Suze Orman
Photo: Brian Bowen Smith
I have a surefire way to build wealth that won't cost you a penny. Even better, it's so easy, you can do it while watching a DVD. Here's the deal: You are going to clean up your finances by trashing old paperwork that serves no purpose other than as a dust magnet, and developing a system for keeping your important documents, bills, and statements organized. Like your home's closets, your financial clutter needs an overhaul every now and again, and the payoff will go far beyond the psychic satisfaction of neatening up.

I am a big believer that orderliness begets wealth. A pile of bills and statements—whether paid or not—is a sign that someone is clueless about what's coming in and going out. When you consciously open, read, and file away your bills and statements, you are connecting with your money and taking control of your life.

Being organized also makes it infinitely easier to give yourself the financial health screenings I advocate month in and month out. For example, if I told you to check your home insurance policy right now to make sure your coverage is for "guaranteed replacement" or "extended replacement," would you have any idea where your policy is? If not, you could have insufficient coverage, which could mean tens of thousands of dollars in uncovered claims.

If you're not staying on top of your money, you are putting your financial well-being at risk. Here's how to launch an invigorating spring-cleaning