Financial Spring Cleaning: 7 Money Moves to Make Now

After years of procrastination, I finally tackled all the items on my money to-do list. And the payoff was surprisingly big.
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A few years ago I read a news story that chilled my procrastinating little heart. It was about a guy who'd paid his cell phone provider thousands of unnecessary dollars -- simply by failing to update his calling plan. Long after everyone else was paying flat rates for unlimited yapping, Mr. If-It-Ain't-Broke was still shelling out for every minute.

I closed the newspaper and immediately, guiltily, checked my cell phone bill. A flat rate. Whew.

In truth, my husband, Rob, and I mostly stay on top of money matters. We pay our bills on time, watch our spending, and try to save. Even so, there's a seemingly endless list of financial tasks that we don't get around to. In our defense, we're busy: We have a 3-year-old son, demanding jobs, long commutes, aging cars, a new house, and all the extra demands that being in the military (Rob's employer) entails. Anything that doesn't have to happen now now now drops to the bottom of the to-do list and stays there.

But was this chronic neglect costing us money? This year I decided to tackle these tasks to find out.

Continued on page 2:  1. Reassess Our Insurance


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