Your Ultimate 2013 Financial Calendar

Gabrielle Karol


1. Review Your Estate Planning Documents
The right estate planning could save you and your loved ones a lot of time and heartache in the event of a tragedy. Make sure that you have a living will (also known as a health care directive) set up, and review the beneficiary forms on your retirement accounts. If you have kids, you’ll also need to set up a will, and name a guardian for your children. Find out more about the estate planning documents that you need.

2. Book December Holiday Travel
The best time to buy airline tickets is on a Tuesday. Read our guide on the best way to save money on flights.

3. Pay Taxes if You’ve Filed an Extension
October 16th is the last day to submit your 2012 taxes if you’ve filed for an extension.


1. Check Your Credit Score
It’s the last of your quarterly credit check-ins!

2. Start Your Holiday Shopping 
Keep an eye out for sales, consider DIY gifts and decide whether you’ll want to take advantage of Black Friday or Cyber Monday discounts.

3. Decide on Your 2014 Charity Budget
Review your charitable donations in the past year, and determine how you want to handle your donation next year.

4. Apply (or Have Your Child Apply) for Student Financial Aid
If you’re looking to apply for financial aid, get started on those forms now! The deadline is January 1. Here are the 15 essential things you need to know about financial aid.


1. Review Your Retirement and Brokerage Accounts
Before the end of the year, look at all of your investing accounts and rebalance if necessary. Check in with your accountant to find out if you should take any capital gains or losses before the end of the year.

2. Contribute to Charity
If you haven’t been giving to charity throughout the year, now’s the time. If you’re itemizing your deductions, your donations will reduce your year-end tax bill.

3. Use Your Holiday Bonus Wisely
Some companies give employees a holiday bonus (not to be confused with a year-end, performance-based bonus). If you’ve already budgeted and saved for holiday gifts, use this bonus toward your financial priorities, like maxing out your retirement accounts before the end of the year.

4. Look Back on Your Year in Money
What were your financial goals and accomplishments this year? How much progress did you make? Take the time to pat yourself on the back for making headway on goals, and plot your strategy for 2014.

  • Budget & the Beach

    Great info! You should put it in calendar form so people can print it out! 

  • Brittany

    Yeah, really great to have this! Maybe you could plug it into a shareable Google Calendar!

  • Tammy McLeod

    This definite looks like a great list, and I would love to have it in a form that will make it easy to refer to over the course of the year!

  • Melissagrassmick

    One thing should be added to January, make sure you have filed all claims for your FSA (use it up for the prior year!).  

  • Ljohnson

    You guys have some super articles but PRINTING them is a royal pain in the behind!  Please make an option to print the entire article WITHOUT photos and ads!  I would use them more in some classes I teach if they were more easily printed and saved!

    • AldenWicker

      Hi Ljohnson,

      If you look at the top of the page, next to the social buttons, there is a pink sheet of paper icon. That’s the print icon. If you click that, you can print out our articles without the ads or images, and even modify the text to your taste. Hope your students enjoy the articles!

      • Kmdantes

        still prints out the ads when i clicked on the pink sheet AND when I tried the PDF.

      • Lana

         The print icon only allows you to print the current page. It doesn’t let you print all 4 pages into one PDF

  • Cynmcwilliams

    Unfortunately when I attempted to print this out, there were many blank spaces where information should have been.

  • Petronegl

    I would also like to see this print without ads or placed in Outlook or in some calendar format.  also, since I am a member,  can this be added to the reminders in the money center? 

  • Tina

    Thank you so much.  This is really helpful. 

  • Robin

    Hi guys, thanks for the always great info. Question: You say to check your credit score every three months, but don’t you take a negative hit if you check your score more than once a year? (By the way, does it reset every calendar year or every 12 months – last time I checked was June, will I get dinged if I check before then?)

    • laurashin

      Hi Robin,

      Great question. It won’t hurt your credit score if you check it via the sites we recommend. You can read more here:

      Regarding your other question, it’s not based on calendar year — it’s every 12 months.


      • Robin

        Wow – great to know. Thanks, Laura!

  • Erykah St. Louis

    This is excellent! I love it!! Just the thing I needed…

  • Martha Mcnelly

    I need to organize my files . Is there an app or list for that?