April is here, and meteorological spring is already in full swing – even if the weather doesn’t always reflect it!

You have probably received countless newsletters and adverts focusing on spring cleaning and fresh starts. We understand that this can get frustrating, but when it comes to your finances, a spring financial check-up can really help your savings or debt repayment journey.

In this blog, we are looking at the five critical money management tips for spring. This might not be entirely new advice, but it is worth revisiting now and then for more confidence and control over your personal finances in this season and beyond.

1. Take an honest look at your budget

Whether you started 2025 with a new budget or are using an older template, it is time for your spring budget review.

It is easy to fall off track and overspend without noticing, even if you think you are watching the purse strings. Take a few hours to reflect on how you did with your income and spending across the winter.

Did you stay within the budget? Can you see any areas where you can cut back and save more?

Be honest with yourself and come up with actionable changes you feel you will be able to implement in the future. You may also want to take this opportunity to adjust your budget for any specific upcoming expenses you didn’t have over winter, such as summer holidays or home renovations.

2. Check through your bills and subscriptions

A large part of spring cleaning finances is identifying where you are overspending.

In today’s world, nearly everything comes with a subscription based payment model. This can be handy, as you don’t have to make big upfront payments, but the smaller monthly payments are easy to forget – especially if you stop using the service.

Check if you are still paying for any services that you don’t use anymore. These often include:

  • Streaming services
  • Gym memberships
  • Food or drink subscription boxes
  • Online app or game memberships

Even if you only use some of these on a rare occasion, it is still worth cancelling the subscription altogether. It might feel tough to say goodbye, but if you are not getting full value out of the service, it will feel much better when you have extra cash for your emergency fund or debt repayments.

3. Find out your credit score

If you have embarked on a personal finance journey, you would likely want to improve your credit score while saving extra cash.

But how often do you check your score?

In can be demotivating, if your score is not getting to where you want it to be. Give it some time before you check again to give your lifestyle changes time to be reflected on your credit file.

4. Review your emergency savings

One of the top smart money habits is to have an emergency fund that is separate from your main savings.

Sure, creating a second savings pot is not as exciting as saving for a holiday and doesn’t give the same satisfaction as paying off debt. However, having that extra cash for any unexpected expenses will save you stress and even potential stress-related health impacts in the future.

This spring, see whether you can allocate any extra funds to the emergency fund ahead of your other financial goals.

5. Set financial goals for summer

Financial goals are easier to achieve if you break them down into smaller chunks.

While you may already have an annual savings goal, consider setting a smaller (and realistic one) for the end of summer to keep you motivated through the year.

Keep this in your mind or create a vision board with the amount you are aiming for to stay on track and avoid lifestyle creep as the warmer weather kicks in!

Learn more about personal finances and get some savings inspiration on the Cash Asap blog.