The Roots of Clutter

How do we end up with so much clutter? Because we collect it. And why do we collect it?

For one thing, it’s cheap entertainment, and I do mean cheap; much stuff nowadays is inexpensive and doesn’t hold up well, but it serves its purpose by temporarily satisfying a desire. The problem is when we hang onto it when we don’t need it anymore, or when it’s no longer useful. Some typical cheap and temporary thrills that soon turn to clutter include clothes bought on impulse, kitchen items that are more attractive than useful, and craft items for crafts we hope to take up someday.

Also, credit allows us to amass all sorts of things we couldn’t afford otherwise. Compared to our elders, for whom stuff was more expensive and saved up for or not bought, we can have many things we don’t have the money to buy outright. So we can end up with more stuff than we would have otherwise.

Of course, clutter is sometimes the visible evidence of emotional issues. You buy something to make yourself feel better after an argument, a frustration, a breakup, or just a bad day at work. Shopping therapy can leave you temporarily satisfied but living in an overpacked home.

Finally, a lack of clutter, or simplicity, can leave us feeling naked, like there’s nothing to protect us from the world or ourselves. It’s no surprise that some of our greatest thinkers emphasized a minimum of stuff. They understood that possessions don’t make the man (or woman), and that sometimes, possessions own you instead of the other way around, leaving you too busy maintaining all of your stuff to think hard about what’s going on in your life and in the world. Ultimately, your clutter can be a great distraction from more important issues.

What Do You Spend Each Month?

You can’t determine what affordable housing means for you until you know how much money you have, and how much money you spend. We’ve previously looked at the first; now let’s figure out the second.

Whether you use an expenses app on your phone, or write down every dollar you spend in a small notebook, get in the habit of tracking your expenses. Do this for three months straight. This will give you a pretty good idea of what you spend, and where you spend it.

You’ll need to group your expenses into categories. I use my own categories when I do this (I’ve done it for almost my entire adult life). They include:

  • House payment or rent
  • Utilities
  • Property tax
  • Charity
  • Health-sharing ministry
  • Food
  • Car Insurance
  • Car expenses
  • Car gas
  • Medical/dental
  • Disability insurance
  • Life insurance
  • House insurance
  • Miscellaneous
  • Entertainment (includes dining out)
  • Gifts/cards
  • Yard/house
  • Clothes
  • Cell phone
  • His hobbies
  • Her hobbies

Many of these expenses are the same every month, so it’s not that hard to do this on a monthly basis. Just total these expenses, and any others you might have that I don’t have on this list; that total is an important number.

The big question is: how big is that number compared to your total monthly take-home pay? Do you spend more than you earn each month? If you do, something must be done. You need to be financially solvent going into your later years if you don’t want to end up living in your car someday.

If you’re spending more than you earn, I assume you have credit card debt. You’re going to need to get rid of that. If you have a spending addiction, you’re going to have to get help for that. If you live like someone who earns far more than you actually do, you need counseling to find out why you do that.

In addition to those issues, look at the individual categories to see where you can pare down. The largest categories are ripe for that, but the smaller categories add up, too. Be honest with yourself; where can you cut back so you can start spending less than you earn?

If you already spend less than you earn, congratulations! You’re one big step ahead of many people. Now you need to look at where you want to live before and in retirement, and whether you can afford it.