The apartment looked fine with the exception of some clutter which she was already in the process of decluttering by throwing out.  

Maybe making it a pro only perk would declutter the main page

I am trying to declutter my files.

I've gone through the extreme decluttering process for retirement and couldn't be happier.

Cleaning, decluttering, and staging will help tremendously.

It was part of an effort to declutter my financial life.Now let's hear what @Steve Vaughan has to say about credit cards. 

-declutter the self doubt and defeatist talk that is going on in your mind every hour of the day.This is going in and reading positive books, showing a positive outlook for situations that come along, and seeking positive people to be around.

It seems a key component is selling your personal residence for 399k.From the pictures it is clear you need to declutter and take personal pictures and items out of there.When the property is staged you are sending the message that you have mentally moved out of the house.If you have a bunch of stuff there it will seem to a buyer you have it listed but are not ready to move on.Also the buyer will have a hard time envisioning themselves and their memories there and will be focused and amused by your STUFF.What are the recent SOLDS for the area?

You would need to declutter any that you wanted to use as a VRBO or Airbnb.

Are they helping to declutter or stage?