This page was created especially for people who are using my Money Calendar.
Click the links below to access the tools you’ll need for each month.
Some of the forms you’ll need are from Savings Fitness: A Guide to Your Future and Your Financial Fitness. If you don’t have a print copy, you can download a PDF version from the US Department of Labor.
The other forms are ones that I created, and you can download them directly from this page by clicking the links below.
Month 1: Expenses
Download and complete the Monthly expenses worksheet.
Month 2: Spending Plan
Download and use the Weekly Expense Tracker worksheet to track your expenses for four weeks.
Month 3: What Do You Owe?
Month 4: Credit History
Go to www.annualcreditreport.com/ to request your free, annual credit from one, two, or all three of the major credit reporting agencies.
You can read more about the process – including the kinds of security questions you’ll be asked – in my post about checking your credit report online, on University of Illinois Extension’s Plan Well, Retire Well blog.
If you’d rather request your credit report by phone, call 1-877-322-8228. I wrote about that experience in a second blog post.
Month 5: What Do You Own?
Download and complete the What Do I Own worksheet.
Month 6: Net Worth
Month 7: Retirement Income
Estimate your Social Security benefits using one of the Social Security calculators.
For retirees and those close to retirement, use at least one tool to estimate how much you’ll be able to spend from your savings and investments:
If you are a few years (or more) from retirement, try at least one of these calculators to see how much you need to save for retirement:
Month 8: Insurance
Download and complete the Insurance Inventory worksheet.
Month 9: Estate Plan
Download and complete the Estate Planning worksheet.
Month 10: Income Tax
Download and complete the Income Tax worksheet. This worksheet has been revised for 2018. It will point out how your income taxes may change from 2017 to 2018 due to the new tax law.
Month 11: Life Events
Download and complete the Life Events worksheet.
Month 12: Get Help
Download the Finding Advice worksheet.
For information about different types of financial professionals, including the difference between a broker (Registered Representative) and a Registered Investment Adviser and how they are paid, visit University of Illinois Extension’s Choosing a Financial Professional at http://bit.ly/FinancialPro.
I’d love to hear your suggestions or comments. Please use the Contact Karen form to send me a message.