Less debt

Yep, we need to address the "D" word.  Debt.  You need to get out of it.  You WANT to get out of it.  But how?  The same way you eat an elephant...one bite at a time.

First, you need to know how much you have.  Debt, that is. That is an uncomfortable step to take but it is vital.  Crown Financial ministries has great counselors that will help you personally.  Or you can utilize their website - tremendous resources are available to help you climb that DEBT mountain...and conquer it.  But first you gotta know how big that mountain is. 

Write down what you owe and to whom.  Medical bills, credit card debt, car loans, student loans, any kind of consumer debt.  Then commit to a plan to take care of it.  Get someone to help you set one up and someone to keep you accountable.  This time next year, you will be in the same place you are now -- or worse -- unless you do something about it now.  Baby steps.  You can do it!!

Less debt means more peace.  And joy. And freedom.  LESS is MORE!!

Oh, and another declutter activity....go to each bathroom in your house and clean out the cabinets.  Just like you did last week in your den - two bags: 1 for trash, 1 to give away.  Your extra sheets, towels, shampoo, and soaps can be put to great use at homeless shelters.  Now, word of acknowledgement -- if you stock up on things like deoderant and soap and toothpaste when they are onon sale, you don't have to feel like you have to get rid of them now.  But those little travel sizes or the ones you will never use, etc need to go. 

I hope you are finding less clutter and more freedom.  Just don't make the mistake of thinking that you need to replace those things you are shedding :)