The ReminderIt journal
Notes on remembering
Building routines that stick, beating forgetfulness, and why a call lands when a notification doesn't.
Oct 3, 2026 · 6 min read
When Do the Clocks Go Back in 2026? How to Adjust Your Sleep
UK clocks go back at 2am on Sunday 25 October 2026; most of the US falls back at 2am on Sunday 1 November. How to keep the extra hour, why you may wake an hour early, and what else to check that night.
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Oct 3, 2026 · 6 min read
What Time Should I Wake Up for an Early Flight? How to Work It Out
Work backwards: departure time, minus 2 hours (domestic) or 3 (international), minus your journey and a buffer, minus getting-ready time. For a 6 AM domestic flight with a 30-minute drive, that is about a 2:45 AM wake-up.
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Oct 3, 2026 · 6 min read
Is Hitting Snooze Bad for You? What the Research Actually Says
The best lab study found 30 minutes of snoozing cost regular snoozers about six minutes of sleep, with no clear effect on mood, sleepiness or cortisol. What the research says, who should be careful, and the real risk.
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Sep 29, 2026 · 6 min read
India Has Two Tax Calendars Right Now. Which One Is Yours?
Which Income Tax Act governs your return depends on the year the income belongs to, not when you file. Belated and revised returns for older years close on 1 April 2026 — but the updated return stays open for 48 months.
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Sep 29, 2026 · 5 min read
The Password Reminder You Should Delete
NIST's guidance says verifiers "SHOULD NOT require memorized secrets to be changed arbitrarily (e.g., periodically)" — but SHALL force a change on evidence of compromise. Change on evidence, not on schedule.
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Sep 28, 2026 · 5 min read
Why the Same Appointment Costs More in January
Your deductible and out-of-pocket maximum reset every plan year, so identical care costs more in January than in December. Healthcare.gov: once you hit the ceiling, the plan pays "100% of the costs of covered benefits".
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Sep 28, 2026 · 5 min read
Sukanya Samriddhi: Deposits Stop Six Years Before It Matures
Deposits into a Sukanya Samriddhi account stop at 15 years, but it matures at 21 — six years where it earns and takes nothing. And the education withdrawal can unlock the moment she passes tenth standard.
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Sep 28, 2026 · 5 min read
The Repayment That Starts Five Years After You Forget About It
An HBP withdrawal is a 15-year loan from you to you — and the repayment clock may not start for five years. Miss a year's minimum and the shortfall becomes taxable income, not a fee.
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Sep 28, 2026 · 5 min read
The Marketplace Deadline Isn't 15 January. It's 15 December.
Marketplace Open Enrollment runs 1 November to 15 January — but 15 December is the last day to enrol for coverage starting 1 January. Enrol in early January and you're uninsured for the whole month.
Read articleSep 28, 2026 · 5 min read
Your Photocard Expires. Your Licence Doesn't.
Your entitlement to drive can run to 70; the photocard expires every 10 years. DVLA does send a reminder — to the address it holds for you, which is a separate thing you were supposed to keep current.
Read articleSep 27, 2026 · 5 min read
Why Your January Tax Bill Is Half Again Bigger Than You Calculated
Each payment on account is half of last year's tax, due 31 January and 31 July. In January you may owe a balancing payment as well — which is why a first tax bill lands about one and a half times bigger than expected.
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Sep 27, 2026 · 5 min read
Use-By Is a Wall. Best-Before Is an Opinion.
A use-by date is a safety limit; a best-before date is an opinion about quality. And GOV.UK says food frozen on or before its use-by date can be eaten after it — which turns a deadline into a decision.
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