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How to Organize Your Life: 10 Habits of Really Organized People

How to Organize Your Life: 10 Habits of Really Organized People

Really organized people are not born organized people. They have to cultivate healthy habits, which then help them to stay organized. Here are the essential ten habits they use to keep their lives in order:

1. Write Things Down

We all know someone that remembers every birthday and sends cards for every holiday. It’s not magic and they don’t use memorization. Trying to remember things will not help you to stay organized. You should try writing things down.

A pen and some paper is our way of remembering things externally, and it’s much more permanent. You can also use a computer or a smart phone. You will only further complicate your life by trying to contain important dates and reminders in your head. Write down everything: shopping lists for groceries, holiday gifts, home decor, and important dates like meetings and birthdays.

As an experiment, try writing down people’s names shortly after you meet them (when they’re not looking). I’ll bet you remember a lot more names that way.

2. Make Schedules and Deadlines

Organized people don’t waste time. They recognize that keeping things organized goes hand-in-hand with staying productive. They make and keep schedules for the day and week. They make deadlines and set goals. And most importantly, they and stick to them! Similarly, by living a cluttered lifestyle, you will not have the time or space to make your deadlines or achieve your goals.

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As an experiment, look at your bucket list or make one. Write down the things you want to achieve this year or in your life. Then write down what you need to do to achieve them.

3. Don’t Procrastinate

The longer you wait to do something, the more difficult it will be to get it done. If you want your life to be less stressful and less demanding, then organize as soon as you can. Putting in the effort to get things done as soon as possible will lift the weight off of you from doing it later.

As an experiment, think of one thing that you should organize in your life. Write it down. Then write down when you can do it and what you need to get it done. If you can get it done right now, then go do it!

4. Give Everything a Home

It’s easy to get lost if you don’t have a home. Keeping your life organized means keeping your things in their proper places. Organized people keep order by storing things properly and by labeling storage spaces.

Make easy-to-access storage spaces for things you use all the time, and don’t let your storage spaces get cluttered. Be creative about finding places for things. In addition, as a BIG NO: never label a storage space as “miscellaneous!”

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As an experiment, choose one place in your home that you can re-organize. If there are scattered items, then group them together. Once you’ve sorted everything, find or make a “home” for similar items, label the “homes,” and put them in the proper places. For example, a cup holder for your pens and pencils should go in an easily accessible place, but the rarely used craft materials can be stored out of sight.

5. Declutter Regularly

Find time each week to organize. Highly organized people make sure they find time every week, or more, to organize there things. Stuff does not stay organized on its own; it needs to be reorganized continuously and consistently.

As an experiment, look at your schedule and find a time to organize, then do it.

6. Keep Only What You Need

More stuff means more clutter. People who live organized lives only keep what they need and what they really really want. Having fewer things also means that you enjoy those things more and feel better about using everything you own, rather than letting half of what you own collect dust.

Have you ever felt like you don’t have the space to keep all the stuff you own? Instead of renting a storage unit or buying a larger home, get rid of some things.

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As an experiment, write down the number of things you think you actually need. Then, write a list of all the things that you own. If the number of things you actually own exceeds your ideal need list, then it’s time to organize.

7. Know Where to Discard Items

Do whatever you can to get rid of stuff. Less stuff means less clutter. Donate to thrift stores. Sell on Craigslist or eBay. Take a trip to the recycling center. Set up a garage sale. Find a place to get rid of your things.

As an experiment, choose one space in your house to purge. Go through shelves, drawers, and boxes. Everything you find that you don’t need, set aside. Make a pile of things to maybe keep, which you can go through later, and a pile of things to discard now. Then find a way to kick those things out the door immediately.

8. Stay Away from Bargains

You have removed the things you don’t need. Will you replace them when you see something on sale? Instead of bargain shopping without planning ahead, write down down exactly what you need and buy only those items. Organized people do not give in to false advertising. Items on sale will only produce more clutter.

As an experiment, go to a shopping mall with no money. Just look at all the things on sale that you wish you could buy if you had brought your wallet or purse. If you find nothing, then good for you. If you made a list, then keep that list somewhere and look at it a month from now. If you still want it, then it’s safe to buy.

9. Delegate Responsibilities

A really organized life is not overfilled with responsibilities, meetings, and deadlines. In fact, it has less because things that create stress have been slowly organized out.

As an experiment, look at your to-do list or make one. Go through the list and find one task that you can remove from your list or give to someone else. Now feel the stress of having to do it fall away.

10. Work Hard

Put in a little effort. Actually, put in a lot of effort when necessary. Once you have delegated responsibilities and made a schedule, then you can organize what you have to do and when you can do it. Staying organized is not all a breeze. It requires that you work hard with recognition that when you work harder, you can enjoy your clutter-free home life later.

As an experiment, worker harder when you feel like giving up today.

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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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