How to Spring Clean Your Finances

Spring cleaning isn’t just for your home — your finances can benefit from a seasonal refresh, too. Between the endless financial products, multiple accounts, and rising debt, it’s easy to let things pile up. But getting things in order now can save you time, stress, and money down the road.

And a chaotic financial life isn’t just an inconvenience — it can be costly. According to a recent survey by Payroll.org, 78% of Americans are living paycheck to paycheck, and many are struggling to save or invest after covering their monthly expenses. On top of that, credit card debt just hit a record-high $1.21 trillion. Meanwhile, roughly one-fifth of Americans admit to “doom spending” — spending impulsively as a way to cope with financial stress or uncertainty. 

Here’s how to spring clean your financial life and set yourself up for a smoother year ahead:

• Close unnecessary accounts. If you’ve got old bank accounts or credit cards collecting dust, consider shutting them down (while being mindful of credit score impacts). A streamlined financial setup makes tracking and managing your money far easier.

• Consolidate your money management system with an all-in-one platform. Juggling multiple apps for budgeting, tracking bills, and managing investments can lead to missed details and financial fatigue. Origin solves this, centralizing everything from net worth tracking and budgeting to equity monitoring, tax filing, estate planning, and a lot more.

• Save like it’s a habit. Investing a portion of your income is still just as important as ever, but with volatility back and uncertainty rising, many investors are opting for safety — the total assets held in money-market accounts surged to a record $7.4 trillion earlier this month. Interest rates remain relatively elevated while the Fed takes the scenic route on rate cuts — meaning some banks are offering 4% APY or more on high-yield savings — or even better, Origin's cash account currently offers a 4.53% yield on your idle savings.

• Check in on your student loans. The student loan system remains a chaotic mess in 2025. Some borrowers are making payments, some are still in forbearance, and some are left hanging, waiting on routes to forgiveness, which are now on a shaky footing at best. Plan for the most expensive outcome, and consider it a bonus if you end up with lower payments or forgiveness.

• Be strategic with debt. Credit card balances are at all-time highs, and interest rates remain steep. Prioritize paying off high-interest debt and avoid financing depreciating assets like cars and lifestyle purchases.

Maximize employer benefits. Your 401(k), HSA, and other workplace benefits offer some of the best tax advantages — take full advantage of them.

Sign up for Origin and open your cash account