5 Ways To Deep Clean Your Finances This Spring

by jiatongma

Feb 27 2023

Spring cleaning your accounts means cleaning your finances and making room for a better and fresher financial experience. Much clutter, messages, documents, and papers can pile up when using multiple accounts and credit cards.

The habit of finance management and cleaning also allows you to have a clear idea about your money. It also serves as a great source of understanding your cash flow. Therefore, it is vital for everyone to deep-clean their finance once in a while. 

If you use multiple credit cards, spend money without keeping a proper record, and stash away useless documents. You are surely missing the satisfactory feeling of a neat and clean account. 

Below are five significant ways to spring-clean your finances and prepare your accounts, credit card, and budget for the next season. 

Remove Unused Subscriptions And Memberships

Unused and useless subscriptions are a major source of clutter in your finances. Sometimes we are too lazy to unsubscribe from the memberships and programs that are no longer used. We feel that it is acceptable to pay a small subscription amount because you never know when we may need them again. 

Trust us, this never happens. We keep paying for these memberships for months till, one day; we realize that it is time to stop. The problem with unused subscriptions is not limited to the extra money we pay monthly. It also includes tons of emails, notifications, and messages that create extreme clutter and confusion in our personal and professional life.

Hence, it is a gentle reminder to take the first step towards decluttering the financial space and removing all unwanted or useless subscriptions. This will help you save those extra dollars and slow the need to declutter accounts and inboxes repeatedly.

Review Existing Credit Cards

We all have at least one debit or credit card that we keep swiping without being mindful of our budget and expenses. However, as fun as it sounds, it is never a good idea to keep using the card without reviewing your credit card details.

Reviewing the existing credit cards will help you better understand your expenditure ratio, and above all, it will protect you from theft, fraudulent transactions, and unauthorized charges. Regularly reviewing credit card details, statements, and transaction messages can save you from any serious financial problems. 

Moreover, there are plenty of promotional and awareness messages that are sent by the authorities to keep your account protected. Always check your emails and messages, read them, and delete them simultaneously if the message is not helpful in the future.

Some best credit cards in Singapore offer maximum protection against errors or fraud. They also keep a proper check on the comfort of their valuable customers and keep the spam minimum.

Prioritize Your Debts

The third most important factor in cleaning the finances is a clear image of when, where, and how to use money. If you must pay a debt or have bought something in installments, immediately start listing what you owe. 

Once you have a fair idea about the debt (no matter how bad the debt has gone), its payment deadline, and interest rate, develop strategies to make the debt payment more early and achievable. One must keep their financial record in check and prioritize debt payments over anything else because credit cards have a high-interest rate. Once you lose track of paying the debt installment, it becomes more difficult to manage later. 

If you have a good credit score, consolidating your debt through options like a personal loan or a balance transfer card can be beneficial. These methods allow you to pay off your debt with less interest and give you a more straightforward path to paying off your debt.

Automate Your Credit 

Automating the credit is a great idea to spring-clean your finances. It will not only help you in making hassle-free payments in time every month but will also ensure that you are paying the debt as quickly as possible. So, paying for the subscriptions and installments on time will result in fewer notifications and the stress of bill payments.

Automating the credit card also saves you from paying extra charges and unnecessary additional interest. If you automate your credit and savings, you can budget your money effectively and pay your debts efficiently. Moreover, it is helpful to stay on top of your finances and improve your overall credit score.

Organize Your Income and Expenses 

The last best tip to clean your finances and keep them less jumbled for a longer time is to keep a record of your expenses and income and create a habit of cleaning the inbox after documenting the activity. 

Keeping a check on your expense sheet can help you understand how far you are from your goals, how to reduce extra spending, and how to reallocate funds. Creating a record of expenses can also be very useful in organizing the overall expense ratio and focusing more on preparing for future payments. For instance, if you have a proper record of your expenses, you can also gain benefits by claiming deductions or credits.

Organized and well-managed expense documentation helps achieve future goals, keep track of investments, and monitor and identify unhealthy spending patterns.

It also helps create a habit of checking the clutter gathered at least once every month. A robust evaluation of your investments can also identify underperforming assets, risks, extra payments, and taxes attached to them.

Partner with Atome to manage your finances better

Partner with Atome to manage your finances better

Headquartered in Singapore with over 15,000 partnered merchants, Atome offers its users the choice and convenience of flexible payment options for a variety of products and services. The app allows shoppers to split their purchases across flexible interest-free monthly payments by scanning a partner retailer’s in-store QR code or upon website checkout. By splitting their payments, Atome users will be able to better manage their budget while making quality products and services more reachable.


Spring cleaning your finances is an excellent habit for organizing your money, keeping a record of your spending habits, and staying consistent with your future goals. Moreover, it is a healthy way to protect yourself from financial confusion and problematic budgeted plans.

Fortunately, BNPLs like Atome help you manage your monthly finances smartly without overspending your budget. So, partner with Atome the next time you want to shop for your favorite products or services.

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