A fresh start for your finances this spring.
There’s something about March that feels like momentum.
The days are getting longer. The year is no longer “new,” but it’s also not too late to course-correct. This is the perfect time to check in and make sure your money is moving in the direction you want.
Here’s your March Money Checklist:
1) Review Your Credit Report & Score
If you haven’t checked your credit recently, now is the time.
Pull your free credit report at AnnualCreditReport.com and review it carefully.
Look for:
-
Incorrect balances
-
Accounts you don’t recognize
-
Late payments reported in error
Then check your credit score through your bank or credit card app.
Your credit score impacts:
-
Mortgage rates
-
Car loan rates
-
Insurance premiums
Awareness = leverage.
2) Update Your Net Worth
This is one of the most powerful financial habits you can build.
List:
-
Cash
-
Investments
-
Retirement accounts
-
Real estate
-
Business equity
Then subtract:
-
Mortgages
-
Student loans
-
Credit cards
-
Car loans
Your net worth is your financial scoreboard. You can use this net worth tracker.
Even if the number isn’t where you want it to be, tracking it builds clarity and momentum.
3) Review Your Investment Contributions
Are you contributing consistently to:
-
401(k)
-
Roth IRA
-
SEP IRA
-
Brokerage account
March is a great time to ask:
-
Am I investing at the level I intended for 2025?
-
Did I increase contributions after a raise?
-
Am I on track to max out retirement accounts this year?
Small increases now compound significantly over time.
4) Adjust Retirement Contributions If Needed
If you received:
-
A raise
-
A strong commission month
-
A profitable quarter
Consider increasing your retirement contributions by 1–2%.
You likely won’t feel it in your day-to-day spending, but your future self absolutely will.
5) Locate Unused Gift Cards & Credits
Check:
-
Wallet
-
Email inbox
-
Junk drawer
-
Online accounts
Unused gift cards, store credits, airline miles, and refunds are all “forgotten money.”
Put them to use intentionally:
-
Offset groceries
-
Cover a night out
-
Fund something already planned
Free money should support your goals — not disappear.
6) Review Subscriptions & Recurring Charges
Subscriptions quietly multiply.
Streaming services.
Apps.
Memberships.
Software.
Monthly auto-ship orders.
Pull up your bank or credit card statement and scan for recurring charges.
Ask:
-
Do I still use this?
-
Would I sign up for this again today?
Cancel what’s not adding value.
Redirect that money to savings, investing, or debt reduction.
7) Check Your Plan Ahead Spending Plan
March is a great time to look forward:
What’s coming in:
-
Spring break travel
-
Summer camps
-
Property taxes
-
Insurance renewals
If it’s on the calendar, it belongs in a savings bucket.
Expect the expected.
Final Thought
Money isn’t about perfection.
It’s about awareness.
Spend 30–60 minutes this month checking in, adjusting, and planning ahead. Small, consistent actions now create major results by the end of the year.
Future you will be glad you did.
If you need help building a system that keeps all of this organized and automatic, I’m here.
