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

14 Dec
Taxes

Keep track of HSA reimbursements and receipts

Time to complete: 40 min

Difficulty: Medium

Health Savings Accounts (HSAs) allow tax-free withdrawals for qualified medical expenses, but you must keep good records. Tracking receipts ensures you can reimburse yourself months or even years later. Clear, organized receipts help you avoid mistakes and maximize the tax benefits of your HSA.

What you will need

  • HSA account login
  • Paper or digital filing system
  • Receipts for medical expenses
  • Spreadsheet or tracking app

Steps to follow

  1. Collect all medical receipts for the year, both digital and paper.
  2. Create a folder labeled “HSA Reimbursements” for easy tracking.
  3. Log each expense with date, amount, and purpose.
  4. Upload photos or scans so you have backups.

Benefits

Protect your tax advantage

Proper records make withdrawals tax-free.

Stay organized

Avoid scrambling during tax season.

Build long-term value

Unused HSA funds can stay invested and grow.

13 Dec
Spending

Set alerts on your credit cards for transactions over a set amount

Time to complete: 20 min

Difficulty: Easy

Turn on credit card alerts so you’re notified instantly when large purchases occur.

What you will need

  • Credit card mobile app
  • Online banking access
  • Notification settings

Steps to follow

  1. Open your credit card app and find the “alerts” or “notifications” section.
  2. Choose a transaction amount that makes sense for your budget.
  3. Turn on SMS, email, or push notifications.
  4. Watch for any unexpected alerts and report anything suspicious immediately.

Benefits

Catch fraud fast

Instant alerts help stop unauthorized charges.

Stay within budget

Awareness keeps spending in check.

Feel more in control

Real-time updates build good habits.

12 Dec
Taxes

Adjust your W-4

Time to complete: 30 min

Difficulty: Easy

Update your W-4 to make sure your tax withholdings are accurate.

What you will need

  • Employer payroll portal
  • Recent pay stub
  • IRS withholding estimator

Steps to follow

  1. Log into your payroll or HR portal to find the W-4 section.
  2. Use the IRS withholding calculator to estimate the right amount of tax.
  3. Update your W-4 based on your current income and personal situation.
  4. Submit the changes and check your next paycheck to confirm accuracy.

Benefits

Avoid tax surprises

Prevents big bills or huge refunds.

Match your current situation

Reflects changes in dependents or income.

Improve monthly cash flow

Ensures your paycheck feels “just right.”

11 Dec
Insurance

Submit out of network insurance claims

Time to complete: 45 min

Difficulty: Medium

Send any out-of-network medical bills or receipts to your insurance company for reimbursement.

What you will need

  • Insurance claim form
  • Itemized bills and receipts
  • Explanation of benefits (EOB)
  • Insurance portal login

Steps to follow

  1. Gather all receipts and itemized bills from out-of-network providers.
  2. Log in to your insurance portal to find the claim submission form.
  3. Fill in required information such as visit date, provider, and billing codes.
  4. Attach scanned receipts or upload photos of the documents.
  5. Submit the claim and check back for updates or additional requests.

Benefits

Save money

Get reimbursed for eligible expenses.

Reduce tax stress

Organized medical receipts help with deductions.

Avoid lost claims

Submitting now prevents missed deadlines.

10 Dec
Taxes

Categorize your home office expenses

Time to complete: 50 min

Difficulty: Medium

Organize and track your home office expenses to prepare for tax season.

What you will need

  • Receipts (digital or paper)
  • Spreadsheet or tax software
  • Folder for organizing documents

Steps to follow

  1. Gather all receipts and statements related to your home office from the past year.
  2. Sort them into categories: equipment, utilities, internet, and supplies.
  3. Log each category into a spreadsheet for tax tracking.
  4. Check IRS rules to understand what counts as deductible.

Benefits

Save on taxes

Organized records make deductions easier.

Reduce stress

No last-minute scrambling at tax time.

Improve accuracy

Clear categories prevent missed deductions.

09 Dec
Spending

Check if your utility company offers budget billing

Time to complete: 20 min

Difficulty: Easy

See if your utility company offers programs that even out high winter bills.

What you will need

  • Utility account login
  • Recent bills
  • Company’s program descriptions

Steps to follow

  1. Log into your utility provider’s online portal.
  2. Look for “budget billing,” “bill smoothing,” or “averaged billing.”
  3. Review program terms and eligibility.
  4. Enroll if the plan helps even out winter costs.
  5. Monitor your usage to avoid year-end adjustments.

Benefits

Predictable bills

Avoid winter spikes.

Budget-friendly

Spreads expenses across the year.

Reduces stress

No surprise high charges during cold months.

08 Dec
Saving

Maximize your Health Savings Account (HSA)

Time to complete: 30 min

Difficulty: Easy

Check whether you’ve contributed enough to your HSA and take advantage of its triple tax benefits.

What you will need

  • HSA account login
  • List of medical expenses
  • IRS contribution limits

Steps to follow

  1. Log into your HSA and check how much you've contributed this year.
  2. Compare your total to the IRS annual limit.
  3. Add extra funds if you have room before the end of the year.
  4. Save receipts so you can reimburse yourself later if desired.

Benefits

Reduce taxes

Contributions lower taxable income.

Build a medical buffer

Funds can grow year after year.

Flexible use

Spend now or save for future health needs.

07 Dec
Taxes

Do a pro forma tax forecast

Time to complete: 60 min

Difficulty: Medium

Run a pro forma tax estimate to predict your year-end tax situation and make smart adjustments.

What you will need

  • Pay stubs
  • Tax software or an online calculator
  • List of deductions and contributions

Steps to follow

  1. Gather your year-to-date income and deductions.
  2. Enter the numbers into tax software or an IRS estimator.
  3. Review your projected tax bill or refund.
  4. Decide whether to donate, defer expenses, or adjust withholding.

Benefits

Reduce tax surprises

Know what you owe or will get back.

Plan deductions

Make smart moves before year end.

Improve accuracy

Helps you start the new year with clarity.

06 Dec
Spending

Confirm your credit card promotional APRs

Time to complete: 25 min

Difficulty: Easy

Check when your promotional interest rates end so you don’t get surprised by higher charges.

What you will need

  • Credit card statement or online account
  • Calculator
  • Notes app

Steps to follow

  1. Log into your credit card account and find the promotional APR details.
  2. Note the exact expiration date.
  3. Review your current balance and estimate future interest after expiration.
  4. Plan extra payments if the promo ends soon.
  5. Consider a balance transfer card if needed.

Benefits

Avoid surprise interest charges

Know when your rate increases.

Plan ahead

Adjust payments before the promo ends.

Stay in control

Manage debt strategically.

Home

14 Dec
Consumer Electronics

Check outdoor camera positions after storms or high winds

Time to complete: 10 min

Difficulty: Easy

Make sure outdoor security cameras are aligned and functioning properly after storms.

What you will need

  • Phone or camera app
  • Microfiber cloth
  • Ladder (if mounted high)

Steps to follow

  1. Open your camera app to check live views.
  2. Adjust camera angles if storms shifted them.
  3. Wipe lenses clean of snow, water spots, or debris.
  4. Test motion detection by walking past the camera.

Benefits

Improve security

Prevent blind spots that compromise safety.

Avoid service costs

Minor fixes prevent hardware damage ($50–$100 saved).

Ensure clear footage

Better visibility helps with insurance claims.

13 Dec
Home Renovation

Check the basement for leaks during thaws

Time to complete: 15 min

Difficulty: Easy

Inspect your basement for leaks during winter thaws to prevent water damage.

What you will need

  • Flashlight
  • Towel or moisture meter
  • Notepad

Steps to follow

  1. Walk the basement perimeter during or after a thaw.
  2. Check walls and floors for wet spots or seepage.
  3. Feel for dampness using a towel or moisture meter.
  4. Inspect around windows and utility fittings for leaks.
  5. Record and monitor any areas showing moisture.

Benefits

Avoid basement repairs

Water damage can cost $1,000–$5,000.

Catch structural issues early

Prevents long-term foundation repairs.

Reduce mold risks

Early detection avoids remediation costs.

12 Dec
Home Renovation

Shovel decks and patios

Time to complete: 20 min

Difficulty: Easy

Clear snow from decks and patios to prevent moisture damage and surface rot.

What you will need

  • Plastic snow shovel (safer for decking)
  • Ice melt (deck-safe)
  • Broom

Steps to follow

  1. Use a plastic shovel to remove snow in the direction of the boards.
  2. Sweep remaining snow to clear moisture pockets.
  3. Apply a deck-safe ice melt on slippery areas.
  4. Check railings for ice buildup and knock it away gently.

Benefits

Prevent costly repairs

Deck rot repairs can cost $500–$3,000.

Avoid slipping injuries

Safer walking surfaces reduce medical bills.

Extend deck life

Moisture control delays resurfacing or replacement.

11 Dec
Consumer Electronics

Check power strips and surge protectors

Time to complete: 15 min

Difficulty: Easy

Inspect surge protectors to make sure they’re working before winter storms hit.

What you will need

  • Flashlight
  • Replacement surge protector
  • Power strip with surge indicator

Steps to follow

  1. Inspect surge protectors for cracks, melted spots, or loose plugs.
  2. Check the indicator light to confirm surge protection is still active.
  3. Replace any protectors older than 3–5 years or showing wear.
  4. Test connected devices to ensure proper operation.

Benefits

Protect electronics

Prevent surge damage costing $200–$1,000+.

Extend device life

Stable power reduces wear on sensitive components.

Improve safety

Less risk of electrical fires from overloaded strips.

10 Dec
Electrical Appliance

Clean out your freezer

Time to complete: 25 min

Difficulty: Easy

Sort your freezer contents and toss freezer-burned food to save space and reduce waste.

What you will need

  • Trash bag
  • Marker and labels
  • Microfiber cloth

Steps to follow

  1. Empty one shelf at a time to avoid thawing.
  2. Check each item for excessive ice crystals or damaged packaging.
  3. Discard freezer-burned food safely.
  4. Label and reorganize remaining items by category.
  5. Wipe down shelves before restocking.

Benefits

Reduce food waste

Eliminates spoiled items ($20–$50 saved monthly).

Improve efficiency

Less clutter helps the freezer cool evenly.

Save money

Knowing what you have prevents duplicate purchases.

09 Dec
Interior Decoration

Move cleaning supplies out of pets’ reach

Time to complete: 15 min

Difficulty: Easy

Store medications and cleaning products safely to protect pets from accidental ingestion.

What you will need

  • Cabinet locks
  • High shelves or storage bins
  • Labels

Steps to follow

  1. Gather medications and cleaners from low or open areas.
  2. Move them to high cabinets or install child/pet safety locks.
  3. Use labeled bins to keep everything organized.
  4. Secure the cabinet fully before letting pets roam.

Benefits

Avoid emergency vet bills

Prevent ingestion incidents ($200–$1,000).

Protect pets

Reduced risk of toxic exposure.

Improve home safety

Keeps dangerous items away from kids too.

08 Dec
Home Renovation

Clear snow and ice around your entry and pathways

Time to complete: 20 min

Difficulty: Easy

Remove snow and ice from your entry and walkways to prevent slips and improve access.

What you will need

  • Snow shovel
  • Ice melt or sand
  • Gloves

Steps to follow

  1. Shovel fresh snow from walkways and steps.
  2. Spread ice melt or sand to increase traction.
  3. Break up stubborn ice patches with a sturdy shovel.
  4. Recheck later if temperatures drop again.

Benefits

Prevent injuries

Avoid medical bills from slips ($500–$5,000).

Protect surfaces

Less freeze–thaw stress reduces repairs.

Improve accessibility

Safer paths for deliveries and guests

07 Dec
Electrical Appliance

Clean your gas burners

Time to complete: 30 min

Difficulty: Medium

Clean and inspect gas burners to improve safety, reduce CO₂ risks, and boost cooking performance.

What you will need

  • Brush or toothpick
  • Mild dish soap
  • Cloth
  • Warm water

Steps to follow

  1. Turn off the stove and remove burner caps.
  2. Brush burner ports gently to remove debris.
  3. Soak caps in soapy water and scrub clean.
  4. Wipe the stovetop and dry all parts.
  5. Reassemble burners and check for a blue flame.

Benefits

Improve efficiency

Stronger flames reduce cooking time.

Prevent CO₂ issues

Clean burners reduce incomplete combustion.

Avoid repairs

Prevent clogged ports that lead to service calls ($100–$200 saved).

06 Dec
Electrical Appliance

Clean your microwave

Time to complete: 15 min

Difficulty: Easy

Clean the inside of your microwave to remove splatters, odors, and bacteria.

What you will need

  • Microwave-safe bowl
  • Water
  • Vinegar or lemon juice
  • Sponge or cloth

Steps to follow

  1. Place water and vinegar or lemon juice in a bowl and microwave for 3 minutes.
  2. Let steam sit for 1–2 minutes.
  3. Wipe the interior clean with a sponge.
  4. Scrub the turntable and return it.
  5. Wipe the exterior and handle to finish.

Benefits

Avoid appliance wear

Clean interiors heat food more evenly.

Prevent odors

Reduces lingering smells and bacteria.

Avoid replacement

Regular care extends appliance lifespan ($100–$300 saved).