Ah, spring. The time of year where we clean out our closets, work on our fitness and, of course, spit-shine our finances. Here's the thing about spring-cleaning financial to-do lists, though: They are real pie in the sky — and almost always about stuff you should do regularly anyway.
"Check credit score." "Review budget." "Pay yourself first."
How do I know? I've written one or two (or three) of them. So, this year, to inspire myself to actually get some financial spring-cleaning done, I'm getting real granular.
Here's my list of "annoying money stuff I just can't seem to bring myself to do." Hopefully, it generates some ideas for yours.
- Transfer 401(k) from old employer to my personal individual retirement account.
- Change tax-withholding because of GOP tax plan.
- Sign up for e-statements from all my banks and credit card issuers so they stop sending paper statements to my mom's house.
- Tell all my bank and credit card companies I no longer live at my mom's house.
- Delete all the personal finance apps I tried unvaliantly, but failed to use (#xennial4ever).
- Get disability insurance quotes because I have a house now and how am I gonna pay my mortgage if I get sick?
- Close low-rewards credit card before I get hit with its $95 annual fee ... again.*
- Make newish husband the beneficiary on my retirement accounts. (I did remember to make him my life insurance beneficiary after we got married in October.)
- Put my cell phone number on The National Do Not Call Registry so maybe scammers in Colorado stop calling me.
- Make husband do the same.
- Set dog food for my new dog to auto-ship when the cat food for my cats does.
- Cancel UFC Fight Pass because we stopped watching fights, like, eight months ago.
- Cancel renters insurance because I have homeowners insurance now. (I didn't know that policy would auto-renew!)
- Convert to annual Amazon Prime membership now that the monthly price has gone up.
*Sorry, the nerd in me has to explain this: Closing credit cards can hurt your credit score. But if you've got other cards and/or low-to-no balances, it's sometimes the right thing to do. I don't use this card, mostly because I get better rewards on my others ones, but I've paid this stupid fee for the past few years simply because I keep forgetting to cancel.