Living a simple life can have many benefits – one of which is improved finances. When you remove the clutter from your life, both physically and mentally, it becomes much easier to keep track of your money and make wise decisions about how to spend it. Here are 33 things you can do to simplify your life and get your finances in order!
Start by evaluating your current situation and setting some financial goals. Do you have any debt that you need to pay off?
Are you saving for a specific purchase, like a home or a new car? Once you know where you stand financially, you can start making changes to improve your situation.
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keep life simple quotes
“My goal is no longer to get more done, but rather to have less to do.”
Francine Jay, Miss Minimalist
“The ability to simplify means to eliminate the unnecessary so that the necessary may speak.”
Hans Hofmann
“The secret of happiness, you see, is not found in seeking more, but in developing the capacity to enjoy less.”
Socrates
Keep life simple and finances in order #1. Create a budget
One of the best ways to keep life simple and get your finances in order is to create a budget and stick to it.
Track your income and expenses for a month to get an idea of where your money is going, then make necessary adjustments to ensure you are living within your means.
Be sure to include savings in your budget so that you can reach your financial goals!
Keep life simple and finances in order #2. Stay under budget.
One of the most important things you can do to keep life simple and get your finances in order is to stay under your budget. This means spending less than your income and saving the rest.
When you live within your means, you are less likely to accumulate debt and will have more money available to reach your financial goals.
More reading: Main purpose of a budget
Keep life simple and finances in order #3. Make a plan
It’s important to have a plan for your finances. This includes setting goals and creating a budget, as well as choosing the right financial products to help you reach your goals.
For example, if you are trying to save for retirement, you will want to choose different investment options than if you were saving for a new car.
Keep life simple and finances in order #4. Consider your needs
When making financial decisions, it’s important to consider your needs. For example, if you are trying to save money, you may want to choose a less expensive car or forego a vacation this year.
However, if you are trying to pay off debt, you may need to make some sacrifices in other areas of your budget in order to free up extra money to put towards your debt.
Keep life simple and finances in order #5. Get help if you need it
There’s no shame in admitting that you need help when it comes to your finances. If you are struggling to keep up with your bills or make ends meet, there are organizations and resources available to help.
Don’t be afraid to reach out for help if you need it!
Keep life simple and finances in order #6. Stay informed
It’s important to stay informed about your finances and the financial world in general. This will help you make wise decisions about your money and keep up with changes that could impact your financial situation.
There are a number of resources available to help you stay informed, including books, magazines, websites, and even television shows.
Keep life simple and finances in order #7. Review your progress regularly
It’s important to keep track of your progress and review your financial situation on a regular basis.
This will help you stay on track and make adjustments as needed. You should review your budget monthly to ensure you are still on track, and take a look at your overall financial situation at least once a year.
Keep life simple and finances in order #8. Have an emergency fund
One of the most important things you can do to keep life simple and get your finances in order is to have an emergency fund.
This will help you cover unexpected expenses, like a car repair or medical bill, without having to put it on a credit card or take out a loan. You should aim to have at least three months of living expenses saved in your emergency fund.
Keep life simple and finances in order #9. Invest for the future
Investing is one of the best things you can do for your future financial security.
When you are investing, you are basically putting your money into something that has the potential to grow over time.
This can be a great way to build your wealth and secure your financial future.
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Keep life simple and finances in order #10. Make a will
One of the most important things you can do for your finances is to make a will. This document will outline your wishes for your assets and how you would like your debts to be paid.
This can be a difficult topic to think about, but it’s important to have a plan in place in case something happens to you.
Keep life simple and finances in order #11. Have insurance
Another important part of financial planning is having the right insurance. This will help you protect your assets and income in case of an accident, illness, or other unexpected event.
There are a variety of different types of insurance available, so be sure to research the options and choose the one that best meets your needs.
More reading: One cost of avoiding insurance
Keep life simple and finances in order #12. Live within your means
One of the best things you can do to keep life simple and get for your finances in order is to live within your means. This means spending less money than you make and being mindful of your spending habits.
If you can keep your spending under control, you will be in good financial shape.
Keep life simple and finances in order #13. Save for retirement
One of the most important things you can do for your future is to start saving for retirement as early as possible.
The sooner you start saving, the more time your money has to grow. There are a number of different retirement savings options available, so be sure to research the best option for you.
Keep life simple and finances in order #14. Pay off your debt
If you have debt, it’s important to make a plan to pay it off as soon as possible. The sooner you can get rid of your debt, the better off you will be financially.
There are a number of different strategies you can use to pay off your debt, so be sure to find one that works for you.
More reading: Pay off debt fast on low income
Keep life simple and finances in order #15. Stay informed about changes in the marketplace
It’s important to stay up-to-date on changes in the marketplace that could impact your finances.
This includes things like interest rate changes, new laws or regulations, and economic trends.
By staying informed, you can make the best decisions for your financial situation.
Keep life simple and finances in order #16. Have a plan for unexpected expenses
No matter how well you budget, there will always be unexpected expenses that come up. It’s important to have a plan for how you will handle these so they don’t put a strain on your finances.
You can set aside money each month to cover unexpected expenses, or you can create a fund that you can tap into when needed.
Keep life simple and finances in order #17. Invest in yourself
One of the best things you can do for your financial future is to invest in yourself. This includes things like getting an education, learning new skills, and taking care of your health.
By investing in yourself, you are increasing your chances of success in the future.
Keep life simple and finances in order #18. Review your expenses regularly
It’s important to keep track of your spending so you can see where your money is going.
This will help you identify areas where you can cut back or make changes. Reviewing your expenses on a regular basis will help you keep your finances in good shape.
Keep life simple and finances in order #19. Stay disciplined with your spending
It’s important to be mindful of your spending habits and keep them under control.
This means being disciplined with your spending and only buying what you can afford. If you can stay disciplined, you will be in good financial shape.
Keep life simple and finances in order #20. Invest for the long term
When it comes to investing, it’s important to think long term. This means investing in things that will grow over time, such as stocks, real estate, or mutual funds.
These types of investments can provide you with a solid return if you are patient and hold on to them for the long haul.
Keep life simple and finances in order #21. Diversify your investments
It’s important to diversify your investments so you are not putting all your eggs in one basket.
This means investing in a variety of different asset classes, such as stocks, bonds, and real estate. By diversifying, you can minimize your risk and maximize your potential return.
Keep life simple and finances in order #22. Review your investments regularly
It’s important to keep watch on your investments and make sure they are performing as you expect.
This means reviewing them on a regular basis and making changes if needed. If your investments are not performing well, it may be time to sell them and invest in something else.
Keep life simple and finances in order #23. Have a plan
It’s important to have a plan for your finances so you know where you are going and how you are going to get there.
This means setting goals and creating a budget. Without a plan, it will be difficult to reach your financial goals.
Keep life simple and finances in order #24. Set realistic goals
When setting financial goals, it’s important to be realistic. This means setting goals that are achievable and within your reach. If your goals are unrealistic, you will likely become discouraged and give up.
Keep life simple and finances in order #25. Stay organized
It’s important to keep your finances organized so you can keep track of your money. This means keeping receipts, statements, and other important documents in a safe place.
When you are organized, it will be easier to keep track of your finances and make changes when needed.
Keep life simple and finances in order #26. Keep good records
It’s important to keep good records of your income and expenses. This means tracking your spending and saving receipts. Good records will help you keep track of your finances and make changes when needed.
Keep life simple and finances in order #27. Stay on top of your bills
It’s important to stay on top of your bills so you don’t fall behind. This means paying your bills on time and in full. If you can stay on top of your bills, you will avoid late fees and other penalties.
Keep life simple and finances in order #28. Take breaks
Take breaks often to keep your sanity in check. When it comes to finances, we often think that more is better.
More money, more things, more work, more hours. But what we forget is that more doesn’t always mean better. In fact, sometimes less is actually more.
Keep life simple and finances in order #29. Celebrate little milestones.
When it comes to financial success, we often think that we need to accomplish big things to feel good about ourselves.
But the truth is, even small accomplishments can make a big difference in our overall financial wellbeing. So celebrate the little milestones along the way and keep yourself motivated to reach your bigger goals.
Keep life simple and finances in order #30. Set realistic goals.
One of the most important things you can do to keep life simple and get your finances in order is to set realistic goals. If your goals are too lofty, you’re setting yourself up for disappointment. But if your goals are realistic, you’ll be more likely to achieve them and feel good about your progress.
Conclusion: Keep life simple and finances in order
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By keeping life simple and getting your finances in order, you will be on your way to financial success. These 33 things will help you keep track of your money, pay off debt, and reach your financial goals. So start today and keep life simple and your finances in shape.
Over to you
What are some of the things you do to keep your finances in order? Share your tips in the comments below. And if you found this post helpful, please share it with your friends. Thanks for reading!
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About the Author
Don is a father, real estate investor, self-directed investor and a personal finance enthusiast. He also holds an MBA and loves to share his financial Journey with others.