Family Subscription Audit Checklist

📂 Documents

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  Bank statements and pay stubs gathered (last 3 months)
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  Account logins verified and passwords updated
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  Important financial documents stored securely (fireproof safe or cloud)
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  Tax returns from last 3 years accessible
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  Social Security cards and birth certificates secured
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  Will and estate documents reviewed and accessible
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  Investment account statements downloaded
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  Credit reports pulled (free annual from each bureau)

💳 Budget & Cash Flow

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  Monthly income and expenses updated in tracking tool
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  Savings goals reviewed and auto-transfers confirmed
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  Variable expenses tracked and categorized
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  Subscriptions and recurring charges audited
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  Emergency fund balance checked (3-6 months target)
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  Debt payoff progress reviewed (minimum payments + extra)
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  Cash flow calendar created for bills and pay dates
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  Spending alerts set on credit cards and bank accounts

🧾 Taxes & Insurance

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  Tax filing deadlines noted on calendar (April 15, extensions)
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  Insurance policies reviewed annually (home, auto, life, health)
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  Beneficiaries updated on all accounts and policies
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  Tax-deductible expenses tracked throughout the year
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  HSA/FSA contributions maximized before deadline
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  Retirement contribution limits reviewed (401k, IRA)
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  Property tax payment schedule confirmed
• ○
  Life insurance coverage adequate for family needs

🔎 Subscription Audit

• ○
  List all subscriptions
• ○
  Cancel unused services
• ○
  Renegotiate internet/phone bills
• ○
  Annual vs monthly savings calculated
• ○
  Set reminder for renewals

✅ Financial Quality Boost

• ○
  Monthly review date scheduled
• ○
  Savings goal percentage set
• ○
  Debt payoff priority order
• ○
  Bill auto-payments verified
• ○
  Subscription audit planned
• ○
  Emergency fund target defined

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