Perfect time to spruce up your financial affairs

Published date08 April 2024
Publication titleEvening Gazette
But April is upon us, gardens and parks are starting to bloom, and it's time for a spring clean

While you're airing out the house and boxing up things for the charity shops, why not take a bit of time to spruce up your finances, too?

Here's my guide to the big four life laundry tasks that will help you keep on top of the year ahead. GET THE DIARY OUT Speaking as someone existing in a constant state of chaos, diary management does not come easily to me. But it's a skill I've had to learn.

It doesn't matter if you use the calendar on your laptop or phone, or if you prefer a traditional desk diary.

Start by adding in the dates when key contracts come up for renewal. With insurance, you can usually negotiate a better renewal price if you contact the business around four weeks before the renewal date, so make

Make a note dates for and other sure you pop that date in the diary.

Record contracts that debit a big chunk of money once a year, too.

From membership schemes to anti-virus software, have a hunt through your bank accounts, credit cards and e-payment services so you know when they are due (and if you want to renew them).

TACKLE YOUR PASSWORDS Changing your online passwords is vital. There have been tons of data leaks and breaches recently, so don't make it easy for fraudsters.

My fellow TV expert and technology specialist, David McClelland has these top three tips: ¦ Never reuse the same password for different online accounts: Make sure every account is secured using a unique, difficult-to-guess passphrase.

¦ Use a trustworthy 'password manager' app: These digital safes remember credentials so you don't have to and can create complicated passwords on your behalf.

¦ Enable 'multi-factor authentication' for online accounts that support it (most of the main online services do): As well as a username and password, you'll be sent a code to your mobile or asked to authenticate using an app on your phone.

My...

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