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Do you owe money on several high-interest credit cards? If so, consider transferring their balances to one with a lower interest rate or, if possible, to a 0% interest balance transfer card. This should make it easier for you to manage your debt as well as save money on interest. However, before you take the plunge be sure to determine if there is a balance transfer fee and what it would be. For example, the Chase Slate card has no balance transfer fee at all, which would definitely be a big plus. However, spoiler alert – you will need to have a decent credit score in order to get a good balance transfer offer. A good idea would be to check your credit score before you apply for a new card. You could get yours free at Creditkarma.com, Creditsesame.com or from one of the three credit reporting bureaus.
Lose the paper
Do you feel that you're being buried alive by paperwork? There are important papers you need to have and papers you don't really need to save. Go through everything and shred whatever it is you decide you don't need. Then make your finances simpler by going paperless. Most banks and companies offer this feature and it can cut down considerably on filing and general clutter. Call your financial institutions and the other companies that bill you and set up paperless statements and then keep the bills in folders on your computer. That way you'll have a record of them but will be relieved of the burden of figuring out what to do with all those bills.
Automate everything you can
If you find that you're having a problem keeping track of your bills and paying them on time think about relieving yourself of the problem. Go online and set up automatic payments of all the bills you can, which are generally recurring bills or those you receive monthly. You can also set up direct deposits to your savings and investment accounts. That way you can see your financial goals being realized without having to do anything. Plus, if you never see the money going into your checking account, you can't miss it or spend it.
Inventory all your stuff
Make an inventory of all of your possessions from furniture to clothes. Do this and it's likely you'll find that you have more stuff than you need and even things you've totally forgotten about. If you find you do have excess stuff, sell it off or donate it to a charity. You should find that getting rid of that stuff will go a long way towards decluttering your life.