The following is part of our 21 Days to Improve Your Financial Life special report.
Whether it's your desktop, kitchen counter, purse, wallet, or car (or all of the above), clutter has a way of taking over unless you stay vigilant. Mail piles up, as do receipts and business cards. There are scraps of paper with completely unrecognizable phone numbers and weird tchotchkes from conferences you attended. Electronics detritus is another clutter category that has been moving up the charts: There are chargers, flash drives, and various power cables for devices that perished long ago.