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8 Expert Tips to Spring Clean Your Finances

8 Expert Tips to Spring Clean Your Finances. Spring is right around the corner. While you’re decluttering your closets and deep-cleaning your drapes, there might be another part of your life that could use a good sprucing up this spring — your finances.

8 Expert Tips to Spring Clean Your Finances

This is a great time to get your finances in order and clean up some of the clutter that may be lurking there too!  Ron Strand-Sorrell, EVP Chief Operating Officer, at Florida-based Axiom Bank explains why that’s so important — and how to go about doing it.

8 Expert Tips to Spring Clean Your Finances

“Your income and spending can change over the course of a year, sometimes drastically,” says Strand-Sorrell. “We usually take notice of the big changes, but all those little changes can add up and have a significant effect on your overall financial health.”

8 Expert Tips to Spring Clean Your Finances

Follow these eight expert tips on how to spring clean your finances, and you’ll be well on your way to getting your financial house in order.

8 Expert Tips to Spring Clean Your Finances:

  1. Review your budget. When was the last time you looked at your budget? A lot may have changed since then. Now is the time to revisit your income and expenses — and adjust them as needed. Try a new tech tool such as the Axiom GO mobile banking app that offers a budgeting tool, my $ Manager, to set savings goals and spending limits for various categories. The app notifies you when you’ve almost reached your limit.
  1. Organize your financial documents. Where do you store your bank statements and tax documents? Take a few hours to develop an organization system, whether that’s arranging documents in a plastic storage bin or creating PDFs to store on the cloud. Here’s a look at what you need to keep and what you can toss.
  1. Go paperless. Save trees and cut the clutter by opting out of receiving monthly paper statements for your accounts. Worried you’ll forget to pay your bill? Axiom GO will alert you when your bills are due. You can also opt for #4 below.
  1. Set up auto pay for your bills. Never miss a payment. Never pay a late fee. Just be sure the money will be in your account on the dates you’ve scheduled. If you’re not comfortable with auto pay, you can simplify the bill-paying process by sending money through a banking app like Axiom GO.
  1. Scrutinize your credit report. You are entitled to a free copy of your credit report from each of the three credit reporting agencies every year. Here’s how to get yours. Look for things like old accounts you’ve forgotten to close or multiple reports of the same debt. Check for errors, too, such as information for someone with a similar name appearing on your report.
  1. Evaluate your debt. How much do you owe? What are your interest rates? Set up a plan for paying it all off, prioritizing accounts with the highest interest rates. (Axiom GO has a cool budgeting tool, my $ Manager, that lets you set — and track — your own financial goals.) Be bold … give your credit holders a call and ask for a lower interest rate. They’ve been known to do it. Or consider transferring credit card balances to a no- or low-interest-rate card.
  1. Examine your insurance. Are you still getting the best deals on home, life and auto insurance? Have your coverage needs changed? Take a visual inventory of all your belongings. Photograph all of them and record approximately how much you paid for them.
  1. Find hidden charges. Check your phone, internet and cable bills to see if you’re paying for services or features you don’t use. Then get them turned off. If you’re not using your gym membership, cancel it. And make sure you’re not being charged for expired “free trials” that aren’t useful.

Axiom Bank, N.A, a nationally chartered community bank headquartered in Central Florida, provides retail banking services, including checking, savings, money market and CD accounts, as well as commercial banking, treasury management services and commercial loans for both real estate and business purposes.

Disclosure:  This is a sponsored post on behalf of Axiom Bank NA.  All opinions are 100% our own.

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  1. I just did a lot of the items on the list and ended up saving on my insurance. I do not like autopay since I do not have regular pay dates but it is really smart for those who do! Great suggestions! We can’t overlook spring cleaning for our finances!

  2. We often think about organizing our finances in the beginning of the year or towards end of year before the beginning of a new year. I think it’s a great idea to look through things at least twice a year or even once a quarter. Item #7 is definitely a good place to review. Definitely an opportunity to save some money by reviewing various options out there.

  3. Oh Man this is really helpful for us right now. We are really trying to focus on keeping on budget and paying off bills. I love these great tips to keeping things in line and great for our finances.

  4. The paper junkie here has finally seen the benefits of going paperless. It is the happenin’ project in our home right now. I do need to work on the other areas you’ve touched on.

  5. These tips are great! I am working on building savings, increasing credit score, and keeping tabs on excess spending. For the first time in ages we have something actually in savings beyond change! The beginning of the year is always the best time to set yourself up for success.

  6. I totally need to do this. Especially as last week my EBay account was hacked and I ended up having to cancel loads of cards which have affected all my autopayments etc. Such a pain! We also need to review our budget, we are both terrible with money and avoid dealing with it properly like many people. On a plus note we are making great progress on our credit card payments so I won’t beat us up too much!

  7. We are getting so much better at adulting this year, and our finances are certainly part of being a responsible adult. I love your tips. Normally, evaluating our budget is just a once a year time thing. It makes sense to evaluate as the year goes on as things are always in flux.

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