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Improve Your Financial Situation in 10 Minutes or Less

Whether you’re single, married, retired or unemployed, your money is one of the most important areas in your life.

Don’t believe it? Try not paying attention to your money for a few months and see what happens to all the other areas of your life. But even though staying on top of personal finances is so important, a lot of us say we don’t have the time to get organized.

Really? You don’t have the time to plan out your future, your kids’ future? You do have the time. And to prove it, we’ve come up with a few quick, easy ways you can start getting your financial life in order. You can do each of these in 10 minutes or less.

Remember, though, this is just the start. When you’ve taken care of these things, you’re ready to really get focused and serious about your money.

Clean out and organize your wallet or purse.

A cluttered desk, wallet and filing cabinet can only mean one thing: a cluttered, disorganized mind. Start things off by getting out your wallet or purse and organizing your cash, debit cards, gift cards, etc. Get rid of any old stuff that you don’t need, like that 2-year-old receipt from Subway.

Set a goal for this month.

What’s your number-one goal you want to accomplish with your money this month? Write it down. Note the steps you will take to reach it. Put it on your desk and keep track of it all month long.

Get a term life insurance quote.

If you don’t have term life insurance, it’s a must-have part of your financial plan. You can input some preliminary information and get an online quote from Zander Insurance in minutes.

Review your will.

If you don’t have one, get one now. It’s easy and cheap to use US Legal Forms. If you already have a will, make sure it’s up to date. If you’ve had a baby or someone listed on your will has passed away, you need to make some changes.

Order a credit report.

This is a must. You can get a free credit report from each of the credit reporting agencies once a year from It takes just a few minutes to input some information, and you can see your report immediately.

Stop junk mail.

Tired of getting crap in your mailbox every day? Go to and sign up to get rid of all the unsolicited junk.