Can you believe that it's already February? By now, you've probably already started working on your New Year's Resolutions (and hopefully haven't give up yet), and are probably not writing 2016 on paperwork anymore. But there are still lots of things that need to be done for this upcoming year, and it's a great idea to get started on this list as soon as possible. Here is my list of 18 things to do for yourself, your household, and your finances.
18 Things To Do For Yourself, Your Household, And Your Finances
Financial Things to Do
Review Financial Accounts
Take a look at your list of financial accounts, including your emergency fund, college savings account, and retirement account. If you need to work on these accounts, develop a plan to do so.
Review Budget and Re-evaluate
The beginning of the new year is a great time to review your family budget and re-evaluate your expenses. Have things changed? Is there any way that you can cut expenses? Start from scratch and rebuild a new family budget.
Look at Your Credit Cards
Take a look at the credit cards that you are currently using. If you aren't carrying a balance, are you getting value, like cash back or travel points, from them? If not, consider looking for new ones. If you do have a balance, make sure you have the lowest annual percentage rate and develop a plan for paying them off.
If you belong to any reward programs, like frequent flier programs or hotel rewards, take a look at the accounts and see what points you've accumulated. Make sure that you are using these programs whenever you travel, to maximize the amount of points you can earn.
Life Insurance Documents, Wills, and Other Important Paperwork
Do you know where these important documents are? Get organized, and make sure your family members also know where these things are. Take a look at this home office organization post for more tips.
Have you looked at your credit reports recently? Check out this post to learn about how to order them and what to do with them.
Bill Payment Book
Do you have a good bill payment process? Check out this post and create a bill payment book to keep things organized.
Household Things to Do
Home Maintenance Binder
Read this post and create your own house maintenance binder.
Schedule Key Appointments
Schedule anything that needs to be done in or out of the home, like duct work cleaning.
If your home energy company offers a complimentary energy audit, make a call and get it scheduled. It's a great way to learn about ways that you can save money on heat, air conditioning, and electricity.
Everyone hates robo calls, and if you have a landline, you may be able to use the free NoMoRobo service to stop the calls.
Personal Things to Do
Have you seen your doctor lately, or key screenings like a skin check and a mammogram? If you haven't, make those appointments now. You should also make sure that your kids have appointments for annual physicals and the dentist.
Go through your closet and get rid of anything that doesn't fit or that you don't wear. Try to donate or sell as much as possible (check out this post for ideas on where to sell clothes and accessories).
Go Through Your Makeup and Other Beauty Products
Did you know that makeup and other beauty products expire? Go through your collection, and throw out anything that has expired.
Review Your Holiday Card List
If you send out holiday cards, it's a good idea to go through your list. Fix any addresses that were incorrect, and add anyone that you may want to send cards to next year.
Review Your Schedule
If you don't already have a new planner, check out this post. Then, go through all of the events that you have already scheduled, and add them into your planner.
It may be winter, but it's a good time to look at your summer plans. Summer camps do fill up early, so book them them so you don't miss out. It's also a good idea to look at any summer vacation plans.
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