You can enjoy Labor Day weekend and improve your finances. Some important money tasks don't take much time — you can even do them over a holiday weekend.
Consider taking a half hour to cross these three off your to-do list.
Updating the beneficiaries on accounts including your 401(k), IRA, and life insurance policies is a to-do that's quick to complete — one of our Grow reporters managed it in just three minutes. Beneficiaries on certain assets trump even what's in your will, so it's important to make sure the people listed are the ones you want to receive that money.
"You really never know what can happen, so it's important to make sure that all of your paperwork is up to date in the event of something unexpected happening to you," says Janet Stanzak, a certified financial planner with Financial Empowerment in Burnsville, Minnesota.
This three-digit number can be a factor in whether a lender approves your application for a mortgage, auto loan, or a credit card, and at what interest rate. A good credit score can also make the difference in the rate you qualify for on insurance premiums and the initial costs of renting an apartment, among other benefits.
There are several places where you can get a free look at your score and tips to improve it, including Credit.com and CreditKarma.com. Signing up or logging in to review your credit score should take about 5 minutes.
Read more: 2 ways to check your credit score for free
It's smart to look over your bank and credit card statements. Taking just 10 minutes to do a line-by-line review can help you spot potential problems, like being charged twice for a single item or a fraudulent charge. This review can also be a good nudge to cancel any recurring charges for services you no longer use, Stanzak says.
"From what I see, it's the smaller charges you sign up for, whether it's a subscription you forget to cancel, or an iTunes charge. Those can sometimes go unnoticed, but they add up," she says.
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