Clutter and Debt 4: Debt Snowball

In Dave Ramsey's plan, he uses a debt snowball plan to get out of debt. The plan suggests to pay off the smallest debt first. The reason is to build momentum without feeling overwhelmed. Simply put, getting $1000 off a $10000 debt would not make one feel as good as checking a piece of $800 debt completely off the list. Once you see results, it is easier to move on.

For those of us who participated in Project Simplify, didn't we feel the same way? Once the first project is down, it is easier to get started with the next.

Report on My Time Budget

The fact that I publish my post late in the day on Monday shows that I did not properly budget my time for that day!

Without a plan, it is so easy for me to slide off and do something else, thinking in the 2 hours that my little girl nap, I could finish the post, prepare dinner, and check out Facebook, Twitter and new cases for my up coming new phone...

Clutter and Debt 2: Budget

Another piece of advice I learn from Dave Ramsey's getting started guide is to set a budget. In an article, they wrote, "budget is just spending your money with intention" He also said in his podcast that money just disappear if you don't tell them where to go. How true that is also for our use of time!

From my last week's experience, I found myself not being able to do the dishes right after breakfast because I need to drive the kids to school. If only I had the morning starts 15 minutes earlier, I could have dishes done leisurely without the kids being late for school.

Clutter and Debt 1: Stop Using Credit Report

[If you stopped by here because you have real debt issues, 
you may want to visit http://www.DaveRamsey.com for real debt help. 
This post is about decluttering by applying Dave Ramsey's debt help method]

It is Friday again. Time for me to report my progress. Last post, I listed the following action items:

1. Get a load a laundry done when there enough dirty clothes for one
2. Get the dishes done after each meal
3. Putting away grocery immediately unless little girl need to potty
4. Do not check mailbox unless I have the time to look it over
5. Check the boys' school paperwork when I signed their binder
6. Go to bed before mid-night...

Let's go through the list one by one:

Clutter and Debt 1: Stop Using Credit

Photo Credit: PublicDomainPictures.net

Only after I announced this series last week, I thought of checking if the topic had already been discussed. I was shocked to find that Google found 2,700,000+ pages on "debt clutter". So, I guess I do not need to explain why I believe clutter and debt are cousins! But in order to apply the debt-free lessons to help get out of clutter, I dug a bit deeper to find out their relationships.

Introducing Clutter and Debt Series

Perhaps, money speaks to me louder. Debt just seem to be more difficult to swallow than clutter. But somehow, when I first exposed to Dave Ramsey's Real Debt Help website, the word clutter just popped into my head every time he said debt. I started to realize how serious my clutter problem is.