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

18 Feb
Taxes

Estimate your refund/bill and give it a job

Time to complete: 20 min

Difficulty: Easy

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

What you will need

  • Tax software or calculator
  • Budget notes
  • Bank transfer setup

Steps to follow

  1. Use tax software to estimate refund or bill.
  2. Assign refund percentages to goals (debt/savings/fun).
  3. Or set weekly transfers to cover a bill.
  4. Schedule the first transfer now.
  5. Put April 15 reminder on calendar.

Benefits

Better goals

Refunds become intentional tools.

No stress

Bills are covered before they're due.

Faster momentum

Start progress today, not in April.

17 Feb
Banking

Turn off overdraft courtesy and set low-balance alerts

Time to complete: 20 min

Difficulty: Easy

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

What you will need

  • Bank app or website
  • Phone
  • Savings account (optional)

Steps to follow

  1. Log into your bank and find overdraft settings.
  2. Opt out of overdraft "courtesy" where possible.
  3. Set low-balance alert at $50 or $100.
  4. Link savings as backup transfer (if available).
  5. Test alert with a small transfer.

Benefits

Save on fees

Avoid $35+ overdraft charges.

Better awareness

Alerts help you act fast.

More control

Declined beats surprise debt.

17 Feb
Credit Cards

Freeze your credit

Time to complete: 45 min

Difficulty: Medium

Lock access unless you're applying for credit soon.

What you will need

  • Password manager
  • Email for confirmations

Steps to follow

  1. Freeze at Equifax.com/personal/credit-report-services.
  2. Freeze at Experian.com/freeze/center.html.
  3. Freeze at TransUnion.com/credit-freeze.
  4. Save PINs in your password manager.
  5. Unfreeze temporarily when needed.

Benefits

Stop identity theft

Prevents fraudulent accounts

No cost

Freezes are free by law

Full control

You decide when to unlock

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.

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.

15 Feb
Landscaping

Inspect fence posts for winter damage

Time to complete: 25 min

Difficulty: Easy

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

What you will need

  • Work gloves
  • Notepad or phone for notes
  • Marker or flagging tape for problem spots

Steps to follow

  1. Walk the entire fence line slowly, watching for leaning or sagging sections.
  2. At each post, give it a firm shake to see if it moves more than an inch or feels soft at the base.
  3. Check for rot, insect damage, or loose and rusted hardware where rails meet posts.
  4. Mark any weak or leaning posts so you can repair or call a pro once you finish.
  5. Prioritize fixing worst spots first so wind or pets don't knock the fence down.

Benefits

Structural safety

Fixes rot early, prevents collapse injuries/liability.

Curb appeal boost

Sturdy fence raises property value $1,000+.

Cost savings

Avoids full replacement at $50-100 per post.

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.

14 Feb
Home Repair

Lubricate squeaky door hinges and locks

Time to complete: 20 min

Difficulty: Easy

Quiet noisy doors and protect hardware with the right lubricant.

What you will need

  • Silicone spray or dry lubricant
  • Graphite or lock‑safe lubricant
  • Rag or paper towel

Steps to follow

  1. Identify doors that squeak or drag.
  2. Spray a small amount of lubricant on hinge pins.
  3. Open and close doors several times to distribute.
  4. Add lock‑safe lube to sticky keyholes.
  5. Wipe away any excess to prevent drips.

Benefits

Quiet peaceful home

Silences noise, enhances comfort instantly.

Prevent wear

Lube stops rust, extends hardware 5+ years.

Easier security

Smooth locks ensure quick access in emergencies.

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.

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.