Perfect 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.
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.