Friday, November 16, 2018

Why Clutter is Making You Poor!

Why Clutter is Making You Poor?
Suzanne Roberts Lukowsky  "Suzie"

Have you ever felt frustrated or overwhelmed by pockets of clutter in your home? Do you wonder why your not saving as much as you would like to?

Image yourself saving money for a relaxing vacation where there is clear blue water to match the skies, and warm salty breeze that brushes your cheeks as you close your eyes and deeply inhale. You tilt your head back and absorb the scenery and the thought of life back home seems like a distant memory. Now look at your environment.  What do you see?

Looking around, do you see clutter or disorganization? Does clutter haunt you day in and day out? Examine your savings. What is your savings telling you?  

If your finances are in trouble, then you may want to consider these common reasons why clutter is making you poor.  

Research indicates that clutter comes in several forms. Clutter can be piles of clothes, papers, or other material, or electronic items. Look at the picture above. It has an eclectic blend of different types of items on the floor which forms the cluttered space. 

But, what happens when it starts to affect your finances? 

Here are a list of four (4) common reasons why clutter is making you poor.

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1. Purchasing duplicate items. 

When the place is messy and disorganized, it becomes harder to locate items. For instance, if there are clothes that are in walkways, or entrances to doors it becomes a hazard. Items scattered on the floor, across furniture, or tucked away in closets are harder to keep track of. Thus resulting in the purchase of duplicate items. Going back to the 80/20 Rule, a person wears approximately 20% of their clothes 75-80% of the time.

If you have a cluttered closet that is HELL to get into, you may be experiencing this... You may have to lean from the door to reach over the mess and get a dress, shirt, pants, or skirt from the rack. Or, you may have to wedge your way in between your clothing just to get one piece out. It may be unknown to you, that several duplicate items may be in your closet. However, your not alone. I too had a cluttered closet and found out that I had several duplicate shoes, boots, and other pieces of clothing. The duplicate items cost me an additional $857 total, which I could have invested into something else. This was hurtful and disappointing, but I didn't know what to do. So I enlisted help to get me organized and stay on track of my closet.  (Tips listed below)

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2. Accrual of Late Fees

Most bills arrive just before the 1st day of the month. This is when rent, mortgage, and other utility bills are due. What happens if you cannot find your bills. They are either thrown in a corner, or pile somewhere in your room. Maybe you pile them together and throw them up in the air and pay the one's that land on the bed. But, did you know that paying your bills late results in additional stress and not to mention late fees. According to Mainstreet 2014  approximately 56 million Americans do not pay bills on time. This not only impacts your credit score, but also other aspects of your finances.

Leaving piles of bills doesn't help. Staying abreast of bills when they come in will help you to stay on track of due dates. A financial advisor can also help if you are too far behind.

With assistance, the amounting late fees can be reduced. A mail center in a centralized location that includes a space for pens, file folders, and other tools are a great way to stay on top of your bills.  Utilize a mail station either daily or weekly to pay bills and is a simple way to keep organized.  

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3. Missed Messages

Emails, emails, emails. There are so many emails that come to our inboxes daily. Believe it or not, checking and purging emails often is essential, and can avoid you from losing out on money generating messages.

When I was completing my degree, I was offered an interview to an agency that I had been dreaming to work with for over 10 years. The job was triple the income that I was making at the time. It was the perfect job for me. When I initially applied, I had communicated in the application that I wanted to be contacted via email. Unknown to me, I received an email about an interview. However, I checked the message, including spam emails, four months later. I had forgotten about the request I made and therefore, missed out on a great opportunity. After going through 4,026 emails I could have screamed, but I had to take 100% responsibility for my actions, or lack thereof.

So, review, and purge.

4. Purchase of Storage Units

According to the Self Storage Association (2017) there was a small increase of .44% from a 2013 survey. Over 11 million or 1 out of 10 households rent a self storage unit. The demand has grown significantly for millennials who are making increasing home improvements. However,  according to the data, baby boomers are still ahead.

Storage units costs anywhere from less than $20 per month to over $100. With extras this could add up to over $1200 per year. The are pros and con's to having a storage unit are it's great use for moving, home staging, or for persons who need somewhere to place consistently used items.

But, what happens if you have too much stuff?

What if your family, spouse, significant other, or friends pressure you to move all of your items if you have things that take over your room or house?

Most opt to acquire a storage unit. An individual may want to hold onto items for as long as they can. If more items are purchased, then what? You outgrow the storage space and require a bigger one. Which means more money is spent on rental fees.  If this is not in the budget, then going through each item is required. (See tip below)

Professional services may be needed in some situations.

Remember - Not taking action can result in the loss of more money that could be saved or invested. You have worked too hard for it all to be thrown away! 

What's Next? 
1. Talk with a financial advisor about how you can develop a budget.
2. Go through every item and purge the ones that are no longer of use.
3. Separate, donate and/or consign items that can be of good use to someone else.
4. Measure (if needed) and purchase products that will help streamline your space.
5. Start today and contact us to book a consultation to become the best version of you.

Becoming organized means that you will have control over your space, and the amount of money you spend on products, which means more money in your pocket! Contact us today to get started!

We care about your space. Subscribe to receive information on organization, tips, and plans of action. Comment down below to receive help with projects that you would like to complete, but may not know how to start. 

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