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Episode 94: Spring Clean Your Finances – The Checklist Every Household Needs

You’ve probably decluttered your closet. Maybe you’ve even deep-cleaned your garage. But when was the last time you did a full sweep of your finances?

In Episode 94 of the Last Paycheck podcast, CERTIFIED FINANCIAL PLANNER® professionals Rob and Archie Hoxton walk you through a step-by-step financial spring cleaning checklist—designed to help you get organized, protect your identity, and improve your long-term financial posture.

It’s easy to let financial tasks pile up. Forgotten subscriptions, old accounts, weak passwords, and scattered documents can create stress without you realizing it. This episode helps you tackle those issues head-on.

Why Now Is the Perfect Time to Clean House

Just like physical clutter creates mental clutter, financial disorganization can quietly weigh on your decisions. Missed payments. Overlapping services. Forgotten beneficiaries. These issues don’t seem urgent—until they are.

Spring offers a natural reset. Rob and Archie’s checklist is designed to help you reduce risk, catch oversights, and identify small wins that compound over time.

What This Episode Covers

Here’s a snapshot of the areas Rob and Archie suggest reviewing each spring:

  • Forgotten subscriptions: Review your credit card and app store statements for unused memberships.
  • Outdated passwords: Strengthen login security across financial platforms. Use a password manager if needed.
  • Dormant or duplicate accounts: Consider consolidating old checking, savings, or investment accounts.
  • Beneficiary designations: Check your retirement accounts, life insurance, and estate documents to ensure they reflect your current intentions.
  • Credit report: Pull your report from all three bureaus to monitor for fraud or reporting errors.
  • Portfolio allocation: Market shifts may have thrown your investment mix off balance. Rebalancing helps you manage risk appropriately.

Ask Yourself:

  • Do I have automatic payments for things I don’t actually use?
  • When did I last check my retirement account allocations?
  • If something happened to me tomorrow, would my spouse or partner know how to access everything?
  • Have I reviewed my estate plan since my last major life change?

Small Steps, Big Payoff

Financial maintenance doesn’t have to be overwhelming. A few focused hours each year can uncover savings, reduce risk, and bring you peace of mind.

Think of this as an annual financial “oil change.” You wouldn’t skip maintenance on your car—why skip it on your financial life?

Final Thought

Getting organized today means fewer surprises tomorrow. Whether you’re planning for retirement, managing a busy household, or just trying to be more intentional with your money, this checklist gives you a proven place to start.

Want a professional to walk through your financial spring cleaning checklist with you?

Schedule a no-pressure consultation with our team at www.hoxtonpm.com/schedule and let’s clean up your financial picture together.
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Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.