What is Money Clutter?

Money clutter is the unresolved money situations or issues in the following categories that rob you of your time, energy and income:

People – unresolved or incomplete conversations regarding your money with your business partners, family, employees, etc that need to be completed.  Phone calls, emails and requests that need to be made.

Places – the physical environment –your office, work space or room in your home that may be unorganized or cluttered.

Things - unpaid bills or taxes, credit card debt, money owed to you, unorganized paperwork, equipment, lack of systems, etc that have PILED up, robbing you of Time, Energy and Income

How does Money Clutter affect Your Life and Your Business?

Everything in your environment either gives you energy or drains your energy.  Your environment is also somewhat defined by the recurring activities or patterns of action that occur in it.  According to Christopher Alexander, architect and philosopher of environmental design “The fact is, a person is so far formed by his surroundings, that his state of harmony depends entirely on his harmony with his surroundings” 

So what does that mean for you?  Everything in your environment that relates to money is either supporting you, giving you energy and moving you closer to your goals or it’s sabotaging, draining you and keeping you further away from your goals. 

5 Steps to Clear Your Money Clutter

  1. Get Clear on the desired results or goals you have for your Money and your business. 
  2. Identify the People – Places – Things in your Money Environment – you can begin by making a list and then identifying the recurring activity.  i.e. People - Conversations with Business Partners, Accountant, Coach.  Places - where you pay bills, schedule payments, collect fees, file documents. Things - Files, supplies, paperwork, software programs, computer, etc.
  3. Leverage Resources – list the resources you already have in place in your money environment in each of the areas of people, places and things and rate how they can support your goals and desired results.  Note what resources are missing and any that you would like to put in place. i.e. People - team member that is skilled in money activities, accountants or bookkeepers.  Place - office or space set up to handle money activities. Things- supplies, software, filing systems, equipment. 
  4. Tolerations – identify what you are tolerating with your money clutter– what’s broken, a mess and missing.  Zap your tolerations by fixing something that’s broken, cleaning up a mess, replace something that’s missing. 
  5.  Uncover the underlying payoffs you are getting from keeping your money clutter the way it is. Your environment is a reflection of what’s going on inside – it’s important to consider the payoff you're getting from your money clutter otherwise if you just clear the physical clutter, it may re-appear because you haven't revealed and shifted the hidden intentions that are running in the background. i.e. you may be resisting clearing up disorganized bills or stacks of paperwork because you have a fear of not having enough money to pay the bills or guilt about money you've spent. In some way keeping the money clutter is serving you in a negative way and keeping you from achieving your money goals.  

I've created a FREE -5 Day Clear Your Money Clutter Challenge where you can discover your own unresolved money situations and get the information and support to eliminate them so you can - Get Into Action and Achieve Your Goals! 

   Join the Challenge!  


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Coach Estelle is the coach to call if you are ready to eliminate your limiting beliefs, get into action and Achieve Your Financial Dreams! With over 35 years as CPA working in Finance, Purchasing and Management she has worked with individuals and companies ranging in size from small privately owned businesses to Fortune 500 companies in various industries.

In addition, with over 15 years as a Church Leader and Holistic Financial and Business Coach, she has worked with individuals, churches and organizations to:

  • Create financial freedom by having a plan and process that works for them and their life
    • Move beyond the limiting beliefs that stop them
    • Align their values, vision and mission statements with goals and action steps
    • Realize their unique gifts and talents and create the future that they desire
    • Create strategic plans for their business and personal lives

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