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April 27, 2017

Spring Clean Your Monthly Finances

A thorough review of your expenses and spending habits could help clear the clutter from your financial statements.


Your home isn’t the only thing due for a deep clean—your finances could probably use one, too. Not sure where to start? Check out the tips below for easy ways to clear the clutter from your monthly expenses.

Adjust your budget

If you’ve accumulated or paid off revolving debt, you might need to adjust your budget to reflect new payment amounts. Likewise, if your escrow payment increased or decreased, you might need to adjust for a higher or lower mortgage payment. If you’ve added or removed services with your cable company or cell phone provider, make sure to include these updates in your budget adjustments, too. Individually, small payment changes might not seem like a big enough deal to redo your entire budget. But, these small changes can accumulate into large chunks of change.

Reevaluate subscription services

There’s a subscription service for just about everything: cosmetic samples, athletic wear, shoes, jewelry, art supplies, dog and cat toys, perfume, gourmet snacks, and the list goes on and on. If you use more than one of these services, you know how quickly the monthly fees can add up. At the time that you subscribed, you probably thought $10 or $20 didn’t warrant a separate line item in your budget. But, if you’ve applied that same logic each time you subscribed to several services, you could have a real budget buster on your hands. Figure out how much you’re spending on these services each month and then decide if they’re all really worth it.

Shop around

Car insurance, cell phone, and cable companies are getting increasingly competitive. Use this to your advantage! Call competing companies and ask for quotes. Then, call your current service providers and ask them to match their competitors’ prices. You’d be surprised how often this can lead to lower monthly payments. Give it a try and let us know how much you’re able to save each month!