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.
Automotive
22
Oct
Check wiper blades and replace if necessary
Inspect your wiper blades and swap them if streaking or cracked for safer driving.
What you will need
- Replacement wiper blades (correct size)
- Owner’s manual
Steps to follow
- Lift the wiper arms away from the windshield.
- Release the old blade by pressing the tab or latch.
- Slide the new blade into place until it clicks.
- Lower the wiper arm gently back onto the glass.
- Test with washer fluid to confirm smooth wiping.
Benefits
Avoid accidents
Better visibility reduces collision risk and repair costs.
Save on glass damage
Fresh blades prevent scratches on windshields ($200–$500 repair).
Cost-effective maintenance
Blades cost $20–$50, far less than potential damage.
17
Oct
Have your car battery checked by a mechanic
Test your car battery to avoid getting stranded with a dead engine.
Steps to follow
- Schedule a quick visit to a mechanic or auto parts store for a battery check.
- Have them test voltage and cold cranking amps to measure health.
- Replace the battery if readings are weak or it’s more than 3–5 years old.
- Ask about terminal cleaning to improve connections.
- Keep records of the test and replacement date for future checks.
Benefits
Avoid towing fees
Catching battery failure early prevents breakdowns ($100–$300).
Protect electrical system
Healthy batteries prevent starter/alternator stress ($300–$800 repairs).
Extend battery life
Regular checks can squeeze out extra months of use ($100–$200 saved).
29
Sep
Check your car’s heater and defroster
Test your heater and defroster before cold weather to ensure clear windows and cabin heat.
What you will need
- Owner’s manual (HVAC/defrost settings)
- Flashlight (for quick cabin filter check)
Steps to follow
- Start the car and switch to Heat/Defrost with the fan on medium-high.
- Confirm warm air at all vents within a few minutes and watch the windshield clear.
- Cycle through modes and speeds to ensure the blower and blend doors respond.
- Check/replace the cabin air filter if airflow is weak or musty.
- Book service if heat is lukewarm, airflow is poor, or the defroster is slow.
Benefits
Prevent costly repairs
Early fixes can avoid heater core/blower issues ($300–$1,000).
Reduce towing/roadside costs
Fewer cold-weather breakdowns ($100–$300).
Protect visibility
A strong defroster helps avoid damage and insurance deductibles.
27
Sep
Inspect your child’s car seat for any defects
Inspect and register your child’s car seat to catch defects and receive free recall repairs.
What you will need
- Car seat manual (paper or online)
- Good lighting/flashlight
- Seat label info (model, DOM, serial)
- Smartphone/computer (manufacturer registration page)
Steps to follow
- Check the shell and base for cracks, stress lines, or loose hardware.
- Inspect straps and buckles for fraying, cuts, stiffness, or sticking latches.
- Verify all parts are present (chest clip, padding, anchors) and the seat isn’t past expiration.
- Record model/serial details from the label and register on the manufacturer’s website.
Benefits
Free recall fixes
Registration gets you no-cost repairs or parts, avoiding $20–$100 out-of-pocket.
Avoid full replacement
Early issue detection can prevent buying a new seat ($100–$300).
Reduce ticket risks
A compliant, intact seat helps avoid fines or re-inspection costs ($25–$200, locality-dependent).
29
Aug
Check your car’s oil and coolant levels
Check oil and coolant levels in your car to prevent overheating and engine damage.
What you will need
- Paper towels or rags
- Funnel (if topping up)
- Engine oil (correct grade)
- Coolant (pre-mixed or diluted as recommended)
Steps to follow
- Park on level ground and turn off engine. Wait 10-15 minutes for oil to settle back into the oil pan.
- Locate the oil dipstick (usually has a yellow or orange handle) and pull it out completely.
- Clean dipstick with cloth, reinsert fully, then pull out again to check oil level against minimum and maximum marks.
- Find the coolant reservoir tank (translucent plastic container near radiator) and check fluid level against minimum/maximum marks.
- Check coolant color - it should be clear green, orange, or pink depending on type. Brown or rusty coolant needs replacement.
- Add appropriate fluids if levels are below minimum marks, but do not overfill.
Benefits
No roadside assistance costs
Avoids roadside breakdown costs ($100–$300 towing fees)
Keeps engine running longer
Extends engine life through proper lubrication and cooling
No pricey engine repairs
Prevents engine repairs that can cost $2,000–$5,000
21
Aug
Inspect car’s radiator and hoses for any cracks or leaks
Check radiator and cooling system hoses for cracks, leaks, or bulges that could cause overheating and engine damage.
What you will need
- Flashlight
- Gloves
- Paper towels (to check for leaks)
Steps to follow
- Allow the engine to cool completely before inspection - hot coolant can cause severe burns.
- Open hood and locate upper radiator hose (connects radiator top to engine) and lower hose (connects radiator bottom to water pump).
- Examine hose surfaces for cracks, bulges, or soft spots by gently squeezing along entire length.
- Check hose clamps at both ends for tightness and corrosion - loose clamps cause leaks.
- Look for coolant stains, crusty deposits, or wet spots around radiator, hoses, and engine connections.
- Inspect radiator fins for damage, blockage, or bent sections that reduce cooling efficiency.
Benefits
Don't pay for engine repairs
Prevents engine overheating repairs that can cost $2,000–$4,000
Prevent breakdowns
Avoids roadside breakdowns and towing fees ($100–$300)
Avoid replacement expenses
Extends radiator and hose lifespan, reducing replacement costs ($150–$450)
12
Aug
Check your car tire pressure and tread depth
Check tire pressure and tread depth to improve safety and fuel efficiency.
What you will need
- Tire pressure gauge
- Air pump or gas station air hose
- Tread depth gauge or penny
Steps to follow
- Check tire pressure when tires are cold, preferably before driving or after sitting for several hours.
- Remove valve cap and press tire gauge firmly onto valve stem to get accurate pressure reading.
- Compare reading to recommended pressure found on driver's door jamb sticker or owner's manual.
- Add air if pressure is low, or release air if over-inflated to match manufacturer specifications.
- Insert penny into tire tread with Lincoln's head down - if you can see his entire head, tires need replacement.
- Check all four tires plus spare tire for consistent pressure and tread wear patterns.
Benefits
More miles for your buck
Improves fuel economy by 3%, saving more than $100 annually in gas costs
Avoid replacement costs
Extends tire life preventing premature $400–$1,000 tire replacement costs
Improved safety
Prevents accidents from blowouts or loss of traction that could result in thousands in damages
Finance
23
Oct
Reset your online banking passwords
Update your online banking passwords to improve security.
What you will need
- Bank login credentials
- Secure password manager
- Personal device with internet
Steps to follow
- Log into your bank’s website or app.
- Go to account settings and select “change password.”
- Create a strong password with letters, numbers, and symbols.
- Save it securely in a password manager.
- Enable two-factor authentication if available.
- Log out and test your new login.
Benefits
Stronger security
Prevents account takeovers and fraud.
Peace of mind
Reduces worry about stolen credentials.
Protect savings
Safeguards funds from unauthorized access.
22
Oct
Create a grocery list to avoid impulse buys
Plan meals and make a grocery list to avoid unplanned purchases.
What you will need
- Notepad or grocery app
- Weekly meal plan
- Pantry and fridge check
Steps to follow
- Review your pantry and fridge for what you already have.
- Plan meals for the week, including snacks.
- Write down only what you need to complete those meals.
- Organize the list by store sections (produce, dairy, frozen).
- Stick to the list while shopping.
- Save receipts to track food spending.
Benefits
Save at checkout
Avoiding impulse buys can save $20–$50 per trip.
Reduce food waste
Using what you buy prevents $50–$100/month in waste.
Save time
A list makes grocery runs faster and easier.
21
Oct
Review utility bills and find opportunities to save
Check your utility bills for errors, overcharges, or ways to reduce usage.
What you will need
- Latest utility bills (electricity, gas, water, internet)
- Calculator or spreadsheet
- Provider customer service contacts
Steps to follow
- Gather the last three to six months of utility bills.
- Compare costs and note unusual spikes.
- Check for errors, duplicate fees, or outdated plans.
- Call providers to ask about discounts or lower-rate plans.
- Implement energy-saving changes (LED bulbs, thermostat settings).
Benefits
Cut monthly costs
Reducing utilities by $20/month saves $240/year.
Prevent overcharges
Catching billing errors can recover $50–$200.
Lower long-term expenses
Efficiency upgrades reduce ongoing costs.
20
Oct
Renegotiate your phone bill
Call your provider to ask for discounts, lower plans, or promotions.
What you will need
- Current phone bill
- Competitor plan pricing
- Provider customer service number
Steps to follow
- Review your current monthly charges.
- Compare competitor offers online.
- Call your provider and mention competitor deals.
- Ask about loyalty discounts or lower-cost plans.
- Negotiate politely but firmly.
- Confirm new rates and monitor your next bill.
Benefits
Monthly savings
Discounts often reduce bills by $10–$30/month.
Annual impact
$20 saved monthly adds up to $240/year.
Better value
New plans may include more data or features.
19
Oct
Research one key investing concept and how it affects your future wealth
Pick one investing concept and learn how it affects your finances.
What you will need
- Internet access
- Trusted finance site/book
- Notebook or app
Steps to follow
- Select a concept (e.g., diversification).
- Research on Investopedia or a trusted site.
- Read or watch a short explainer.
- Write down how it applies to your goals.
- Discuss with a friend to reinforce learning.
- Apply the idea in your savings or investing strategy.
Benefits
Grow your wealth smarter
Avoid costly mistakes.
Build confidence
Lowers fear of investing.
Long-term impact
Small changes can yield $1,000s in returns.
18
Oct
Review your fall finances
Fall is the right time to reassess finances before holiday spending. Reviewing now lets you adjust budgets and savings goals. It also helps with tax planning before deadlines. A fall checkup ensures a smoother year-end.
What you will need
- Bank statements
- Budgeting spreadsheet/app
- List of holiday expenses
Steps to follow
- Collect recent income and expense records.
- Compare spending against your budget.
- Review savings progress.
- Check debts and payoff plans.
- Adjust before holiday spending starts.
- Note any tax planning steps.
Benefits
Avoid overspending
Prepares you for holiday costs.
Meet goals
Catch up before year-end.
Improve tax planning
Adjust withholdings early.
17
Oct
Create a log of all debts you owe to friends
Write down personal debts to friends or family to stay accountable.
What you will need
- Notebook or spreadsheet
- Payment apps (Venmo, Zelle, PayPal)
- Contact list
Steps to follow
- List all outstanding personal debts.
- Confirm amounts with friends if unsure.
- Record repayment dates and terms.
- Prioritize by amount or urgency.
- Pay using apps or cash.
- Mark debts as paid.
Benefits
Protect relationships
Prevents misunderstandings with friends.
Stay organized
Keeps small debts from being forgotten.
Build trust
Timely repayment strengthens bonds.
16
Oct
Review your credit score and note any inaccuracies
Check your credit score and correct errors in your report.
What you will need
- AnnualCreditReport.com login
- Personal ID
- Notebook for tracking disputes
Steps to follow
- Visit AnnualCreditReport.com for free reports.
- Download reports from all three bureaus (Equifax, Experian, TransUnion).
- Review accounts, payment history, and inquiries.
- Highlight any mistakes or unfamiliar accounts.
- File disputes online with supporting documents.
- Check updates within 30–45 days.
Benefits
Save on loans
A 50-point improvement may cut loan interest by $1,000+.
Prevent fraud
Early detection stops identity theft.
Better approvals
Higher scores unlock more financial opportunities.
15
Oct
Get a money buddy
Pick a trusted friend or family member to check in on your spending, saving, and goals.
What you will need
- Calendar for scheduled check-ins
- Shared spreadsheet or Google Sheet
- Budgeting app
- Simple “ground rules” note (topics, tone, privacy)
- List of your goals, debts, and target dates
Steps to follow
- Choose a reliable person who is supportive and will be honest.
- Agree on scope: monthly budget, debt payoff, savings targets, and limits for impulse buys.
- Schedule recurring check-ins (15–20 minutes weekly or biweekly).
- Set up a shared sheet with income, bills, categories, and goal trackers.
- Define quick rules: no shaming, share receipts for big buys, decide how to handle slip-ups.
- Review results, set one action for the next check-in, and celebrate wins.
Benefits
Reduce impulse spending
Accountability can trim $25–$100+ per month in unplanned purchases.
Increase savings rate
Nudges often boost savings by 1–3% of take-home pay.
Avoid late fees
Regular check-ins help catch missed bills, preventing $25–$40 per incident.
Lifestyle
23
Oct
Check the water heater for leaks
Inspect your water heater for leaks to prevent costly water damage.
What you will need
- Flashlight
- Paper towels or rag
- Bucket (if draining)
Steps to follow
- Shine a flashlight around the base of the heater to check for moisture.
- Check pipe connections and valves for drips or rust stains.
- Wipe areas with a rag to detect fresh leaks.
- Drain a few gallons to test the drain valve if it looks corroded.
- Call a plumber if you find steady leaks or rust on the tank.
Benefits
Prevent water damage
Early fixes avoid repairs costing $1,000–$5,000.
Extend heater life
Fixing valves and fittings delays replacement ($800–$1,500).
Lower utility bills
Efficient, leak-free units waste less energy.
21
Oct
Drain, clean, and cover your swimming pool if you live in a colder climate
Winterize your pool by draining, cleaning, and covering it to prevent damage in cold weather.
What you will need
- Submersible pump or pool pump
- Pool brush and skimmer net
- Pool winter cover and securing straps
- Water test kit (optional for balancing before closing)
Steps to follow
- Vacuum and skim the pool to remove leaves and dirt.
- Lower the water level below the skimmer using a pump.
- Brush the walls and floor to clear algae or buildup.
- Secure the winter cover tightly to block debris and snow.
- Check straps and edges to make sure the cover won’t loosen in wind.
Benefits
Prevent repair bills
Protects pipes and liners from freeze damage ($1,000–$5,000).
Save on spring cleanup costs
Covered pools need less chemical shock and cleaning ($100–$300).
Extend equipment life
Proper closing keeps pumps and filters in good shape.
20
Oct
Replace your air filters
Swap out dirty HVAC filters to save energy and improve air quality.
What you will need
- Replacement air filter (correct size)
- Screwdriver (if panel requires it)
Steps to follow
- Turn off the HVAC system at the thermostat.
- Open the filter panel and slide out the old filter.
- Check the size on the filter frame and get the correct replacement.
- Insert the new filter with arrows pointing toward airflow.
- Close the panel and restart the system to confirm proper operation.
Benefits
Lower energy bills
Clean filters cut HVAC costs by up to 15% (~$100–$200 annually).
Avoid repairs
Prevents blower motor strain ($300–$600).
Improve air quality
Cleaner indoor air reduces allergy trea
19
Oct
Touch up indoor and outdoor paint for wear and tear
Repaint scuffed or worn areas indoors and outdoors to protect surfaces and freshen your home.
What you will need
- Matching paint
- Paintbrushes or rollers
- Sandpaper
- Painter’s tape and drop cloth
Steps to follow
- Clean and sand the worn area to smooth rough edges.
- Tape off nearby surfaces to keep lines clean.
- Apply primer if needed on bare wood or drywall.
- Paint over the spot with matching paint using a brush or roller.
- Allow to dry and apply a second coat for even coverage.
Benefits
Prevent water damage
Sealed surfaces stop costly rot or leaks ($500–$2,000).
Delay full repainting
Small touch-ups extend the life of big jobs ($3,000–$8,000).
Boost resale value
Fresh paint improves curb appeal.
18
Oct
Remove any wasp nests hanging from eaves or overhangs
Safely remove wasp nests near your home to reduce stings and infestations.
What you will need
- Wasp spray (long-distance jet)
- Protective clothing (long sleeves, gloves, glasses)
- Flashlight (for night checks)
Steps to follow
- Identify small nests early before they grow larger.
- Wear protective clothing to reduce sting risk.
- Spray the nest at night with wasp spray from a safe distance.
- Wait 24 hours and check if all activity has stopped.
- Knock down and dispose of the nest safely.
Benefits
Avoid medical costs
Reduces risk of stings and ER visits ($200–$1,000).
Save on exterminators
Early DIY removal prevents pro service calls ($150–$400).
Protect property
Stops wasps from spreading into siding or attics.
16
Oct
Rake leaves
Rake and collect fallen leaves to protect your lawn and keep your yard tidy.
What you will need
- Work gloves
- Leaf rake or leaf blower
- Yard waste bags or compost bin
Steps to follow
- Put on gloves and gather your rake, blower, or other tools.
- Rake leaves into piles working in one direction across the yard.
- Bag leaves for disposal or transfer to a compost bin.
- Check gutters and pathways for leaf buildup that blocks drainage.
Benefits
Avoid lawn repairs
Prevents reseeding or sod replacement ($500–$1,500).
Cut pest control costs
Removing damp piles reduces rodent and insect infestations ($200–$500).
Save on mulch
Composting leaves provides free garden material ($50–$100).
15
Oct
Repair a loose or broken towel rack
Fix a loose towel rack to keep it sturdy and prevent wall damage.
What you will need
- Screwdriver or drill
- Wall anchors or toggle bolts
- Level
- Pencil
Steps to follow
- Remove the towel rack and check for stripped screws or damaged drywall.
- Mark new holes with a level for alignment.
- Install wall anchors or toggle bolts if no studs are behind the mounting points.
- Reattach the towel rack with screws tightened securely.
- Test by pulling gently to ensure it’s solid.
Benefits
Prevent wall repairs
Reinforcement avoids drywall patching ($100–$300).
Avoid replacements
Keeps racks usable longer, saving $20–$100.
Maintain bathroom function
Secure racks reduce clutter and towel mess.
14
Oct
Dust and clean curtains and blinds
Dust curtains and blinds to improve air quality and extend fabric life.
What you will need
- Vacuum with brush attachment
- Microfiber cloth or duster
- Mild detergent (for washable curtains)
- Step stool
Steps to follow
- Vacuum curtains with a brush attachment to lift dust without damaging fabric.
- Dust blinds gently with a microfiber cloth or duster, slat by slat.
- Wash washable curtains in the machine with mild detergent and hang to dry.
- Wipe curtain rods and window frames to remove hidden dust.
- Rehang curtains or adjust blinds once everything is dry and clean.
Benefits
Avoid dry-cleaning costs
Regular upkeep reduces professional cleaning needs ($50–$150).
Extend fabric life
Less dust and sunlight wear delays replacement ($100–$500 per set).
Improve indoor air quality
Reduces allergens, lowering cleaning and medical costs.
13
Oct
Aerate the lawn
Aerate your lawn to reduce soil compaction and promote stronger grass growth.
What you will need
- Lawn aerator (manual or rental machine)
- Garden rake
- Hose or sprinkler
Steps to follow
- Water the lawn lightly the day before to soften the soil.
- Run the aerator across the yard in straight lines, covering the entire area.
- Rake up soil plugs or leave them to break down naturally.
- Water the lawn again to help soil settle and roots absorb nutrients.
Benefits
Reduce lawn treatments
Healthier roots need less fertilizer, saving $50–$100 yearly.
Avoid full lawn replacement
Aeration prolongs lawn life, avoiding $1,500+ reseeding or sod.
Lower water bills
Looser soil improves absorption, cutting irrigation costs.
Pets
26
Aug
Check fences for any gaps or weak spots that pets could exploit to escape
Inspect fence perimeter for holes, loose boards, and gaps underneath that allow pets to escape the yard.
What you will need
- Flashlight
- Shovel
- Hammer
- Nails or screws
- Extra wood, wire, or boards
Steps to follow
- Walk the entire fence perimeter, examining each section for loose or missing boards, broken pickets, or bent chain link.
- Check ground level along the fence line for holes or gaps where pets could dig under or crawl through.
- Test fence stability by gently pushing on posts and boards to identify loose connections or rotting wood.
- Examine gate hinges, latches, and closures to ensure they function properly and close securely.
- Measure any gaps larger than your pet's head, as animals can often squeeze through surprisingly small openings.
- Note locations and sizes of problems found for repair planning.
Benefits
Don't lose your furry friend
Reduces risk of liability if a pet escapes and causes damage
No pricey vet bills
Avoids potential $475–$1,080+ veterinary bills from traffic accidents or injuries while loose
Stay secure
Extends fence life by fixing small issues before full replacement
31
Jul
Ensure your doghouse is moved to a shady spot and has ventilation for air flow
If you’re hot, your dog’s hotter. It’s National Pet Backyard Safety Day. Let’s sort their shelter. Move the doghouse to a shady spot. Check for airflow to keep them cool—you can cut vents if needed. Add a cooling mat or frozen water bottle inside. Hydration and shade make one happy pup.
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.
Tech
14
Aug
Clean out the dust buildup in your computer
Clean dust from your computer to prevent overheating and hardware damage.
What you will need
- Screwdriver
- Compressed air canister
- Soft brush
- Microfiber cloth
Steps to follow
- Turn off and unplug the computer before opening the case.
- Remove the side panel with a screwdriver to access internal components.
- Blow out dust with compressed air focusing on fans, vents, and heatsinks.
- Brush off stubborn dust gently from surfaces and corners.
- Wipe the case exterior with a microfiber cloth before reassembling.
Benefits
Prevents repair costs
Prevents overheating and hardware failure ($200–$500 repair cost)
Improved temperature management
Extends computer lifespan by 2–3 years through proper temperature management
Get better processing speed
Maintains performance by preventing thermal throttling that slows processing speed