Financial Clutter | Organizing Goddess

Penny Wise and Pound Foolish

I have written in the past about how coupons and sales cause us to behave in ways that waste our time. (You can read these rants in Coupons: To Clip or Not to Clip? and Sucked in by a Sale.) I have a new chapter to add to the legion of examples in which we waste so much time to save money. My daughter wears contact lenses. Earlier this year, she went to the eye doctor for her annual exam and…

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Turn Your Unused Gift Cards into Charity

I’m guessing that you have some unused gift cards stashed away somewhere. You may have forgotten about them. Even if you didn’t, you may not remember how much money is left on them. An article on cnbc.com posted last year states: “Half of Americans currently own unredeemed gift cards or store credits, according to a new survey from Bankrate. The average person with unused gift cards is sitting on $167 in free money.” Gift cards are a convenience for the gift…

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Managing Your Charitable Contributions

If you’ve ever donated money to a charitable organization, you’ve probably experienced the immediate and ongoing communications from that charity asking you for more money. While I understand the organization’s need to generate funds, it’s frustrating to me that this is how some of my donation is being used. Is it likely that, having just made a donation, I will make another one so soon? Well, maybe I would if I were disorganized and didn’t know how recently I had…

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Change for Good

Have you ever come back from a foreign trip with leftover currency? If you travel abroad frequently, then you might want to keep the currency and bring it on your next trip to that country. However, if you don’t expect to go back to that country in the foreseeable future, you probably want to do something with it so that it doesn’t become clutter. Bills can be exchanged for dollars at banks that handles currency exchange, but they won’t accept…

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Let’s Start at the Very Beginning

Remember back to last spring when you were preparing your taxes. Pretty annoying, right? Didn’t you hate digging through all your papers to find relevant information, some of which was already more than a year old? I bet you made a vow back then that you were going to be more proactive in the future. January is a great time to get things set up for a smooth tax process. As I described in Reducing the Pain of Tax Time, setting up some…

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