Reminders

IRS/state won't demand gift cards, click links, or threaten arrests.

Screenshot receipts immediately and name them clearly for future HSA withdrawals.

Walk-and-talk video of each room for insurance claims.

List every balance, APR, and minimum—then circle the target.

Align due dates with cash flow to reduce late fees and stress.

Opt out where possible and set low-balance alerts instead.

Assign refunds to goals or start saving for a bill—before April.

Lock access unless you're applying for credit soon.

Only buy what you're replacing—not "deals" you don't need.

Walk your deck and secure any loose or lifted fasteners.

Clear lint, spills, and clutter where you wash everything else.

Open hose bibs and look for leaks or cracks before spring.

Clear mold, grime, and grit so your windows slide like new.

Check for wet, flattened, or pest-damaged insulation in your attic.

Test every detector and check venting before CO builds up.

Walk your fence line slowly and test each post for hidden weakness.

Check for stains, damp insulation, and blocked vents.

Give your bed a true reset by washing the mattress protector that quietly catches sweat, dust, and spills all year long.

Create a small savings buffer specifically for unexpected pet expenses.