Decluttering to Become Debt Free

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    Last Updated on May 18, 2022 by Melissa S.

    If you follow frugal living blogs or social media accounts, one common message you may find is encouraging people in decluttering their possessions in order to live more intentionally. At first, I was puzzled by this, because if I’m spending less, surely I want to hold on to the things I do have?

    However, I soon realised that decluttering my things was going to help me immensely in becoming debt free – and not just to make money selling unwanted items (although that is definitely useful too!) Here’s 6 reasons why decluttering to become debt free works.

    Decluttering allows you to see what’s important – and what isn’t

    When I began my debt free journey, one of the first things I did was look around at all the “stuff” I had accumulated. I wouldn’t say I’m a hoarder, but I used to find it hard to let go of things I knew I had spent money on but were no longer useful – or had never been useful in the first place.

    Once I took the plunge with decluttering, I could see the items that were actually worth spending my money on. If one high quality and useful item cost the same as buying 5 cheap and useless things, then that is the more frugal option. Which brings me nicely onto the next point…

    A bargain is only a bargain if it’s useful

    One of the main reasons I had so many things is I’m a sucker for a bargain – (and still am). Whether clothing, shoes, make up, Home Bargains finds – if something was on sale for a great price then I was almost guaranteed to buy it. Obviously I’ve found some great items this way over the years, and it was one of the reasons I set up my Instagram account to share my finds. 

    However, when I started decluttering I realised that a lot of these items remained unused months later. As an example, I always used to take advantage of Boots gift sets in the Boxing Day sales. There would maybe be one of 2 products in the set that I was drawn to, and the others were not my thing. But into the dressing table drawers it would all go, meaning I was swamped with stuff I just didn’t use or need.


    Now, I am much more careful with the items I bring into the house and picture what I will do with it and where it will go. I can’t confess that I never end up buying something I shouldn’t, but it’s a good start!

    You can make money selling the items you are decluttering

    As previously mentioned, this is an obvious one, but don’t underestimate the money to be made!

    Recently I made over £1000 over 90 days selling my old clutter which you can read about here.

    One of the most popular posts on my blog is about selling CDs on ebay, while this post covers selling items you might just usually throw in the bin!

    Spending less will help you tackle your debts quicker

    You may be thinking cutting down on buying a few cheap things isn’t going to make much of a dent in your debts. Of course, everyone’s situation is different but for me, reducing my spending became more of a lifestyle choice rather than a short term measure.

    Once I became aware of how much money I had wasted on things I didn’t need, reducing my spending habit became much easier. I managed to cut my monthly spending money from £500 to just £150, so as you can see this is quite a significant amount! By spending money, I mean purely non essentials for myself such as clothes, meals out, make up etc.

    I put the extra £350 a month towards paying off my debts faster using Dave Ramsey’s Debt Snowball method.

    Your house will be calmer and more ordered

    Having a calmer and more ordered house may not directly be linked to paying off debts, however it can do wonders for your mental health, which in turn can lead to a more positive attitude towards tackling debts.

    Equally, once you have a more clutter-free environment, you are less likely to want to buy more “stuff” to fill it, which makes the spending habit easier to curb.


    You will have more money for the things you truly value

    I’ve swapped buying cheap clothes and make up for paying off my debts, building savings, and finally, make more substantial purchases rather than lots of little ones. For example, I recently bought an inflatable hot tub for the garden for £350. As stated above, I spent more than this each month on non essentials that didn’t really amount to much. 

    These days, I would much rather have less insignificant  “stuff”, more money, and items in my home that I truly value.


    Of course, if I said I currently had a perfect clutter-free home, that would be a lie! Decluttering is definitely an ongoing, if not lifelong process, especially with young children in the house who quickly outgrow clothes and toys. But stopping the accumulation of extra clutter is definitely the key to a good start!

    What do you think – have you tackled decluttering or are you wanting to get started? Leave me a comment and let me know!


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    2 Responses

    1. Hi we’re both at the moment me and my husband. Just set up eBay accounts and would like to know how to pair the. Pay pal account and the eBay accounts together as we are both really trying to find out this as we’re both just starting and both trying to sell things and start budgeting and decluttering. And then to take this money and then put the money to paying off all of our debts. And get out of debt and wondered if you could let me know how we can pair our pay pal accounts to eBay accounts please. As I’d really appreciate it please as we really want to de clutter. And start saving money. And then start paying off all of our debt and then be debt free totally. And start following Dave Ramsey and start doing the debt snowball method as we’ve got our envelopes all start budgeting. And are just in the process of doing a budget tracker. Where we can track down everything that we are spending on bit of paper at the moment.

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    Hi! I'm Melissa

    I help busy mums like me become financially fitter without resorting to extreme “crash diet” measures.

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