After all, the good things in life usually cost money—a whole lot of money. But stuck in the daily grind, it’s easy to forget to plan and save for the future. Here’s an easy solution. And all it requires is a few hours, a few smart tricks and some discipline:

1. JUNE
2017
HERE’S HOW YOU
MAKE YOUR ANNUAL
FINANCIALCALENDAR

2. WANT TOTRAVEL ABROADTHIS YEAR?
Ormaybe, youhaveyoureyes set ona new house? Or
buya newcar?
Super!Congratulations.
BUT WHAT ABOUTTHE MONEY?

3. LET’S SAY YOU ARETRAVELLINGTOITALYIN OCTOBER
It will costyou:
Rs 40,000for returnairfare
Rs 50,000foraccommodation
Rs 30,000for food,otherexpenses
Onesalary would not be enoughtopay forthis.
Plus, you spend for this at differenttimes—like3
months before the tripwhen youbook
yourtickets.

4. DOYOU HAVE ENOUGH TO
AFFORDALLTHIS AND
CONTINUE LIVING AGOOD LIFE?
Solution:
A beautifulannualfinancialcalendar
LET US HELP YOU MAKE ONE.
SUN MON
1 2
4
11
18
25
5
12
19
26
28
31
7
14
21
27
30
6
13
20
FRI SAT
TUESDAY
7JUNE
TUE WED THU
1 2 3
8 9 10
15 16 17
22 23 24
29 30 31

6. STEP 1
ASSESS YOUR FINANCIAL CONDITION
AND SET REASONABLE GOALS
Divide themintoshort-termand long-termgoals.
This sets aclear path for planning.

7. HAVE THE VISION TOMAKE PROVISIONS
Set aside a part of yourmonthlyincome for yourfixed
expenditure.
Thesearetheexpenses youabsolutely cannotaffordtoavoid.
This includes loan Equated Monthly Instalments (EMIs), rent,
utilitybills,etc.
STEP 2

8. FROM WHATEVER IS LEFT,SAVE A PORTION.
This could be foryourannual goals liketheItalytrip,
birthdays and anniversaries,etc.
It could also include yourinsurance and monthly
investments for futuregoals.
STEP 3

9. TAX
Start with the threeprioritiesinlife—safety,saving tax and
beingready foremergencies
Health and TermLife Insurance—simple andcheap!
Tax-saving investments—divide into12and invest every month Small
monthlyinvestments of Rs 500or1,000
foremergencies
Otherprioritiescan be:Buying a house, gettingmarried,
having kids,saving tostartyourown firm
and post-retirementkitty.
IF YOU DON’T HAVE THESE PLANNED, STARTRIGHT AWAY.

10. SPEND THE REMAINING AMOUNT TOYOUR
HEART’SCONTENT.
After all,what goodis a plan that shuns leisure and
entertainment!
STEP 4

11. Spread out yourmajor expendituresover a couple of
months.
Schedule yourexpenses and investments correctly in
themonth.
WAIT...IT’S NOT OVER YET!
Learn to divideand rule.
STEP 5
WAIT

12. 1stWeek
2ndWeek
Tax-saving investments
Insurancepremiums
3rdWeek
Telephone bills
Otherutilitybills
4thWeek
Entertainment and leisure
Emergencyfund
EMI
Rent
Otherfixedexpenditure
WEEK EXPENDITURE

13. Keep savings ina separatebankaccount.This helps ensure you don’t
spendit.
Prioritiseyourexpenditure.Know what you need,and what youwant.
Consider automating bothyourexpenses and yourinvestments to satisfy
the lazybone.
Use EMI calculators,reminderapps, budgetingtools to
check expenses, etc.–whatever helps you tick.
Use credit cards wiselytodelay payments by
one-and-a-half month.But
don’tpileondebt.
SOME SMART TIPS THATCAN COMETOYOUR HELP:

14. It takes only an houror so tomakeyourcalendar.
Butit cansavehoursanddays of timeinthewhole year.
Plus, with a healthy plan,you are better prepared—bothforgoals and emergencies. Youcan
master thisart with systematic financialplanning.
A well thought of financialcalendar comeshandy inthiscase.
REMEMBER: