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Welcome to Mission 12 of our 52 Get Organized Missions.
What do the financial folders in your home filing system look like? More accounts than you need or can handle?
If your accounts are in disorder, it makes it hard to feel on track with your financial goals. So this week we’re going to streamline your credit cards, bank accounts and investments accounts. It’s a great way to raise your financial self esteem.
Remember: you only need 30 minutes for the basic mission. Extended Options are below. If you’re new, you might like to start here: 52 Organizing Missions.
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Our group responses are as follows: Organize Your Accounts & Credit Cards
Step 1: Collect Your Statements
Keep until they are reconciled then trash or if necessary keep for tax purposes
Step 2: Separate Statements by Account Type
Credit and store cards; Bank accounts; Retirement, 401K; Personal loan
If you have a lot of debt we suggest you consolidate your bills by getting all your outstanding bills together and then use credit counseling agency or bank they pay the bills off and you pay a monthly with a small monthly fee. If you go through credit counseling they can get the interest off or your credit card. If you use a credit counseling agency or bank take your monthly bills and out of pocket expenses. They have to leave you enough money to live on. Then they will determine how much per month you can pay.
We suggest you only carry one credit card for unforeseen emergencies i.e. car breaks down; on vacation and need to get home, inclement weather where you need to spend the night in a motel/hotel, etc. All other credit cards should be cut in half so you don’t use them.
This step is an ongoing process for me