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8 reusable worksheets · free to print

Turn the lessons into a household financial workbook.

Complete these privately on paper or save a blank copy as a PDF. Do not place passwords, full account numbers, or unnecessary identity documents in an unprotected workbook.

Worksheet 1

Money map and liquidity worksheet

Record assets, liabilities, accessible cash, monthly margin, and the next three funded goals.

Cash and protected savingsInvestments and retirement accountsProperty and business interestsCredit cards, loans, taxes, and other liabilitiesNet worth: assets minus liabilitiesAccessible cash and months of essential expensesGoal, target amount, saved amount, date, and monthly requirement

Next review date: ____________________ · Person responsible: ____________________

Worksheet 2

Monthly spending and sinking-fund plan

Build the month from evidence and convert predictable nonmonthly costs into regular contributions.

Conservative take-home incomeHousing, utilities, food, care, transportation, and insuranceMinimum required obligationsFlexible spending ceilingAnnual and quarterly expense inventoryMonthly sinking-fund contributionsPayday transfer and due-date schedule

Next review date: ____________________ · Person responsible: ____________________

Worksheet 3

Credit, collection, and medical-bill case file

Turn a stressful consumer issue into facts, evidence, dates, and a controlled next action.

Account, provider, collector, or reporting companyOne-sentence factual issueAmount claimed and amount supportedChronology of statements, notices, payments, and callsEvidence index and missing recordsResponse, appeal, dispute, or court deadlineRequested correction or resolution and escalation trigger

Next review date: ____________________ · Person responsible: ____________________

Worksheet 4

Major-purchase underwriting worksheet

Set a maximum all-in cost and walk-away terms before discussing payment with a seller.

Problem the purchase solvesPurchase price and cash dueAmount financed, APR, fees, term, and total paymentsInsurance, taxes, maintenance, utilities, and recurring ownership costDeductible and repair reserveDownside case: income loss, value decline, or major repairMaximum price, maximum term, and walk-away conditions

Next review date: ____________________ · Person responsible: ____________________

Worksheet 5

Household continuity and caregiving worksheet

Help an authorized person protect the household if the regular organizer is unavailable.

People, dependents, pets, and emergency contactsAccounts, institutions, and independently verified phone numbersInsurance policies, limits, deductibles, and claim contactsBenefits, care needs, and medication accessLegal authority and document locationsDigital recovery accounts and protected backup-code locationThirty-day cash and bill sequence with backup owners

Next review date: ____________________ · Person responsible: ____________________

Worksheet 6

Personal wealth and investment policy

Write rules that remain usable during market excitement, fear, and product sales pressure.

Goals, dates, required amounts, and priorityEmergency and near-term reserves protected from market riskRetirement and investment contribution rulesTarget allocation, diversification, and rebalancing ruleComplete fee inventory and maximum acceptable costSpeculative-risk ceiling and prohibited funding sourcesProfessional verification, beneficiary, giving, and annual review rules

Next review date: ____________________ · Person responsible: ____________________

Worksheet 7

Business weekly finance close

Connect reconciled books, unit economics, and future cash every week.

Bank, card, processor, payroll, and loan accounts reconciledMissing receipts, invoices, and uncategorized transactionsCash on hand and restricted tax or payroll reservesReceivables, payables, inventory, and customer concentrationContribution margin by major offerThirteen-week receipts and obligations updatedDecisions, owners, deadlines, and funding risks

Next review date: ____________________ · Person responsible: ____________________

Worksheet 8

Scam pause and verification worksheet

Slow an urgent financial demand long enough to verify identity, authority, destination, and risk.

Who initiated contact and through which channel?What action, amount, code, document, or access is requested?Which urgency, secrecy, authority, affection, or reward pressure is present?Independently verified organization and contact channelSecond-person or family-code verification completedWritten terms, fees, recipient, and reversal optionsDecision: stop, verify further, report, or proceed under the written rule

Next review date: ____________________ · Person responsible: ____________________