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Spring Clean Your Financial Life

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!

Spring Clean Your Financial Life

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

 

 

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Whitney Hansen | Money Coach
My goal is to invest more money in my brokerage ac My goal is to invest more money in my brokerage account. 

So I created a fun Investing Challenge for myself.

💸I set up a $5,000 goal for investing
💸Made it fun through gamification and automation
💸Will transfer all of my saving each month and put it into my brokerage account
💸Invest it all in index funds

Small steps every week lead to great results.

Excited to see build more wealth! 

Comment below if you want to join me in investing more this year!
I *might* have enough money for a (unusable at the I *might* have enough money for a (unusable at the moment) ✈️ plane ticket for every time I have heard someone say they:

✖️Pay for a monthly service
✖️Bank at a specific financial institution
✖️Use a financial advisor
✖️Invest their money in a specific way

Or make any other financial decision solely because their parent told them to.

It’s not only okay, it’s healthy to make financial decisions based on what’s best for YOU. 

And sometimes that means going against the grain of what works for your parents or friends.
Our phase 1 of the kitchen remodel includes:
✖️ installing a kitchen island
✖️painting the kitchen cabinets
✖️ replacing kitchen backsplash 

We decided to save the money and NOT replace cabinets or countertops this year (since we are working on some real estate projects).

But there is a blog post live on WhitneyHansen.com with a full tutorial of how to paint your own kitchen cabinets... without sanding. 

It was a 2/10 on the difficulty process and 10/10 on the transformation process.😍
Applied knowledge is the key.🔑 Applied knowledge is the key.🔑
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Disclaimer

I do, on occasion, use affiliate links. This means that I could receive a small commission if you take advantage of the products or services I recommend throughout this site. My promise to you is to only recommend products that I would use myself or am considering using myself. :) Also, I work my booty off to provide unique content. Please remember that all content on this site is copyrighted. Quote away, but always link back to this site. © 2020. WhitneyHansen.com. Whitney Hansen is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and link to Amazon.com.

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