The sofas are moved, the fans are wiped, the house is Lakshmi-ready. Now the other household — the financial one — deserves its hour with the broom. Fifteen checkboxes, one evening:
Accounts & Access
1. List every bank account; close the dormant ones quietly eating minimum-balance fees. 2. Update mobile/email on the keepers — OTPs going to a dead number lock you out when it matters. 3. Consolidate to one primary account per person (lenders read scattered banking as chaos). 4. Change net-banking passwords; enable app locks.
The Nominee Audit — The One Everyone Skips
5. Bank accounts, FDs, demat, mutual funds, EPF, insurance — confirm a nominee on each. Unnominated assets become multi-year paperwork for grieving families. 6. Marriage, children, losses since you last filed them? Update. 7. Write a one-page asset register — accounts, policies, lockers, logins’ whereabouts — and tell one trusted person where it lives.
Credit & Debt
8. Pull your free annual credit report; dispute errors (the 90-day plan if it’s bruised). 9. List every EMI and card on one page — the dues calculator helps. 10. Kill one small debt before Diwali (the 10-day plan). 11. Cancel unused credit cards’ add-ons and delete saved card details from shopping apps.
Leaks & Protection
12. Audit subscriptions and auto-debits — the gym from 2024, the OTT nobody watches; zombie debits are anti-SIPs. 13. Check insurance adequacy: term cover ~10–15× annual income for the earning members; health cover sized to city costs. 14. Top up the emergency fund. 15. Revoke app permissions you never meant to give — especially any lending app with contact-list access (why that matters).
One evening. Fifteen ticks. The goddess of wealth, tradition says, favours the well-kept house — this is the part of the house she actually audits.
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