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

07 Jan
Retirement Planning

Review your 401(k) allocation

Time to complete: 30 min

Difficulty: Medium

Check how your retirement money is invested—not how much you’re contributing.

What you will need

  • 401(k) account login
  • Target allocation reference
  • Employer plan details

Steps to follow

  1. Log into your 401(k) account.
  2. Review your current asset allocation.
  3. Compare it to your comfort with risk and years until retirement.
  4. Adjust if it feels too aggressive or too conservative.

Benefits

Manage risk

Avoid unintended exposure.

Improve long-term outcomes

Aligns investments with goals.

Stay engaged

Keeps retirement planning intention

06 Jan
Budgeting

Review budgeting methods and see if yours still works

Time to complete: 40 min

Difficulty: Easy

Check whether your current budgeting style fits your life—or if it needs a refresh.

What you will need

  • Current budget or app
  • List of popular budgeting methods
  • Notes app

Steps to follow

  1. Reflect on whether your current budget feels helpful or frustrating.
  2. Review a few common budgeting methods.
  3. Identify what you like and dislike about each.
  4. Adjust your method—or combine elements—to fit your lifestyle.
  5. Test the new approach.

Benefits

Improve consistency

A better fit is easier to maintain.

Reduce burnout

Less friction means more follow-through.

Support goals

Aligns spending with priorities.

05 Jan
Budgeting

Review your end-of-year statements

Time to complete: 50 min

Difficulty: Medium

Look over your year-end statements to understand how you used your money.

What you will need

  • Year-end bank and credit card statements
  • Investment account summaries
  • Calculator or spreadsheet

Steps to follow

  1. Download or gather your year-end statements.
  2. Review spending patterns and note any surprises.
  3. Look at investment performance and account balances.
  4. Identify one thing you did well and one thing to improve.
  5. Use insights to guide your next budget or goals.

Benefits

Increase awareness

Understand real spending habits.

Spot opportunities

Identify areas to improve or optimize.

Start fresh

Use data to plan the year ahead.

04 Jan
Budgeting

List all big expenses for the year

Time to complete: 35 min

Difficulty: Easy

Identify major expenses coming up so they don’t catch you by surprise.

What you will need

  • Calendar
  • Bank or credit card statements
  • Notes app or spreadsheet

Steps to follow

  1. Think through the next 12 months and list major known expenses.
  2. Include annual, semiannual, and irregular costs.
  3. Estimate the amount and timing for each.
  4. Decide how much to set aside monthly for them.

Benefits

Avoid surprises

Big costs feel manageable when planned.

Reduce debt reliance

Less need for last-minute credit.

Improve cash flow

Spread expenses evenly through the year.

03 Jan
Financial Planning

Evaluate financial adviser options or get a financial buddy

Time to complete: 40 min

Difficulty: Medium

Decide whether you need professional advice—or just a trusted accountability partner.

What you will need

  • List of financial questions or challenges
  • Research on no-fee or fee-only advisers
  • Trusted friend or mentor

Steps to follow

  1. List areas where you feel unsure or stuck financially.
  2. Decide whether you need accountability, education, or technical advice.
  3. Research fee-only or fiduciary advisers if professional help feels useful.
  4. Alternatively, ask a trusted friend to be a monthly check-in partner.
  5. Reassess after a few months to see if it’s helping.

Benefits

Avoid unnecessary fees

Don’t pay for help you don’t need.

Get support

Accountability improves follow-through.

Build confidence

Guidance reduces uncertainty.

02 Jan
Banking

Declutter your wallet

Time to complete: 15 min

Difficulty: Easy

Slim down your wallet by removing cards and items you don’t use or shouldn’t carry.

What you will need

  • Your wallet
  • Secure place at home
  • Scissors or shredder (for old cards)

Steps to follow

  1. Take everything out of your wallet.
  2. Remove cards you haven’t used in the last 3–6 months.
  3. Get rid of anything with sensitive personal info you don’t need daily.
  4. Keep only essentials: ID, 1–2 payment cards, insurance card if needed.
  5. Store the rest securely at home.

Benefits

Reduce risk

Less exposure if your wallet is lost.

Spend more intentionally

Fewer cards mean fewer impulse options.

Improve convenience

Lighter and easier to manage.

01 Jan
Financial Planning

Create your financial mission statement for the year

Time to complete: 30 min

Difficulty: Easy

Write a short statement that defines what you want money to do for you this year.

What you will need

  • Pen and paper or notes app
  • List of current goals or challenges

Steps to follow

  1. Ask yourself what you want money to enable this year (security, freedom, less stress).
  2. Write 2–4 sentences describing that purpose.
  3. Keep it realistic and personal—no buzzwords required.
  4. Save it somewhere visible (planner, phone, calendar).
  5. Revisit it when making financial decisions

Benefits

Create clarity

Gives your financial choices direction.

Reduce decision fatigue

Helps you say yes or no more easily.

Stay motivated

Keeps goals front and center all year.

Lifestyle

06 Jan
Interior Decorating

Take down reusable Christmas trees

Time to complete: 25 min

Difficulty: Easy

Store reusable Christmas trees properly and clean the space around them.

What you will need

  • Storage bag or bin
  • Vacuum or broom
  • Microfiber cloth

Steps to follow

  1. Remove decorations and lights.
  2. Collapse and bag the tree carefully.
  3. Vacuum or sweep the tree area.
  4. Wipe nearby walls and baseboards with microfiber cloth.

Benefits

Extend tree life

Clean storage prevents damage.

Reduce allergens

Removes dust and debris.

Save setup time next year

Storing the tree neatly makes it easier to use next year.

05 Jan
Entertaining

Deep clean table linens and winter table runners before storing them

Time to complete: 45 min

Difficulty: Easy

Wash table linens and runners before storing to prevent stains and odors.

What you will need

  • Laundry detergent
  • Stain remover
  • Mesh laundry bag

Steps to follow

  1. Check care labels on all linens.
  2. Pre-treat stains before washing.
  3. Wash and dry fully according to instructions—use a mesh laundry bag for delicate linens.
  4. Fold and store in a dry container.

Benefits

Avoid replacement costs

Protects specialty linens ($30–$150).

Save time next season

Items are ready to use.

Preserve fabric quality

Prevents set-in damage.

04 Jan
Interior Decorating

Clean light switches and outlet covers

Time to complete: 10 min

Difficulty: Easy

Disinfect light switches and outlet covers to remove grime and germs.

What you will need

  • Disinfecting wipes or spray
  • Microfiber cloth

Steps to follow

  1. Spray cleaner onto a cloth (not directly on outlets).
  2. Wipe switches and covers thoroughly.
  3. Dry immediately to protect electrical components.

Benefits

Reduce illness spread

Fewer germs on shared surfaces.

Protect finishes

Prevents yellowing and buildup.

Improve appearance

Clean details make rooms feel fresher.

02 Jan
Home Entertainment

Dust and reorganize your TV stand

Time to complete: 20 min

Difficulty: Easy

Dust and reorganize your TV stand to clean and reduce clutter.

What you will need

  • Microfiber cloth
  • Vacuum with brush attachment
  • Cable ties (optional)

Steps to follow

  1. Turn off and unplug electronics.
  2. Dust shelves, devices, and vents with a cloth or vacuum.
  3. Group and secure with ties cables to reduce tangles.
  4. Return only frequently used items to the stand.

Benefits

Extend device life

Less dust reduces overheating.

Avoid repairs

Cleaner airflow prevents strain ($100–$300 saved).

Save time

Easier access to remotes and accessories.

01 Jan
Interior Decorating

Wipe down indoor window sills for condensation to prevent mold growth

Time to complete: 10 min

Difficulty: Easy

Clean window sills to remove condensation buildup and prevent mold.

What you will need

  • Microfiber cloth
  • Paper towels

Steps to follow

  1. Wipe visible moisture from window sills and frames.
  2. Clean corners and seams where water tends to collect.
  3. Dry the surface fully with a clean cloth.

Benefits

Prevent mold cleanup

Avoid remediation costs ($300–$1,000).

Protect finishes

Keeps paint and wood from rotting.

Improve air quality

Less moisture means fewer allergens.

01 Jan
Appliances

Vacuum under radiators or behind baseboard heaters

Time to complete: 15 min

Difficulty: Easy

Vacuum dust from heaters to improve safety and airflow.

What you will need

  • Vacuum with crevice attachment
  • Flashlight

Steps to follow

  1. Turn off the heating system.
  2. Vacuum under and behind heaters carefully.
  3. Check for paper or debris that may have fallen inside.
  4. Restore power once the area is clean.

Benefits

Reduce fire risk

Removes combustible dust.

Improve heating efficiency

Cleaner airflow saves energy.

Avoid service calls

Prevents overheating issues.