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
21
Apr
Check your bank’s April fee schedule and changes
See what your bank is really charging—and whether it’s still worth it.
What you will need
- Recent bank statements
- Bank website or fee schedule
- Comparison list of other banks
Steps to follow
- Open your latest bank statement or app.
- Look for any recent fees or changes.
- Check your bank’s official fee schedule.
- Compare costs to how you use the account.
- Shortlist better, lower-fee alternatives if needed.
Benefits
Stop needless fees
You avoid paying just to hold your money.
Align bank with habits
Your account matches how you actually bank.
Increase savings
Money stays with you, not your bank.
Encourage switching
You’re more likely to move if you see costs.
Boost awareness
You stop assuming your bank is ‘fine.’
20
Apr
Set three weekend spending caps for April
Create simple spending caps for weekends so your impulse days don’t blow up your month.
What you will need
- Calendar for the remaining weekends in April
- Budget or spending app
- Notes app or journal
Steps to follow
- Count how many weekends are left in April.
- Look at what you typically spend on weekends for categories like dining out, rides, and random purchases.
- Set three realistic caps for each weekend (for example: R or $X for eating out, Y for transport, Z for “fun/impulse”).
- Write these caps where you’ll see them before each weekend (notes, sticky note, or in your app).
- After the first weekend, glance back at how you did and adjust the caps if they were way too tight or too loose.
Benefits
Targets your real weak spot
You focus on the days when impulse spending is most likely.
Keeps fun, adds boundaries
Weekends can still be enjoyable, just with some light guardrails.
Prevents Monday regret
You’re less likely to wake up wondering where the weekend money went.
Flexible structure
Caps can be adjusted once you see how they feel in real life.
Easy to repeat
You can reuse this “weekend caps” trick in future months or seasons.
19
Apr
Do a quick Q2 net worth and progress check
Get a quick picture of what you own minus what you owe—and note the direction you’re heading.
What you will need
- Account balances (cash, investments)
- Debt balances (loans, cards)
- Calculator or spreadsheet
Steps to follow
- List your cash, savings, and investments.
- List your debts: cards, loans, etc.
- Add up assets and add up debts.
- Subtract debts from assets for net worth.
- Write the number and today’s date in one place.
Benefits
Increase clarity
You see your whole financial picture at once.
Track progress
Even small shifts become visible over time.
Reduce anxiety
Facts replace vague assumptions.
Motivate change
Seeing the number can fuel better habits.
Celebrate wins
You can spot and honor positive movement.
18
Apr
Audit one insurance policy for gaps
Read the key page of one policy so you actually know what’s covered—and what’s not.
What you will need
- One insurance policy
- Highlighter or notes app
- Customer service contact info
Steps to follow
- Pick one policy to review (home, auto, renters, health).
- Find the declarations or summary page.
- Highlight deductibles and coverage limits.
- Note any exclusions that surprise you.
- Decide if you need quotes or adjustments this year.
Benefits
Reduce nasty surprises
You know what’s covered before a claim.
Protect your savings
Right deductibles prevent unpayable bills.
Spot gaps
You’ll see where coverage is thin or missing.
Improve decisions
You can shop or adjust with clear facts.
Gain peace of mind
You’re not relying on assumptions anymore.
17
Apr
Check your retirement contribution pace
See whether your current contributions will actually hit your retirement goal.
What you will need
- Retirement account login
- Year-to-date contributions
- Calculator or spreadsheet
Steps to follow
- Log into your retirement account(s).
- Note your year-to-date contributions.
- Multiply by 12 or remaining periods.
- Compare the total to your set target.
- Decide if you’ll bump contributions now or later.
Benefits
Stay on track
You’ll know if you’re pacing to your goal.
Avoid year-end scramble
Adjustments now hurt less than huge jumps later.
Use time wisely
More months contributing = more compounding.
Make intentional trade-offs
You can choose whether to push or pause.
Boost confidence
You’re steering, not guessing about retirement.
16
Apr
Do a 30-day spending snapshot setup
Create a light, 30-day tracking experiment so you can see where your money actually goes.
What you will need
- Notes app, spreadsheet, or budgeting app
- Recent transactions for category ideas
- Calculator (optional)
- Calendar or reminder app
Steps to follow
- Choose your tracking tool: simple notebook, notes app, spreadsheet, or budget app.
- Define 4–6 broad categories (for example: housing/bills, food, transport, debt, fun, other).
- Decide how and when you’ll log spending (e.g., quick note after each purchase or a 5-minute nightly check-in).
- Set reminders on your phone for your logging time so you don’t forget.
- Optionally, add a note on your calendar 30 days from now to review your snapshot and the patterns you find.
Benefits
Real data, not guesses
You get a clear picture of where your money actually goes in a normal month.
Low-pressure commitment
It’s a 30-day experiment, not a forever rule.
Easy to start
Broad categories keep the setup simple and sustainable.
Supports better decisions
Your future budget tweaks will be based on real behavior, not vibes.
Builds awareness
A small daily logging habit gently keeps money on your radar.
15
Apr
File or finalize your tax return today
Finish your return, file it, and note one thing that will make next year’s taxes easier.
What you will need
- All tax documents (W‑2s, 1099s, etc.)
- Tax software or preparer
- Notes app or paper
Steps to follow
- Gather any missing tax documents.
- Open your tax software or call your preparer.
- Complete and file or e-file your return.
- Save confirmations in a safe place.
- Note one change to simplify next year.
Benefits
Remove mental load
You stop carrying the unfinished task.
Avoid penalties
Filing on time protects your wallet.
Capture lessons
You improve next year while it’s fresh.
Organize records
You’re less likely to lose key documents.
Feel accomplished
You trade dread for a real win today.
14
Apr
Plan how you’ll use your next raise or windfall
Decide ahead of time how you’ll split any extra money between debt, savings, and fun.
What you will need
- Notes app or journal
- Recent pay stub (optional)
- Calculator
Steps to follow
- Choose a simple split for extra income.
- Decide how much goes to debt/savings.
- Assign a portion to long-term goals.
- Keep a slice for guilt-free fun.
- Write your formula where you’ll see it.
Benefits
Protect your goals
Money hits savings or debt before disappearing.
Keep joy
You still budget for fun on purpose.
Reduce impulse buys
You follow a formula, not feelings.
Lower regret
You’ll remember where the money went.
Build wealth faster
Raises actually improve your net worth.
13
Apr
Do an April subscription and app cleanse
Clean up finance-related apps and subscriptions that overcharge your money, storage, or data.
What you will need
- Phone or tablet
- App store subscriptions page
- Banking and payment apps
- Device settings for app permissions
Steps to follow
- Open your app store subscriptions page and list finance‑adjacent apps or services you’re paying for.
- On your phone, look through your installed apps and flag those you rarely use, especially ones tied to money or personal data.
- In your banking and payment apps, review connected apps/services and remove anything you don’t recognize or no longer need.
- Uninstall a handful of unused apps and cancel at least one unnecessary subscription.
- Adjust app permissions for location, contacts, or access to your files where it no longer makes sense.
Benefits
Cuts money leaks
You cancel at least one subscription that doesn’t deserve another month.
Improves security
Fewer apps and connections mean fewer places your financial data can leak.
Frees up storage
Removing unused apps clears space on your devices.
Reduces digital noise
A cleaner app list makes important tools easier to find.
Builds a regular hygiene habit
You treat app and subscription checks like normal maintenance, not emergencies.
Lifestyle
21
Apr
Inspect your hard outdoor surfaces (patios, walks, steps) for cracks and grime
Inspect your hard outdoor surfaces—patios, walks, steps—for cracks and grime.
What you will need
- Comfortable shoes
- Flashlight (if evening)
- Notepad
Steps to follow
- Walk your patios, paths, and exterior steps slowly.
- Look for cracks, raised edges, or loose pavers that could trip someone.
- Note greasy, mossy, or heavily stained areas that need cleaning.
- Decide where a sweep, wash, or patch would make the biggest impact.
- Prioritize fixes before guests and family use these spaces heavily.
Benefits
Safer footing
Finding cracks and uneven spots reduces trip hazards outdoors.
Better appearance
Cleaned, repaired surfaces make your exterior space more inviting.
Longer life
Early patching can slow further damage from water and weather.
Seasonal readiness
Sets up patios and paths for comfortable warm‑weather use.
21
Apr
Spring power‑wash and inspect hard surfaces
Wash winter grime from patios and paths, then look for cracks or heaving that could trip guests.
What you will need
- Garden hose with nozzle or pressure washer
- Outdoor broom or stiff brush
- Safety glasses (for pressure washer)
Steps to follow
- Sweep loose debris from patios, walkways, and steps.
- Use a hose or pressure washer to wash away grime, working in sections.
- Watch for slippery algae areas and clean them thoroughly.
- After surfaces dry, inspect for cracks, loose pavers, or heaving. Mark any trip hazards for repair or leveling.
- Mark any trip hazards for repair or leveling.
Benefits
Improve safety for family and guests
Clean, even surfaces reduce slip and trip risks.
Make outdoor spaces more inviting
Removing grime instantly brightens patios and paths.
Spot maintenance issues early
It’s easier to see what needs fixing once surfaces are clean.
20
Apr
Organize a basic home repair tool kit
Build one grab‑and‑go toolkit so small fixes never stall for lack of tools.
What you will need
- Medium tool bag or plastic bin
- Hammer
- Tape measure
- Screwdriver set
- Adjustable wrench
- Pliers
- Utility knife
Steps to follow
- Gather scattered tools from drawers, garage, and closets.
- Choose one bin or bag to be your main home toolkit.
- Add hammer, screwdrivers, wrench, pliers, tape measure, and knife.
- Include a small hardware box with nails, screws, and anchors.
- Store the kit in an easy‑to‑grab spot everyone knows.
Benefits
Start and finish small repairs faster
No more hunting for tools in three different rooms.
Avoid duplicate purchases
Seeing everything in one kit keeps you from rebuying basics.
Help others help you
Family or guests can grab the kit when something breaks.
20
Apr
Reinstall and safety‑check pool ladders, rails, and accessories
Reattach ladders, handrails, lights, slides, and diving boards, then tighten and lubricate bolts so everything feels solid and safe for opening day.
What you will need
- Pool ladders, handrails, steps, slides, and diving boards you removed for winter
- Socket set or wrenches
- Silicone or pool‑safe lubricant
- Clean rag
Steps to follow
- Lay out all ladders, rails, and accessories near their mounting points and confirm you have the right bolts, nuts, and anchor cups.
- Reinstall ladders and handrails first, making sure the bases sit fully in their anchors before tightening hardware.
- Reattach slides, diving boards, and other accessories according to the manufacturer’s instructions, checking weight limits and clearance.
- Tighten all bolts and screws firmly, then apply a light coat of pool‑safe lubricant to exposed hardware to help prevent rust.
- Give each ladder, rail, slide, and board a firm shake and test climb so you know it feels stable before anyone else uses it.
Benefits
Solid support for everyone
Make ladders, rails, and accessories feel secure for swimmers of all ages.
Fewer slips and scares
Reduce the chance of slips, wobbles, or hardware‑related injuries.
Rust‑resistant hardware
Protect bolts and brackets from rust, making future seasonal removal and re‑installation easier.
19
Apr
Check ventilation when cleaning tightly sealed homes
Pay attention to ventilation when cleaning tightly sealed winter homes.
What you will need
- Cleaning products
- Window or fan
- Timer or reminder
Steps to follow
- Before using strong cleaners, crack a window or turn on a bath/kitchen fan.
- Avoid spraying large amounts in small, unventilated rooms.
- Take short breaks to step into a fresher area if you smell harsh fumes.
- Leave fans running for a while after you finish cleaning.
- Note rooms that feel stuffy and consider boosting their regular ventilation.
Benefits
Safer air
Dilutes fumes from cleaners in tightly sealed spaces.
Health awareness
Reduces headaches or irritation from trapped chemicals.
Ventilation insights
Shows you which rooms need more routine airflow.
19
Apr
Check cleaner dwell time and don’t mix products
Read one label, honor contact time, and avoid mixing anything with bleach or ammonia.
What you will need
- One frequently used cleaner
- Timer or phone
- Gloves (optional)
Steps to follow
- Pick one cleaner you use often in the kitchen or bathroom.
- Read the label for contact/dwell time instructions.
- Apply it to a small test area and start a timer.
- Let it sit for the full recommended time before wiping.
- Note any “Do not mix” warnings and memorize them.
Benefits
Boost cleaning effectiveness
Letting products sit makes scrubbing easier and results better.
Improve safety at home
Knowing what not to mix avoids harmful chemical reactions.
Waste less product
Using cleaners correctly means you don’t have to re‑clean.
18
Apr
Pick your 3 go‑to home cleaners
Stop buying a new spray for every tiny mess—build a simple 3‑bottle kit you actually use.
What you will need
- All‑purpose cleaner you trust
- Glass or mirror cleaner
- Bathroom cleaner (or tub/tile spray)
- Small cleaning caddy or bin
- Microfiber cloths or sponges
Steps to follow
- Open your cleaning cabinet and pull out every spray and bottle you own.
- Choose one favorite all‑purpose cleaner, one glass or mirror cleaner, and one bathroom cleaner that work well and are safe for your main surfaces.
- Place those three in a small caddy or bin, along with a few clean cloths or sponges.
- Store this “core kit” somewhere easy to grab—under the sink, in a hall closet, or in the bathroom you use most.
- Move extra or specialty products to a secondary spot, or let go of anything you never reach for so the clutter doesn’t creep back.
Benefits
Faster start
You spend less time hunting for products and more time actually cleaning.
Less cabinet clutter
Fewer bottles mean a simpler, tidier storage space.
Consistent results
Using a small set of trusted cleaners makes it easier to know what works where.
Easier to maintain
Replacing and restocking three core products is simpler than tracking a whole collection.
18
Apr
Add mildew cleaner to core-cleaning kit
Include a mold/mildew cleaner and a storm‑safe disinfectant in your cleaning kit.
What you will need
- Mold/mildew cleaner
- Storm-safe disinfectant
- Storage bin or shelf space
Steps to follow
- Review your current cleaning supplies and see if you have mold/mildew cleaner and a good disinfectant.
- Choose products safe for your surfaces and appropriate for storm cleanup.
- Store them together in an easy‑to‑reach spot near other cleaning basics.
- Make sure labels are readable and not expired.
- Let household members know where these “heavy‑duty” cleaners live.
Benefits
Faster cleanup
You can tackle mold spots or storm mess right away.
Healthier home
Proper disinfectants help handle contaminated water or surfaces.
Organized supplies
Heavy‑duty cleaners live in a clear, designated spot.
Regional readiness
Your kit matches the humidity and storm reality where you live.
17
Apr
Look for water damage in areas that get heavy rain exposure
Look for water damage along windows or walls that get heavy rain exposure.
What you will need
- Flashlight
- Notepad
Steps to follow
- Identify windows and walls that take the brunt of storms or prevailing rain.
- Look for stains, bubbling paint, or warped trim below those areas.
- Gently press suspicious spots to check for softness.
- Check for peeling caulk or cracked sealant at window edges.
- Note any areas needing sealing, repair, or a professional look.
Benefits
Early leak detection
Stops small intrusions before they become big repairs.
Protect finishes
Keeps drywall, paint, and trim in better condition.
Storm readiness
Shows you where rain hits hardest and where to reinforce.
Planning help
Lets you prioritize maintenance on your most exposed side.
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.