Spring Cleaning Your Finances: A Step-by-Step Guide
- Rachel Birse
- May 14
- 4 min read
Ready to declutter your finances and start fresh this spring? 🌱
Let's take a step-by-step approach to clean up your money, set new goals, and build a financial future you can feel confident about. Keep reading to get started!
🌸 Out with the old, in with financial clarity! 🌸
Spring is the perfect time for a fresh start, and what better place to begin than your finances? Just like Nature feels refreshing in Spring, it can be a significant trigger to take a fresh look at your financial life. That said, there’s no need to wait for a new season or a specific date. Any time you set aside is perfect for checking in on your money. Clearing financial clutter can bring clarity, less stress, and uncover hidden opportunities.
The steps below are designed to make things easy and approachable. They don’t have to be done all at once or in any particular order. Think of them as areas that tend to hold the most “spare change” and are worth dusting off first. Ready for your money makeover? Let’s dive in!
Step 1: Review Your Budget – What’s Working and What’s Not?
Take a close look at your current budget. Is it still working for you? Are you spending more than you thought in certain areas or missing essential categories altogether? Spring is all about fresh starts, making it a great time to ensure your budget aligns with your current goals. Start by checking what works and what doesn’t. Are there areas where you could cut back or shift your priorities to save more?
💡 Sisterly Advice: If you haven’t already, try using our Untangle MINI—Self Serve to understand your spending habits better and adjust accordingly.
Step 2: Clean Up Your Subscriptions & Bills – Cancel what you don’t use!
Do you have subscriptions that you've forgotten about or haven’t used in months? It's easy for these little charges to sneak by unnoticed. Look at all your recurring bills and subscriptions, and cancel the ones that aren’t adding value to your life, even if someone else uses them. If a subscription no longer brings you joy, don’t feel guilty about letting it go. Whether it’s streaming services, gym memberships, or apps collecting dust, give yourself permission to cancel.
💡 Sisterly Advice: Set a reminder every 3-6 months to review your subscriptions so you don’t end up paying for things you don't need.
Step 3: Check Your Credit Score & Debt Plan – Small changes make a significant impact
Now's the time to check your credit score and closely examine your debt. Did you know that small changes in managing debt can significantly impact your financial future? You can check your credit score for free through agencies like TransUnion and Equifax (typically once a year), and some credit cards or banking apps also offer access to your score. Look for ways to pay off high-interest debt faster, and consider making extra payments on your credit cards or loans. Understanding where you stand will help you make more informed decisions moving forward.
💡 Sisterly Advice: Aim to pay more than the minimum payment on credit cards or loans. It’ll save you money in interest over time and help improve your credit score.
Step 4: Set New Money Goals – Refresh your financial vision
Spring cleaning isn’t just about what you take away; it’s also about what you add. Take some time to set new financial goals for the season. Whether you're building up an emergency fund, saving for a big purchase, or paying off debt, setting clear goals will keep you motivated and on track. Use the SMART goal method: make your financial goals Specific, Measurable, Achievable, Relevant, and Time-bound.
💡 Sisterly Advice: Break your larger goals into smaller, actionable steps. This makes them feel more manageable and provides a more straightforward path forward.
Ready to start fresh? Let’s declutter your finances together!
Don’t let your finances hold you back! Take the time to review, clean up, and set new goals this spring. It’s all about making small changes that lead to significant improvements. Are you ready to kick-start your financial spring cleaning? Let’s get started!
What’s Next?
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Ready to begin your journey towards financial independence? At Untangle Money, we strive to provide inclusive support for women and individuals who may feel underrepresented in traditional financial spheres, which are often dominated by cisgender men. We are here to help you achieve financial success with clear advice and practical solutions. Our affordable Untangle MINI Self-Serve makes it easy for anyone to get started. Join thousands of women enhancing their financial well-being. Explore our products and plans here, or contact us for a complimentary consultation.
Let this season of renewal be your money refresh moment 🌸 You don’t have to do it all at once. Just start!
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