12-Month Money Calendar
Print this page on a single sheet of letter paper. Each month card lists the predictable money moments worth a 15-minute check — insurance, quarterly taxes, savings targets, the quarterly review.
01 / 05 — Q1 quarterly net-worth snapshot
01 / 15 — Insurance review — renters / auto
01 / 31 — Set savings targets for the year
02 / 01 — Tax prep — gather W-2s and 1099s
02 / 15 — Review subscriptions — cancel two
02 / 28 — Schedule your annual raise conversation
04 / 15 (Mar pre-check) — File taxes (or extend with Form 4868)
04 / 15 (Mar pre-check) — Roth IRA contribution for prior year
03 / 31 — Spring car insurance check
04 / 15 — File federal + state taxes
04 / 15 — Q1 quarterly tax payment (if self-employed)
04 / 30 — Increase 401(k) contribution by 1%
05 / 15 — Mid-year financial spring clean
05 / 31 — Negotiate one bill (phone, internet, insurance)
05 / 31 — Check your credit report — free at annualcreditreport.com
07 / 05 (Jun pre-check) — Q2 quarterly net-worth snapshot
06 / 15 — Summer sinking fund — airfare / camps
06 / 30 — Review last 90 days of spending
06 / 15 — Jul reconcile — Q2 quarterly tax payment (if self-employed)
07 / 15 — Reassess emergency-fund target
07 / 31 — Annual review of insurance policies
08 / 01 — Back-to-school spending — sinking plan
08 / 15 — Update next month’s budget ahead
08 / 31 — Vacation reset — pay yourself back
10 / 05 (Sep pre-check) — Q3 quarterly net-worth snapshot
10 / 15 (Sep attention) — Open enrollment — review insurance options
09 / 15 — Plan holiday sinking fund contribution
10 / 31 — Open enrollment — elect benefits
09 / 15 — Oct if missed — Q3 quarterly tax payment (if self-employed)
10 / 31 — HSA contribution check (calendar-year cap)
11 / 20 — Thanksgiving cost budget
11 / 30 — Year-end charitable giving plan
11 / 30 — Top up retirement contributions
12 / 31 — Year-end charitable giving
12 / 31 — Q4 quarterly net-worth snapshot — full year
12 / 31 — Schedule January’s money date
Treat the calendar as a heads-up, not a to-do list. The point isn’t to do all of these things on the exact date — the point is that none of them surprise you when they hit.
Net Worth Tracker (semi-annual)
Update twice a year — first weekend of January, then first weekend of July. Six entries cover three years; print multiple copies if you want more. The trend line matters more than any single number.
| Date | Assets | Liabilities | Net worth |
|---|---|---|---|
| __ / __ / ____ | $ | $ | $ |
| __ / __ / ____ | $ | $ | $ |
| __ / __ / ____ | $ | $ | $ |
| __ / __ / ____ | $ | $ | $ |
| __ / __ / ____ | $ | $ | $ |
| __ / __ / ____ | $ | $ | $ |
“Assets” = cash, investments, retirement, the cash value of any real estate minus its mortgage. “Liabilities” = credit-card balances, student loans, car loans, mortgage balance. “Net worth” = assets minus liabilities. A negative number is fine — the work is tracking the trend.
Savings Goal Worksheet
Pick five goals you’re actively saving toward. Five lines is the limit — fewer is better. A goal you can’t fund this month probably shouldn’t be on this list yet.
| Goal name | Target amount | Monthly contribution | Target date |
|---|---|---|---|
| $ | $ | __ / __ / ____ | |
| $ | $ | __ / __ / ____ | |
| $ | $ | __ / __ / ____ | |
| $ | $ | __ / __ / ____ | |
| $ | $ | __ / __ / ____ | |
| TOTAL | $ | $ | — |
“Monthly contribution” is what you actually move this month — not what you wish you could. If the contribution is $0, drop the goal back down or pick a smaller one. The point is forward motion, not aspiration.