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Personal Finance Calendar for 2022 – Control Your Finances Like a Pro

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To control your finances, you shouldn’t spend much time and effort. With a personal finance calendar for 2022, you can successfully manage your cash flow.

Creating Your Personal Finance Calendar for 2022

To not think about how to make ends meet and how not to get bogged down in debt at the beginning of the New Year, is worth reconsidering your approach to finance managing. If you consider each year as an opportunity to increase your income and optimize expenses, then each month can be devoted to different areas related to finance. Below we offer you a version of a personal finance calendar for 2022, which you can modify by adding events that involve spending money or generating additional income.

Your Personal Finance Calendar for 12 Months

When the holidays are over, it’s time to take stock of the last financial year and set limits for future spending. The goal for the new year could be to plan innovatively and figure out how much you can spend each month while still being able to save. It is worth calculating everything to have a cash cushion under unforeseen circumstances. Let’s look at creating a personal finance calendar for 12 months.


In January, an important goal you set in your calendar is updating the report on your assets and debts. If you have children, it is worth checking how much money you are ready to spend on education. With an outstanding debt for a large purchase, it’s worth focusing the first months of your finance calendar on reducing and paying off that debt. Also, consider those expenses that will affect your budget: an annual assessment of the HOA is one of the clearest examples.

Find loyalty programs that introduce new reward programs and offer customers the opportunity to earn financial rewards.


After completing all the plans from your calendar in January, you can innovate your money management habits in February. This month is an excellent time to find your tax filing consultant. Review your insurance policies as there is a high chance that you may be paying for the wrong or unnecessary type of coverage.


The new season is also a sign of new changes in your life. It’s time to start planning for the summer and add those plans to your calendar. Find online programs that will control your finances or open a savings account. Planning your finances will allow you to prepare for the long-awaited vacation and not spend your entire salary on it. March is also when students can apply for financial aid from the government.

No matter how old you are, retirement savings are just as significant. Retirees spent around  $4,185 a month per household, which is quite a lot. 


April 18 is the deadline for paying taxes. Be prepared to pay them in full. Forms W2, 1099, and other reports should have arrived in your mail back in February, so collect and organize them.

This month you can also take an inventory of your belongings and furniture. Theft, damage, or breakage of these things involves additional expenses. So that this does not affect your financial situation, estimate the cost of your belongings and calculate how much money you will need to replace them in the future.


Since the tax season has already passed, the finance goal in May is a preparation for future spending or new acquisitions. Purchase a car or property insurance if there is not much time left before they expire. Check what plans your Internet Service Provider and Mobile Service Provider offers. If you buy a yearly plan, the monthly payment will cost less. You will have a reasonably large amount saved at the end of the year. Mark this month as a “planning month” in your calendar.


In June, you may focus on assessing your condition and analyzing expenses. You may be able to save or set aside more money in a savings account or pay off debts that have been worrying you for a long time. If you don’t plan on big purchases this year, create a shopping list that you are likely to make next year. 


If you’ve been following through on your finance calendar, you should have enough savings for a great vacation. Even if this is only half the amount, this is a good start, because compared to other people, you will not be left without money after your vacation.

July is National Savings Month. Since the beginning of the year, the primary strategy in your calendar was – to earn some money save some. If you have a tax-free savings account, check that this amount does not exceed $6,000. It’s a contribution room for 2022, and you cannot contribute more unless you have an unused room from previous years. 

Learn about investing and choose the method that suits you best. Long-term investing is your protective shield against all contingencies.


Since the 3rd-quarter 2022, estimated tax payment is due on September 15th, set a deadline on your finance calendar to collect all tax filing documents by mid-August.


As mentioned above, estimated income tax payments for the third quarter must be made by September 15th. Those people who want to set up a SIMPLE IRA plan this year for their small business can open accounts before October 1st.


After your vacation, check how much money you have spent. Think about the upcoming New Year holidays and how to manage finances. Perhaps your funds will be enough to travel on vacation in the winter.

If you are an investor or just starting to invest, it is not worth keeping track of how much money is in your account every week. Check every three or four months. October can be the month in your calendar when you evaluate and adjust your investment portfolio and finance situation.


In November, the plans in your finance calendar should be focused on choosing health insurance. Open enrollment is the period to enroll in major health plans, which starts in November and lasts until mid-December.


In many institutions, December is the time to wrap up the year and review the financial situation in the company. In your finance calendar, December is the month of your spendings control. Use a strategy that will allow you to have fun on holidays and start your financial year 2023 with good savings.

How to Control Finances With a Personal Calendar?

After completing the plans in your finance calendar, you could exhale with confidence on December 31, 2022, and understand that it is easier to control expenses and income. Planning is the key to control. Therefore, you may modify this calendar to suit your needs, taking into account birthdays, family reunions, or large purchases. 

Final Thoughts

Creating your personal finance calendar for 2022 is a way to be smart about money and manage it. You can save more, control expenses, and understand when to start investing or open a savings account. Managing finances is easier than you think with a detailed calendar.




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