That pile of mail on your kitchen counter and those stacks of paperwork on your desk are costing you.

Every minute you spend looking through clutter, wondering where you put this or that, being unable to focus because you're not organized costs you: time you could have spent with family or friends, time you could have spent being productive around the house, time you could have spent making money.

Overhauling your budget is great, but you have to get organized, as well. If you go about it the right way, it'll be painless.

Here's your plan of attack:
Step 1: Get the Tools You Need
Step 2: Dig In
Step 3: Start Sorting
Step 4: Stay on Track
Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.


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