Organization

Everyone has a bad financial habit. We live in a country that spends billions on advertising to make us want to make purchases; However, if you are looking to make change and break your bad financial habits use these tips. Remember: even though the habits are hard to break and require conscientious effort, there is payoff. Note the emphasis on the word payoff.

1. Pay bills when you receive them. Think of all the stress and anxiety (not to mention late fees) that you experience when you put off paying your bills. When you receive the email notification or open the bill in the mail, take care of it. It will only take five minutes, and you won't be swamped with bills at the last minute.
2. Use cash and not your card. You need to save up for a trip or need to pay off a credit card, but you have a hard time controlling the amount of swipe purchases you are making. Minimize this urge by using your ATM card once a week to withdraw the amount of money you have allotted yourself for the week. Keep your cards at home, and even stow your credit cards in a hard to reach place in your closet to keep you from using them.

See more ways to break your bad financial habits.

There's nothing more frustrating than an mailbox full of junk mail, so make dealing with junk mail one of your Spring resolutions. To start with, here are a couple of sites you should visit:

• Catalog Choice: With over a million users and counting, this is a free and easy way of cutting down your catalog junk.
• Direct Marketer's Association: You can request one of the over 3,600 companies under the DMA's umbrella to stop sending mail to you. This includes credit offers, catalogs, mail offers, and magazine offers.
• OptOutPrescreen.com: A bunch of credit reporting companies started this website to soothe the frustrations of consumers. This is a good site for opting out of those endless credit card offers.

If you're done checking out the above sites and the flow of junk mail from certain retailers still hasn't stopped, you can also try manually contact the culprits. If you have the time, you can phone the companies to opt out of their mailing lists. Or if you prefer, you can dig around on their websites to see if you can be removed from their list online.

Remember to note on an Excel sheet or Google doc details of the companies you have contacted and the dates you spoke with them so you'll know when to follow up.

If you've moved to a new place, you might find yourself inundated with the previous tenant's mail. First, you should communicate to the mail carrier that you're receiving a previous tenant's letters, says Sue Brennan, a spokesperson for the US Postal Service. You can do this by telling the carrier in person, leaving a note in the mailbox, or writing the word "moved" on the ex-tenant's mail.

Source: Etsy User TerraViam

Have you ever heard someone's money-saving trick and thought it sounded absolutely insane? There are plenty of strange ways to save a buck or two. What's really great, though, is when it actually works. Head over to our partner site Wise Bread for some crazy yet effective forms of penny pinching:

I've been called many things in my life. Some good, some not so good. But I can't say I've ever been called crazy when it comes to being frugal. So, as I'm not getting any younger, I thought it was time to bring out a list of 10 crazy frugal schemes and earn the sobriquet. Some of these plans are certainly more "out there" than others, but all are worth a try, I think. Put some of them to the test and let us know how you get on.

Related: The Enemies of Frugality

And, if you have some even crazier ideas, chime in. While I was writing this article, a friend of mine told me they sometimes skip buying lunch and eat free samples from the grocery stores. It may save a few bucks, but that’s not my style. Anyway, on with the list.

Read on for more.

Folding clothes isn't exactly anyone's idea of a fun time, but perhaps it might be more enjoyable if you were able to do it in two seconds. Think about it. In the time it takes to gulp down some water, scratch your head, or unwrap a piece of candy, you could have folded one shirt! It's almost like a superpower. Get ready for this life-changing tutorial on folding shirts like a ninja:

Keeping tech organized is sort of a hobby in itself for us. The first step in our quest for the title of Titan of Tidy Tech: picking up the charging cords off the ground. Meet the quickest way to a life of iPhone 5 efficiency: the Bluelounge Lightning MiniDock ($40).

We loved the MiniDock in its previous 30-pin incarnation and are relieved to see the dock finally available for those who have upgraded to Lightning iDevices. Plug the MiniDock into an existing USB power adapter, set the phone in its spot, and voilà! Nothing to worry about except what you'll do with all that open space on the floor or tabletop now free of tangled cords.