6. Create and stick to a budget

Use previous receipts to create a budget that reflects your actual spending over the last several months. Using this approach will factor in unexpected expenses such as home repairs, health expenses and car repairs as well as the normal, predictable expenses such as utilities and groceries.

7. Make a will

This may not seem like a quick and easy money move, but if you have a simple estate, there’s no reason to make things complicated. Search online for “will template” and your state and you will find all sorts of fill-in-the-blank wills that can be downloaded free. If you don’t have a will, these will do for now.

If that doesn’t sound like an adequate long-term solution, you can always have your Internet will reviewed by an estate attorney later. But remember a cheap Internet will is better than none.

8. Complete an investment review

This sounds time-consuming right? Not really. You can do an investment review in 15 minutes or less. In a nutshell, you want to check your investment performance, review your fees, and reallocate balances if needed.

While looking over and understanding your investments may seem boring, it’s exciting compared with the commercials you’ll be missing.