What’s Your Money Clutter? Find out!

So how do you know if you have money clutter in your life, and why is it important to get rid of it? Well, chances are you do have it…because most people do, without even realizing it.

First, it’s important to become aware of it, and then clear it, because it’s like a giant energy ‘hogger’ in your subconscious mind. It’s holding you back in many areas of your life, especially where money is concerned, and you don’t even know it.

How do you recognize money clutter? You know it’s money clutter because it feels unfinished, unresolved, messy and complicated, or it’s something you’ve been avoiding!

Here are some of the most common examples of money clutter:

#1 People Owe You Money

Do you know what I’m talking about? Your friend Sally really needed to borrow some money, because [insert the reason here]. You didn’t give it to her as a gift, but you also didn’t discuss the repayment plan. Why? Because she’s your friend, and you trust her, right? Well, now it’s six months later and you haven’t seen any of your money. You’re too embarrassed to ask. Sounds familiar?

Or, a client owes you money, or defaulted on their payment, but he/she is still your client, and you keep providing your services, because you’re afraid to upset them. Could that be you?

#2 You Owe People Money

The situation can be reversed, and you are the one owing money to your friends and/or family members. Unless both parties have good boundaries, and are very good and clear with money, this situation can become very entangled and messy. Chances are that if you’re not paying back the money, however slowly, feelings of guilt and shame start creeping in. Many a friendship has been lost because of such circumstances.

#3 Bills and Receipts Mess

You don’t have your bills and receipts in their proper folders. Instead, they’re all over the kitchen counter, or in a shoe box. Every time you walk by the stack, you feel guilty, because you know it needs to be done…but you keep putting it off. The energy drain is huge. This one is really quite common.

#4 Erratic Bill Payments  

You haven’t really taken the time to list all your payments, with their due dates. As a consequence, your bill payments are irregular, or worse, you miss a payment or two. This can be especially bad if you have credit card debts, as your credit rating may be affected.

#5 Wallet Woes  

It seems that women in particular are afflicted with this (sorry ladies, I used to be guilty of it myself). Here’s the picture:

• Your wallet has definitely seen better days (tattered, torn, broken zipper, etc.).
• It’s way too small for your current needs, never mind being able to accommodate larger amounts of money!
• It’s oddly shaped and the colour is drab.
• There is absolutely nothing glamorous about it!
• It’s overflowing with receipts, so there isn’t really any room left for the money.

Guilty? The good news is that most of us also love shopping, so buying a new wallet might be a fun project.

I hope you found this subject enlightening, or at least thought and action provoking. I’d love to hear which of the above applies to you, and what you’re going to do to change it. Looking forward to reading your comments!

With love and bliss,

Julia

P.S. I specialize in helping women in business (and smart men :)) to dissolve their negative money beliefs and habits, so that they can achieve the financial success they desire, in a short time. If you’d like to talk to me about this for 30 minutes, 1:1 (my gift to you!), please fill out this simple application, and we’ll let you know if you got a spot for “Clear Your Money Clutter” breakthrough session.