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7 Mantras to Sharpen Your Resolve to Downsize and Declutter

If the time for spring cleaning is long past, yet you still find yourself surrounded by clutter and feeling like you have way too much stuff, maybe you need a decluttering mantra — a statement or a question that you repeat to yourself as you look at each thing in your space. They way you answer the question or the way you respond from your gut after you say the statement will help you determine whether or not a particular item stays or goes. (See also: Do This One Thing a Day to Defeat Clutter Forever)

How an Expensive Wardrobe Saves You Money

No one wants to spend more than they have to. Still, the saying "you get what you pay for" is a truism. While you might ask "why pay more?" when it comes to clothes there are ways that having an expensive wardrobe can actually save you money in the long run.

Here are some ways that spending a little more up front will help you to avoid costs on the back end or even increase your earning potential. (See also: 8 Cheap Ways to Update a Wardrobe You Hate)

Shoes

When it comes to shoes, there are basically two ways they're going to save you money: buying quality dress shoes and quality sneakers.

$4,000, $8,000, or Even $453,500 in 5 Years: A Low-Risk Investment Plan

How much can an investor accomplish in five years? Among the many possible answers, we're going to focus on two in this article: how much you could earn if you needed to use the money you invested at the end of those five years ($4k or $8k), and how much you could accomplish if those five years were used to give you a head start on a longer-term investment program ($453,500). (See also: How to Save $26,000 in 5 Years or Less)

Ready? Let's go.

The 7 Dumbest Big Purchases People Make

Retail therapy is no myth. Psychologists have found that there's a real science behind the burst of joy we feel when we treat ourselves with a big, exciting purchase — no matter how impractical it may be.

Unfortunately, buyer's remorse also exists. Once the newness wears off, our prized purchase sometimes becomes just another thing in the pile of stuff that occupies so much of the space in our lives. We begin to compare it to other things like it that we don't have. A faster sports car. A bigger jacuzzi. The latest cell phone upgrade. And just like that our big buy loses its luster.

The 5 Best Solar Chargers

In our current age of constant connectedness through our myriad mobile devices, having our battery run out in the middle of the day can be a minor nuisance to a potentially dangerous predicament. Carrying a portable solar charger with you can help you avoid this situation, and with solar technology becoming more and more cost effective, getting a high quality solar charger is now more affordable than ever. Here are Wise Bread's picks for the top five solar chargers.

Why Generosity Is Key to Everything — Including Your Career

True generosity means giving without expecting anything — zero, zilch, nada — in return. Generosity takes many forms, both tangible and intangible.

You donate to a specific cause, volunteer at a food pantry, offer to help the intern write a press release, give away free copies of your recently published book… Opportunities to brighten someone's day abound. And yet, although it may seem paradoxical, being generous can also brighten your day — and your career. (See also: 5 Ways Giving to Charity Is Good For You)

Generosity Can Boost Your Career — and Happiness

Giving makes people happier, increasing their productivity at work and leading to long-term success.

Best Money Tips: The Home Edition

Welcome to Wise Bread's Best Money Tips Roundup! Today we found some of the best articles around the web on everything related to your home!

Top 5 Articles

7 Home Repairs You Can Do Yourself — Chances are you don't need a professional to do caulking or fix a squeaky door in your home. [PopSugar Smart Living]

10 Tips Most First-Time Home Buyers Don't Consider — Most first-time home buyers don't look beyond home staging or research grants or other forms of funding. [Five Cent Nickel]

19 Things Most Tourists Overpay For, and How You Can Avoid Them

It's almost a given that tourists overpay for things. Sometimes it's because we don't know the actual (local) cost, or are unaware of negotiating tactics. Sometimes we think we're getting a good deal, but are actually unwittingly crippling local economies.

Ask the Readers: How Do You Use Less Water?

Water conservation is a big deal here in California these days. But even if your area isn't suffering from drought, saving money and reducing our impact on the environment are still good reasons to use less water.

How do you use less water? What is your main reason for conserving water — financial, environmental, practical? Is there any part of your life that might be considered wasting water, but you just can't give up?

Tell us how you use less water and we'll enter you in a drawing to win a $20 Amazon Gift Card!

Win 1 of 3 $20 Amazon Gift Cards

We're doing three giveaways — here's how you can win!

5 Inspiring People Who Each Paid Off Over $100,000 in Debt

Americans today owe over $11 trillion in debt and that number is on the rise. On a household level, that averages out to $15,191 in credit card debt, $154,365 in mortgage debt, and $33,607 in student loan debt — per indebted household.

Carrying a large debt load may seem like a necessity for some, but for many it also keeps them from reaching their dreams. Bulky monthly payments to creditors deplete funds you could be using to fund your dreams for tomorrow. (See also: The Most Valuable Thing Debt Is Costing You Isn't Money)