Hang an old pillow case on your dirty ceiling fan blade and slowly pull off with each hand on either side of the blade. All of the dust and dirt will end up inside the pillow case instead of on you and your bed!
Sadly this picture is my ceiling fan in my bedroom. I had been putting off cleaning it because I didn't want to get dust in my eyes and on my bed. THIS WORKED! So excited to know about this amazing life-hack.