7 Smart Tips to Get Your Finances in Shape This Spring

As the days get longer and temperatures start to rise, it’s the perfect time to not only spring-clean your home but also tidy up your finances.

"Just like spring cleaning, organizing your finances can help you enter the warmer months feeling clear-headed and relaxed," says Manuel Peichl, Financial Health Expert at Anyfin. Here are seven simple but effective tips to get your finances spring-ready.

Do you have multiple checking or savings accounts, some of which you rarely use? The more streamlined your accounts, the easier it is to keep track of your money.

Peichl recommends: “A dedicated everyday account for income and spending, and a separate savings account for your emergency fund, are essentials. Ideally, your savings account shouldn't be linked to a debit card to reduce temptation. You can also consider setting up a long-term savings account for investments, or a ‘fun fund’ for things like dining out and vacations.”

Whether it’s a summer holiday, a big purchase, or just building a financial cushion, setting a clear savings target makes it much easier to stay motivated and focused.

Standing orders are a great way to save consistently. Schedule an automatic transfer to your savings account right after payday—you won’t even miss the money.

You can also automate bill payments. Direct debits or scheduled transfers ensure you never miss a due date or rack up late fees.

How much interest are you paying on your credit card or overdraft? Often, there’s money to be saved by switching to better options.

Peichl advises: “If you’re using your overdraft or credit card regularly, consider consolidating to a lower-interest loan. If you rarely need them, think about canceling altogether to avoid falling into debt traps.”

Many people pay more than necessary for things like insurance, electricity, or internet. Keeping a digital overview of your contracts makes it easier to track renewal dates and switch providers when better deals arise.

“The same goes for subscriptions and memberships,” Peichl adds. “You might not use streaming services as much in summer, so why not pause or cancel and save a bit?”

Spring cleaning the attic, basement, or wardrobe can pay off. Selling unused items online not only frees up space but also puts extra money in your pocket.

Impulse buys can quickly drain your wallet. A simple hack: delete saved payment methods from your favorite online stores.

“If you have to manually enter your card details, it adds just enough effort to stop spontaneous purchases,” says Peichl.

With these easy steps, you’ll have your finances in top shape—ready to enjoy a stress-free spring!

About Manuel Peichl

Manuel Peichl is a Financial Health Expert at Anyfin. As the deputy head of customer service, he is in direct contact with consumers on a daily basis. This gives him a deep understanding of the questions, challenges, and needs they face in financial matters.

About Anyfin

Anyfin is a fintech on a mission to simplify loan repayments and improve the financial well-being of millions. We help consumers reduce the costs of high-interest loans, and take control of their repayment plan. The company was founded in 2017 by Mikael Hussain, Sven Perkmann, and Filip Polhem, all of whom have extensive experience from tech giants like Klarna, Spotify, and iZettle. Anyfin is currently operating in its home market of Sweden as well as in Germany, Finland, and Norway.