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

16 Feb
Spending

Build a Presidents Day sale list

Time to complete: 20 min

Difficulty: Easy

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

What you will need

  • Notes app
  • Old item photos
  • Screenshot tool

Steps to follow

  1. Write a replace-only list of items you need.
  2. Price-check and screenshot current prices.
  3. Set 24-hour wait rule for anything else.
  4. Shop the list only (no browsing).
  5. Save receipts and return windows.

Benefits

Avoid impulse debt

Stick to real needs.

Better prices

Screenshots verify "deals".

Less clutter

Replace, don't accumulate.

15 Feb
Insurance

Check your health plan deductible and what you can do free

Time to complete: 25 min

Difficulty: Medium

Note your deductible progress and find free preventive services.

What you will need

  • Insurance card
  • Member portal login
  • Preventive-services list

Steps to follow

  1. Log into your health plan member portal.
  2. Find your deductible and current spending.
  3. Download the preventive-services list.
  4. Identify 1–2 free services you haven't used.
  5. Save customer-service chat or notes.

Benefits

Save money

Use free covered services.

Track spending

Know where you stand early.

Better planning

Budget remaining deductible needs.

14 Feb
Budgeting

Set a Valentine’s budget you can pay in cash

Time to complete: 15 min

Difficulty: Easy

Pick a hard cap before you go out, then make it romantic, not expensive.

What you will need

  • Spending cap number
  • Notes app
  • Plan for gift/experience

Steps to follow

  1. Set a total cap you can pay today.
  2. Split cap into gift vs experience.
  3. Decide what you’re doing before you leave home.
  4. Use cash/debit to stay honest.
  5. Skip add-ons that break the cap.

Benefits

No regret

Avoid post-holiday credit card stress.

Better choices

Spend on what matters most.

More intention

Romance without overspending.

13 Feb
Budgeting

Ask for a lower phone bill

Time to complete: 20 min

Difficulty: Easy

Use the retention/loyalty line and compare new-customer prices first.

What you will need

  • Current bill
  • Competitor prices
  • Carrier chat or phone line

Steps to follow

  1. Check competitor “new customer” pricing.
  2. Call/chat and ask for retention/loyalty rate.
  3. Request plan downgrade options if needed.
  4. Remove add-ons you don’t use.
  5. Screenshot/save the new plan confirmation.

Benefits

Instant savings

Lower monthly fixed costs.

Better budgeting

Fewer surprise bill jumps.

More control

You stop overpaying for unused features.

12 Feb
Retirement Planning

Set a plan for your 2025 IRA contribution

Time to complete: 20 min

Difficulty: Medium

Pick an amount and a date (or weekly auto-transfer) so it happens.

What you will need

  • IRA login
  • Budget number
  • Calendar reminder

Steps to follow

  1. Confirm your IRA account and bank link.
  2. Choose a contribution amount.
  3. Pick Roth vs Traditional (if eligible).
  4. Schedule a lump sum or weekly transfer.
  5. Put the plan date on your calendar.

Benefits

Momentum

Automation beats willpower.

Less pressure

No last-minute lump-sum scramble.

Future value

Earlier contributions compound longer.

11 Feb
Spending

Find one annual renewal hitting in the next 30 days

Time to complete: 15 min

Difficulty: Easy

Find one annual renewal in the next 30 days and decide: keep, cancel, or downgrade.

What you will need

  • Email search
  • App store subscriptions
  • Screenshot tool

Steps to follow

  1. Search email for “renewal” or “annual”.
  2. Check app store subscriptions and memberships.
  3. Find one renewal due within 30 days.
  4. Decide to keep, cancel, or downgrade.
  5. Screenshot confirmation and file it.

Benefits

Save money

Stop one "silent" charge.

Reduce clutter

Fewer subscriptions to manage.

No surprises

You control the billing timing.

10 Feb
Taxes

Make a list of tax forms you’re waiting on

Time to complete: 20 min

Difficulty: Easy

Track missing W-2s/1099s now so you don’t file blind.

What you will need

  • Notes app or spreadsheet
  • Last year’s return
  • Email search

Steps to follow

  1. Look at last year’s return for form types.
  2. List every W-2/1099 you expect this year.
  3. Note who sends each form (HR/bank/broker/gig).
  4. Check email and mail for each sender.
  5. Follow up today on anything missing.

Benefits

Fewer errors

Correct numbers the first time.

Faster filing

Clear your "waiting on" list.

Less anxiety

No guessing what’s still coming.

09 Feb
Taxes

Create/secure your IRS and state tax account logins

Time to complete: 30 min

Difficulty: Medium

Set up accounts now to prevent tax-identity headaches later.

What you will need

  • Computer or phone
  • Password manager
  • 2FA method

Steps to follow

  1. Create or sign in to your IRS online account.
  2. Create or sign in to your state tax account.
  3. Turn on two-factor authentication for both.
  4. Save passwords in a password manager.
  5. Store recovery codes offline and securely.

Benefits

Better security

Harder for scammers to impersonate you.

Faster filing

Access is ready when needed.

Less stress

Fix login issues before deadlines.

08 Feb
Spending

Do a pantry-first meal plan to cut grocery spend

Time to complete: 25 min

Difficulty: Easy

Shop your kitchen first and buy only what’s missing this week.

What you will need

  • Fridge and pantry inventory
  • Notes app
  • Grocery list

Steps to follow

  1. Scan fridge, freezer, and pantry to create inventory.
  2. List 5–7 items to use up first.
  3. Pick 3–4 meals built around those items.
  4. Write a “missing ingredients only” list.
  5. Stick to the list at the store.

Benefits

Lower grocery bill

Fewer impulse extras.

Less waste

Use what’s expiring.

Fewer takeout nights

Easier weeknight decisions.

Lifestyle

16 Feb
Home Renovation

Inspect attic for ice dam damage and ventilation

Time to complete: 30 min

Difficulty: Medium

Check for stains, damp insulation, and blocked vents.

What you will need

  • Flashlight or headlamp
  • Dust mask
  • Knee pads or scrap cardboard
  • Camera or phone for photos

Steps to follow

  1. Enter the attic safely and watch your step.
  2. Look for dark stains on wood near the eaves.
  3. Check insulation for damp, flat, or moldy spots.
  4. Verify soffit and roof vents aren’t blocked.
  5. Photograph problem areas to discuss with a roofer or insulation pro.

Benefits

Avoid water damage

Spots ice dams early, prevents $2,000+ interior repairs.

Improve energy efficiency

Better vent cuts heating bills 15%.

Prevent mold growth

Dry attic stops health risks from trapped moisture.

15 Feb
Interior Decorating

Wash your mattress protector today

Time to complete: 45 min

Difficulty: Easy

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

What you will need

  • Washing machine and mild detergent
  • Stain remover (if needed)
  • Laundry mesh bag for straps or zippers
  • Dryer or clothesline
  • Mattress vacuum or lint roller

Steps to follow

  1. Strip the bed and remove the mattress protector.
  2. Check the care label for wash and dry settings.
  3. Pre-treat any stains with a gentle stain remover.
  4. Wash on a gentle cycle with mild detergent.
  5. Dry on low heat or air dry to protect waterproof layers.
  6. Vacuum or lint-roll the bare mattress before remaking the bed.
  7. Put the clean, dry protector back on and add fresh sheets.

Benefits

Protect mattress investment

Blocks spills/dust, saves $500-1,000 on new mattress.

Allergy relief

Fresh protector cuts irritants by 90%, better rest.

Hygiene boost

Weekly wash kills bacteria, promotes healthier sleep.

14 Feb
Interior Decorating

Deep clean your bedroom headboard

Time to complete: 25 min

Difficulty: Easy

Deep clean your headboard where dust and skin oils hide.

What you will need

  • Vacuum with brush attachment
  • Mild soap or upholstery cleaner
  • Microfiber cloths
  • Soft brush (for tufting or seams)
  • Bucket of warm water

Steps to follow

  1. Strip all bedding off the bed so you can fully reach the headboard.
  2. Vacuum the headboard slowly, paying extra attention to seams, buttons, and crevices.
  3. Mix a mild soap solution and lightly wipe hard surfaces; spot-clean fabric per its care label.
  4. Dry with a clean cloth and let everything air out before remaking the bed.
  5. Finish by remaking the bed with fresh sheets and pillows.

Benefits

Eliminate allergens

Removes dust mites, improving sleep quality and health.

Prevent fabric damage

Stops stains spreading, extends life by more than two years.

Fresher bedroom air

Reduces odors, creates relaxing space without chemicals.

13 Feb
Gardening

Sharpen lawn mower blades now

Time to complete: 30 min

Difficulty: Medium

Sharpen dull mower blades now for cleaner cuts and a healthier lawn.

What you will need

  • Safety gloves
  • Safety glasses
  • Wrench or socket set
  • Blade clamp or scrap wood
  • Metal file or sharpening tool
  • Hook or nail for balance test

Steps to follow

  1. Unplug the mower or disconnect the spark plug before you touch the blade.
  2. Tip the mower safely and remove the blade with a wrench or socket.
  3. Clamp the blade and sharpen each edge with a file, following the original angle.
  4. Hang the blade on a nail to check balance, filing the heavier side until it hangs level.
  5. Reinstall the blade securely, reconnect power, and test-run for smooth operation.

Benefits

Healthier lawn growth

Clean cuts prevent tears, reducing disease by 30%.

Fuel and time savings

Sharp blades cut mowing time 20%, save gas costs.

Extend mower life

Less strain on engine avoids $150 tune-ups.

12 Feb
Home Repair

Adjust cabinet door hinges and catches

Time to complete: 20 min

Difficulty: Easy

Realign cabinet doors so they close straight and clean.

What you will need

  • Screwdriver (Phillips or flathead)
  • Small level (optional)

Steps to follow

  1. Open each cabinet and look for crooked or rubbing doors.
  2. Locate the adjustment screws on the hinge body.
  3. Turn screws to nudge the door up/down and left/right.
  4. Close and reopen to check the reveal and closure.
  5. Tighten mounting screws if the hinge feels loose.

Benefits

Restore smooth operation

Tight hinges eliminate sagging doors, improving kitchen flow.

Boost home appeal

Neat cabinets add value, impress buyers for $500+ resale gain.

Prevent further damage

Fixes stop wood wear, saving $200 in door replacements.

11 Feb
Interior Decorating

Organize tangled utility drawer

Time to complete: 25 min

Difficulty: Easy

Turn that overstuffed drawer of cords, tape, and tools into a neat, grab-what-you-need station in under half an hour.

What you will need

  • Small bins or trays
  • Zip-lock bags or cable ties
  • Label maker or masking tape and pen
  • Trash bag and recycling bin
  • Microfiber cloth or wipes

Steps to follow

  1. Empty the entire drawer onto a counter.
  2. Toss obvious trash and set recycling aside.
  3. Group similar items together: cords, tools, office supplies, batteries, etc.
  4. Test and label cords or chargers you plan to keep.
  5. Place groups into small bins, bags, or dividers in the drawer.
  6. Label each section so everyone knows where things go back.

Benefits

Save time daily

Find tools instantly, cutting search time from minutes to seconds.

Reduce accidents

No more tangled cords or loose knives; safer for family use.

Extend tool lifespan

Proper storage prevents damage, avoiding $50-100 replacements yearly.

10 Feb
Home Repair

Inspect chimney for winter damage

Time to complete: 15 min

Difficulty: Easy

Spot cracks, leaning, or creosote before they become a fire hazard.

What you will need

  • Flashlight or headlamp
  • Binoculars (optional)
  • Notepad or phone for photos

Steps to follow

  1. Walk safely around your home and look up at the chimney from every side.
  2. Use a flashlight or binoculars to check for cracks, missing bricks, or leaning sections.
  3. Look for dark, flaky creosote around the cap or stains on the exterior.
  4. Note any damage and schedule a certified sweep if something looks off.
  5. Checking now reduces fire risk and lets you fix problems before they spread.

Benefits

Prevent chimney fires

Creosote buildup from winter use ignites easily; inspection clears risks, avoids $1,000+ repairs.

Improve heating efficiency

Clear blockages ensure better draft, reducing fuel use by 10-20%.

Extend chimney life

Early fixes prevent cracks from freeze-thaw cycles, saving replacement costs.

09 Feb
Appliances

Deep clean oven and stovetop

Time to complete: 50 min

Difficulty: Medium

Evict burnt cheese and grease so tonight’s pizza doesn’t smoke.

What you will need

  • Oven cleaner or baking soda paste
  • Scrub sponge or brush
  • Dish soap
  • Trash bag or old towels for racks

Steps to follow

  1. Remove oven racks and soak them in hot soapy water.
  2. Wipe out loose crumbs from the oven floor.
  3. Apply oven cleaner or baking soda paste to baked‑on spots.
  4. Scrub stovetop grates, burners, and drip pans.
  5. Wipe everything down and dry before turning the oven back on.

Benefits

Extends appliance life

Evens out baking and roasting.

Prevent smoky kitchens

Reduces smoke and burnt smells.

Avoid home disaster

Prevents grease buildup from becoming a fire risk.

08 Feb
Appliances

Inspect washing machine hoses for cracks

Time to complete: 20 min

Difficulty: Easy

Check for bulges, cracks, and loose connections before they burst.

What you will need

  • Flashlight
  • Old towel
  • Replacement hoses (ideally braided stainless)

Steps to follow

  1. Unplug the washer and pull it out slightly from the wall.
  2. Inspect hot and cold hoses from faucet to machine.
  3. Look for bulges, cracks, rust, or dampness.
  4. Tighten any slightly loose connections.
  5. Schedule replacement if hoses are old or damaged

Benefits

Quick visual check with big payoff

Reduces risk of sudden flooding

Encourages timely hose upgrades

Helps you spot small leaks early.

Prevent costly home repairs

Extends the life of surrounding floors and walls.

Pets

12 Jan
Pet Health

Set up a pet emergency fund

Time to complete: 30 min

Difficulty: Easy

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

  1. Decide on an initial goal, such as $300–$500.
  2. Open a separate savings account labeled “Pet Emergency Fund.”
  3. Set up an automatic monthly transfer, even $10–$25 helps.
  4. Add to the fund when possible (tax refunds, bonuses).
  5. 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.