford, please log into your account or you can speak directly to a Customer Service Representative.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.