smart spending

7 steps to clean up financial clutter

Identify financial clutter
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You can't clean up financial clutter if you don't know where it is. That's why the first step is to make a list of all your financial accounts, credit cards, and other assets and debts. This balance sheet, of sorts, shows what you own and what you owe and can help you figure out what you don't need.

"Set up a foundation that establishes where you are: Make an inventory of accounts and a balance sheet, and then say, 'These can be consolidated. These are redundant. I don't use these. I didn't realize I had that,'" Ciccotello says.


 

 

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