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9 Ways to Organize Your Wardrobe Better to Save Money

9 Ways to Organize Your Wardrobe Better to Save Money

Holiday season is always a good season to buy clothes. Not only is everything on sale but it’s exactly what you wanted. Right? Come holiday season, there may always a reason to buy more clothes, or shoes, or earrings, or purses, or socks. But do you really need yet another pair of green socks? Do you really? Well, maybe not. Here are 9 ways to organize your wardrobe well to save money and look your best!

The Wardrobe

1. Compartmentalize it

Most, if not all things in your closet must have a place to belong. Shirts, t-shirts, dresses, socks, lingerie and even head gear. Keep a separate corner or shelf for all your different types of clothes. This helps you keep track of what you have, the types of clothes you have and how many you have.

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2. Color Code it

Color coding is perhaps the best way to organize a closet and actually have clothes to wear. Color coding your wardrobe enables you to see which colors you have and how many types of outfits you have in those colors. So next time you go out to buy yet another black dress, you’re perfect sorting will serve as a reminder for whether you actually want that dress or not!

3. Hang your purses

Hanging your purses is perhaps the best way to keep them. Hanging them allows you to see them all and use them all, too. It also saves precious self space that can be used for other things!

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4. Keep your jewelry in separate drawers

It doesn’t hurt to invest in or make a jewelry container. Pinterest and DIY blogs have plenty of ideas for easy and cheap storage of your jewelry. Arranging your jewelry saves time, energy and effort when you’re looking to wear it and also keeps your jewelry in better condition for longer.

5. Separate Pairs

Clothing that comes in set pairs is great the first four times you wear them. After that they seem to be the only outfit in all your pictures. Separate them. Separating these outfits gives you a new perspective on them and enables you to mix and match these clothes with other pieces in your closet. Mixing and matching them reinvents your wardrobe multiple times so you don’t have to buy more clothes.

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6. Divide in Daily and Party Wear

This is perhaps the best time and money saver option. Dividing your clothes based on occasion helps you mentally sort out your clothing according to the occasion. This in turn helps you mix and match them better and serves as a reminder of all your belongings. Dividing them also allows for you to see what you need to get and what you have.

7. Use Hangers

As obvious as this may sound, hangers are a good way of seeing all your clothing as separate and distinct pieces. Use scarf hangers not only for scarves, but also for socks and jewelry. Investing in some velvet hangers for your expensive clothes and some pant hangers will save you space and also help you keep a check on all your clothes.

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The Fashion

8. The Occasion

What is the occasion? Is it a family dinner, lunch with friends or simply an evening at a bar? Look through your closet and mix and match something you’ve never worn before. If you’re uncertain, try it out something else. It may take a little while, but there will definitely be something in your closet that you’ve never paired together that may actually be the perfect outfit!

9. Shake it up

Are you usually chic? Try classy. Shake up your style and try a different look. Wear that pair of boots that have been sitting in your closet for three months. If you don’t know where to start, pick one piece of the outfit and then work around it. It could be shoes, jewelry, the top or the bottom and then find an outfit that complements your piece of clothing/accessory.

Featured photo credit: Liz via flickr.com

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Last Updated on April 3, 2019

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.

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Featured photo credit: Pexels via pexels.com

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