2020/2021 Money Management Calendar - UF/IFAS Extension - FCS5264 - UF/IFAS Branding ...
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UF/IFAS Extension
2020/2021 Money
Management Calendar
FCS5264Important Numbers We at UF/IFAS Extension hope you will use this calendar to help you bet-
ter manage your money. Use the calendar to organize your income and
Dial 911 if you or someone near you is having a life-threatening bills. You can list your bills on the dates they are due or when you need
emergency to pay them. Write down the dates you get paid and what you think the
amount will be. This will let you see a clear picture of your finances from
Dial 211 to access free and confidential crisis and emergency counseling,
month to month by showing when and where your money goes.
disaster assistance, food, health care and insurance assistance, stable
housing and utilities payment assistance, employment services, veterans For classes on budgeting, personal financial management, credit, saving,
services and childcare and family services. Managing in Tough Times, Small Steps to Health and Wealth, and many
other topics, contact your local UF/IFAS Extension office for class times
For poisoning questions or emergencies, call 1-800-222-1222
and locations.
Doctor _________________________________________________
If you would like one-on-one assistance with organizing your personal
Doctor _________________________________________________ finances, we can help you find someone to meet with you through our
Hospital ________________________________________________ Florida Master Money Mentor Program. You can be connected through
your local UF/IFAS Extension office or by sending an e-mail to:
Neighbor _______________________________________________ fmmm@ifas.ufl.edu.
Family Member _________________________________________ For more information, visit us online at: FloridaSaves.org.
Family Member _________________________________________
Health Department _____________________________________ Additional Resources
Veterinarian ____________________________________________
Building a Spending Plan Series
Insurance Agent http://edis.ifas.ufl.edu/topic_series_building_a_spending_plan
Car __________________________________________________ Basic Money Management
Home (for renters too) _________________________________ http://edis.ifas.ufl.edu/topic_money_management
Home Maintenance Money and Marriage: Saving for Future Use
http://edis.ifas.ufl.edu/he158
Plumber ______________________________________________
Florida Saves
Electrician ____________________________________________ https://americasaves.org/local-campaigns/florida-saves
Other ________________________________________________ PowerPay
Utilities https://powerpay.org
Electric _______________________________________________
Water ________________________________________________
Gas __________________________________________________
Garbage & Recycling ____________________________________
Hazardous Waste _______________________________________
Media
Newspaper ___________________________________________
Cable ________________________________________________
Internet ______________________________________________How to Build a Spending Plan
Good money management is a habit. It is an everyday task, especially Step 1. Write down your financial goals
if you need to stick to a plan to make ends meet or reach a goal. Good
money management begins with knowing your values, what you need Having goals for what to do with your money will help you make the
and want, and then setting up a plan to reach your goals. This Money everyday choices that come your way. When making goals, try using the
Management Calendar can help you see where your dollars are going SMART method. SMART goals are:
day by day. Use the calendar to help you make good money management Specific — What exactly will be achieved?
a habit!
Measurable — How much money will this cost?
A spending plan will:
Adaptable — Is this goal realistic?
• Reduce the stress of not knowing whether you have enough money
Relevant — Does this goal match your values and priorities?
to pay your bills when they are due
• Help you live within your income Time-bound — What is the target date for achieving this goal?
• Provide methods for keeping good records of spending Write both your short-term and long-term goals in the chart below.
• Create a way to measure your progress Prioritize your goals in the Rank Importance column. It's a good idea to
• Set a good example for others use a pencil for writing your plan.
Follow these 6 steps to build a spending plan: If your goal is to pay off debt, use Power Pay (http://powerpay.org).
1. Write down your financial goals A power payment system helps consumers repay their debt more effi-
2. Find out where your money is going: record your expenses and bills ciently. The Power Pay website provides a calendar that can be used
3. List all your sources of monthly income with this calendar. For additional help, contact your local UF/IFAS
4. Know what your bills are and when they are due Extension office for classes or one-on-one assistance through Florida
5. Determine if you’re living on what you make Master Money Mentors.
6. Develop a plan and stick to it
Write down your SMART goals here
Goal (be specific) Amount Needed Begin Saving Target Date to Have Number of Months Amount to Save Per Rank Importance
(Month and Year) Money (Month & Year) Month
4Step 2. Find out where your money is going: Amounts Spent by Week
Record your expenses Categories Week 1 Week 2 Week 3 Week 4 Week 5 Totals
Groceries
In order to manage your money, you have to know where your money is
Eating out
going. What do you buy? What monthly expenses do you have? What are
the different ways you can spend and encumber (make a promise to pay) Snacks
money? Entertainment
You may know exactly how much you are spending or you may have no Gas (for car)
idea. Either way, you need to know where your money is currently going Personal (haircuts,
grooming, etc.)
(what you are buying or paying for) in order to create a spending plan.
Start by recording everything you spend money on in a single week. Rent/Mortgage
Important: If more than one person in the family is spending, each per- Car payment
son needs to do this exercise. Add all the expenditures together at the Utilities (gas, water,
end of the week. Repeat this exercise each week for a full month. electric, etc.)
Day care
Monday Tuesday Wednesday Thursday Friday Saturday Sunday Total Clothing (new, dry
cleaning, repairs)
Car Maintenance
Lunch Gas Barber Lunch Lunch Laundry Pizza Total =
$10.00 $10.00 $20.00 $4.85 $12.50 $17.00 $24.23 $259.04
Groceries Lunch Soft drink Movies Clean-
$125.07 $8.85 $1.50 $16.25 ing
supplies
$8.67
After you have completed writing down your daily expenditures for a Totals
week, you will want to add other expenditures you make by check or au-
tomatic withdrawals from your checking account to pay bills (if you have The far right-hand bottom box on the chart will be your grand total for
this set up with your bank). Make a list of these expenditures and add the month. It should equal the total for the columns above it and equal
them to the totals for the week. the total of all the weeks across the bottom.
This chart will be helpful in completing Step 4 as well as showing you
Checks written or digital payments Automatic withdrawals this week (ATM) what bills (auto loan, rent, utilities) need to be paid in which weeks of
this week
each month.
Rent – $885.00 Gas company – $35.00
Groceries – $125.07 Electric company – $85.00
Day care – $250.00 Water bill – $15.00
Finally, total all your major categories for the month as you track expens-
es by the week. Your categories may be different from the example given,
so change them to fit your actual expenditures.
56
Step 3. List all sources of monthly income Step 4. Know what your bills are and when they are due
When developing your spending plan, use your net income or take-home Are your bills fixed or flexible? There are two major types of expenses in a
pay. Remember to include all forms of income. Examples of other types spending plan: 1) fixed expenses and 2) flexible or controllable expenses.
of income are take-home pay from another family member and self-em- Fixed expenses are those you usually pay on a regular basis. They may
ployment income from investments if you are using it to live on. Income be the same amount each time, or they may vary from month to month.
supplements, such as child/spousal support; food stamps; and Women, They usually have a big consequence (such as a penalty) if they are not
Infants, and Children (WIC), should also be listed. Tip: If you are paid paid or not paid on time.
weekly, add up 4 paycheck amounts. If you are paid every 2 weeks, add
up 2 paycheck amounts. This is the amount you can count on each Many fixed expenses are paid every month, but others have to be paid
month. Make your monthly plan based on this amount and use “extra” every three months (quarterly), every six months (semiannually), or
paychecks that you receive 2 or 4 times per year as savings for peri- every year (annually). These are called occasional or periodic fixed ex-
odic expenses or emergencies. If you have to pay federal taxes perhaps penses. Think of the total amount for each of these periodic expenses
your W4 needs to be altered. Complete a new Form W-4, Employee's for the entire year and divide by 12. This will show how much of each
Withholding Allowance Certificate, and submit it to your employer. month’s income needs to be set aside to have enough funds for that ex-
pense prior to it coming due. In Table 1 on the next page, list your month-
ly fixed expenses.
Monthly Net Income from All Sources
Income $
Flexible expenses are those that usually vary in amount from month to
month. Since you are not committed to previous agreements with others
Income $ for these amounts, you have more control over these expenses than you
Part-time income $ do for fixed expenses. The little decisions you make every day determine
if you spend a little or a lot. When you are squeezed financially, you can
Self-employment income $ cut back on flexible expenses or even cut some out.
Child support/Alimony $ Flexible expenses usually vary from month to month. People who keep
Public assistance/Food stamps/WIC $ spending records for the first time are often surprised by how much they
spend on things they don’t really need or want. In Table 2 on the next
Unemployment/Disability $
page, list your monthly flexible expenses.
Social Security $ As you gain better control over your flexible expenses, you will have an
Retirement/Pension $ easier time covering your fixed expenses, avoiding late penalties, and
achieving your financial goals.
Money from relatives $
Once you've recorded and totaled your fixed and flexible expenses, add
Investment income $ them together and record the grand total for your expenses in Table 3.
Other: $
Total $
7Table 1 Monthly Fixed Expenses Table 2 Monthly Flexible Expenses
Expenses $ per month Expenses $ per month
Housing Food and Supplies
Rent/Mortgage Groceries
TV/Internet Eating Out/Vending Machines /
Convenience Stores
Water
Cleaning/Other Supplies
Electricity/Fuel
Other
Phone
Subtotal $
Other
Clothing and Personal
Subtotal $
Clothing Purchases
Loans
Repairs/Alterations
Furniture/Appliances
Accessories and Shoes
Automobile
Hair Care/Personal Care
Credit Cards
Other
Other (student loans, etc.)
Subtotal $
Subtotal $
Transportation
Child Care
Ride Sharing/Public Transportation
Child Support
Maintenance (Tune-ups, tires, etc.)
Child care/After school
Operation (Gas, Oil)
Other
Other (Tags & Licenses)
Subtotal $
Subtotal $
Insurance
Medical Care
Health Doctor's bills/Copays
Life Prescriptions
Automobile Therapy
Home/Renters Other
Other Subtotal $
Subtotal $ Education/Recreation
Savings Movies/Music/Books
Emergency Fund School Supplies
Periodic Expense Fund Vacations
Holiday or Vacation Fund Others
Other Subtotal $
Subtotal $ Gifts & Donations
Other Birthdays/Holidays/Anniversaries
Tithes/Tuition/HOA Fees Charities
Other Other
Subtotal $ Subtotal $
8Table 3 Grand Total of Monthly Fixed and Flexible Expenses deficit. This will help you monitor your expenses in coming months so
Total Fixed Expenses $ you do not overspend your plan. You might be able to juggle to make
ends meet for a few months, but you will eventually be late on bills or
Total Flexible Expenses $ need to borrow to stay current. Make some hard decisions now to have a
balanced plan.
Grand Total of Expenses $
With the help of this calendar, you can do this step monthly after you
have made purchases and paid bills.
Step 5. Determine if you are living on what you make
In addition to changing expense category amounts, you can look at ways
Now that you have calculated your income (Step 3) and totaled your to increase your income by getting a second job, working consistent
fixed and flexible expenses (Step 4), you need to determine if you are liv- overtime if available, a family member getting a job, or upgrading your
ing on what you make (total expenses do not exceed total net income) or skills to get a better job.
if you are spending more than you make (total expenses exceed total net Step 6. Develop a plan and stick to it with the UF/IFAS
income). Money Management Calendar
Use the first table below if the total for your income in Step 3 is more
than your total expenses in Step 4. Use the second table below if your Use the calendar and charts for each month to plan and record your in
total expenses are more than your total income. come and expenses (see sample on the next page). On the calendar, write
how much income you expect on the dates you expect it. Write when and
My total income is more than my expenses how much you are going to save. When you get a bill, write in the due
Total Income (Step 3) $ date and how much you owe. Cross off items as you receive it, save it, or
pay it. You can also write reminders about how and when to pay bills so
Minus Total Expenses (Step 4, Table 3) - it gets there in time to avoid late fees. Write when you intend to shop for
Total Surplus $ groceries and supplies, recreational events and their cost, and any other
financial activities. Seeing these financial dates over time helps you
identify “cash flow” problems. In other words, your spending plan might
My total expenses are more than my income
tell you that you have enough money for the month, but does it come in
Total Expenses (Step 4, Table 3) $ at the right times? If not, you will need to save from the previous pay
check or ask if you can change due dates.
Minus Total Income (Step 3) -
Use the monthly flexible expense chart to write the amounts you actu-
Total Deficit $ ally spend by category (see sample on the next page). Add up category
amounts each week and compare to the amount you intended to spend
If you used the first table, the amount of surplus (unspent money) is for the month. Are you sticking with your plan or do you need to make
available for you to use for additional savings or to reach your short- or adjustments to your spending to make your money stretch for the
long-term goals. For example, you can save all or part of it, you can pur- month? Add up the amounts spent by category at the end of the month
chase something with the money, or you might use it as an extra pay- and compare to your planned amounts. Finally, record your total ex-
ment on an installment loan or mortgage. Return to Tables 1 and 2 to penses for each month on the chart that follows the December calendar
make these changes. Otherwise, this savings will disappear each month to track your expenses for the whole year.
with miscellaneous spending. Tip: Have a family meeting with those involved with your spending plan
If you used the second table, you have deficit spending. This is the to make sure it’s still realistic, that everyone is still committed to making
amount of money you must subtract from your expenses in order to keep this work, and to make adjustments for future months, if needed.
from spending more than you make. Return to Tables 1 and 2 in Step
4 and determine which categories you can reduce or cut out. The total
adjustments to the categories must be equal to or greater than this total
9Flexible & Occasional Expense Chart
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Sa
Supplies Personal Recreation
1 $50 $50
2 $40 $40
3
4 $40 $40
5
6 $60 $60
m
7 $173 $173
8
9 $25 $25
10
11 $40 $40
ple
12 $12 $12
13
14
15 $30 $50 $80
16
17 $40 $40
18
19
20
21 $187 $187
22 $80 $80
23 $13 $13
24
25 $7 $40 $47
26
27 $18 $18
28
29
30 $5 $5
31
Totals $510 $140 $260 $910
Expense Plan $450 $100 $300 $850
Over or Under Plan
$(60) $(40) $40 ($60)
10Sa
SUN MON TUES WED FRI SAT
January 2020
THURS
1 2 3 4 5 6 7
Student
Financial Wellness Month Pay day Grocery
Shop $180
loan
$1767
payment Savings
m
New Year’s
Monthly Income Jan 2020
Day $100 $125
Income/Wages $3533 8 9 10 11 12 13 14
Part-Time Income
Child Support/Alimony Rent Utilities
Due Due $195
Public Assistance/Food Stamps/WIC
ple
Unemployment/Disability
$975
Social Security
Retirement/Pension 16 17 20 21
15 18 19
Money from Relatives Cell Grocery
Other Phone Cable & Pay day Shop $180
Total Income $3533 Due $80 Internet $1,766
Martin Luther Due $135 Savings
Fixed Expenses King, Jr. Day $100
Housing (rent/mortgage) $975
Utilities (electric/natural gas/water) $195 22 23 24 25 26 27 28
Cell phone $80 Auto
Car
Cable/Internet $135 Insurance
payment
Loans $500 Due $390
Child Care $400
Insurance $390
Savings $225 29 30 31 Savings Tip—Even though credit card debt is a fixed expense,
monthly payment amounts vary according to expenditures and
Other should be paid in full each month to avoid consequences such as
Total Fixed Expenses $2500 late fees, interest charges and changes to your credit score.
This Month's Results
Actual Income $3533
Actual Fixed Expenses $2500
Sub-total (subtract fixed from income) $1,033 Goals:
Actual Flexible Expenses (from previous
page) $910
Amount Saved or Overspent (subtract
flexible from subtotal) $123
11Flexible & Occasional Expense Chart for September 2020
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Totals
Expense Plan
Over or Under Plan
12SUN MON TUES WED FRI SAT
September 2020
THURS
1 2 3 4 5
Self Improvement Month
Monthly Income Sept 2020
Income/Wages
6 7 8 9 10 11 12
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability
Labor Day Patriot Day
Social Security
Retirement/Pension
13 14 15 16 17 18 19
Money from Relatives
Other
Total Income
Fixed Expenses
Rosh Hashanah
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 20 21 22 23 24 25 26
Cell phone
Cable/Internet
Loans Autumn
Child Care Begins
Insurance
27 28 29 30 Savings Tip—If you’re paid bi-weekly, in two
Savings
months of each year you will receive three
Other paychecks. Employees who are paid weekly
Total Fixed Expenses will receive an “extra” check in four months
This Month's Results of each year. Put at least part of this money
into savings, or start an emergency fund.
Actual Income
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
13Flexible & Occasional Expense Chart for October 2020
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Totals
Expense Plan
Over or Under Plan
14SUN MON TUES WED FRI SAT
October 2020
THURS
Savings Tip—Never purchase expensive items on impulse. 1 2 3
Financial Planning Month Instead, think over each expensive purchase for at least 24
hours, and discuss the purchase with your family. Acting on
this principle will help you have far fewer regrets about impulse
purchases, and far more money for emergency savings.
Monthly Income Oct 2020
Income/Wages
4 5 6 7 8 9 10
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability
Yom Kippur
Social Security
Retirement/Pension
11 12 13 14 15 16 17
Money from Relatives
Other
Total Income
Fixed Expenses
Columbus Day
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 18 19 20 21 22 23 24
Cell phone
Cable/Internet
Loans
Child Care
Insurance
Savings 25 26 27 28 29 30 31
Other
Total Fixed Expenses
This Month's Results
Actual Income Halloween
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
15Flexible & Occasional Expense Chart for November 2020
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Totals
Expense Plan
Over or Under Plan
16SUN MON TUES WED FRI SAT
November 2020
THURS
1 2 3 4 5 6 7
National Alzheimer's Disease Awareness Month
Daylight Saving
Monthly Income Nov 2020 Time Ends Election Day
Income/Wages
8 9 10 11 12 13 14
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability
Veterans Day
Social Security
Retirement/Pension
15 16 17 18 19 20 21
Money from Relatives
Other
Total Income
Fixed Expenses
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 22 23 24 25 26 27 28
Cell phone
Cable/Internet
Loans
Child Care Thanksgiving
Insurance
29 30 Savings Tip—Remember, the holiday season is about spending time with loved
Savings
ones first—gifts are a distant second.
Other
Total Fixed Expenses
This Month's Results
Actual Income
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
17Flexible & Occasional Expense Chart for December 2020
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Totals
Expense Plan
Over or Under Plan
18SUN MON TUES WED FRI SAT
December 2020
THURS
1 2 3 4 5
Identity Theft Prevention and Awareness Month
Monthly Income Dec 2020
Income/Wages
6 7 8 9 10 11 12
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability
Hanukkah
Social Security
Retirement/Pension
13 14 15 16 17 18 19
Money from Relatives
Other
Total Income
Fixed Expenses
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 20 21 22 23 24 25 26
Cell phone
Cable/Internet
Loans
Child Care Winter Begins Christmas Day Kwanzaa
Insurance
27 28 29 30 31 Savings Tip—Spend no
Savings
more than 1 to 3% of your
Other take-home pay for the
Total Fixed Expenses holidays (gifts, special
This Month's Results
meals, etc.). Calculate that
New Year's Eve
amount and open a Holiday
Actual Income Club account in January.
Actual Fixed Expenses Automatically deposit 1/12
of that amount each month
Sub-total (subtract fixed from income) Goals:
next year and you will be
Actual Flexible Expenses (from previous ready for holiday spending.
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
19Flexible & Occasional Expense Chart for January 2021
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Totals
Expense Plan
Over or Under Plan
20SUN MON TUES WED FRI SAT
January 2021
THURS
Savings Tip—According to the U.S. Department of Energy, a typical U.S. family 1 2
National Mentoring Month spends about $1,900 a year on home utility bills. Unfortunately, much of that
energy is wasted. Live sustainably! Find out how to conserve energy and save
money at: www.energysavers.gov.
New Year’s
Monthly Income Jan 2021 Day
Income/Wages
3 4 5 6 7 8 9
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability
Social Security
Retirement/Pension 12 14 15 16
10 11 13
Money from Relatives
Other
Total Income
Fixed Expenses National Cut Your
Energy Costs Day
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 17 18 19 20 21 22 23
Cell phone
Cable/Internet
Loans
Martin Luther
Child Care King, Jr. Day
Insurance
24 25 26 27 28 29 30
Savings
Other
Total Fixed Expenses
This Month's Results
Actual Income 31
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
21Flexible & Occasional Expense Chart for February 2021
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
Totals
Expense Plan
Over or Under Plan
22SUN MON TUES WED THURS FRI SAT
February 2021 1 2 3 4 5 6
National Heart Month
Groundhog Day
Monthly Income Feb 2021
Income/Wages
7 8 9 10 11 12 13
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability
Social Security
Retirement/Pension 16
14 15 17 18 19 20
Money from Relatives
Other
Total Income
Fixed Expenses Valentine’s Day Presidents’ Day Ash Wednesday
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 21 22 23 24 25 26 27
Cell phone
Cable/Internet
Loans
Florida Saves Week Feb. 22-27
Child Care
Insurance
28 Savings Tip—Celebrate Florida Saves Week by starting a new savings account or increasing your
Savings
current level of savings. Sign up to be a saver and get tips and tools to help you “Set a Goal. Make
Other a Plan. Save Automatically” at: www.americasaves.org.
Total Fixed Expenses
This Month's Results
Actual Income
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
23Flexible & Occasional Expense Chart for March 2021
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Totals
Expense Plan
Over or Under Plan
24SUN MON TUES WED FRI SAT
March 2021
THURS
1 2 3 4 5 6
National Consumer Protection Month
Monthly Income Mar 2021
Income/Wages
7 8 9 10 11 12 13
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability
Social Security
Retirement/Pension
14 15 16 17 18 19 20
Money from Relatives
Other
Total Income
Fixed Expenses Daylight Saving
Time Begins St. Patrick’s Day Spring Begins
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 21 22 23 24 25 26 27
Cell phone
Cable/Internet
Loans
Child Care
Insurance
28 29 30 31 Savings Tip—Saving a portion of your tax refund
Savings
is a good way to prepare for life’s unexpected
Other events. The IRS makes saving your tax refund
Total Fixed Expenses very easy. Simply file Form 8888 with your tax
Palm Sunday
return. Form 8888 allows you to direct deposit
This Month's Results
your tax refund into up to three different
Actual Income Passover accounts. Visit www.irs.gov for more information.
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
25Flexible & Occasional Expense Chart for April 2021
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Totals
Expense Plan
Over or Under Plan
26SUN MON TUES WED FRI SAT
April 2021
THURS
Savings Tip—One way to have “the money talk” is to have a 1 2 3
Financial Literacy Month family meeting. At this meeting, help each family member
consider their own attitude and way of thinking about money.
Good Friday
Monthly Income Apr 2021
Income/Wages
4 5 6 7 8 9 10
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability
Easter
Social Security
Retirement/Pension 11 12 13 14 15 16 17
Money from Relatives
Other
Total Income
Tax Return
Fixed Expenses
Ramadan Deadline
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 18 19 20 21 22 23 24
Cell phone
Cable/Internet Teach Your
Children to
Loans Save Day
Child Care Earth Day
Insurance
25 26 27 28 29 30
Savings
Other
Total Fixed Expenses
This Month's Results
Actual Income
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
27Flexible & Occasional Expense Chart for May 2021
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Totals
Expense Plan
Over or Under Plan
28SUN MON TUES WED FRI SAT
May 2021
THURS
Savings Tip—Save your loose change—pennies make dollars! According to America Saves, saving 1
fifty cents a day over the course of a year will allow you to save nearly 40% of a $500 emergency
National Recommitment Month fund. Remember, over time, small change can generate big savings! For more information, visit
www.americasaves.org.
International
Monthly Income May 2021 Workers' Day
Income/Wages
2 3 4 5 6 7 8
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability
Social Security
Retirement/Pension 10 11
9 12 13 14 15
Money from Relatives
Other
Total Income
Fixed Expenses Armed Forces
Mother’s Day Day
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 16 17 18 19 20 21 22
Cell phone
Cable/Internet
Loans
Child Care
Insurance
23 24 25 26 27 28 29
Savings
Other
Total Fixed Expenses
Memorial
This Month's Results Day
Actual Income 30 31
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
29Flexible & Occasional Expense Chart for June 2021
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Totals
Expense Plan
Over or Under Plan
30SUN MON TUES WED THURS FRI SAT
June 2021 1 2 3 4 5
National Safety Month
Monthly Income June 2021
Income/Wages
6 7 8 9 10 11 12
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability
Social Security
Retirement/Pension
13 14 15 16 17 18 19
Money from Relatives
Other
Total Income
Fixed Expenses
Flag Day Juneteenth
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 20 21 22 23 24 25 26
Cell phone
Cable/Internet
Loans Father’s Day
Child Care Summer Begins
Insurance
27 28 29 30 Savings Tip—Try not to purchase anything
Savings
on credit that will be used up before you have
Other paid for it. Food, clothing, and vacations are
Total Fixed Expenses examples of items that you could be paying
for long after they have been consumed.
This Month's Results
Remember: When using credit, you are
Actual Income spending tomorrow's income today!
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
31Flexible & Occasional Expense Chart for July 2021
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Totals
Expense Plan
Over or Under Plan
32SUN MON TUES WED FRI SAT
July 2021
THURS
Savings Tip—Always “pay yourself first.” This means setting 1 2 3
aside money from each paycheck as soon as you earn it, rather
Health Insurance Awareness Month than waiting to see what, if anything, is left at the end of the
month. Using automatic deductions makes this easy. Provide
yourself peace of mind.
Monthly Income July 2021
Income/Wages
4 5 6 7 8 9 10
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Independence
Unemployment/Disability
Day
Social Security
Retirement/Pension
11 12 13 14 15 16 17
Money from Relatives
Other
Total Income
Fixed Expenses
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 18 19 20 21 22 23 24
Cell phone
Cable/Internet
Loans
Child Care
Insurance
Savings
25 26 27 28 29 30 31
Other
Total Fixed Expenses
This Month's Results
Actual Income
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
33Flexible & Occasional Expense Chart for August 2021
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Totals
Expense Plan
Over or Under Plan
34SUN MON TUES WED THURS FRI SAT
August 2021 1 2 3 4 5 6 7
National Wellness Month
Monthly Income Aug 2021
Income/Wages
8 9 10 11 12 13 14
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability
Social Security
Retirement/Pension 15 16 17 18 19 20 21
Money from Relatives
Other
Total Income
Fixed Expenses
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 22 23 24 25 26 27 28
Cell phone
Cable/Internet
Loans
Child Care
Insurance
29 30 31 Savings Tip—Make savings an “expense” in your spending
Savings
plan (budget), just like housing, utility bills, or a car payment.
Other Automate savings through monthly deductions. Savings
Total Fixed Expenses encourage sound financial habits. It's one of the pillars of
This Month's Results personal finance.
Actual Income
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
35Flexible & Occasional Expense Chart for September 2021
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Totals
Expense Plan
Over or Under Plan
36SUN MON TUES WED FRI SAT
September 2021
THURS
Savings Tip—Designate one day a week a "no- 1 2 3 4
spend day." Reserve one night a week for free
Self Improvement Month
family and friends fun. Cook at home, and plan
out free activities such as game night, watching
a movie, or going to the park.
Monthly Income Sept 2021
Income/Wages
5 6 7 8 9 10 11
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability
Labor Day Rosh Hashanah Patriot Day
Social Security
Retirement/Pension 13 14
12 15 16 17 18
Money from Relatives
Other
Total Income
Fixed Expenses
Yom Kippur
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 19 20 21 22 23 24 25
Cell phone
Cable/Internet
Loans
Autumn
Child Care Begins
Insurance
26 27 28 29 30
Savings
Other
Total Fixed Expenses
This Month's Results
Actual Income
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
37Flexible & Occasional Expense Chart for October 2021
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Totals
Expense Plan
Over or Under Plan
38SUN MON TUES WED FRI SAT
October 2021
THURS
Savings Tip—Plan your meals in advance and stick to a list while grocery 1 2
shopping. People who do food shopping with a list, and buy little else, spend
Financial Planning Month
much less money than those who decide what to buy when they get to the food
National Cyber Security Month market. The annual savings could easily be hundreds of dollars.
Monthly Income Oct 2021
Income/Wages
3 4 5 6 7 8 9
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability
Social Security
Retirement/Pension
10 11 12 13 14 15 16
Money from Relatives
Other
Total Income
Fixed Expenses
Columbus Day
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 17 18 19 20 21 22 23
Cell phone
Cable/Internet
Loans
Child Care
Insurance
Savings 24 25 26 27 28 29 30
Other
Total Fixed Expenses
This Month's Results Halloween
Actual Income 31
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
39Flexible & Occasional Expense Chart for November 2021
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Totals
Expense Plan
Over or Under Plan
40SUN MON TUES WED THURS FRI SAT
November 2021 1 2 3 4 5 6
National Alzheimer's Disease Awareness Month
Election Day
Monthly Income Nov 2021
Income/Wages
7 8 9 10 11 12 13
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability Daylight Saving
Time Ends Veterans Day
Social Security
Retirement/Pension
14 15 16 17 18 19 20
Money from Relatives
Other
Total Income
Fixed Expenses
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 21 22 23 24 25 26 27
Cell phone
Cable/Internet
Loans
Child Care Thanksgiving
Insurance
28 29 30 Savings Tip—It can be easy to overspend on holiday shopping,
Savings
but with a little bit of planning and budgeting, it is possible to
Other celebrate without spending all of your cash or maxing out your
Total Fixed Expenses credit cards.
This Month's Results
Actual Income Hanukkah
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
41Flexible & Occasional Expense Chart for December 2021
Date Food & Clothing & Transportation Medical Education/ Gifts/Donations Total
Supplies Personal Recreation
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Totals
Expense Plan
Over or Under Plan
42SUN MON TUES WED FRI SAT
December 2021
THURS
Savings Tip—Holiday spending can be a source 1 2 3 4
Identity Theft Prevention and Awareness Month of family financial stress. Set limits, make a
list and check it twice. Remember – this is the
season of giving – not the season of spending.
Call your local UF/IFAS Extension office to
order the 2022 Money Management Calendar.
Monthly Income Dec 2021
Income/Wages
5 6 7 8 9 10 11
Part-Time Income
Child Support/Alimony
Public Assistance/Food Stamps/WIC
Unemployment/Disability
Social Security
Retirement/Pension 12 13 14 15 16 17 18
Money from Relatives
Other
Total Income
Fixed Expenses
Housing (rent/mortgage)
Utilities (electric/natural gas/water) 19 20 21 22 23 24 25
Cell phone
Cable/Internet
Loans
Child Care Winter Begins Christmas Day
Insurance
Savings
26 27 28 29 30 31
Other
Total Fixed Expenses
This Month's Results
Actual Income Kwanzaa New Year's Eve
Actual Fixed Expenses
Sub-total (subtract fixed from income) Goals:
Actual Flexible Expenses (from previous
page)
Amount Saved or Overspent (subtract
flexible from subtotal)
43Flexible & Occasional Expense Chart for 2020/2021
Month Food & Clothing & Transportation Medical Education/ Gifts/ Total
Supplies Personal Recreation Donations
September
October
November
December
January
February
March
April
May
June
July
August
September
October
November
December
Totals
Expense Plan
Over or Under plan
44Notes
September May
October June
November July
December August
January September
February October
March November
April December
45UF/IFAS Extension is in Each of Florida's 67 Counties
HOLMES
ESCAMBIA
JACKSON
SANTA ROSA OKALOOSA WALTON
WASHINGTON NASSAU
GADSDEN
N
SO HAMILTON
CALHOUN LEON ER
EFF MADISON
BAY J
DUVAL
A
BAKER
BI
LIBERTY SUWANNEE
M
WAKULLA
LU
TAYLOR
CO
RD
UNION
NS
FO
CLAY
GULF LAFAYETTE
AD
FRANKLIN
JOH
BR
ST.
GILCHRIST
ALACHUA
DIXIE MAIN PUTNAM
CAMPUS
FLAGLER
LEVY
MARION
VOLUSIA
CITRUS
SUMTER
SEMINOLE
LAKE
HERNANDO
ORANGE
PASCO
BREVARD
HILLSBOROUGH OSCEOLA
POLK
PINELLAS
INDIAN
RIVER
MANATEE HARDEE OKEECHOBEE
HIGHLANDS ST. LUCIE
SARASOTA
DE SOTO
MARTIN
CHARLOTTE GLADES
LEE HENDRY PALM BEACH
BROWARD
COLLIER
To find your local UF/IFAS Extension office, visit
sfyl.ifas.ufl.edu/find-your-local-office/ MIAMI-DADE
MONROEAlachua County DeSoto County Hardee County Leon County Orange County St. Lucie County
106 SW 140th Terr. Suite 3 2150 NE Roan St 507 Civic Center Dr 615 Paul Russell Rd 6021 S Conway Rd 8400 Picos Rd, Ste 101
Jonesville, FL 32669 Arcadia, FL 34266 Wauchula, FL 33873 Tallahassee, FL 32301 Orlando, FL 32812 Ft Pierce, FL 34945
Phone: (352) 955-2402 Phone: (863) 993-4846 Phone: (863) 773-2164 Phone: (850) 606-5200 Phone: (407) 254-9200 Phone: (772) 462-1660
Baker County Dixie County Hendry County Levy County Osceola County Sumter County
1025 W Macclenny Ave 99 NE 121st St 1085 Pratt Blvd, PO Box 68 625 N Hathaway Ave. 1921 Kissimmee Valley Ln 7620 SR 471, Ste 2
Macclenny, FL 32063 PO Box 640 Labelle, FL 33975 Bronson, FL 32621 Kissimmee, FL 34744 Bushnell, FL 33513
Phone: (904) 259-3520 Cross City, FL 32628 Phone: (863) 674-4092 Phone: (352) 486-5131 Phone: (321-697-3000 Phone: (352) 569-6862
Phone: (352) 498-1237
Bay County Hernando County Liberty County Palm Beach County Suwannee County
2728 E 14th St Duval County 16110 Aviation Loop Dr 10405 NW Theo Jacobs Way 559 N Military Tr 1302 11th St, SW
Panama City, FL 32401 1010 N McDuff Ave Brooksville, FL 34604 Bristol, FL 32321 West Palm Beach, FL 33415 Live Oak, FL 32064
Phone: (850) 248-8091 Jacksonville, FL 32254 Phone: (352) 754-4433 Phone: (850) 643-2229 Phone: (561) 233-1700 Phone: (386) 362-2771
Phone: (904) 255-7450
Bradford County Highlands County Madison County Pasco County Taylor County
2266 N Temple Ave Escambia County 4509 George Blvd 184 NW College Loop 36702 SR 52 203 Forest Park Dr
Starke, FL 32091 3740 Stefani Rd Sebring, FL 33872 Madison, FL 32340 Dade City, FL 33525 Perry, FL 32348
Phone: (904) 966-6224 Cantonment, FL 32533 Phone: (863) 402-6540 Phone: (850) 973-4138 Phone: (352)-518-0156 Phone: (850) 838-3508
Phone: (850) 475-5230
Brevard County Hillsborough County Manatee County Pinellas County Union County
3695 Lake Dr Flagler County 5339 S CR 579 1303 17th St, W 12520 Ulmerton Rd 25 NE 1st St
Cocoa, FL 32926 150 Sawgrass Rd Seffner, FL 33584 Palmetto, FL 34221 Largo, FL 33774 Lake Butler, FL 32054
Phone: (321) 633-1702 Bunnell, FL 32110 Phone: (813) 744-5519 Phone: (941) 722-4524 Phone: (727) 582-2100 Phone: (386) 496-2321
Phone: (386) 437-7464
Broward County Holmes County Marion County Polk County Volusia County
3245 College Avenue Franklin County 1169 E Hwy 90 2232 NE Jacksonville Rd 1702 S Holland Pkwy. 3100 E New York Ave
Davie, FL 33314 261 Dr. Frederick Bonifay, FL 32425 Ocala, FL 34470 Bartow, FL 33830 DeLand, FL 32724
Phone: (954) 756-8550 Humphries Street Phone: (850) 547-1108 Phone: (352) 671-8400 Phone: (863) 519-1041 Phone: (386) 822-5778
Apalachicola, FL 32320-1775
Calhoun County Indian River County Martin County Putnam County Wakulla County
Phone: (850) 653-9337
20816 Central Ave E, Ste 1 1800 27th St, Bldg B 2614 SE Dixie Hwy 111 Yelvington Rd, Ste 1 84 Cedar Ave
Blountstown, FL 32424 Gadsden County Vero Beach, FL 32960-0310 Stuart, FL 34996 E Palatka, FL 32131 Crawfordville, FL 32327
Phone: (850) 674-8323 2140 West Jefferson Street Phone: (772) 226-4330 Phone: (772) 288-5654 Phone: (386) 329-0318 Phone: (850) 926-3931
Quincy, FL 32351
Charlotte County Jackson County Miami-Dade County Santa Rosa County Walton County
Phone: (850) 875-7255
1120Centennial Boulevard 2741 Pennsylvania Ave, Ste 3 18710 SW 288th St 6263 Dogwood Dr 732 N 9th St
Port Charlotte, FL 33953 Gilchrist County Marianna, FL 32448 Homestead, FL 33030 Milton, FL 32570 DeFuniak Springs, FL 32433
Phone: (941) 764-4340 125 East Wade Street Phone: (850) 482-9620 Phone: (305) 248-3311 Phone: (850) 623-3868 Phone: (850) 892-8172
Trenton, FL 32693-0157
Citrus County Jefferson County Monroe County Sarasota County Washington County
Phone: (352) 463-3174
3650 W Sovereign Path, Ste 1 2729 W Washington St 1100 Simonton St, Rm 2-260 6700 Clark Rd 1424 Jackson Ave, Ste A
Lecanto, FL 34461 Glades County Monticello, FL 32344 Key West, FL 33040 Sarasota, FL 34241 Chipley, FL 32428
Phone: (352) 527-5700 900 US Hwy 27, SW, Phone: (850) 342-0187 Phone: (305) 292-4501 Phone: (941) 861-9900 Phone: (850) 638-6180
PO Box 1527
Clay County Lafayette County Nassau County Seminole County
Moore Haven, FL 33471
2463 SR 16, W 176 SW Community Cr, 543350 US Hwy 1 250 W County Home Rd
Phone: (863) 946-0244
Green Cove Springs, Ste D Callahan, FL 32011 Sanford, FL 32773
FL 32043 Gulf County Mayo, FL 32066 Phone: (904) 530-6353 Phone: (407) 665-5560
Phone: (904) 284-6355 232 E. Lake Ave. Phone: (386) 294-1279
Okaloosa County Seminole Tribe
Wewahitchka, 32465
Collier County Lake County 3098 Airport Rd of Florida
Phone: (850) 639-3200
14700 Immokalee Rd 1951 Woodlea Rd Crestview, FL 32539 15465 Reservation Rd
Naples, FL 34120 Hamilton County Tavares, FL 32778 Phone: (850) 689-5850 Okeechobee, FL 34974
Phone: (239) 252-4800 1143 US Hwy 41, NW Phone: (352) 343-4101
Okeechobee County Phone: (863) 763-5020
Jasper, FL 32052
Columbia County Lee County 458 Hwy 98, N St. Johns County
Phone: (386) 792-1276
437 NW Hall of Fame Drive 3410 Palm Beach Blvd Okeechobee, FL 34972 3125 Agricultural Center Dr
Lake City, FL 32055-3708 Fort Myers, FL 33916 Phone: (863) 763-6469 St Augustine, FL 32092
Phone: (386) 752-5384 Phone: (239) 533-7500 Phone: (904) 209-0430Income Tax Updates
Major tax law changes have affected every taxpayer filing an income tax Expenses: You can lower the amount of tax you owe by deducting certain
return since 2018. Highlights include: expenses.
• Standard deduction nearly doubled There are two types of tax credits:
• Various deductions limited or discontinued A nonrefundable tax credit means you get a refund only up to the
Child Tax Credit: The maximum credit is now $2,000 for each qualifying amount you owe.
child under age 17. A refundable tax credit means you get a refund, even if it's more than
Taxpayers can claim a $500 credit for each dependent who does not qual- what you owe.
ify for the Child Tax Credit. This includes older children and qualifying Popular credits include:
relatives, such as a parent.
Credits for Individuals:
The IRS’s Volunteer Income Tax Assistance (VITA) and Tax Counseling
for the Elderly (TCE) programs offer free basic tax return preparation to • Family and Dependent Credits
qualified individuals. • Earned Income Tax Credit
VITA/TCE services are FREE. • Child and Dependent Care Credit
• Do it yourself with free software available at Free File: Other popular credits:
irs.gov/filing/free-file-do-your-federal-taxes-for-free.
• Credit for Other Dependents
• Find a location where an IRS trained and certified
volunteer can prepare your income tax return for you: • Credit for the Elderly or Disabled
irs.gov/individuals/find-a-location-for-free-tax-prep. • Income and Savings Credits
At select tax sites, taxpayers also have an option to prepare their own • Saver's Credit
basic federal and state tax return free using Web-based tax preparation
software with an IRS-certified volunteer to help guide you through the Health Care Credits for individuals:
process. This option is only available at locations that list “Self-Prep” in • Premium Tax Credit (Affordable Care Act)
the site listing. • Health Coverage Tax Credit
If you are self-employed or a contract worker and are issued a 1099 Education Credits for individuals:
MISC., it is imperative that you keep good financial records.
• American Opportunity Credit, and
Income: You must report all income on your tax return, even if you do
not receive Forms 1099 from the businesses that pay you. • Lifetime Learning Credit
This document is FCS5264, a publication of the Department of Family, Youth and Community Sciences, UF/IFAS Extension, Gainesville, FL 32611. Revised: August 2020.
Please visit the EDIS website at http://edis.ifas.ufl.edu.
Michael Gutter, Associate Dean for Extension and State Program Leader, 4-H Youth Development, Families and Communities, UF/IFAS Extension, Gainesville, FL 32611.
An Equal Opportunity Institution. UF/IFAS Extension, University of Florida, Institute of Food and Agricultural Sciences, Nick T. Place, dean for UF/IFAS Extension. Single copies of UF/IFAS Extension publications
(excluding 4-H and youth publications) are available free to Florida residents from their local UF/IFAS Extension office.You can also read
