That interest-free period was a lifesaver in paying my debt off - as was having just one credit card payment instead of several. Then, I had 18 months to pay that balance off with 0% interest. A balance transfer credit card let me consolidate all my debts onto one card for a fee of 3% of the total balance. Thankfully, my debt was never anything too drastic - the most I’ve owed at once was about $3,000 - but it still felt draining, especially when I didn’t have enough coming in to pay off my balances in full. I’ve gotten myself into a bit of credit card debt in my adult life, and the one thing that really helped me get out of it was a balance transfer card. Apply for a balance transfer card to consolidate credit card debt. Plus, having less to scroll through when you’re trying to post on Instagram isn’t such a bad thing. Even if it doesn’t feel like they’re taking away from your life, they’re probably using up storage space and data. Also, get rid of the apps you’re not using.
#DECLUTTER LIFE FREE#
Take one afternoon and backup your photos to a hard drive or cloud so that you can free up a bunch of space. If you don’t have consistent income, try saving with an app like Qapital or Digit, which can analyze your spending and help you set aside “spare change.”Įven if you have plenty of space on your phone, it’s probably cluttered with more apps, photos, and videos than you’d ever really need. There are many online savings accounts that come with relatively high interest rates, through banks such as Ally and Barclay’s, but if you’re new to saving, ease yourself into it by simply opening a savings account at the same bank where you already do your checking. You’ll quickly start to see how even small amounts add up, and you’ll be entering the new year on the right foot-one with a tiny bit of a financial cushion. Even if it’s just $20 a week, set up an automatic transfer to savings so that you’re always saving at least something. If you have a consistent paycheck and at least a little disposable income, there’s no reason why you shouldn’t be automating your savings. (Not that I don’t love mindlessly scrolling through Twitter when I wake up each morning.) 4. It lets you essentially tailor your own newsfeed by aggregating the sites you want to see stories from, meaning you don’t have to sift through endless social media posts to find something interesting to read. It’s really important to me that I stay caught up on everything I read, from news sites to baking blogs, but it can be a big time sink.Īn RSS feed like Feedly is a great way to stay up to speed. If you spend any amount of your life online, you know how much information there is to keep on top of-so much so that it’s easy to get sucked into a rabbit hole of catching up on what you’ve missed when you should be working or focusing on other things. By keeping all your bills in one account and automating your bills, you can make sure you always have the right amount of cash in that account and that you never miss a payment. If your bank offers a bill pay service, definitely take advantage of it.
Start streamlining your payments so that they all go through the same account. Automate your bill payments through one account.īills are tough to keep track of, especially when they all come with different (often confusing) systems for payment. Do the same thing tomorrow, the next day, etc., and by the end of the year, your home will actually feel like a place you want to spend your time. Start small pick one little area to tackle in 15 minutes this evening, like your junk drawer. I highly recommend sifting and getting rid of everything in your home you don’t need, but don’t feel like you need to clean out everything in one weekend. Sometimes our goals are too lofty, or we were never going to reach them because we weren’t motivated by the right thing.Ĭlean Freak How often you should wash everything in your home, according to science New Year’s Resolutions are not the only way to set and follow goals, and not reaching them does not mean you’re a failure. We’re approaching a new year, but that doesn’t mean we need to adapt a “screw it, it’s too late now” attitude. But, of course, through an (perhaps unattainably) idealistic lens, my life isn’t exactly where I’d want it to be. And despite being a natural-born packrat, I even cleaned out my entire apartment in the 30 days before I moved. I opened up a retirement account with a robo-advisor to make investing in my future simple and automatic. I started doing regular workouts at home when I had time during the day (albeit some weeks have been more consistent than others). and for the most part, I made the changes I wanted to make. I was going to save more money, eat better, actually exercise, etc. Like a lot of people, I entered into this year with a lot of goals in mind.
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