Declutter Your Finances

Step 4: Assess Your Spending Habits

Look at your spending habits and figure out exactly what you're spending your money on. "Where is your pursuit of 'more' taking over your life, robbing you of true happiness?" Peter asks. "More" could be eating out at restaurants, shopping for clothes or taking luxury vacations. "Shopping is a means to an end," he says. "If it's an end in itself, then there's a problem."