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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
09
Nov
Eliminate unnecessary expenses
Cut out spending that doesn’t add value so you can put that money towards goals that do.
What you will need
- Bank or credit card statements
- Budgeting app or spreadsheet
- List of recurring subscriptions
Steps to follow
- Review the last two months of transactions.
- Highlight recurring charges and impulse purchases.
- Ask yourself if each expense adds value or joy.
- Cancel or downgrade services you rarely use.
- Redirect that money to savings or debt repayment.
Benefits
Free up cash
Redirect $20–$100/month toward savings.
Reduce waste
Pay only for what you truly use.
Simplify budgeting
Fewer expenses make tracking easier.
09
Nov
Back up important financial files
Keep your financial documents safe by storing both digital and paper copies securely.
What you will need
- Cloud storage (Google Drive, Dropbox, or iCloud)
- External hard drive or USB
- Fireproof or locking file box
- Folder labels
Steps to follow
- Gather your essential documents (tax returns, insurance policies, loan papers).
- Scan or photograph each and upload to a secure cloud folder.
- Store paper copies in a fireproof box or locked drawer.
- Label folders clearly for quick access.
Benefits
Prevent loss
Protects against damage, theft, or system crashes.
Save time
Easy access during taxes or emergencies.
Reduce stress
Peace of mind knowing your information is safe.
08
Nov
Share a financial win with a friend
Talk about something you’ve learned about money—it helps you and your friends grow together.
What you will need
- A recent financial win or insight (e.g., paid off a card, saved more)
- A trusted friend or family member
- Notes app or journal
Steps to follow
- Pick one small financial win or lesson you’ve had recently.
- Reach out to a friend, partner, or coworker you trust.
- Share your story and ask what they’ve learned too.
- Listen—you might discover a new idea or tip.
Benefits
Reduce stress
Talking about money makes it less intimidating.
Learn new ideas
Friends may have helpful tips or tools.
Stay accountable
Sharing progress helps you stick with goals.
07
Nov
Compare savings account interest rates
Check if your savings account is earning a fair rate—switching banks could mean free money.
What you will need
- Current bank statement or savings balance
- Comparison sites (e.g., Bankrate.com)
- Calculator
Steps to follow
- Find your current savings account interest rate.
- Visit a comparison site such as Bankrate.com to see top rates available.
- Check that new accounts are FDIC-insured and have no hidden fees.
- Open a new account if it offers a higher return.
- Transfer funds and set up automatic deposits.
Benefits
Earn more interest
Higher rates mean your money grows faster.
Avoid lazy cash
Don’t let your savings sit idle.
Stay up to date
Regular check-ins ensure your money works for you.
06
Nov
Consider a cashback credit card
Use a cashback or rewards card wisely to earn on purchases you already make—not to justify spending more.
What you will need
- Current credit card statements
- Comparison site (e.g., NerdWallet, Bankrate)
- Calculator for estimating rewards
- Credit score check (for eligibility)
Steps to follow
- Review your current spending categories (groceries, gas, streaming, etc.).
- Compare cashback cards online—look for no annual fee and high rewards on what you already buy.
- Check your credit score to ensure eligibility for good rates.
- Apply for one card that fits your lifestyle and budget.
- Use it only for planned purchases.
Benefits
Earn rewards without overspending
Get cash back on things you already buy.
Boost credit score
Responsible use builds positive history.
Simplify finances
One card for daily expenses can make tracking easier.
05
Nov
Categorize your spending
Group your expenses into clear categories to see where your money really goes.
What you will need
- Bank or credit card statements
- Budgeting app or spreadsheet
- Calculator
Steps to follow
- Review last month’s transactions.
- Label each as fixed cost, savings, investment, or guilt-free spending.
- Add totals for each category.
- Adjust if one area takes up too much of your income.
Benefits
Reveals hidden spending
Spot habits that may drain your budget.
Improves balance
Ensure savings and investments get attention.
Build control
Knowing where your money goes empowers better decisions.
04
Nov
Check your contributions to 401k and other retirement before end of year
Make sure you’re on track to maximize retirement contributions before year end.
What you will need
- Pay stubs or HR portal access
- Retirement account statements
- Calculator for contribution limits
Steps to follow
- Check how much you’ve contributed so far this year.
- Compare it to annual contribution limits ($23,500 for a 401(k) in 2025).
- If possible, increase contributions for remaining pay periods.
- Confirm you’re receiving any employer match.
- Note any changes needed for next year’s plan.
Benefits
Boost long-term growth
More contributions mean more compounding.
Reduce taxes
Traditional contributions lower taxable income.
Maximize employer match
Don’t miss free retirement money.
03
Nov
Review what you’ve donated this year
Check your charitable donations and set a giving plan for next year.
What you will need
- Donation receipts or statements
- Tax software or accountant
- Charity list for next year
Steps to follow
- Collect all donation receipts for the year.
- Total your contributions and confirm eligible tax deductions.
- Review which causes matter most to you.
- Set a monthly or quarterly giving plan for next year.
- Store digital copies of receipts for tax filing.
Benefits
Tax savings
Eligible deductions can reduce taxable income.
Simpler recordkeeping
Organizes receipts before tax season.
Consistent generosity
Budgeted giving is easier to sustain.
02
Nov
Create an emergency fund
Build a financial cushion equal to three to six months of living expenses.
What you will need
- Budget or expense tracker
- High-yield savings account
- Automatic transfer setup
Steps to follow
- Calculate three to six months of basic living expenses.
- Open a separate high-yield savings account.
- Set up automatic transfers from checking each payday.
- Start small and increase contributions over time.
- Use funds only for true emergencies.
Benefits
Avoid debt
Prevents reliance on credit cards during crises.
Peace of mind
Reduces stress when unexpected costs arise.
Build financial stability
Creates a buffer between you and uncertainty.
Home
10
Nov
Check the walkway for tripping hazards
Inspect and clear your front walkway to prevent slips, trips, and fall hazards before winter.
What you will need
- Broom or leaf blower
- Flashlight (for evening checks)
- Concrete patch or leveling compound (optional)
Steps to follow
- Sweep or blow off leaves and dirt to reveal problem areas.
- Inspect for uneven or cracked sections and mark hazards.
- Fill small cracks or dips with patching compound.
- Remove moss or slippery growth with a scrub brush or cleaner.
- Recheck after rain to ensure drainage works properly.
Benefits
Prevent injury costs
Avoid medical or liability bills ($500–$5,000).
Preserve curb appeal
Clean, level paths improve first impressions.
Avoid ice damage
Early repairs prevent costly winter cracks.
09
Nov
Add floor protectors to chairs
Add or replace felt pads on chair legs to protect your floors from scratches.
What you will need
- Adhesive felt pads or nail-on protectors
- Scissors (if trimming to size)
- Cleaning wipes
Steps to follow
- Flip chairs or stools for easier access to the legs.
- Remove worn or missing pads and clean the surface.
- Apply new protectors firmly to dry, clean legs.
- Test for stability and trim edges if needed
Benefits
Avoid floor repairs
Protects against scratches costing $300–$1,000+.
Reduce noise
Pads quiet movement across hard floors.
Cheaper than refinishing
Pads cost pennies per chair.
08
Nov
Descale the coffee maker
Clean and descale your coffee maker to keep your brews fresh and your machine efficient.
What you will need
- White vinegar or descaling solution
- Fresh water
- Replacement filter
Steps to follow
- Remove the old water filter if your model has one.
- Fill the reservoir with equal parts vinegar and water.
- Run a brew cycle, then run a rinse cycle with plain water twice.
- Install a new filter once the machine is clean.
- Wipe down the exterior and wash the coffee pot.
Benefits
Extend machine life
Prevents clogging and damage ($100–$300).
Better flavor
Clean water and pipes make smoother coffee.
Lower replacement costs
Regular cleaning delays buying a new unit.
07
Nov
Create or restock an emergency car kit
Assemble or restock your car emergency kit with cold-weather essentials.
What you will need
- Storage tote or duffel bag
- Jumper cables, flashlight, and batteries
- Blanket, gloves, water, and non-perishable snacks
Steps to follow
- Empty your current kit and discard expired or damaged items.
- Replace essentials such as batteries, food, and first aid supplies.
- Add winter items—ice scraper, extra gloves, and sand or kitty litter.
- Store the kit in your trunk or behind a seat for quick access.
Benefits
Avoid tow or hotel costs
Staying prepared can save $100–$500.
Reduce emergency risk
Keeps you safe during breakdowns or delays.
Save time
Everything’s ready when you need it most.
06
Nov
Remove window screens
Winter sunlight is limited, and dirty screens block up to 30% of natural light. Removing them brightens your rooms, protects screens from snow and wind damage, and makes cleaning easier come spring. It’s a quick seasonal switch that keeps both your screens and windows in better shape.
What you will need
- Step stool or ladder
- Soft brush or vacuum with brush attachment
- Labeling tape (optional)
Steps to follow
- Unlock and gently remove each screen from interior or exterior mounts.
- Vacuum or brush away dust and debris before storing.
- Label each screen by room to make reinstallation easier in spring.
- Stack screens upright in a dry area such as a garage or basement.
- Wipe window frames while they’re exposed.
Benefits
Protect screens
Avoid tears and winter damage ($30–$100 each).
Improve daylight
Brighter rooms reduce lighting costs.
Extend screen life
Clean, stored screens last years longer.
05
Nov
Recaulk bath or shower
Remove failing caulk and apply a fresh, waterproof bead to stop leaks and mold.
What you will need
- Caulk remover or utility knife
- Rubbing alcohol
- Painter’s tape
- Bathroom-grade silicone/paintable caulk
- Caulk gun
- Paper towels
Steps to follow
- Cut and remove old caulk and clean the joint with alcohol to dry.
- Tape both sides of the joint for a crisp line.
- Run a steady caulk bead along the seam at a slight angle.
- Tool the bead smoothly with a damp finger or tool to seal gaps.
- Remove tape and let cure per label before using the shower or tub.
Benefits
Stop water damage
Sealed seams avoid repairs of $500–$2,000.
Reduce mold costs
Fresh caulk limits remediation needs ($200–$500).
Delay retiling
Good seals extend shower life ($1,000+).
04
Nov
Wash throws, cushion covers, and blankets
Launder throws and cushion covers to freshen rooms and reduce allergens.
What you will need
- Laundry detergent and stain remover
- Mesh bags for delicate covers
- Dryer or drying rack
Steps to follow
- Check care labels and sort by color and fabric.
- Pre-treat any spots and place delicate covers in mesh bags.
- Wash on the recommended cycle and avoid high heat for delicates.
- Dry per label (low heat or air-dry) to prevent shrinkage.
- Reinstall covers and fold blankets once fully dry.
Benefits
Avoid dry-clean bills
Proper home care saves $50–$150 per season.
Extend fabric life
Gentle cycles delay replacements ($100–$500 per set).
Reduce allergens
Fewer irritants may cut cleaning/medical costs.
03
Nov
Check your smart home system
Review smart home devices, update firmware, and optimize schedules for comfort, security, and savings.
What you will need
- Phone/tablet with device apps
- Fresh batteries for sensors
- Wi-Fi analyzer (in-app or built-in)
Steps to follow
- Open each device app and install pending firmware/security updates.
- Replace low batteries in sensors, locks, and remotes.
- Review automations and schedules (away, sleep, holiday modes) and adjust for winter.
- Test cameras, doorbells, and locks to confirm alerts and remote access works.
- Check Wi-Fi strength at devices and reposition or add an extender if signals are weak.
Benefits
Cut energy waste
Smarter schedules can save $50–$150 annually.
Avoid false alarms/service calls
Healthy sensors reduce nuisance issues ($50–$150).
Protect devices
Updates improve security and extend useful life.
02
Nov
Declutter entryways and living rooms
Clear clutter in high-traffic rooms to make hosting and decorating easier.
What you will need
- Boxes/bins
- Labels and a marker
- Microfiber cloth and surface spray
Steps to follow
- Set three bins for keep, donate, and trash and start with flat surfaces.
- Sort shoes, bags, and mail and return only essentials to the entry.
- Stash seasonal items in labeled bins and move them to a closet or shelf.
- Wipe surfaces and vacuum to finish the reset.
- Drop donations the same day to avoid backsliding.
Benefits
Skip storage fees
Less clutter reduces off-site storage needs ($50–$200/month saved).
Create calm environment
Reducing clutter will make your space feel more welcoming.
Clean faster
Fewer items out means shorter daily tidy-ups.