New-year household setup

The January checklist that makes the rest of the year cheaper and calmer.

• Update insurance policies (shop quotes)
• Check employer benefits enrollment window
• File-system cleanup: receipts, documents, warranties
• Set (or reset) the household budget
• Book annual appointments: dentist, vision, physicals
• Replace HVAC filter, test smoke/CO alarms
• Write this year's household goals — max three