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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
16
Nov
Pay down high-interest debt
Tackle the debt that costs you the most in interest first — it saves you money faster.
What you will need
- List of all debts (balances and interest rates)
- Calculator or budgeting app
- Loan payoff calculator
Steps to follow
- List each debt with its balance, minimum payment, and interest rate.
- Prioritize the one with the highest interest rate.
- Continue making minimum payments on all others.
- Pay extra, even $25 or $50 more, toward the highest-rate debt each month.
- Once it’s paid off, move to the next highest one.
Benefits
Save on interest
Focused payments reduce total interest costs by hundreds or even thousands.
Free up cash flow
Paying off one debt makes room for faster progress on others.
Reduce stress
Fewer balances mean simpler money management.
15
Nov
Consider the of opening a Roth IRA
Learn what a Roth IRA is and how it helps you save for retirement with tax-free growth.
What you will need
- Pay stub or income information
- Bank or brokerage account
- Government ID for account setup
Steps to follow
- Confirm you’re eligible—most people qualify if they earn income below IRS limits.
- Choose a financial institution and open a Roth IRA account online.
- Link your checking account to fund it.
- Pick investments such as index funds or target-date retirement funds.
- Contribute regularly—even $50–$100 a month helps build long-term wealth.
Benefits
Tax-free growth
Withdrawals in retirement aren’t taxed.
Flexible access
Contributions (not earnings) can be withdrawn anytime without penalty.
Build long-term security
Compounding makes small contributions grow significantly over time.
14
Nov
Identify your financial priorities
Decide what financial goals matter most so you can focus your time and money.
What you will need
- Pen and paper or notes app
- Budget or spending summary
- List of short- and long-term goals
Steps to follow
- Write down all your financial goals — big and small.
- Mark which ones are “must-do” (such as bills or emergency savings) versus “nice-to-have.”
- Rank them from most to least important.
- Assign money or time toward the top three first.
Benefits
Gain clarity
Focus on what truly matters financially.
Reduce overwhelm
Simplify decisions and avoid scattered goals.
Build momentum
Prioritizing leads to faster progress.
13
Nov
Start small ways to save for your dream travel destination
Create a fun travel savings plan so your dream trip feels achievable, not distant.
What you will need
- Travel cost estimate (flights, hotel, food, activities)
- Dedicated travel savings account
- Automatic transfer or “round-up” savings app
Steps to follow
- Research your destination and estimate total trip costs.
- Divide that number by the months until you plan to go — that’s your monthly savings target.
- Open a separate savings account labeled “Travel Fund.”
- Set up automatic transfers or deposit spare change weekly.
- Track your progress and celebrate milestones — like saving enough for airfare.
Benefits
Stay motivated
Watching your travel fund grow keeps your goal alive.
Avoid debt
Pay for trips with cash, not credit.
Enjoy guilt-free travel
The trip feels even better when it’s fully funded.
12
Nov
Assess your housing costs
Review what you spend on housing to see if it fits your budget and goals.
What you will need
- Rent or mortgage statements
- Utility bills
- Calculator or budgeting app
Steps to follow
- List all monthly housing costs: rent or mortgage, utilities, insurance, and taxes.
- Add them up and compare it to your monthly income.
- If it’s higher than 30%, look for small adjustments—negotiate utilities, refinance, or explore energy-saving upgrades.
- Identify areas to cut back or plan for future moves.
Benefits
Understand your biggest expense
Know where your money is going.
Find opportunities to save
Small changes can reduce monthly costs.
Plan ahead
Helps you decide if your housing still fits your lifestyle.
11
Nov
Set up automatic transfers to savings accounts
Automate transfers from checking to savings so you build your balance consistently without having to think about it.
What you will need
- Online banking access or mobile app
- Checking and savings account numbers
- Calendar for scheduling transfers
Steps to follow
- Log in to your bank account and locate the “transfer” or “recurring transfer” section.
- Choose how much to move — even $10 or $25 per payday is fine to start.
- Select the transfer frequency (weekly, biweekly, or monthly).
- Pick a transfer date right after your paycheck clears.
- Ensure your plan fits your budget.
Benefits
Build consistent savings
Automatically grows your balance over time.
Avoid fees
Keeps your account above minimum balance levels.
Make saving effortless
Removes the need to remember or decide each time.
10
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.
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.
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.
Home
16
Nov
Vacuum baseboard heaters and floor vents
Vacuum dust and debris from baseboard heaters and vents to improve airflow and efficiency.
What you will need
- Vacuum with brush or crevice attachment
- Screwdriver (if vent covers need removing)
- Damp cloth
Steps to follow
- Turn off the heating system before cleaning.
- Vacuum inside vents and heater fins to remove dust and debris.
- Wipe exterior surfaces with a damp cloth.
- Replace vent covers securely before restarting the system.
Benefits
Lower energy bills
Clean vents improve efficiency, saving $25–$75 annually.
Prevent overheating
Clear airflow reduces strain on systems ($200–$500 repair prevention).
Improve air quality
Fewer allergens and dust reduce cleaning needs.
15
Nov
Clean out your fridge
Toss old food and organize your fridge to save space, energy, and money.
What you will need
- Trash bags
- Mild cleaner
- Microfiber cloth
- Baking soda (for deodorizing)
Steps to follow
- Empty one shelf at a time and check expiration dates.
- Toss anything expired or unused in months.
- Wipe shelves and bins with a mild cleaner and microfiber cloth.
- Return items by category (dairy, condiments, produce).
- Place an open box or small tub of baking soda inside to absorb odors.
Benefits
Save on groceries
Clearing space and spotting forgotten items helps you plan meals, saving $20–$50 per shopping trip.
Improve efficiency
Better airflow lowers energy bills ($25–$75 annually).
Avoid health issues
Fewer bacteria mean safer food.
14
Nov
Check all seat belts in your vehicle
Inspect your car’s seat belts for fraying or stiffness and confirm they latch securely.
What you will need
- Flashlight
- Clean cloth
- Lubricant (for metal latches only)
Steps to follow
- Pull each belt fully out and inspect for frays, tears, or fading.
- Test the retraction mechanism by letting it rewind smoothly.
- Buckle and unbuckle to confirm the latch clicks securely.
- Clean the webbing with mild soap and water if sticky.
- Book service or replacement if any belt sticks or fails to lock.
Benefits
Prevent injury
Working belts reduce medical and repair costs ($1,000+ potential savings).
Avoid failed inspections
Functional belts pass safety checks without rework.
Extend belt life
Regular checks prevent dirt and stiffness.
13
Nov
Disinfect stair rails and door handles
Wipe down frequently touched areas such as handrails and door handles to reduce germs and keep finishes clean.
What you will need
- Disinfectant spray or wipes
- Microfiber cloth
- Mild soap and water (for sticky residue)
Steps to follow
- Wipe surfaces with disinfectant focusing on knobs, rails, and switches.
- Use a damp cloth to remove any sticky buildup.
- Dry immediately to protect wood and metal finishes.
- Remind family members to wash hands regularly.
Benefits
Reduce illness costs
Fewer sick days save on medicine and lost time.
Preserve finishes
Prevents corrosion or tarnish ($50–$200 repairs).
Boost resale appeal
Clean, polished hardware looks newer.
12
Nov
Descale and clean showerheads
Remove mineral buildup from your showerhead to improve water flow and pressure.
What you will need
- White vinegar
- Plastic bag and rubber band (or bowl)
- Toothbrush or small brush
Steps to follow
- Fill a plastic bag with vinegar and secure it around the showerhead.
- Let it soak for 20–30 minutes (longer for heavy buildup).
- Remove and scrub with a toothbrush to loosen remaining debris.
- Rinse the shower head thoroughly by running hot water for a minute.
- Wipe dry to prevent new spots from forming.
Benefits
Improve water pressure
Avoid plumber calls ($100–$200).
Extend fixture life
Less corrosion means fewer replacements ($50–$150).
Save on water bills
Better flow means shorter showers.
11
Nov
Switch to winter windshield washer fluid
Replace your washer fluid with a winter blend and make sure your sprayers work before freezing temps hit.
What you will need
- Winter washer fluid
- Funnel
- Clean rag
Steps to follow
- Open the washer fluid reservoir and pour out any leftover summer mix.
- Fill with winter-grade washer fluid rated for subzero temperatures.
- Start your vehicle and spray the windshield to test for smooth flow.
- Wipe nozzles clean if spray is uneven or nozzles clogged.
Benefits
Prevent line damage
Avoid frozen fluid repairs ($100–$300).
Improve visibility
Clear windshields reduce accident risk.
Save time
Smooth sprayers mean fewer stops for cleaning.
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.