Simple financial moves all parents should check off their to-do list.Read more
The 2023 checklist for busy parents
We know you’re occupied with kids, play dates, work and everything else. Use this checklist to tackle what’s important in the new year.
Got any spare time? No? You’re a parent. We didn’t think so.
Since we know you’re busy with kids, dinners, work, home, traffic, play dates, and who knows what else, we decided to create a busy parent checklist of the tasks we think are most important for you to tackle as we begin a new year.
Let’s get straight to it, our annual checklist for parents.
In this article:
Death. Taxes. Spaghetti sauce all over your son’s brand new shirt. All inevitable. That’s why you need to prepare (for the first two, anyway).
First and foremost, consider term or permanent life insurance. If you decide that term coverage is a good fit for you, know that applying for coverage is simple and affordable, and it’s easier than ever to apply for a term policy online. There’s really no time like the present.
Think about it. The holidays are over, but you can still provide a loving gift to the people who matter to you the most. What better gift to your family than term life insurance — a long-term safety net that will help protect your loved ones financially if something were to happen to you?
Not sure where to start? Learn more about the amount of coverage you might need, how long you need coverage (many parents opt for 20 or 30 years), and the definition of important phrases like “level premium” and “death benefit” through our Life Insurance Basics archive.
If you’ve done your parental duty and taken care of this already, great! Now’s a good time to check in and make sure your policy details are up to date, and that the policy is easily located in case you need it.
There are lots of reasons to update your coverage over time — maybe you’ll quit smoking this year, maybe you’ll welcome a baby. It’s a good time to make sure all your affairs are in order. Speaking of …
If you haven’t written a will yet, make it your goal to get that done in 2023, both to ensure your end-of-life plans are executed according to your wishes and to potentially help your beneficiaries avoid a tax hit in the event something happens to you (translation: in case you die before you plan to).
If you do have a will, check in and make sure everything is up to date, and that your important paperwork is somewhere accessible to you and anyone else who might need it.
Not sure where to start? Online services like Trust & Will make writing and maintaining a will is as easy as managing your Facebook profile. (Better yet, no wacky political posts from Aunt Sue.) An individual or joint will with unlimited updates is available at no cost with Haven Life Plus, a bonus rider available at no cost for eligible Haven Term policyholders.
Quick question: Where’s your hard copy of your mortgage or lease? What about your kid’s birth certificate? If something happened to you and your loved ones needed to log into your 401(k), where would they look?
If, like many of us, you didn’t know the answers to those questions (or took your time remembering), you might want to spend some time getting organized.
One great way to take care of these important files is LifeSite, an online document storage service that offers both an intuitive, easy-to-use interface, and military-grade protection.
Tracking down your most important documents (including logins for all financial accounts), and putting them in one safe and secure place, is a great way to determine your overall financial health — think of it as a medical checkup for your most important files. And hey, now seems like a good time to mention that a LifeSite Plus subscription for you and up to five family members is available at no cost with the Haven Life Plus rider.
Practice a little self-care
Even if you’re not a New Year’s resolution person, you probably have some health goals, even if they’re ill-defined. (“I will lose five pounds… at some point.”)
Research suggests the best way to achieve those goals is to break them down into micro-goals or to use SMART goals — that is, goals that are specific, measurable, achievable, relevant and time-based. For example, instead of resolving to lose five pounds by spring, make a plan to walk for 30 minutes every day. Track and monitor that goal, and forgive yourself if you’re not perfect. Tomorrow, after all, is a new day.
This is also a great time to track and evaluate your diet. Not for weight loss, but for how it makes you feel.
Do certain foods leave you feeling tired or fatigued? Do you get cravings at the same time every day? What are your triggers, and what are your behaviors when you respond?
If you need to binge watch Netflix and down comfort food after putting the kids to bed, no worries — but maybe swap out that unhealthy snack for something less harmful.
And if it seems daunting — you’re a parent, which means you’re not exactly swimming in time — consider a 21st-century life hack: A virtual trainer, living in your phone. The fitness app Aaptiv offers audio-based, on-demand workouts that fit into your schedule.
Only have 10 minutes? There are several workouts exactly that length. Just need to relax, or stretch out a bit? The app includes meditation and yoga.
Oh, and it will reduce your stress to know a yearly subscription comes at no cost with the Haven Life Plus rider.
This is also a good time of year to make sure you’ve scheduled annual wellness visits for yourself and your spouse and kids, and to make sure, if relevant, that your child’s wellness forms are up to date at preschool or daycare.
And if someone gets the sniffles (or pink eye, or norovirus), seeing a doctor is easy with MinuteClinic®, a nationwide network located inside select Target and CVS locations, where you can get a wide array of health services — including flu shots — without an appointment. Eligible Haven Term policyholders get 15% off any single CVS MinuteClinic service as part of Haven Plus.
Consider these easy-to-use tech tools
We’ve already mentioned apps and online tools that will help you stay fit, relax, safely store and organize your most important documents and information, see a doctor, and write and maintain your will. But there are still more tech tools that any parent will appreciate. Here are a few of our favorites.
If you travel for work, or regularly visit relatives who live in another time zone, this app will help you fight jet lag with minimal interruption to your sleep schedule. The app gets to know your sleep patterns better than you do, then helps you shift them before, during, and after any planned travel. Handy for your family vacations on the coast. (Any coast.)
A subscription is roughly $25 a year, or eligible Haven Term policyholders can get it for no cost with the Haven Life Plus rider. We’ll let you decide which one is better.
It’s a challenge any parent knows. Either you devote considerable time and energy to being your child’s part-time archivist, or you heartlessly throw out your kid’s precious artwork en masse and don’t look back. Turns out, there’s another way.
This app helps you preserve and sort your child’s crayon masterpieces digitally, with an intuitive tagging system so that, say, your kiddo’s still lifes are filed separately from the portraits. Best of all, your conscience remains clear without turning your house into your kid’s personal MoMA.
Need a last-minute babysitter for date night? No problem. Think of this as AirBNB for sitters — you can find, book and even pay through the app, and the rating and recommendation system ensures you’re hiring someone you can trust.
But even if you’re booking your sitter the analog way, Venmo™ (or another mobile payment service) is essential — you’ll never find yourself trying to find the nearest ATM while your sitter is on the clock again.
Sesame Street™ app
Because sometimes, you just want to eat at a restaurant in peace.
About Louis Wilson
Louis Wilson is a freelance writer whose work has appeared in a wide array of publications, both online and in print. He often writes about travel, sports, popular culture, men’s fashion and grooming, and more. He lives in Austin, Texas, where he has developed an unbridled passion for breakfast tacos, with his wife and two children.Read more by Louis Wilson
Our editorial policy
Haven Life is a customer-centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Our editorial policy
Netflix is a registered trademark of Netflix, Inc.
MinuteClinic is a registered trademark of CVS Health Corporation.
Timeshifter is a registered trademark of Timeshifter Inc.
Artkive is a trademark of The Kive Company.
Bambino is a trademark of Bambino, Inc.
Venmo is a trademark of PayPal, Inc.
Sesame Street is a trademark of Sesame Workshop.
Haven Term is a Term Life Insurance Policy (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by the C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527.
MassMutual is rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of Aril 1, 2020 and is subject to change. MassMutual has received different ratings from other rating agencies.
Haven Life Plus (Plus) is the marketing name for the Plus rider, which is included as part of the Haven Term policy and offers access to additional services and benefits at no cost or at a discount. The rider is not available in every state and is subject to change at any time. Neither Haven Life nor MassMutual are responsible for the provision of the benefits and services made accessible under the Plus Rider, which are provided by third party vendors (partners). For more information about Haven Life Plus, please visit: https://havenlife.com/plus
What our customers are saying
Oct 2, 2023
Super impressed. Application was easy, fast, and user friendly. Pricing competitive and came back quickly. Customer service was quick and helpful.
–Lianaread more at
Sep 8, 2023
User friendly platform and very easy…
User friendly platform and very easy application process! Super content with Haven Life , consider them when shopping for a policy.
–Gabby Santosread more at
Aug 11, 2023
The ease of the process and speed in getting my application approved was terrific. Highly recommend using them for your insurance needs.
–Martinread more at
Aug 10, 2023
Simple and well-designed process for buying life insurance
Life insurance is an industry that seems stuck in the past - things like completing an application, filling out paperwork, scheduling medical exams, etc. are not handled online at many companies. At Haven Life all of this can be done and tracked online, and I hope that others in the industry will follow suit. Other positives include that pricing was competitive and easily available through an easy online quote. It was also possible to adjust the specifics of the policy throughout the process, even after underwriting was complete - changing my mind on one small detail did not require restarting the process. The underwriting process proceeded quickly. I was easily able to gain access to my lab results online. Etc. The process was easy at every step.
–Calvinread more at
Jul 27, 2023
5 STARS!⭐️ ⭐️⭐️⭐️⭐️ They made everything…
5 STARS!⭐️ ⭐️⭐️⭐️⭐️ They made everything simple, seamless and positive.
–Kayla Counselbaumread more at