The days are getting longer, the weather’s getting warmer and it’ll soon be time for spring cleaning. While you’re tidying up your closets, car or garage, don’t forget to spruce up your budget, too.

Developing a routine is great, but there are certain aspects of every budget that shouldn’t stay stagnant. Here are three moving targets to check on this spring.

Your Retirement Plan

Dust BunnySome retirement plans have an option that will automatically bump up your contributions little by little each year. It’s a fantastic way to make retirement planning a priority without having to think about it. But if you don’t have an automated option, this is a great time to take a look at the state of your retirement funds.

Dave Ramsey recommends investing 15 percent of your income into a Roth IRA or pre-tax retirement account. While he also suggests holding off on retirement funding until you’re debt-free with a sizable emergency savings, some people choose to prioritize their retirement plans, especially if they are retiring soon.

If you can, bump up your retirement contributions by 1-2 percent this spring. When spread out over a year, that’s enough to make an impact on your 401K without hitting your budget too hard.

Insurance Coverage

If you immediately log onto the computer and compare car insurance rates every time you see a gecko on TV, this step is not for you. If, however, you’re like me and blindly fork over that insurance payment every other month without thinking twice, keep reading.

Insurance coverage, like your retirement plan, is a moving target. Rates are constantly changing, so it’s important to periodically check on your plan to make sure you’re getting as many discounts as possible. It’s also wise to talk to an insurance agent or scan the web every now and then to compare prices from different companies. You really could save hundreds of dollars.

Your Household Budget

When it comes to your budget, it’s easy to set it and forget it. If it’s been a while since you made any adjustments to your budget categories, sit down and take a look at them. If you’re married, call a quick meeting with your spouse. This doesn’t have to be painful; it’s meant to help you get the most out of every paycheck.

Perhaps you’ve been budgeting lots of money for gas, but you recently took a job that’s closer to home, or you’ve been telecommuting more. Take some of that gas money and shift it into another budget category, such as savings or groceries. Life is always changing; your budget should change with it.

Hopefully these ideas will get you thinking about other ways to free up some money as you do some “spring cleaning” for your finances. It may not be the most exciting thing you do this year, but, hey, it beats cleaning out the garage, right?

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