These tips for eliminating clutter will help you achieve your financial goals – because decluttering your home decreases financial debt.
Here’s what prosperity advisor Paula Langguth Ryan, author of Bounce Back From Bankruptcy: A Step-by-Step Guide to Getting Back on Your Financial Feet, says about financial debt and a cluttered home…
Before her tips, a quip:
“Amidst all the clutter, beyond all the obstacles, aside from all the static, are the goals set,” said Donald Rumsfeld. “Put your head down, do the best job possible, let the flak pass, and work towards those goals.”
Sure, you can achieve your goals if you’re “amidst all the clutter” — but you’ll get there faster if you have a neat home! If you need help decluttering, read The Joy of Less, A Minimalist Living Guide: How to Declutter, Organize, and Simplify Your Life.
And, here are her tips on reducing clutter and decreasing debt….
How Decluttering Your Home Decreases Financial Debt
Clutter causes you to spend more money, lose track of things like grocery coupons or money-back guarantees, and forget about DVDs or books that need to be returned. Clutter increases financial debt by creating confusion and chaos. Decluttering your home decreases debt by reducing stress and helping you feel happier and “lighter.”
Both home clutter and financial debt increase stress levels, which increases the likelihood you’ll spend money on things you don’t need. A cluttered home causes you to spend spend money to replace things you can’t find, or to purchase organizing assistance such as containers, books, or even a professional organizer’s help. Sometimes it helps, sometimes it doesn’t.
Why You Need to DeClutter
When you declutter, you know exactly what you have. Food doesn’t go bad in the fridge because you forgot it was there or couldn’t see it amongst all the Tupperware and containers. You never have to go out and buy a replacement for something you already have, but can’t find.
And, you may spend money on things you don’t need because you feel unsettled because of all your home clutter. Decluttering your home decreases debt by reducing the compulsion to spend money. Not only does decluttering decrease debt — it helps you achieve your financial goals!
8 Decluttering Tips
- Reduce clutter in a way that makes you feel empowered. Don’t try and bite off big chucks if that’s stressful – make a game of it.
- Pick one drawer, or one pile, and go through it. Create new piles: Toss, Keep, Give Away.
- Don’t worry if you don’t know where something is supposed to go right away. Just know it goes in the KEEP pile.
- Don’t keep anything that isn’t beautiful, useful or something you absolutely love. For papers, if you could find it somewhere else with a few phone calls, toss it.
- If you do decide to do a big area, or an entire room, or your garage, take everything out and start with the empty space, even if it means you create total chaos somewhere else. The results when you’re done will be worth it entirely.
- Put things where you will think to find them, not where you think you should file them. If you always go out the same door, then put your phone and your keys right there, on a hook or a shelf, so you know exactly where it is every time.
- When you use something, put it back where it goes. Create a place for everything.
- Don’t be afraid to throw things out – no matter who gave them to you, no matter how much “sentimental” value you think they have. Keep the memories inside your heart and create peace in your space.
For more ways to reduce clutter, read More Tips for Decluttering Your Home.
Ryan’s surprising tip about relationships, clutter, and debt: Clutter and debt are great ways to keep ourselves from interacting with others. We often use clutter and debt as protection devices for not having people over, or not going out and doing things with other people. If you like your privacy and your space, then give yourself permission to keep your privacy even if you have a clutter-free home — or even if you’ve decreased your financial debt.
Another surprising tip about clutter is how it affects our health: Respiratory illnesses from mold and dust, accidents from stumbling over clutter, and even fires are caused by clutter. And if your kitchen is cluttered, you probably aren’t eating as nutritiously either, because you can’t get to the sink or stove easily.
For more financial tips, read Why Are Women Bad With Money? 7 Money Mistakes Women Make.
What do you think about these decluttering tips, or the connection between financial debt and home clutter? I welcome your thoughts below…
Paula Langguth Ryan is a prosperity advisor, mediation consultant/coach and author. Visit her at the Art of Abundance.