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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
14
Jan
Review your energy costs and find small ways to reduce them
Look at how and when you use energy to lower monthly costs.
What you will need
- Utility bills
- Utility provider website
Steps to follow
- Review the last few months of utility bills for patterns or spikes.
- Check if your provider offers off-peak or time-of-use pricing.
- Identify high-use times and consider shifting usage when possible.
- Track changes and compare bills over time.
Benefits
Lower monthly bills
Small changes reduce ongoing costs.
Improve efficiency
Use energy more intentionally.
Gain awareness
Understand what drives your expenses.
10
Jan
Review your stock portfolio for any dividend returns
Check whether any of your investments pay dividends and how those returns are used.
What you will need
- Brokerage account login
- Dividend history or statements
- Notes app
Steps to follow
- Log into your brokerage account.
- Identify stocks or funds that pay dividends.
- Check whether dividends are reinvested automatically.
- Decide if the current setup fits your goals.
- Adjust settings if needed.
Benefits
Increase awareness
Know where returns come from.
Align strategy
Match income vs. growth goals.
Optimize compounding
Reinvest dividends intentionally.
09
Jan
Know your health insurance benefits
Understand what your health insurance actually covers before you need it.
What you will need
- Insurance plan summary
- Insurer website or app
- Notes app
Steps to follow
- Review your plan’s deductible, copays, and out-of-pocket maximum.
- Check which services are covered or limited.
- Note rules for out-of-network care.
- Save customer service contact info.
- Keep a quick reference note for future use.
Benefits
Avoid surprise bills
Know costs before care.
Use benefits fully
Don’t miss covered services.
Reduce stress
Confidence when making medical decisions.
09
Jan
Increase financial visibility
Use one tool or app to see your full financial picture in one place.
What you will need
- Budgeting or money-tracking app
- Bank, credit card, and loan logins
- Spreadsheet (optional)
Steps to follow
- Choose one tool to track your finances (app or spreadsheet).
- Connect or enter your main accounts: checking, savings, credit cards, loans.
- Review balances and recent activity in one view.
- Note any surprises or areas that feel unclear.
Benefits
Improve awareness
See where your money really is.
Spot issues early
Catch overspending or missed bills faster.
Feel more in control
Clarity reduces stress and guesswork.
09
Jan
Organize and check your travel loyalty points
Review airline, hotel, and credit card points so they don’t expire unused.
What you will need
- Airline, hotel, and credit card logins
- Notes app or spreadsheet
- Loyalty tracking app (optional)
Steps to follow
- Log into each airline, hotel, and rewards account you use.
- Record your current points or miles balances.
- Check expiration or activity rules for each program.
- Note simple ways to keep points active (small purchase, transfer).
- Create a plan to use points on future travel.
Benefits
Avoid losing value
Prevent points from expiring.
Plan smarter trips
xUse rewards instead of cash.
Plan smarter trips
Know what benefits you already have.
08
Jan
Pick a savings challenge for the year
Choose a simple, fun challenge to make saving feel more engaging.
What you will need
- Savings account
- Calendar or reminder app
- Challenge rules (written down)
Steps to follow
- Review popular savings challenge ideas.
- Pick one that fits your income and lifestyle.
- Decide how long you’ll commit (month, quarter, year).
- Track progress in a simple way.
- Adjust if it becomes too easy or too difficult.
Benefits
Make saving fun
Gamifies good habits.
Build consistency
Small wins add up.
Increase motivation
Progress feels tangible.
07
Jan
Review your 401(k) allocation
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
- Log into your 401(k) account.
- Review your current asset allocation.
- Compare it to your comfort with risk and years until retirement.
- 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
Review budgeting methods and see if yours still works
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
- Reflect on whether your current budget feels helpful or frustrating.
- Review a few common budgeting methods.
- Identify what you like and dislike about each.
- Adjust your method—or combine elements—to fit your lifestyle.
- 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
Review your end-of-year statements
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
- Download or gather your year-end statements.
- Review spending patterns and note any surprises.
- Look at investment performance and account balances.
- Identify one thing you did well and one thing to improve.
- 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.
Lifestyle
13
Jan
Clean your desk
Clear your desk and sort papers into toss, shred, and keep piles.
What you will need
- Trash bag
- Shredder
- File folder or tray
Steps to follow
- Clear the desk surface completely.
- Sort papers into toss, shred, and keep piles.
- Shred sensitive documents immediately.
- File what you keep into labeled folders.
- Wipe the desk before returning essentials only.
Benefits
Prevent identity risk
Shredding protects against fraud and replacement costs.
Save time daily
Less clutter means faster access to what you need.
Avoid storage creep
Regular sorting reduces the need for extra organizers.
13
Jan
Inspect and clean your vacuum’s roller brush
Clean your vacuum’s roller brush to restore suction and performance.
What you will need
- Scissors or seam ripper
- Screwdriver (if housing opens)
- Trash bag
Steps to follow
- Unplug the vacuum.
- Remove the roller brush cover if needed.
- Cut away wrapped hair and debris.
- Wipe the brush clean.
- Reinstall and test suction.
Benefits
Avoid vacuum replacement
Proper care extends lifespan ($150–$400 saved).
Improve cleaning power
Clean brushes restore full suction.
Prevent motor strain
Reduced resistance avoids repair costs.
12
Jan
Upgrade your lighting
Upgrade your lighting to make your home feel more comfortable.
What you will need
- Replacement bulbs (LED, correct wattage/color)
- Step stool or ladder
- Microfiber cloth
Steps to follow
- Test all fixtures and note any flickering or dead bulbs.
- Confirm bulb type suits the room (task, ambient, or accent lighting).
- Replace old bulbs with LEDs where possible.
- Clean shades and covers to maximize brightness.
- Check dimmers and switches for proper operation.
Benefits
Lower energy bills
LEDs can reduce lighting costs by $50–$150 per year.
Improve safety
Brighter, reliable lighting reduces trip and strain risks.
Avoid fixture damage
Correct bulbs prevent overheating and early failure.
11
Jan
Organize a small “thank-you gift drawer”
Create a dedicated drawer for thank-you cards, ribbons, and gift bags so you’re always prepared.
What you will need
- Small drawer or storage box
- Thank-you cards, ribbons, gift bags
- Dividers (optional)
Steps to follow
- Choose one drawer or container for thank-you supplies.
- Sort cards, ribbons, and bags by size or type.
- Remove damaged or unused items.
- Add dividers to keep items neat.
- Ensure the drawer or box is in an easy-to-access spot.
Benefits
Avoid last-minute purchases
Having supplies ready saves $10–$50 in rushed buying.
Reduce clutter elsewhere
Centralizing items prevents duplicates and overflow.
Encourage thoughtful habits
Easy access makes it more likely you’ll send thanks.
11
Jan
Reorganize your house to make it easier to clean
Rearrange furniture to reduce gaps and make routine cleaning easier.
What you will need
- Measuring tape (optional)
- Furniture sliders
- Vacuum or mop
Steps to follow
- Identify hard-to-clean gaps between furniture and walls.
- Shift furniture slightly to allow tool access.
- Align pieces to reduce dust-trapping corners.
- Test vacuum or mop access.
- Lock in the layout once cleaning is easier.
Benefits
Reduce cleaning time
Easier access saves hours over a year.
Protect floors
Less dragging reduces scratch and wear repairs.
Improve air quality
Fewer dust traps mean cleaner indoor air.
10
Jan
Clean plant leaves with a damp cloth
Wipe plant leaves to remove dust and improve light absorption.
What you will need
- Soft cloth
- Water
Steps to follow
- Support each leaf gently.
- Wipe with a damp cloth from base to tip.
- Check for pests while cleaning.
- Rotate plants toward light after cleaning.
Benefits
Avoid replacing plants
Healthier plants mean fewer losses and fewer replacements ($10–$50 each).
Reduce pest problems
Cleaner leaves help you spot pests early and avoid treatment costs ($10–$30).
Protect home surfaces
Healthier plants shed less debris and reduce mess on floors and shelves, lowering cleaning time and costs.
09
Jan
Flip and rotate sofa cushions to redistribute wear
Flip and rotate cushions to extend sofa life and maintain comfort.
What you will need
- Vacuum
- Lint roller (optional)
Steps to follow
- Remove cushions completely.
- Vacuum underneath and cushions.
- Flip and rotate before replacing.
- Repeat every few months.
Benefits
Delay replacement
Even wear extends sofa life and avoids spending $500–$2,000 on a new one.
Reduce repair need
Preventing sagging can avoid cushion refills or repairs costing $100–$300.
Protect upholstery
Regular rotation reduces friction wear that can lead to reupholstery ($600–$2,000).
08
Jan
Upgrade your bathtub experience
Improve your bathtub setup for comfort without replacing the tub.
What you will need
- New showerhead or faucet
- Adjustable wrench
- Shelf or caddy
Steps to follow
- Identify what feels lacking (pressure, storage, comfort).
- Replace showerhead or faucet.
- Install a shelf or platform for bath items.
- Test water flow and temperature.
Benefits
Avoid full renovation costs
Small upgrades save $1,000+.
Improve daily comfort
Better bathing experience.
Boost bathroom appeal
Make your bathroom a sanctuary.
07
Jan
Wash and put away holiday glassware and serving platters
Clean and store holiday glassware and platters after entertaining.
What you will need
- Mild dish soap
- Drying towels
- Storage sleeves or padding
Steps to follow
- Wash items gently by hand.
- Dry completely to avoid water spots.
- Wrap or pad fragile pieces.
- Store in a dedicated cabinet.
Benefits
Prevent breakage
Proper storage saves replacements ($50–$200).
Protect finishes
Avoids clouding or etching.
Declutter kitchen space
Keep your kitchen space neat.
Pets
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.