Just like your home, your finances need a yearly deep clean. Spending a few hours reviewing your money once a year can save hundreds or even thousands. Think of it as your financial wellbeing MOT.
Bills and Utilities Check
- •Energy: Compare and switch providers if you're overpaying
- •Broadband/phone: Call your provider and ask for a better deal or switch
- •Insurance (car, home, pet, life): NEVER auto-renew — always compare at renewal
- •Council tax: Check your band and discounts
- •Water: Check if a meter would save you money
Subscriptions Audit
Savings and Investments Review
Credit and Debt Check
Frequently Asked Questions
When should I do a financial spring clean?+
March-April is ideal (aligning with tax year end), but any time works. Set an annual calendar reminder. Some people prefer January as part of their <a href='/blog/january-money-reset'>money reset</a>.
How much can a financial spring clean save?+
Typically £500-2,000/year from switching providers, cancelling subscriptions, and optimising savings rates. The few hours invested have an excellent return.
Should I do this myself or use a financial adviser?+
For the basics (bills, subscriptions, savings rates), do it yourself. For complex situations (pensions, investments, inheritance), a one-off session with a fee-based financial adviser can be worthwhile.
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