| Budget | Look at your estimated gift expenses for each
year and begin saving now for next year. Consider a vacation club to pay for next year's vacation rather than use
credit cards | | Shop | Shop final sales on winter clothing, sports equipment, blankets---you may not have the largest choice but
this will be the final sales of the season | | Spring Cleaning | May pay off---hold a garage sale for all those items you no longer need or want. If you have
hold an individual garage sale no more than once per year, your homeowners policy will normally cover any liability exposure.
However, if you begin displaying at flea markets, etc., it may be considered a business and you will need a new policy | | Organize | Your personal address book
now---the holiday season is stressful enough---don't spend November & December searching for addresses in order to
send holiday cards | | Insurance | Have you added valuables to your policy? Stamp collections, jewelry, silver, fine arts, paintings, sports
memorabilia and other specialty items should be insured specifically on your policy in order to be properly covered | | Summer jobs? | Planning to do babysitting
for the summer? Kids going to mow lawns, do child care, or other work? You WILL NEED TO CONSIDER INSURANCE....Unless
you are working for someone else who is providing insurance, you have a risk of being sued and will need to purchase a business
policy! | | Medical
Records | Do
you have everyone's medical records & immunizations up to date? Children may need physicals for summer camps
(or the new school year)...Make appointments, update records now. |
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Planning Calendar Checklist
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