- Today
- Holidays
- Birthdays
- Reminders
- Cities
- Atlanta
- Atlantic City
- Austin
- Baltimore
- Berwyn
- Beverly Hills
- Birmingham
- Boston
- Branson
- Brooklyn
- Buffalo
- Cambridge
- Charleston
- Charlotte
- Chicago
- Cincinnati
- Cleveland
- Columbus
- Dallas
- Denver
- Detroit
- Fort Worth
- Grand Rapids
- Greensboro
- Honolulu
- Houston
- Indianapolis
- Inglewood
- Knoxville
- Las Vegas
- Lexington
- Los Angeles
- Louisville
- Madison
- Memphis
- Miami
- Milwaukee
- Minneapolis
- Nashville
- New Orleans
- New York
- Omaha
- Orlando
- Perris
- Philadelphia
- Phoenix
- Pittsburgh
- Portland
- Raleigh
- Reno
- Richmond
- Rosemont
- Rutherford
- Sacramento
- Salt Lake City
- San Antonio
- San Diego
- San Francisco
- San Jose
- Seattle
- Solana Beach
- Tampa
- Tempe
- Tucson
- Washington
- West Hollywood
Reminders
It’s our mission to help you win every day. Our daily reminders feature helps you remember the things you need to do on the days you need to do it.
Finance
27
Jan
Review your travel insurance needs
Check whether your travel insurance provides enough protection, especially for medical care abroad.
What you will need
- Travel insurance policy or credit card benefits
- Travel itinerary
- Insurance provider contact info
Steps to follow
- Review current travel insurance or credit card coverage.
- Confirm medical coverage limits for international travel.
- Check exclusions and claim procedures.
- Compare options if coverage is limited.
- Update or add coverage before booking trips.
Benefits
Avoid high medical bills
Coverage protects against costly emergencies.
Travel with confidence
Know you’re prepared.
Prevent overpaying
Buy only what you need.
26
Jan
Pay off your smallest balances
Focus on clearing one small balance to build momentum.
What you will need
- List of debts and balances
- Budget or extra funds
- Online payment access
Steps to follow
- List all debts from smallest balance to largest.
- Choose the smallest balance you can realistically clear.
- Continue minimum payments on other debts.
- Apply extra money to the smallest balance.
- Once paid off, roll that payment into the next debt.
Benefits
Build motivation
Quick wins encourage progress.
Simplify finances
One less bill to manage.
Increase confidence
Success fuels consistency.
25
Jan
Sell unused or unwanted items
Turn clutter into cash by selling items you no longer use.
What you will need
- Items to sell
- Online marketplace apps or local resale options
- Camera or smartphone
Steps to follow
- Walk through your home and identify unused items.
- Choose where to sell them (online, consignment, local pickup).
- Take clear photos and write simple descriptions.
- Price items realistically to sell quickly.
- Use the cash toward savings or debt goals.
Benefits
Earn extra cash
Turn unused items into money.
Reduce clutter
Create a more organized space.
Support goals
Use proceeds intentionally.
24
Jan
Pick one lingering financial task to do today
Choose one small money task you’ve been putting off and finish it now.
What you will need
- List of overdue financial tasks
- Relevant account logins or documents
- Timer
Steps to follow
- Write down a few financial tasks you’ve been avoiding.
- Choose the easiest or most time-sensitive one.
- Set a 20–30 minute timer.
- Complete the task or make meaningful progress.
- Check it off your list and note how it feels.
Benefits
Reduce mental clutter
One less thing hanging over you.
Build momentum
Small wins lead to bigger action.
Improve organization
Keeps finances up to date.
23
Jan
Make a list of skills that could increase your income
Identify skills, certifications, or training that could help you earn more.
What you will need
- Résumé
- Internet access for research
- Notes app or document
Steps to follow
- List skills you already use at work or on side projects.
- Identify gaps that could increase your value or pay.
- Research courses, certifications, or training options.
- Note costs, time commitment, and potential payoff.
- Choose one skill to explore further this year.
Benefits
Increase earning potential
Skills open doors to higher pay.
Improve job security
Staying relevant protects income.
Create options
More skills mean more flexibility.
22
Jan
Consider paying one bill early this month to build a small cushion
Pay one bill ahead of schedule to create breathing room in your budget.
What you will need
- List of monthly bill
- Online banking access
- Current account balance
Steps to follow
- Review your bills and choose one you can pay early.
- Confirm the early payment won’t cause cash-flow issues elsewhere.
- Make the payment and note the new “paid-through” date.
- Track the cushion you’ve created in your budget or notes.
- If possible, repeat with another bill later in the year.
Benefits
Reduce stress
A buffer makes surprises easier to handle.
Improve cash flow
More flexibility month to month.
Build confidence
Being ahead feels empowering.
21
Jan
Check your coverage for benefits you didn’t know were included
Review your insurance policies to see what benefits you may already have but aren’t using.
What you will need
- Insurance policy summary or benefits guide
- Insurer website or app
- Customer service contact information
Steps to follow
- Log in to your insurance portal or find your plan’s summary of benefits.
- Scan sections related to mental health, preventive care, and wellness services.
- Note any services with low or no out-of-pocket cost.
- Call or chat with your insurer to clarify anything unclear.
- Save a short list of benefits you may want to use this year.
Benefits
Get more value
Use benefits you’re already paying for.
Reduce out-of-pocket costs
Covered services cost less than expected.
Support well-being
Easier access to care improves quality of life.
20
Jan
Automate your savings
Set up automatic transfers so saving happens consistently without extra effort.
What you will need
- Online banking or investment account access
- Checking and savings or investment accounts
- Calendar reminder for review
Steps to follow
- Log in to your bank or investment account.
- Choose a transfer amount that fits your budget, even $10–$50 works.
- Schedule transfers for payday or shortly after.
- Confirm transfers are recurring.
- Review amounts every few months and increase when possible.
Benefits
Build consistency
Saving happens automatically.
Grow money faster
Regular contributions benefit from compounding.
Reduce decision fatigue
No need to remember each month.
19
Jan
Establish impulse-buy rules
Set simple rules that help you pause before unplanned purchases.
What you will need
- Notes app
- Budget
Steps to follow
- Decide on a dollar limit that triggers a pause.
- Set a waiting rule (24 hours or overnight).
- Agree on when to check in with a spouse or partner.
- Write the rules down so they’re clear.
- Review and adjust if needed.
Benefits
Reduce regret
Fewer emotional purchases.
Protect savings
Money stays aligned with goals.
Build self-control
Clear rules make decisions easier.
Lifestyle
27
Jan
Clean behind large appliances
Remove dust behind large appliances to improve efficiency and safety, as well as refresh your home.
What you will need
- Vacuum with crevice tool
- Broom
- Gloves
Steps to follow
- Pull appliances away from the wall carefully.
- Vacuum dust and debris behind and underneath them.
- Wipe surfaces if needed.
- Return appliances to position safely.
Benefits
Improve appliance efficiency
Cleaner airflow reduces energy waste.
Reduce fire risk
Dust buildup can ignite near motors.
Avoid repairs
Prevents overheating-related failures ($200–$600).
26
Jan
Vacuum your sofa
Vacuum your sofa to remove dust, crumbs, and allergens.
What you will need
- Vacuum with upholstery attachment
Steps to follow
- Remove cushions completely.
- Vacuum all surfaces and seams.
- Clean under cushions and frame edges.
- Replace cushions neatly.
Benefits
Extend upholstery life
Reduces fabric wear and replacement costs ($500+).
Improve air quality
Removes trapped allergens.
Reduce odors
Less buildup means fewer smells.
25
Jan
Replace shower curtain liner to prevent mildew and odors
Swap out old shower curtain liners to reduce mildew and bathroom odors.
What you will need
- New shower curtain liner
- Curtain hooks (if needed)
Steps to follow
- Remove and discard the old liner.
- Clean the tub edge and hooks.
- Hang the new liner evenly.
- Leave the liner extended after showers to dry.
Benefits
Avoid mold issues
Prevents cleanup costs of $100–$300.
Improve hygiene
Reduces bacteria and mildew exposure.
Quick refresh
It's a low-cost update that improves your bathroom comfort.
24
Jan
Tighten screws on dining chairs used heavily over the holidays
Tighten loose dining chair screws to restore stability and prevent damage.
What you will need
- Screwdriver or Allen key
- Wood glue (optional for loose joints)
Steps to follow
- Turn chairs upside down to inspect joints.
- Tighten all visible screws and bolts.
- Add wood glue if joints feel loose.
- Test stability before returning chairs to use.
Benefits
Prevent furniture failure
Avoid replacements costing $100–$400 per chair.
Improve safety
Stable chairs reduce fall risk.
Extend furniture life
Routine tightening preserves structure.
23
Jan
Run a dehumidifier in damp rooms to prevent winter mildew
Use a dehumidifier to control moisture and prevent winter mildew indoors.
What you will need
- Dehumidifier
- Hygrometer (optional)
Steps to follow
- Place the dehumidifier in the dampest room.
- Set humidity to 40–50%.
- Empty the water tank regularly.
- Check walls and corners for moisture reduction.
- Run daily during cold snaps.
Benefits
Prevent mold cleanup
Reduces remediation costs of $300–$1,500.
Protect finishes
Less moisture means less paint and drywall damage.
Improve air quality
Drier air discourages allergens and odors.
22
Jan
Check for drafts around outlets on exterior walls and install foam gaskets
Seal drafts around outlets to keep cold air out and warm air in.
What you will need
- Foam outlet gaskets
- Screwdriver
- Flashlight
Steps to follow
- Turn off power to the outlet at the breaker.
- Remove the outlet cover plate.
- Insert the foam gasket around the outlet.
- Reattach the cover plate securely.
- Repeat for exterior-wall outlets.
Benefits
Reduce heating costs
Sealing drafts can save $30–$100 per year.
Improve comfort
Fewer cold spots near walls and floors.
Support insulation efficiency
Prevents warm air from escaping through gaps.
21
Jan
Clean and calibrate your speakers or soundbar
Clean and recalibrate your speakers or soundbar to restore clear sound quality.
What you will need
- Microfiber cloth
- Vacuum with brush attachment
- Speaker or TV audio settings menu
Steps to follow
- Power off and unplug speakers or soundbar.
- Vacuum or wipe speaker grilles to remove dust.
- Check cable connections for looseness.
- Run built-in calibration or adjust audio settings for room size.
- Test sound with music or dialogue-heavy content.
Benefits
Improve sound performance
Cleaner speakers deliver clearer audio without distortion.
Avoid early replacement
Reduced strain helps delay upgrades costing $200–$800.
Enhance entertainment value
Better sound improves everyday TV and music use.
20
Jan
Inspect your house for rodents
Check attic and basement areas for signs of rodents before infestations grow.
What you will need
- Flashlight
- Gloves
- Notepad
Steps to follow
- Inspect attic and basement corners.
- Look for droppings, chewed wires, or nesting.
- Seal small entry points you notice.
- Document problem areas.
- Call pest control if signs persist.
Benefits
Avoid extermination costs
Early detection saves $200–$500.
Protect wiring
Prevent electrical damage and fire risk.
Reduce contamination
Limits cleanup and repair expenses.
19
Jan
Run a sanitize cycle on your washing machine
Use your washer’s sanitize cycle to reduce winter odors and bacteria.
What you will need
- Washing machine cleaner or detergent
Steps to follow
- Empty the washer completely.
- Add cleaner or detergent.
- Select the sanitize cycle.
- Let the cycle finish fully.
- Leave the door open to air-dry.
Benefits
Prevent odor buildup
Avoid repeat washes and detergent waste.
Extend machine life
Cleaner internals reduce wear.
Protect clothing
Less residue means better fabric care.
Pets
12
Jan
Set up a pet emergency fund
Create a small savings buffer specifically for unexpected pet expenses.
What you will need
- Savings account or labeled sub-account
- Monthly budget
- Automatic transfer setup
Steps to follow
- Decide on an initial goal, such as $300–$500.
- Open a separate savings account labeled “Pet Emergency Fund.”
- Set up an automatic monthly transfer, even $10–$25 helps.
- Add to the fund when possible (tax refunds, bonuses).
- Use it only for true pet emergencies.
Benefits
Avoid debt
Covers vet bills without credit cards.
Reduce stress
Emergencies feel more manageable.
Protect your budget
Keeps unexpected costs from derailing plans.