Annual money admin

One sitting a year keeps everything else honest. Total up the yearly bills with the Annual Expense Calculator and put a real figure on the subscriptions with the Subscription Cost Calculator.

Accounts and access

Make sure the right people can reach the right things.

Find the money that quietly leaves every month.

Work through your subscription list and cancel anything you have stopped using
Note the renewal date and current price of every insurance policy
Check your regular bills against a fresh quote Staying with the same provider rarely rewards you for loyalty.
List the annual and quarterly bills and split them into monthly amounts
Check the notice period and exit terms of any contract still running

Be ready for the paperwork the year will ask for.

Gather the statements and records you will need for the year
Check your own records against the statements and query anything that does not match
File last year's documents where you can find them again
Find the deadlines that apply to you and put them in the calendar Check the dates where you live — they differ by country.
Keep a dated copy of anything you send or file

Reset the plan for the year ahead.

Check each savings goal against the amount you planned to have by now
Adjust the monthly amounts if your income or costs have changed
Check what your insurance actually covers before you renew it
Decide what you will do with any surplus or shortfall this year
Check that your emergency fund still covers a month of essentials Rent, food and transport change, so the fund has to change with them.

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