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personal financial agenda

Calculate total monthly income from all sources

Review pay stubs and bank statements for accuracy

Consider additional sources of income (side hustle, rental income, etc.)

Track all expenses for one month to determine spending habits

Categorize expenses (housing, transportation, groceries, etc.)

Identify areas where expenses can be reduced or eliminated

Set financial goals (emergency fund, retirement savings, etc.)

Determine how much to save each month to reach goals

Automate savings contributions to make it easier to save

List all outstanding debts (credit cards, student loans, etc.)

Create a plan to pay off debts, starting with high-interest debt

Consider debt consolidation or refinancing options

Review current investment portfolio

Research investment options to diversify portfolio

Consult with a financial advisor for personalized investment advice

Review current insurance policies (health, auto, home, etc.)

Determine if coverage is adequate for current needs

Consider additional types of insurance (life, disability, etc.)

Create or update a will to distribute assets as desired

Designate beneficiaries for retirement accounts and life insurance policies

Consider setting up a trust for minor children or specific assets

Set short-term and long-term financial goals

Create a budget to align spending with goals

Regularly review and adjust goals as needed.

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