The birds are chirping, the days are longer, and your closet isn’t the only thing craving a refresh. While you’re busy dusting off shelves and tossing out old gear, don’t forget—your finances could use a cleanup too.

At Totemic, we believe spring is the perfect time to refocus and simplify. Whether you're tightening up your goals, cutting the clutter, or just trying to feel more in control, these strategies will help you head into summer with confidence.

Here are eight simple ways to spring clean your financial life—and yes, it’ll feel just as satisfying as a freshly vacuumed car.

1. Revisit Your Financial Goals

What do you want your money to do for you this year?

Whether you're saving for a long-overdue vacation, planning a home project, or building retirement wealth, now is a great time to clarify your goals. Write them down. Be specific. Instead of “save more,” try “put aside $5,000 by August for a family road trip.”

Make sure your goals match your income and expenses—and revisit them often. Life changes, and your financial plan should evolve with it.

Totemic Tip: We love helping clients get crystal clear on their priorities. If you're unsure where to begin, a short planning session can do wonders.

2. Consolidate Old Retirement Accounts

If you’ve changed jobs a few times, chances are you have some stray 401(k)s floating around. Consolidating them can simplify your investments, reduce fees, and make your strategy easier to manage.

Rolling them into an IRA or your current employer plan (if available) can bring everything under one roof.

Totemic Tip: Before you move anything, let’s review the investment options, fees, and potential tax implications. We’ll make sure you’re not losing out on any hidden benefits.

3. Review Your Legal and Estate Documents

Wills, trusts, beneficiary forms, powers of attorney—these aren’t things we look at every day, but they matter deeply. Life events like marriage, divorce, new children or grandchildren, or a job change mean it’s time for a quick review.

You don’t want your financial life to be up to chance—or out of date.

Totemic Tip: We partner closely with estate attorneys and can coordinate updates as part of your planning. This is one area where professional guidance is a must.

4. Declutter the Paper Pile

If your desk or kitchen counter is drowning in statements, it’s time to go digital. Most banks, investment platforms, and service providers offer paperless options. Not only is it better for the environment, it’s easier to find what you need—especially at tax time.

Scan and securely store the documents you still need, and shred the rest.

Totemic Tip: Cloud-based storage (like the eMoney Vault) keeps things tidy and accessible. We’re happy to walk you through how to organize it.

5. Automate What You Can

Let’s be honest: life gets busy. Automating things like bill payments, savings contributions, and investment deposits takes one more thing off your plate—and ensures consistency.

Set up recurring transfers to savings or your Roth IRA, schedule your mortgage or rent payments, and never worry about late fees again.

Totemic Tip: Double-check your cash flow before automating withdrawals. Set up alerts for low balances so you don’t accidentally overdraw.

6. Make a Plan to Tackle Debt

Debt doesn’t just weigh on your wallet—it weighs on your peace of mind. Whether you’re chipping away at student loans, credit cards, or car payments, having a plan matters.

You’ve probably heard of the snowball (pay smallest balances first) and avalanche (tackle highest interest rates first) methods. Either can work, depending on your style.

Totemic Tip: We often help clients figure out which strategy best fits their situation. It’s not just about numbers—it’s about staying motivated along the way.

7. Audit Your Subscriptions

From streaming platforms to monthly shave kits, subscriptions can sneak up on you. The average person spends close to $1,000 a year on these services—often without realizing it. Pull up your recent bank and card statements and highlight every recurring charge. Then ask yourself: Is this still worth it?

Totemic Tip: Cancel a few, then redirect that savings toward a high-yield savings account or monthly investment contribution. Small shifts can lead to big progress.

8. Close Old Accounts That No Longer Serve You

Do you have a checking account from college or a credit card you haven’t touched in years?

These accounts can add clutter to your financial life and even tempt unnecessary spending. Closing unused accounts streamlines things and helps you stay focused.

Heads up: Closing a credit card could impact your credit score, especially if it’s an older one. In some cases, it makes sense to keep the oldest accounts open and just tuck the card away.

Totemic Tip: We’ll help you sort through what stays and what goes, so you’re not guessing when it comes to your credit.

Ready to Clean Up Your Finances?

Just like decluttering your home, tidying up your financial life can feel like a breath of fresh air. You don’t need to do it all at once—but taking small, intentional steps now can reduce stress, save money, and bring greater clarity to your financial picture.

And the best part? You don’t have to go it alone.

At Totemic, we walk alongside our clients through every season of life—offering personalized strategies, thoughtful planning, and a relationship that puts your goals at the center.

Let’s talk about what spring cleaning looks like for your finances. Schedule a complimentary intro call today and let’s see how we can help you move forward with confidence.