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

15 Jan
Financial Planning

Record important financial deadlines

Time to complete: 30 min

Difficulty: Easy

Create one list of key financial deadlines so nothing slips through the cracks.

What you will need

  • Calendar or planner
  • List of known bills and obligations
  • Reminder app

Steps to follow

  1. List deadlines for bills, taxes, insurance, and benefits.
  2. Add them to a digital or physical calendar.
  3. Set reminders at least one to two weeks in advance.
  4. Review the list regularly and update as needed.
  5. Keep everything in one central place.

Benefits

Avoid late fees

Stay ahead of due dates.

Reduce stress

No last-minute scrambling.

Stay organized

All deadlines in one place.

15 Jan
Financial Planning

Establish impulse-buy rules

Time to complete: 20 min

Difficulty: Easy

Set simple rules that help you pause before unplanned purchases.

What you will need

  • Notes app
  • Budget

Steps to follow

  1. Decide on a dollar limit that triggers a pause.
  2. Set a waiting rule (24 hours or overnight).
  3. Agree on when to check in with a spouse or partner.
  4. Write the rules down so they’re clear.
  5. Review and adjust if needed.

Benefits

Reduce regret

Fewer emotional purchases.

Protect savings

Money stays aligned with goals.

Build self-control

Clear rules make decisions easier.

14 Jan
Saving

Review your energy costs and find small ways to reduce them

Time to complete: 45 min

Difficulty: Medium

Look at how and when you use energy to lower monthly costs.

What you will need

  • Utility bills
  • Utility provider website

Steps to follow

  1. Review the last few months of utility bills for patterns or spikes.
  2. Check if your provider offers off-peak or time-of-use pricing.
  3. Identify high-use times and consider shifting usage when possible.
  4. 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
Investing

Review your stock portfolio for any dividend returns

Time to complete: 30 min

Difficulty: Medium

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

  1. Log into your brokerage account.
  2. Identify stocks or funds that pay dividends.
  3. Check whether dividends are reinvested automatically.
  4. Decide if the current setup fits your goals.
  5. 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
Insurance

Know your health insurance benefits

Time to complete: 35 min

Difficulty: Medium

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

  1. Review your plan’s deductible, copays, and out-of-pocket maximum.
  2. Check which services are covered or limited.
  3. Note rules for out-of-network care.
  4. Save customer service contact info.
  5. 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
Financial Planning

Increase financial visibility

Time to complete: 45 min

Difficulty: Easy

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

  1. Choose one tool to track your finances (app or spreadsheet).
  2. Connect or enter your main accounts: checking, savings, credit cards, loans.
  3. Review balances and recent activity in one view.
  4. 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
Credit Cards

Organize and check your travel loyalty points

Time to complete: 40 min

Difficulty: Easy

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

  1. Log into each airline, hotel, and rewards account you use.
  2. Record your current points or miles balances.
  3. Check expiration or activity rules for each program.
  4. Note simple ways to keep points active (small purchase, transfer).
  5. 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
Saving

Pick a savings challenge for the year

Time to complete: 20 min

Difficulty: Easy

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

  1. Review popular savings challenge ideas.
  2. Pick one that fits your income and lifestyle.
  3. Decide how long you’ll commit (month, quarter, year).
  4. Track progress in a simple way.
  5. 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
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

Lifestyle

15 Jan
Appliances

Clean your dishwasher spray arms

Time to complete: 20 min

Difficulty: Easy

Remove and rinse dishwasher spray arms to improve cleaning performance.

What you will need

  • Toothpick or small brush
  • Warm water

Steps to follow

  1. Remove spray arms according to the manual.
  2. Rinse under warm water.
  3. Clear blocked holes with a toothpick.
  4. Reinstall arms securely.
  5. Run a short cycle to test.

Benefits

Avoid service calls

Clogs often mimic mechanical failures ($100–$250 saved).

Improve efficiency

Better spray reduces repeat washes.

Extend appliance life

Proper flow prevents pump strain.

13 Jan
Interior Decorating

Clean your desk

Time to complete: 25 min

Difficulty: Easy

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

  1. Clear the desk surface completely.
  2. Sort papers into toss, shred, and keep piles.
  3. Shred sensitive documents immediately.
  4. File what you keep into labeled folders.
  5. 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
Appliances

Inspect and clean your vacuum’s roller brush

Time to complete: 15 min

Difficulty: Easy

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

  1. Unplug the vacuum.
  2. Remove the roller brush cover if needed.
  3. Cut away wrapped hair and debris.
  4. Wipe the brush clean.
  5. 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
Interior Decorating

Upgrade your lighting

Time to complete: 30 min

Difficulty: Easy

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

  1. Test all fixtures and note any flickering or dead bulbs.
  2. Confirm bulb type suits the room (task, ambient, or accent lighting).
  3. Replace old bulbs with LEDs where possible.
  4. Clean shades and covers to maximize brightness.
  5. 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
Interior Decorating

Organize a small “thank-you gift drawer”

Time to complete: 20 min

Difficulty: Easy

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

  1. Choose one drawer or container for thank-you supplies.
  2. Sort cards, ribbons, and bags by size or type.
  3. Remove damaged or unused items.
  4. Add dividers to keep items neat.
  5. 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
Interior Decorating

Reorganize your house to make it easier to clean

Time to complete: 35 min

Difficulty: Medium

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

  1. Identify hard-to-clean gaps between furniture and walls.
  2. Shift furniture slightly to allow tool access.
  3. Align pieces to reduce dust-trapping corners.
  4. Test vacuum or mop access.
  5. 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
Interior Decorating

Clean plant leaves with a damp cloth

Time to complete: 10 min

Difficulty: Easy

Wipe plant leaves to remove dust and improve light absorption.

What you will need

  • Soft cloth
  • Water

Steps to follow

  1. Support each leaf gently.
  2. Wipe with a damp cloth from base to tip.
  3. Check for pests while cleaning.
  4. 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
Interior Decorating

Flip and rotate sofa cushions to redistribute wear

Time to complete: 15 min

Difficulty: Easy

Flip and rotate cushions to extend sofa life and maintain comfort.

What you will need

  • Vacuum
  • Lint roller (optional)

Steps to follow

  1. Remove cushions completely.
  2. Vacuum underneath and cushions.
  3. Flip and rotate before replacing.
  4. 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
Interior Decorating

Upgrade your bathtub experience

Time to complete: 30 min

Difficulty: Medium

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

  1. Identify what feels lacking (pressure, storage, comfort).
  2. Replace showerhead or faucet.
  3. Install a shelf or platform for bath items.
  4. 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.

Pets

12 Jan
Pet Health

Set up a pet emergency fund

Time to complete: 30 min

Difficulty: Easy

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

  1. Decide on an initial goal, such as $300–$500.
  2. Open a separate savings account labeled “Pet Emergency Fund.”
  3. Set up an automatic monthly transfer, even $10–$25 helps.
  4. Add to the fund when possible (tax refunds, bonuses).
  5. 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.