A Very Extra To-Do List: Here’s How I’m Spring-Cleaning My Finances

By Jeanine Skowronski

Ah, spring. The time of year where we clean out our closets, work on our fitness and, of course, spit-shine our finances. Here’s the thing about spring-cleaning financial to-do lists, though: They are real pie in the sky — and almost always about stuff you should do regularly anyway.

“Check credit score.” “Review budget.” “Pay yourself first.”

How do I know? I’ve written one or two (or three) of them. So, this year, to inspire myself to actually get some financial spring-cleaning done, I’m getting real granular.

Here’s my list of “annoying money stuff I just can’t seem to bring myself to do.” Hopefully, it generates some ideas for yours.

  1. Transfer 401(k) from old employer to my personal individual retirement account.
  2. Change tax-withholding because of GOP tax plan.
  3. Sign up for e-statements from all my banks and credit card issuers so they stop sending paper statements to my mom’s house.
  4. Tell all my bank and credit card companies I no longer live at my mom’s house.
  5. Delete all the personal finance apps I tried valiantly, but failed to use (#xennial4ever).
  6. Get disability insurance quotes because I have a house now and how am I gonna pay my mortgage if I get sick?
  7. Close low-rewards credit card before I get hit with its $95 annual fee … again.*
  8. Make newish husband the beneficiary on my retirement accounts. (I did remember to make him my life insurance beneficiary after we got married in October.)
  9. Put my cell phone number on The National Do Not Call Registry so maybe scammers in Colorado stop calling me.
  10. Make husband do the same.
  11. Set dog food for my new dog to auto-ship when the cat food for my cats does.
  12. Cancel UFC Fight Pass because we stopped watching fights, like, eight months ago.
  13. Cancel renters insurance because I have homeowners insurance now. (I didn’t know that policy would auto-renew!)
  14. Convert to annual Amazon Prime membership now that the monthly price has gone up.

*Sorry, the nerd in me has to explain this: Closing credit cards can hurt your credit score. But if you’ve got other cards and/or low-to-no balances, it’s sometimes the right thing to do. I don’t use this card, mostly because I get better rewards on my others ones, but I’ve paid this stupid fee for the past few years simply because I keep forgetting to cancel.

This article originally appeared on Policygenius.
Image: Maksymowicz

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