This not only will simplify your financial life, it will save you money. If you still can't control your credit card spending, cut the remaining cards up with scissors. Consolidating various loans also may simplify your financial life and save you money if done properly. Keep good records . Record keeping sounds like more work, not less.
Computer software does much to cut the clutter and time.
But even a simple system using accordion folders and a simple ledger notebook can work wonders. Set aside regular time for finances . Try to do all your budgeting, bill paying, and other financial paperwork at a regular time each week. Also, have a regular place to keep your paperwork. Keep a budget .