The Spring 2025 Checklist: Save More Money

As the flowers bloom, this may be a good time to refresh your financial habits. Whether you’re aiming to save more, spend smarter, or make the most of your investments, these tips  may be able to help you revamp your financial strategy.

March

Declutter Your Inbox, Cut Temptation

Retailers can sometimes fill your inbox with discounts, but those emails may lead to unnecessary spending. Take a few minutes to unsubscribe from sales alerts that may encourage you to make impulse purchases. And remember—after claiming that first discount, opting out of those emails may help avoid future temptations.

Fine-Tune Your Tax Withholding

Life changes—getting married, buying a home, or welcoming a child—may affect your taxes. Review your tax withholding annually to check if you’re overpaying or underpaying. The IRS Tax Withholding Estimator should be able to help you make adjustments that may boost your take-home pay now instead of waiting for a refund.

Build a ‘Brag Folder’ for Your Career

Thinking about asking for a raise? Start collecting proof of your hard work now. Create a folder in your email where you save project successes, compliments from colleagues, and data showcasing your impact. When it’s time for your review, you may have a better chance at negotiating  a higher salary.

Avoid Costly Decisions—Get Some Sleep

Daylight Saving Time may throw off your sleep schedule, and being overtired may lead to poor financial decisions. Lack of sleep may make it easier to justify impulse purchases—like that expensive jacket you didn’t compare prices on. Consider giving yourself time to rest before making big financial moves.

Schedule a Monthly Money Date

Just like setting plans with a friend may make you more likely to follow through, scheduling a regular check-in with your finances may keep you on track. Block out time each month to review your budget, savings progress, and investment goals. A little planning today may lead to a more secure financial future.

Get Ready for Tax Season

April 15 is right around the corner! Take advantage of free tax filing services if you qualify, look for referral discounts from tax preparers, and keep an eye out for promotions on tax software. Every little bit saved could result in money back in your pocket.

Spring Break Savings on Lodging

 Hotels may offer some flexibility when it comes to pricing. Call directly to ask about discounts, check for AAA or other membership perks, or consider last-minute bookings for deals. Micro hotels, airport-adjacent stays, or accommodations undergoing renovations may also offer budget-friendly rates.

April

Master the Art of Negotiation

Your bills aren’t set in stone. Call your internet, cable, or phone provider and ask for a better rate—especially if a competitor offers a lower price. Speak to the retention department and mention any deals you’ve found. A polite but persistent approach may lead to potential savings.

Enjoy Free Entertainment

Bored on a rainy weekend? Your local library card may offer free access to museums, gardens, concerts, or even tool rentals. Skip pricey outings and explore what’s available for free in your community.

Reduce Food Waste & Save Money

Americans can waste up to 40% of the food supply each year.  You may be able to cut costs and waste by buying ‘ugly’ produce at a discount, freezing leftovers before they spoil, and keeping fresh foods front and center in your fridge to avoid forgetting about them.

Set Boundaries on Online Shopping

Spring sales can be tempting. To potentially curb impulse buys, consider setting time limits on shopping apps or restrict social media scrolling where ads dominate your feed. A little digital discipline may go a long way in protecting your wallet.

Put Your Tax Refund to Work

If you’re getting a refund, use it wisely. Consider boosting your emergency fund, paying down high-interest debt, or investing in your retirement. A strategic approach has the potential to turn that one-time windfall into lasting financial security.

May

Score a Deal on Baseball Season

Heading to a game? You may be able to save money by choosing weekday tickets, bringing your own snacks (if the stadium allows), and opting for minor league games, which often offer big fun at a fraction of the price.

Lower Your Auto Insurance Bill

Insurance premiums are climbing, but you may be able to cut costs. Safe driver programs, defensive driving courses, and shopping around for better rates could help lower your bill by up to 30%.

Audit Your Subscriptions

Streaming services, apps, and memberships can add up. Take a close look at your bank statement and cancel anything you no longer use. Redirect those savings into your emergency fund or investment accounts.

Celebrate Mother’s Day on a Budget

Show Mom you care without overspending. Plan a celebration on a non-peak day, opt for locally sourced flowers, or give a thoughtful DIY gift—sometimes, the best presents don’t come with a hefty price tag.

Keep Your Cookouts Affordable

Meat prices are rising, but you can still host a great barbecue without breaking the bank. Swap expensive cuts for budget-friendly alternatives, look for grocery store promotions, and consider chicken or pork instead of beef.

June

Cool Down Your Electric Bill

As temperatures rise, so can energy costs. You may be able to keep your home cooler by using insulated window coverings, setting your thermostat a few degrees higher, and upgrading to a more efficient AC unit if needed.

Don’t Overpay on Medical Bills

Billing mistakes happen. Before paying a medical bill, review the charges to check for accuracy and see if your insurance applied the correct discounts. If the cost is still too high, ask about payment plans or potential reductions.

Maximize Your 401(k) Contributions

Mid-year can be a great time to check your retirement savings. If possible, increase your contributions—especially if your employer offers a match. Small percentage bumps now can potentiallylead to significant long-term growth.

Spring is all about renewal—why not apply that mindset to your finances? By taking small, intentional steps today, you may be able to set yourself up for a more secure and successful year ahead.

Sources:

https://www.fidelity.com/learning-center/smart-money/financial-planning-checklist-for-spring

Disclosures:

This information is an overview and should not be considered as specific guidance or recommendations for any individual or business.

This material is provided as a courtesy and for educational purposes only.

These are the views of the author, not the named Representative or Advisory Services Network, LLC, and should not be construed as investment advice. Neither the named Representative nor Advisory Services Network, LLC gives tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. Please consult your Financial Advisor for further information.