Cleaning your room can be a monumental undertaking. All the different toys and all the pieces of toys can make the proposition of cleaning your room seem overwhelming. "A problem so big and unfix-able why event start?" - Right? The other thing about a messy room is how quickly it can become messy. Often times the room was clean just a couple of days ago and now look, its a mess again.
Here's how to clean your room.
Organize all of the different toys into categorizes based on the number of pieces. For instance, stuffed animals, dolls, accessories, building blocks, cars, action figures, books, clothes, unmade bed. Pretty overwhelming list. And, some of these items consist of many parts and pieces.
Arrange the toys according to the number of pieces the toy has. There is only one bed so its first on the list. The building blocks/doll accessories contain many small pieces so they are last on the list.
Attack the list by first maintaining the amount of mess from the other items (don't get distracted and begin playing with the other toys). You will feel a sense of accomplishment with each "easy" victory. This will motivate you towards completing the ever-increasingly larger chores. But soon, you will have a clean room again.
Debt is a lot like a messy room. Lots of different types of debt and lots of different amounts and its amazing how fast the debt can grow. Soon the amount seems so large and unfix-able "why even start?" - Right?
Paying off debt is much the same as cleaning your room... enter, the Debt Snowball.
The Debt Snowball is a method of debt management where you organize all of your debts smallest to largest, by amount. While paying the minimum amounts on all debts, you put all of your excess funds into the smallest debt first. Once the smallest amount of debt is payed off you take the money that was going to it and roll it into the next largest debt. You continue this process of rolling ever-increasing amounts of money into the next largest debt until all the debts are paid off.
There are more effective methods to paying off debt, but I believe more personal satisfaction comes at a quicker pace through the snowball method than any other option.
Lastly, while the Debt Snowball is usually used for credit card debt, the principles can be applied to all debts. For instance, your credit cards may be the smallest debts so they would be paid off fist, but then, continue the process for your car loans, students loans, and even your home mortgage. Paying the smallest amount of debt to the largest. Within a few years you can be totally debt free!!
