Gotta do the work..but make it fun

Sad but true, if you don't do the work you aren't going to get the results. Those piles of paper aren't going to disappear without your help (unless you torch the place) and you aren't going to get more organized by wishing you were -- or by having a book about organizing on your shelf. Just like the folks who take the escalator into their fitness club. That's not going to help get washboard abs.

The good news is, getting unburied doesn't have to be a miserable experience. Just change little habits over a period of time and the results compound -- at a rate much superior to that CD at 3% interest you've got going.