Win a 2012 Money Planner Workbook!
Kimberly Palmer knows a few things about financial planning. As author of the book Generation Earn, a guide to finances for young professionals, and a personal finance columnist for U.S. News & World Report, Kimberly has an extensive understanding of how people can successfully achieve their financial goals. Now she's taken this information and distilled it into a series of money-planning workbooks to help people reach goals such as getting out of debt, preparing financially for a new baby, and simply taking better control of their finances over the course of a year.
Kimberly's 2012 Money Planner is a 50-page guide aimed at helping users have a financially great 2012 (and beyond). The workbook begins with an area to set goals for the year, and then helps you by breaking down your financial to-dos into monthly chunks.
One of the things I love about this workbook is that it strikes a positive, can-do tone. It's easy to only think about financial planning negatively ("I need to get better at saving..."). But the very first section of the book, "My Money Vision," has users focus not just on what they need to improve, but also what their financial strengths are.
The goal-setting guidance, structured quarterly financial check-ins, and other sections that help you track your finances and visualize your budget are the workbook's strengths, and they provide a solid structure for planning.
I do, however, recommend flipping ahead in the workbook if you get it. If you're trying to make a major financial overhaul, the month-to-month suggestions are great, but I would have liked to see many of them come sooner. Several changes aren't addressed in January, but in later months, including making a plan to pay down your debt, carefully examining discretionary spending, and starting an emergency fund. Just because you skip ahead on those doesn't mean you can't also revisit those areas when you reach the month they're addressed in the book, though.
If you feel like you need some guidance to help you get your financial plan in order, especially if you like having a pen-and-paper way to track your finances, this workbook could be helpful for you. And if you feel like it would be...enter our giveaway!
Money Planner Giveaway
We're giving away three copies of Kimberly's printable-PDF 2012 Money Planner (an $8 value). To enter, leave a comment with a financial goal you hope to achieve in 2012.
- Contest ends Wednesday, November 30 at 11:59 pm Pacific. Winners will be announced after November 30th on the original post. Winners will also be contacted via email.
- You must be 18 and US resident to enter. Void where prohibited.
Disclosure: I received a free PDF copy of Kimberly's money planner for review.