5 Ways Being Organized Can Help Your Finances

Some of you may not know this about me, but I’m pretty much OCD about being organized. I can’t think when my office is a mess with papers that need filed, and other things that stack up. I like to keep my inbox as close to 0 as possible by filing everything into it’s applicable folder, and I create calendar events for everything in my life so I don’t forget anything. I’m also a huge fan of using budget spreadsheets to help me plan my monthly budgets and budgets for special projects or extra income.

Luckily, my tendency to be almost overly-organized has helped me out financially a few times. Here are 5 examples of how being organized can help your finances.

Never Missing a Payment Date

My debt tracker helps me stay on top of the several credit cards and other debts I have so I never miss a payment. We all know missing a payment or even just sending it in too late can have a devastating effect on your credit score, and maybe even cause you to get into debt. So not missing a payment date is a huge benefit of being organized.

Keeping Track of Deadlines

As a freelancer, keeping track of deadlines for when my work is due to clients is important. Luckily, my organization skills help with this too. I keep a detailed, color-coded calendar of when things are assigned, when they are due, and more. This helps keep me on-track with my business and make sure I keep my clients happy too.

Noticing Suspicious Activity

One way I stay on top of my personal finances is by checking my bank account every single day. I watch my account closely to make sure I’m on track with my budget. I also look over my credit card statements and bills closely too. Another benefit of this is that I can quickly catch any suspicious activity on my accounts and get it fixed before I get scammed out of all of my money.

Saving Money

Being organized also means that I can easily save money by using coupons and discounts by stacking them with store sales. I have an organization system in place to make sure I save the most money possible on things I plan to purchase anyway.

Another example of how organization saves me money is by allowing me to easily return items that are defective or that I’ve changed my mind out. I save all of my receipts and I file them in organized and labeled folders so I can find them if I even need to make a return. It also makes filing my taxes every year that much easier too.

Staying on Top of Maintenance

As a car and home owner, I need to perform regular maintenance on my belongings. I know they’ll last longer and cost me less in the long-run if I invest my time and money into regular maintenance. In order to not forget anything the needs to be done to keep my car and home in tip-top shape, I keep a checklist of things that need to be done so I can easily mark them off when they’re done.

Being organized sometimes means being a little less spontaneous, but being organized can also have a lot of benefits – financially and otherwise.

Are you an organized person? How do you stay organized?

About Kayla

Kayla is a mid-20s single girl living in the Midwest, USA. She is focused on paying off her consumer and student loans, while simplifying her life and closet. You can join her on her journey at ShoeaholicNoMore or follow her on Twitter.


  1. Kayla, I really wish I had your organizational skills! I do try to stay organized about some things, especially money related ones like payment due dates. There are several areas where I could improve though. I’m totally going to get to work on a color coded Google calendar to stay on top of things. That’s a great suggestion!

  2. I was guilty of missing the occasional deadline for those bills I couldn’t automate so now as soon as the bill comes in, I set an alarm on my phone for the payment date. No more late (or panicked last minute) payments!

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