For a good number of people, getting their financial situation under control was high up on their New Year’s resolution list. The problem is starting and getting consistent. This article makes a great analogy, cleaning your room.

People don’t like change, especially if it causes discomfort. That is the basic theory of the clean room analogy. If you can, and it works for you, why bother cleaning your room or organize your finances? Truth be told… It may be costing you more than you think in the long run.

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Mom’s always tell their kids to clean their rooms! It’s kind of our “thing”. But why do we do it? Well, for starters, it’s our job. In fact, I’m sure it’s written down somewhere in the “Parenting Handbook” that you’re given when you have a child — Ha! In all seriousness, teaching our kids how to keep their stuff in order on a micro level, puts important deposits in their bank of skills that will follow them into adulthood.

I say all of this knowing full-well that kids don’t really care if their rooms are clean or not. As long as there is a place for them to lay their head among the sea of toys and clothes, they’re generally okay. That is, until they can’t find something they’re really looking for that it becomes a problem.

Sometimes as adults, we’re not much different. As long as our financial “mess” doesn’t affect our day-to-day lives, we don’t give much thought to the inherent problems lying right below the surface of our “Instagram worthy” lives.