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Last Updated on January 30, 2018

One Question to Help You Successfully Declutter Anything

One Question to Help You Successfully Declutter Anything

There’s no getting around it – we have more possessions than ever before. The average American home, which has tripled in size over the past 50 years,[1] now contains a staggering 300,000 items.[2] With all these possessions and extra living space, you’d be forgiven for thinking that we’d know when to stop acquiring stuff. Yet 10% of Americans also feel the need to rent offsite storage too![3] Clearly, we have a problem.

Just imagine how all that stuff piles up over time. If the average home has 300,000 items collected over the course of 10 years, that’s 30,000 things per year. It’s a mind-blowing thought. Needless to say, no one needs to hold on to so many items. Yet it’s not always easy to decide what to keep and what to let go. If you’ve ever looked around your home and realized that it’s time to scale back, you may have become overwhelmed by the sheer size of the task.

Where should you start? And, most importantly, how can you avoid letting go of something and then regretting it later?

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The simple, powerful question that will help you declutter

What’s the solution? When considering whether or not it’s time to relinquish an item, ask yourself this question: If I had to move to another country tomorrow, would I bring it with me?

    That’s it. This one question will soon help you identify what you absolutely need in your life, and what’s just taking up valuable space in your home. It will immediately help you discern what is most important and useful to you, and what can be thrown or given away.

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    Why bother decluttering in the first place? There are several benefits. First, you’ll save space. Second, a tidy room can aid concentration. Ignoring unnecessary stuff and searching through messy drawers and piles takes up valuable mental energy which could be channeled towards more productive tasks.

    Finally, if you have fewer possessions, you will save time when it comes to cleaning and maintenance. Quite simply, the less you own, the less time you will spend organising and re-organizing your home.

    How the question helps you to decide

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      Ditch the unnecessary

      Once you start thinking about your answer, other questions will naturally arise. You’ll start to consider whether you actually use the item on a regular basis, when you next expect to need it, whether it takes up a lot of time or space, and whether it can be easily replaced. For example, you might have purchased a slow cooker with the intention of using it to make dinner several nights a week, but then shoved it to the back of the cupboard and forgotten about it. If it is just sitting there, taking up useful cupboard space, why hold onto it? It’s time to say goodbye!

      Another common example is clothing. Most of us are guilty of holding onto clothes that don’t fit us, aren’t in fashion any more, or just don’t fit with our lifestyle. For instance, if you used to work in an office but have spent the last few years raising your children full-time, you don’t need to keep those smart suits that have been gathering dust in your wardrobe. If you choose to go back to work in an office environment, it’s easy to buy a couple of new suits. Don’t let sentiment override your judgment.

      Try this RFASR formula:

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      • Recency – “When did I last use this?”
      • Frequency – “Exactly how often do I use this?”
      • Acquisition cost – “How expensive and/or difficult is it to get this?”
      • Storage cost – “How much does it cost me to store this?”
      • Retrieve cost – “What will it cost me if this item becomes outdated, or I need to retrieve it from storage?”

      Let’s look at another example. Suppose you have two lawnmowers in your garage, despite the fact you only have a small yard. Focusing on one lawnmower in particular, you figure that you last used it months ago (Recency), you have only used it approximately once a year (Frequency), it is not hard to buy new lawnmowers (Acquisition cost), storing it costs you in terms of space (Storage cost), and repairing it will be a hassle in the future because it is quite an old model (Retrieve cost). Therefore, you decide to get rid of it.

      Stop collecting

      Getting rid of unnecessary items is only one half of the equation. Once you have finished decluttering, adopt a new approach to shopping. It might be difficult at first, especially if you are tempted by new items or convince yourself that something might come in useful at a later date. For instance, if you have recently cleared out your kitchen of unused cookware, you might feel compelled to buy some attractive new crockery whilst at the mall, just because it looks good and because you now have some extra space. However, it’s slippery slope – unless you check yourself, you’ll end up back where you started!

      If you cannot realistically imagine how you will use a new item, don’t buy it. If you know that you wouldn’t bother taking it with you when moving abroad, don’t buy it. You get the idea – make a point of acquiring only what you truly need.

      Start today

      Decluttering can be a daunting task, but you don’t have to get it done in one session. Why not set aside 20 minutes per day for a month, taking it one room at a time? Remember, keep that simple question outlined in this article at the forefront of your mind. You’ll be pleasantly surprised at how easy it becomes to let go of things you do not need.

      Featured photo credit: Picjumbo via picjumbo.com

      Reference

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      Leon Ho

      Founder & CEO of Lifehack

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      Last Updated on June 22, 2018

      How to Nix Your Credit Card Debt in Less Than 3 Years

      How to Nix Your Credit Card Debt in Less Than 3 Years

      Debt is never a fun thing to be in. But, there are many actions that you can take that will help you rid yourself of the burden of debt once and for all.

      By coming up with a set plan, eliminating your debt can feel much easier than constantly thinking about it.

      This post will provide some tips on how you can do this to help you nix your credit card debt in less than 3 years.

      Hint: there are ways that are easier than you think.

      1. Consider consolidating multiple credit cards if possible

      This may not be applicable to you, but if you have multiple cards – it is something to consider. Keeping up with multiple bills is time consuming.

      It will depend on the balance you have on each. Consolidate ones you can but do not do it to the point that you get too close to the maximum limit. Also, it is ideal to pick the card with the lower interest rate.

      Consider if there are any fees or alternatively, rewards, with transferring a balance to another card. Watch out for fees. Note that some cards offer rewards for transferring a balance to them. This is extra cash that can help go towards paying off your debt.

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      Having one or two cards can make nixing your debt much simpler than keeping up with the balance of a bunch of cards. Keeping track of paying the minimum towards a bunch of cards is time consuming. Spend the time to consolidate instead to make the overall process simpler going forward.

      My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.

      Why do I suggest doing this? Having one thing set to auto-pay is one less thing to think about. One less thing to waste time on. Same idea with consolidating to one main card. Tracking down too many is a hassle.

      2. Try to pay the full balance you spent each month at the very least

      You need to pay off the amount you are spending each month when that bill comes in. This is the amount you spent THAT month.

      Do not let the debt keep accruing while you work on paying any unpaid debt that has accrued. It will become a never-ending battle. Try as best as you can to be current on paying for each month’s expenses when that month’s bill comes out.

      If this is a strain, consider why. You may need to cut expenses. Or you may need to consider other cards. Or look at where this money is going.

      3. Pay extra when you can – every small amount counts

      This cannot be emphasized enough. If you are looking at a lot of credit card debt, it can look daunting, but each extra amount that you can put towards the debt will really add up – no matter how small it is.

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      It does not just reduce the principal amount that you have left to pay off, but it reduces the amount that is collecting interest. You will always save money with that reduced interest.

      4. Create a plan on how to pay extra

      Back to the main point, having this plan is giving you one less thing to think about.

      This plan should be a plan that works for you. If it does not work for you, your spending habits, and your views on debt, then it will not be an effective plan.

      For instance, if a set plan of an extra $50 (or another amount that you know you can afford) works for you, then do that. Set that aside every month and pay that extra amount. Treat it like a bill. Choose an amount that works for you and pay it like clockwork as though it was a bill you had to pay each month.

      Little amounts will not nix it entirely, but they will help tackle it and having a set plan can make it less of a chore. Creating a new plan of how much to put towards it each month is an unnecessary added stress.

      5. Cut out costs for services you do not use

      If you are signed up for subscriptions that you do not use because of some free trial or for some other reason, cut it out. Your overall financial position will look better.

      In turn, that will make cutting your credit card debt easier. Look at your statements to find these expenses. If you do not use them, you may forget you are paying some unnecessary amount each month. Cutting it out can really add up in savings that you can put towards other needed expenses.

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      6. Get aggressive about it

      Consider these points:

      Depending on the interest and the level of debt, you may need to give up a few indulgences. For example, instead of ordering delivery or going out to eat, cook at home. Everything adds up.

      Other things may be more of a sacrifice. It may be a trip you wanted to go on, or a daily latte habit you’ve picked up. In these instances, consider how important it is to you and if it’s worth the sacrifice. And if it is a costly expense, think whether you can wait to indulge.

      Cutting an extravagant expense can really help make a dent in your overall debt. Try not to add to debt when you are trying to pay it off. It will be a never-ending battle. Make it less of a battle with these tips and it will feel easier.

      Bottom line: Do what you can to make this process easier for you. Implement steps that do this. It takes time now, but will help overall. Also, keep track of your spending and paying down of your debts. Which is the next point.

      7. Reevaluate your progress at set intervals

      Doing a regular check-in can help you see your efforts pay off or maybe indicate that you need to give this a bit more effort. If you check every 3-6 months, it will not feel so much like a chore or feel so daunting.

      By doing this, you will be able to better understand your progress and perhaps readjust your plan. Bonus: if you see it pay off, it will feel great to do this check-in. You will get there.

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      Finally (and most importantly)…

      8. Keep trying

      Do not get discouraged. Pushing it off will make it worse. Just keep trying.

      Once your debt becomes lower, each monthly payment will reduce the balance more. Why? You are paying less towards interest. It will be a snowball effect eventually and it will become much easier to manage. Just get to that point. And know once you do, it will feel easier and motivating.

      Start knocking out your debt today

      The best way to eliminate debt is to get started right away. Begin by implementing the above steps and watch your debt just melt away. Try out some of the above strategies and see what works best for you. Soon you’ll be on your way to a debt free life.

      Featured photo credit: Pexels via pexels.com

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