Organization is the Ultimate Key to Getting Out of Debt

Why Organization is the Ultimate Key to Success for Getting Out of Debt

Being in debt is hard. This is true from anyone, whether you had a comfortable lifestyle and then encountered a sharp, unexpected fall or have been struggling for several years. But the good news is, “being in debt” is not a character trait–you can change it by consciously putting energy toward improvement (and not being hard on yourself at the same time).

When you read this site and other sites out there about getting out of debt, you’ll likely be inundated with a ton of tips and tricks and ideas that just make you want to do nothing. And many sites out there will provide you with short term loan options like car title loans that push you further into debt. Wouldn’t it just be easier to avoid it at all costs? Perhaps in the short term, but certainly not in the long term.

In order to support all the other advice out there, you just need to have one super important skill in your back pocket: organization. While we all might pretend to be organized to impress others, chances are there are more efficient ways in which you could put all your thoughts together. Or, if you’re a calendar and Post-it organization king or queen, hats off to you, and you’re sure to understand what we’re saying.

When it comes to getting out of debt, there are a lot of details to deal with. There are deadlines and possible new solutions, all while you’re dealing with your everyday stresses. Even if you’ve heard this a million times, it doesn’t change the fact that it has value: write stuff down. It could be on a piece of paper or a note on your phone. What you write on doesn’t matter so much as your ability to find it later. After all, you could write down all the things in the world, and if you couldn’t see them again, you’d just be out of luck.

So, perhaps for you this means dating your notes or having a spreadsheet that outlines every payment you need to make, its amount, and the date you paid it. There isn’t one set way to be organized, as different methods feel right for different people. If you haven’t spent a ton of time working on organization, expect some trial and error.

No matter what system you’re using or trying, remember that organization isn’t something that you just do once. It’s like cleaning your bathroom or doing another chore that you’d rather push to never. It comes up again and again because there’s regular work required for success (this could come in the form of writing new bills down when they come, for example). But, like many have found before you, you’ll likely discover that slowly forming a routine will slowly lower the threshold of difficulty until it’s not there at all. It just takes time and just a tiny bit of dedication.

With an organizational system in place, you’ll be able to see what’s going on without having to go through a ton of papers. By giving yourself a safety net of organization, the holes for things slipping through the cracks get smaller and smaller.

70% of New U.S. Generating Capacity in First Half 2015 is From Renewables


Newly released data from Federal Energy Regulatory Commission (FERC) highlights a promising trend: newly added renewable capacity for 2015 is 70 percent higher than all new generating capacity and 900 times more than coal output.

The recently released “Energy Infrastructure Update”  report revealed that almost 70 percent of the newly installed electrical generation came from clean-tech geothermal, biomass, wind, hydropower and solar sources this year.

But the promising figures are underestimated and could be higher. The FERC does not include distributed solar energy generated from residential and commercial rooftops figures in its data.

In order of most renewable energy output:

  • Wind accounted for more than half of all new capacity at 1,969 megawatts (MW) of new generating capacity
  • Solar followed with 549 MW although the amount is likely higher if commercial and residential energy collected would be included
  • Biomass comes in third with 128 MW
  • Geothermal steam added 45 MW to the figures
  • Hydropower contributed 21 MW

To add to the great news, there have been no new installations of oil-based electricity generation plants or nuclear power installations, and just one coal facility installation in the US this year. The report findings also show that this year’s renewables amounted to more than 50 percent of the new capacity derived from gas, which contributed 1,173 MW.

The US has finally embraced renewable energy. And as the US grows its renewable energy output, other parts of the world are likely to follow. In contrast to other energy sources, renewable energy resources are able to exist over wide geographical areas, in contrast to other energy sources, which are concentrated in a small number of countries.

While many renewable energy projects are large-scale, renewable technologies can also be effective in remote areas and developing nations, where energy is often a vital component to a developing nation’s progress.

United Nations Secretary-General, Ban Ki-moon, a strong supporter of clean, renewable technology has said, “What we need most is strong, sustained political leadership to drive this clean energy revolution forward at the speed and scale necessary. We need to ensure that the right policy incentives and policies are in place to let the market do what it does best: innovate down the cost curve, and satisfy demand.”

More than 30 nations worldwide have renewable energy contributing at least 20 percent to their energy supply. And these renewable energy markets are projected to continue to grow strongly in the coming decade and beyond.

While the US is making positive strides forward, it has yet to catch up with the 30 nations with at least 20 percent of energy coming from renewable sources. According to the US Energy Information Agency, preliminary data shows that renewable sources of energy accounted for 13 percent of US electricity generation.

As the federal government reviews whether or not to renew its federal tax incentives geared towards promoting clean and renewable energy resources, SUN DAY Campaign executive director Ken Bossong, said: “With congress now debating whether to extend the federal tax incentives for renewable energy sources, it is reasonable to ask whether the American public has gotten a good return on these investments,” he commented. “The latest FERC data confirms that the answer is a resounding yes.”