For email, unless, I have allowed the sender into my inbox, everything goes to junk. I mostly delete junk several times daily, but do look for the occasional friend or important email. Same with snail mail, I throw away the junk as I walk in the door and open all other mail, set aside the bills and toss the rest. It is unlikely that you will toss an important bill or notice, and it really keeps the pile under control. Mail is easy to avoid if bills stress you out, this is why I have always tried to tackle the worst jobs first as they are never as bad as I have built them up to be in my head. if I feel overwhelmed, I can always take a break, let my brain process it for a while and then get back to it
Thanks for posting this stuff. We all have messy parts of our life we would like to tackle, but get lost in the "mess"!