Does anyone else get this weird surge of motivation to declutter, landscape, clean the car, and clean everything you possibly can during spring?
Perhaps we are conditioned to partake in spring cleaning, but whatever the reason- this is a great time to get sh*t done around the house.
Since your motivation is at a peak state, it’s a great idea to work in a few key financial habits while you are at it.
Because spring cleaning isn’t just for your home!
Today’s video discusses three easy habits to incorporate into your yearly spring cleaning routine.
As mentioned in the video, I wanted to give you all full access to the 9-step checklist. These are the financial housekeeping items that everyone should be doing at least once per year.
Grab your checklist >> here <<
Just to recap on the video content.
Opt-out of Junk Mail
Stop receiving credit card offers, refinance your home offers, and anything else you don’t want. Not only are you saving the environment, you are also decluttering your home. And we all know spring is about making your home neat and orderly.
Opt out at: optoutprescreen.com
You will have the option to opt out permanently (by mailing a form) or in 5 year increments. Pretty cool stuff!
Run your credit report
This is an important one. You need to know if someone is stealing your identity, if a bill unexpectedly was sent to collections, if there is inaccurate information that could potentially hurt your debt to income ratio when trying to purchase a house. (Hey, stuff happens.)
Once a year you are entitled to a free credit report. Read a prior post about things to look for in your credit report.
Run your report at: annualcreditreport.com
Adjust your payroll deductions
If you receive a large refund, it’s a good sign it’s time to adjust your payroll withholdings. A large refund means you gave the government an interest free loan by overpaying taxes. It also means that your monthly income should have been larger. For example, if you received a $3,000 refund, you should have been bringing home an extra $250 per month.
Talk to Human Resources, your Certified Public Accountant, or Payroll to have your deductions adjusted and your income increased.
That’s all for now.
Forever livin’ debt free,
Whitney