Let’s face it—adulting is mostly just realizing how many unglamorous things you have to do to keep life running smoothly. Between paying bills, scheduling appointments, and digging through that one junk drawer full of mystery cords and expired coupons, it’s no wonder most of us put off the boring stuff.
But the longer you avoid these “snooze-button” tasks, the more stressful they get when life throws a curveball. Whether you’re a parent, a homeowner, or just trying to stay ahead of the chaos, these 12 to-dos will help you feel more organized, protected, and confident this year.
Let’s tackle the boring stuff together, one checkmark at a time.
1. Set Up (or Update) Your Will and Legal Documents
Even if you don’t consider yourself wealthy or “old enough” to need a will, chances are you have people, pets, or property you care about. That’s reason enough to get your paperwork in order.
Key legal documents to consider include:
- A valid will
- Enduring power of attorney (medical and financial)
- Advance care directive
- Legal guardianship arrangements (if you have kids)
For help with this kind of planning, professionals like Attwood Marshall lawyers, Gold Coast can walk you through the process and help make sure everything’s valid and stress-free.
2. Review Your Insurance Policies
How long has it been since you actually read through your insurance coverage? Whether it’s your health, car, home, or life insurance, it’s smart to review your policies annually. Make sure you’re not underinsured or overpaying.
Things to check:
- Are your beneficiaries up to date?
- Does your coverage reflect your current life stage?
- Are there better deals out there?
A quick phone call could save you hundreds (and headaches later on).
3. Create a Simple Budget (And Actually Stick to It)
Yes, budgeting is about as exciting as watching paint dry, but it’s one of the best ways to feel more in control. Start small with a free app or spreadsheet, and just track where your money goes for a month. You might be surprised how much is going to takeout or random subscriptions.
Pro tip: Automate your savings so you’re not tempted to skip it.
4. Set Up an Emergency Fund
Think of your emergency fund as a financial cushion between you and a crisis. Ideally, you want 3–6 months’ worth of expenses saved up, but don’t let that number overwhelm you. Even $1000 can be a lifesaver in a pinch.
Set up a separate savings account and contribute what you can, even if it’s just $20 a week.
5. Book Overdue Health Appointments
You know the ones. That dentist appointment you’ve rescheduled three times, the eye exam you meant to book last year, or the skin check you keep putting off? Add them to your calendar and make the calls. Future you will be grateful.
You don’t need to overhaul your entire healthcare routine—just start with one appointment this month.
6. Backup Your Devices and Photos
Imagine losing every baby photo, tax record, and saved document because your phone or laptop died. Not fun.
Take time to:
- Set up automatic cloud backups
- Store copies of important documents on a secure external drive
- Clean out clutter while you’re at it
You’ll sleep better knowing your digital life is safe.
7. Organise Your Digital Life
Your inbox has 13,000 unread emails, your passwords are sticky notes, and you can’t remember where you saved the school forms. Sound familiar?
Try:
- Using a password manager (many have free options)
- Unsubscribing from marketing emails
- Sorting files into folders you’ll actually use
Bonus tip: Include your digital accounts in your will or legal documents, so your loved ones aren’t locked out later.
8. Clean Up Your Superannuation
Chances are you’ve had more than one job—and you might have more than one super account to go with it. Multiple accounts mean multiple fees and less growth.
Take a few minutes to:
- Check your MyGov account for lost or old supers
- Consolidate into a fund you trust
- Update your beneficiaries and contact info
It’s a small job with a big payoff down the line.
9. Write Down Important Info for Loved Ones
If something happened to you tomorrow, would your family know how to access your accounts, contact your vet, or find your will?
Create a simple info sheet (digitally or printed) with:
- Emergency contacts
- Account numbers and logins
- Medical details
- Pet care info
Store it somewhere secure but accessible, and let your partner or a trusted person know where to find it.
10. Create a Family Disaster Plan
Natural disasters can strike without warning, and having a plan can make all the difference.
Create a basic family plan that includes:
- Evacuation routes
- A meeting place
- Emergency contact list
- Go-bags with essentials (meds, IDs, chargers, etc.)
Update it annually, especially if your kids are growing or you’ve moved house.
11. Learn the Basics of First Aid
You don’t need to become a full-on paramedic, but knowing how to respond in an emergency could save a life.
Options include:
- A CPR course (often free or low-cost)
- Watching quick tutorials online
- Keeping a stocked first-aid kit at home and in the car
It’s easy to overlook, but incredibly valuable in an emergency.
12. Keep Your Car Maintained
That “check engine” light won’t fix itself. Keeping your car in good shape can help you avoid a breakdown, improves safety, and saves money long-term.
Adulting checklist for your car:
- Schedule regular oil changes and tire rotations
- Keep your registration and insurance up to date
- Make sure your spare tire, jack, and roadside kit are all in the boot
- Don’t ignore odd noises or warning lights
A reliable car is less exciting than a new one—but way more practical.
Being a grown-up comes with a to-do list that’s never truly finished, but that doesn’t mean you have to be overwhelmed. Taking care of these 12 tasks (even one at a time) helps protect your family, your finances, and your peace of mind.
No, it’s not glamorous. But it is responsible. And there’s nothing more satisfying than knowing you’ve got your life in order—even if it’s just a little at a time.
Print the list. Tackle one item this week. Reward yourself with coffee. Repeat.