• Run a quick business review if you’re self-employed. Look at your profit, expenses, and taxes.

Annual: moneychangeseverything.substack.com/p/design-you...

Quarterly
• Hold a money meeting with your partner (or yourself). Review savings goals, investments, and spending.
• Rebalance investments if any one area has drifted from your target.
• Adjust contributions to savings and retirement if your income has changed.

Monthly
• Automate transfers to savings and retirement accounts, and any debt payments.
• Glance over your spending for the month—make sure there are no weird charges or habits creeping in.
• Pay off credit cards in full to avoid interest.

Trust me: You do not want to wait until December 20 to start this process.

If you want a calmer, more intentional start to the new year, this is the part you can’t skip.

✅ Why December 31 is the most unforgiving deadline in personal finance
✅ The retirement account cleanup every scattered 401(k) owner needs
✅ How donor-advised funds streamline charitable giving
✅ The capital gains and losses review that can shrink your tax bill this year

Inspired by Marie Kondo’s The Life-Changing Magic of Tidying Up, this week’s essay continues our three-part series on The Financial Home Edit — a year-end reset designed to make your money easier to manage and far more strategic.

Here’s what you’ll find:

You’ll want to “dissolve” any old LLCs by filing an “Articles of Dissolution.1” If you opened an S-Corp or Partnership and have a separate business entity, you’ll want to ask your accountant to file a final year tax return.

I still pay sixty bucks a year for some bizarre legacy version of Microsoft Office I can’t figure out how to cancel. Every time it renews, I get annoyed and then forget about it until the next year.

All this is clutter. And it does not spark joy.

✅ How to spot the hidden clutter draining your time and money
✅ Why visibility beats perfection when it comes to your finances
✅ The simple audit that creates instant clarity before 2026

If your money feels scattered, this one’s your clean slate.
moneychangeseverything.substack.com/p/declutter

Inspired by Marie Kondo's The Life-Changing Magic of Tidying Up, this week’s essay kicks off a three-part series on The Financial Home Edit — a practical reset to help you see your money clearly before the year ends.

Here’s what you’ll find:

What we’ll cover:
✅ How to spot the hidden clutter draining your time and money
✅ Why visibility beats perfection when it comes to your finances
✅ The simple audit that gives you instant clarity before 2026

If your money feels scattered, this one’s your clean slate.

Tomorrow’s post kicks off a three-part year-end mini-series inspired by The Life-Changing Magic of Tidying Up. It’s about decluttering your financial life so you can actually see what you have and stop wasting energy managing chaos.

Just do something. Most of the seeds you plant won’t sprout, but a few will. You really only need one to change everything.

Remember, one “yes” can pay for a decade of “no’s.”