I hate the extra papers lying around, the constant bills in the mail, and the constant feeling of always having something due! I am sure there are many in the same mindset. I wish I could say just stop paying anything and everything that you do not want to, but sadly the world does not quite work that way and you would get very negative consequences. Here are some tips and strategies that can make it all a bit less overwhelming and possibly even keep more money in your pocket at the end of the month.
Cut Down on Bills/Debt
That doesn’t mean just stop paying those bills, but rather find ways to narrow down the total number coming in each month. This could mean anything from paying off those extra debts completely, narrow down to only using a few credit cards but still keeping the others open. It could even be consolidating payments into one or two larger loans. I was able to use an home equity loan to consolidate my loans, which saved us greatly in interest and turned multiple payments into a single easy payment.
Purchase a Shredder
AmazonBasics 12-Sheet Cross-Cut Paper, CD, and Credit Card Shredder
This does not need to be a heavy-duty industrial shredder; honestly you can find one fairly affordable and tiny to tuck away when not in use. A shredder can greatly reduce the amount of paper clutter still hanging around after all those bills are paid. You do not need last year’s electrical bill or credit card statement, so shred away and feel the joy of decluttering.
Go Paperless and Automatic
The great part about technology these days is that sometimes it really works in our favor. Most bills you are able to go paperless and pay freely online by creating an account, which is also a great help for tracking those bills and payments. Most bills can also become automatically debited from your bank account even if they are not completely paperless. Some companies or banks even give discounts or incentives to go paperless or set up automatic payments so its definitely worth checking it out.
Utilize Free Budget Apps
There are so many budget apps
that it is worth a look around. Let technology do some of the work and help keep your desk clean! Here is a list of three excellent budget apps
that are free to use and all have great advantages
This way costs a bit more money than the other options, however it can be a huge benefit in the end. Struggle with tax returns, and then hire a CPA. Let them handle the stressful tax return and maybe even find you extra deductions to put more cash back in your pocket. If you invest, take the time to work with a financial advisor. Hiring professionals can cost extra money, but really can be worth it in terms of saving you time and possibly even money in the long term.
Keep It Organized!
By organizing and streamlining your finances, you will be able to really notice where your money is going and divert it more into savings or pay off that extra debt.
Any techniques that really helped you declutter?
Let me know in the comments, cause I am always looking for new ways!
**disclaimer, I do not pretend to be an expert, but rather just sharing the knowledge and experiences that I have personally. Please read the disclaimer**