Did you know that being disorganized can result in higher interest rates, bad credit and costly late charges? Not only will it cost you money but being disorganized will also cost you so much time searching for misplaced bills or rearranging your desk piles. So start taking away clutter and organize your financial documents now.
Eliminate junk mail by calling 888-5-OPT-OUT and asking to be removed from the mailing list of creditors. This number is run by three major credit reporting firms – Experian, Equifax and Trans Union. If you still want to get offers in the future, you may only opt out for two years. Otherwise, you can have your name deleted permanently.
Control the papers that arrive in your home. Throw away immediately unnecessary mail, papers and magazines by having a trash can ready in your garage. Limit magazine subscriptions to three and back issues to two.
Banking online will also make managing your money more convenient. It saves you time and money.
Reduce bargain shopping and clear your wallet and tote bag of clutter. Save important receipts in a separate envelope or container and throw them away after reconciling them with your bank and credit cart statements.
