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    WISER’s 2014 Print Calendar

    Monday, January 13th, 2014

    WISER's 2014 CalendarPerfect for those who want an extra push this year, WISER’S calendar gives tips and encouragement throughout each month to help you end the year feeling more financially fit. Take the first step towards a brighter financial outlook in 2014 and download the calendar today. Keep it at home or at your office to track important dates and your planning progress!

    You can download the entire calendar here, or click on each month below to see just that month.

    Sometimes trying to become more financially aware can feel overwhelming. Where do you start? Who should you talk to? What do all of these financial terms mean? WISER breaks it down into easier steps. Each month of our calendar features one tip on which you can focus to help you better understand your own finances.

    January: Resolve Your Budget
    The first step to taking control of your money is knowing how much you have and where you’re spending it. Simply having the numbers right in front of you can be empowering and help motivate you to get (and stay!) on track.

    February: Invest in Financial Relationships
    This month, take time to sit down with your partner, spouse, significant other, (or even just yourself) and review all of your finances. It may seem like an overwhelming conversation, but it is worthwhile in the long term!

    March: Prepare for Tax Season
    A quick way to immediately start saving before your tax refund burns a hole in your pocket is to have your tax refund automatically put into a savings bond.

    April: Start a “Rainy-day” Fund
    This month is a great opportunity to start a “rainy-day” fund. Many experts recommend having about six months’ worth of expenses in a savings account to cover sudden unemployment or other emergencies, but even a small amount to start can make a big difference.

    May: Show Mom You Care
    May is a time to celebrate our mothers and all the other women in our lives who helped us over the years. Take time this month to have a conversation with your parents or others who may depend on you down the road about their caregiving needs and retirement plans. Helping them now will also help you in the long run.

    June: Take a Vacation from your Finances
    Regular automatic deductions from your paycheck or bank account into a savings, investing or retirement account will keep you on track toward your short and long-term financial goals. Commit to save as much as you can each month, but if you don’t feel like you have a lot to save, start small.watering can color

    July: Take a Long-Term View
    Think long-term about your retirement needs. Take some time to play around with a retirement calculator to get a sense of what you will realistically need. Try plugging in different scenarios to see what the possibilities are. If the outcome is not what you want, you can work now to change it!

    August: Feel that Debt Heat?
    Take this month to face the heat and organize your debt. Start by figuring out exactly how much debt you’re in. Pay bills on time to avoid fees and reduce interest charges. Resolve to stop adding to your debt and start paying it off.

    September: Back to School
    Take time to educate yourself.  Commit this month to educating yourself about financial topics.  A little understand can boost your confidence and make saving for retirement easier!

    October: Trick or Treat?
    Sometimes it’s hard to tell whether or not something is a great financial opportunity or just too good to be true. Use October as the time to educate yourself about financial scams and abuse.

    November: Give Thanks for Work Benefits
    November is benefits enrollment season for many companies, which means you can sign up or make adjustments to your benefits. Take this month to learn more about your individual benefits and how you can make the most of them.

    December: Celebrate Financial Successes
    As the year comes to an end, celebrate all that you have accomplished this past year. If for some reason you were unable to meet your financial goals, then take this month to recommit to your financial future and to making each month count in 2015.

    A Little Help on the Road to Financial Independence

    Monday, July 2nd, 2012

    On this 4th of July, when we celebrate America, we also know that many Americans are struggling to get by in this difficult economy.  The good news is that numerous city and state governments and also the federal government are trying to help. Here are a few programs that might help you, your friends or your family, to save money, stay in your home, pay down debt, and move towards a more secure, independent financial future.

    Mortgages: A number of federal programs are helping people who are struggling to make mortgage payments. The America Built to Last program is a federal program helping service members and responsible homeowners pay down their mortgages. The Making Home Affordable Program is another federal program that aims to help homeowners get mortgage relief and avoid foreclosure. The deadline to apply has just been extended to December 31, 2013. To talk to a federally-approved housing counselor who can help you understand your options, prepare your application, and work with your mortgage company, call 888-995-HOPE (4673) or for the hearing impaired, call 877-304-9709 TTY. Local and state governments also have mortgage assistance programs.

    Bills & Expenses:  State and local governments and organizations can help in many ways, from medical bill assistance to free legal advice. The National Council on Aging’s Benefits Check Up website can help you find state and local resources for covering health care, prescription, and food costs for yourself or for other older members of your family. The Low Income Home Energy Assistance Program (LIHEAP) is a federal program that can assist you in paying your home energy bills. It is important to stay cool in the summer and warm in the winter, and LIHEAP can help you stay safe and healthy in your home.

    Legal Advice: The Legal Services Corporation (LSC) is a non-profit that was established in 1974 with the goal of promoting equal access to justice in America and to provide high quality civil legal assistance to low-income persons. Nearly 75% of their clientele are women.  Today LSC is the single largest source of funding for civil legal assistance to low-income Americans, and deals most frequently in cases involving Family Law, Housing & Foreclosures, Consumer Issues, and Income Maintenance.

    Jobs: The Hire Heros Act and Veteran Retraining Assistance Program are federal programs that specifically help the veterans of our country find jobs. For recent grads who are struggling to pay down student debt, some cities are creating special incentives that can help you. In an effort to attract new brain power and reverse trends of declining resident populations, some cities are offering to pay off the student loan debt for people who come to live and work in their city, as a way of enticing new, young residents to their communities.

    Your 2012 Spending Plan

    Monday, January 16th, 2012

    This new year you may find yourself in a new financial situation. Whether for better or worse, it is important to take the time to assess where you stand and make a spending budget for 2012. (more…)


    About Us

    WISER is a nonprofit organization that works to help women, educators and policymakers understand the important issues surrounding women's retirement income. WISER creates a variety of consumer publications including fact sheets, booklets and a quarterly newsletter that explain in easy-to-understand language the complex issues surrounding Social Security, divorce, pay equity, pensions, savings and investments, banking, home-ownership, long-term care and disability insurance.

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