Phil Town’s

12 Month
FINANCIAL SUCCESS PLANNER

Use This Financial Calendar To Set Up

Your Most Successful Year Ever

“The only real limit to what you

can be, do, and have are the
limits you place on yourself.”

– Phil Town
 How Will You Get To Your Most
Successful Year Ever?

Get Challenge
Organized Yourself

Set Your Reflect and

Goals Improve

Stay Celebrate
Focused Success

Using This Planner

This 12 Month Financial Success Planner is laid out with two pages per month. On one page you
will find a calendar where you can fill in the days, as well as a small list of promises I’ve laid out to
help guide you on your journey for 30 days. On the next page will be an area where you can make
notes, record thoughts, and reflect back on your accomplishments and areas of improvement for the
coming months.

Each month, take a few minutes to review the promises section and add anything more to the list of
items you’d like to accomplish. There are several helpful items in each list every month, and you do
not need to complete all of them in order to consider that month an achievement. Just accomplishing
a few will help you gain more financial growth and success over the year.

On some months I have added fun ‘Challenges’ for you, such as the Savvy Savings Challenge in March,
where each day of the month encourages you to put aside some cash that will add up to an extra
$500 in your pocket by the end of the month.

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 Why Planning Leads To Success
You are 42% more likely to complete your promises to yourself if you write them down.

There is a reason that I am a firm believer in making yourself promises, instead of setting goals.
Promises speak to your morals and to your personal values.

“It’s a lot easier to skip out on a ‘goal’ of meeting

someone for happy hour at 7pm than it is to break a
promise to someone that you’ll see them at that time.”

Beyond that, writing these promises down or looking at them daily or even weekly leads to increased
motivation. If you’ve ever heard, “Where your focus goes, your energy flows,” it’s completely true, and
you can prove it to yourself this year.

This doesn’t always mean it’s easy. Most of the time, you have to replace bad habits with good habits,
and things become habits in the first place because your brain loves patterns and routines. This
means that for a short period of time you need to disrupt the natural course your brain wants to take
and convince it to keep trying something new until that becomes the habit instead.

Make it easier for yourself with this guide by reviewing the clear benchmarks, reviewing the monthly
list of promises, adding your own, and completing challenges. Celebrate each win, no matter how
big or how small, and you’ll notice how much more fun it becomes to do something that you initially
thought would be ‘work’.

Whether you start this in January, or put the planner into use halfway through the year, the promises
and challenges will work for you and help get you focused on the financial success you’ve been
striving for.

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 Sample Month - Filled In
To demonstrate one of the many ways you can use this planner to make it work for you, I’ve included
a page that I’ve filled out below. This is just a simple reference guide, and you should feel free to use
each page in any way that works best for you.

Sunday Monday Tuesday Wednesday Thursday Friday Saturday

1 2 3 4 5 6

7 8 9 10 11 12 13

Check
Savings Invest
14 15 16 17 18 19 20

Check
Credit
21 22 23 24 25 26 27

Pay Pay
Insurance Loans
28 29 30 31

Check
Savings Invest Pay Rent

January Promises
Check Credit Score
Mark Paychecks and Bill Due Dates
Save $500
____________________________________

The best way to set yourself up for success is to visualize your achievements for the year at the very
beginning. Imagine how you’ll feel when you’ve accomplished what you’ve set out to do.

You can check your credit score for free online using a variety of services. Once you do this, start to
record your paycheck dates and due dates for any bills you need to pay monthly.

Write down a few words of encouragement for yourself that you can look back on as you challenge
yourself throughout the year:

Save Money
______________ Invest
______________ Profit
______________

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 Stay Connected & Accountable
I have put together a Facebook Group you can join in order to help you find an accountability partner
and keep you updated with monthly check-ins.

We all know that it’s easier to try and do something in a group than it is to try and do it alone, which
is why this group will help support you every step of the way. It’s completely optional, but if you do
choose to join, you can invite your friends, ask questions, and check-in with anybody else who is
completing this success planner on their own.

Financial goals are something we should all help each other achieve, because we all deserve the
comfort and stability we want in life.

Join Today
Join the Facebook Group to stay
motivated and encourage others in your
journey to financial success!

bit.ly/FB12Month

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 January
Sunday Monday Tuesday Wednesday Thursday Friday Saturday

January Promises
Check Credit Score
Mark Paychecks and Bill Due Dates " You are the master of your destiny.
You can influence, direct and control
____________________________________
your own environment. You can make
The best way to set yourself up for success is to visualize

"
your achievements for the year at the very beginning. your life what you want it to be.
Imagine how you’ll feel when you’ve accomplished what
you’ve set out to do.

You can check your credit score for free online using a
- Napoleon Hill
variety of services. Once you do this, start to record your
paycheck dates and due dates for any bills you need to
pay monthly.

Write down a few words of encouragement for yourself

that you can look back on as you challenge yourself
throughout the year:

______________ ______________ ______________

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 Let’s Look Back On The Month…
What did you accomplish in the last month that you are proud of?
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

What one area would you like to improve on moving forward?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Have you noticed any changes in yourself or your spending habits?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Write down one thing you are thankful for this month (person, experience, etc.).
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Move any promises you weren’t able to keep into future months and mentally reset yourself with
your new achievements in mind. Visualize how next month is going to go and where you will improve
based on the notes you made above.

Let’s keep it going!

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 February
Sunday Monday Tuesday Wednesday Thursday Friday Saturday

February Promises The TAX

Challenge
Gather All Tax Documents
Find Accountant Or File Online
____________________________________

This month’s challenge is the TAX challenge. Many

" Once you get your refund, you will
be tempted to spend that big chunk
people let filing for taxes loom over them for months,
but it’s so much easier to get it out of the way when of money. Don’t! Take control of
you can.
your funds and become financially

"
If there are no circumstances out of your control fit instead.
that hold you back, spend February gathering your
W2s, 1098s, etc and take some time to schedule an
appointment with an accountant or start the filing
process online. You got this! - Phil Town

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 Let’s Look Back On The Month…
What did you accomplish in the last month that you are proud of?
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

What one area would you like to improve on moving forward?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Have you noticed any changes in yourself or your spending habits?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Write down one thing you are thankful for this month (person, experience, etc.).
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Move any promises you weren’t able to keep into future months and mentally reset yourself with
your new achievements in mind. Visualize how next month is going to go and where you will improve
based on the notes you made above.

Let’s keep it going!

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 March
Sunday Monday Tuesday Wednesday Thursday Friday Saturday

Save $1 Save $2 Save $3

Save $4 Save $5 Save $6 Save $7 Save $8 Save $9 Save $10

Save $11 Save $12 Save $13 Save $14 Save $15 Save $16 Save $17

Save $18 Save $19 Save $20 Save $21 Save $22 Save $23 Save $24

Save $25 Save $26 Save $27 Save $28 Save $29 Save $30 Save $31

Savvy
March Promises Savings
Check Your Subscriptions
Challenge
Save Money Every Day
____________________________________

This month’s challenge is the Savvy Savings challenge.

" The ability to discipline yourself to
delay gratification in the short term
By saving an extra dollar each day, starting with just
$1 on day 1, you’ll end the month with almost $500 in order to enjoy greater rewards in
more in your pocket!
the long term, is the indispensable

"
I’ve marked the savings on the calendar above for prerequisite for success.
you, so just start small and follow along.

I’d also like you to double-check all of the

subscriptions you have. Many people sign up for a
- Brian Tracy
service or subscription and forget about it. Make sure
that everything you pay for monthly is something
valuable you would like to keep and cancel anything
you no longer need. Here we go!

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 Let’s Look Back On The Month…
What did you accomplish in the last month that you are proud of?
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

What one area would you like to improve on moving forward?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Have you noticed any changes in yourself or your spending habits?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Write down one thing you are thankful for this month (person, experience, etc.).
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Move any promises you weren’t able to keep into future months and mentally reset yourself with
your new achievements in mind. Visualize how next month is going to go and where you will improve
based on the notes you made above.

Let’s keep it going!

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 April
Sunday Monday Tuesday Wednesday Thursday Friday Saturday

April Promises
Q2 Savings Check In
Give Something Up For A Month " worry
Don’t worry about failures,
about the chances you
____________________________________

This month we’re going to check in on your savings.

If March went well, you should have at least $500
miss when you don’t even try.
"
more than you had at the beginning of the year.
Congratulations! - Jack Canfield
Keep up the great work.

The challenge for April is to give something up.

Maybe you buy coffee every morning or splurge on
lunch most days. Pick something you can do without
for ONE month and put all of the money you would
normally spend on it aside for your savings account.
Isn’t this fun?

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 Let’s Look Back On The Month…
What did you accomplish in the last month that you are proud of?
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

What one area would you like to improve on moving forward?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Have you noticed any changes in yourself or your spending habits?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Write down one thing you are thankful for this month (person, experience, etc.).
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Move any promises you weren’t able to keep into future months and mentally reset yourself with
your new achievements in mind. Visualize how next month is going to go and where you will improve
based on the notes you made above.

Let’s keep it going!

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 May
Sunday Monday Tuesday Wednesday Thursday Friday Saturday

May Promises
Find Your Retirement Number
Set Up Or Contribute More To Your " Don’t let the fear of losing be
greater than the excitement
401(k) / Roth IRA For One Month
of winning.
"
____________________________________

This month we’ll prepare for retirement needs.

No matter your age, it’s never too early to start. - Robert Kiyosaki
Find your retirement number by using my online
retirement calculator at: http://bit.ly/R1calculator

Your number will help show you the amount of

money you’ll need to retire comfortably later in life.
This is great information to know and have!

If you’re already working and have a 401(k)

that your employer matches, great! If not,
set up a Roth IRA you can start contributing to.

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 Let’s Look Back On The Month…
What did you accomplish in the last month that you are proud of?
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

What one area would you like to improve on moving forward?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Have you noticed any changes in yourself or your spending habits?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Write down one thing you are thankful for this month (person, experience, etc.).
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Move any promises you weren’t able to keep into future months and mentally reset yourself with
your new achievements in mind. Visualize how next month is going to go and where you will improve
based on the notes you made above.

Let’s keep it going!

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 June
Sunday Monday Tuesday Wednesday Thursday Friday Saturday

Halfway!
June Promises Congrats!
Record New Events To Budget For
Celebrate Your Wins
____________________________________

It’s June, which means we’re at the halfway point. This

" There is a powerful driving force
inside every human being that, once
is a huge accomplishment in itself and I bet you’re
surprised at how much money you’ve managed to unleashed, can make any vision,
save one month at a time with just a few tips.

"
dream, or desire a reality.
For June, I want you to go through any new event
invites you may have gotten (weddings, birthdays, etc)
and record them on the calendar so you can budget - Tony Robbins
your spend for them.

Next, celebrate everything you’ve accomplished so

far! Visit the Facebook Group and let everyone know
what you’re most proud of!

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 Let’s Look Back On The Month…
What did you accomplish in the last month that you are proud of?
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

What one area would you like to improve on moving forward?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Have you noticed any changes in yourself or your spending habits?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Write down one thing you are thankful for this month (person, experience, etc.).
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Move any promises you weren’t able to keep into future months and mentally reset yourself with
your new achievements in mind. Visualize how next month is going to go and where you will improve
based on the notes you made above.

Let’s keep it going!

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 July
Sunday Monday Tuesday Wednesday Thursday Friday Saturday

Debt
July Promises Freedom
Q3 Savings Check In Challenge
Schedule Dates To Pay Off Debt
____________________________________

This month we’re going to check in on your savings.

" Keep on going, and the chances
are that you will stumble on
At this point with each monthly challenge complete,
you could easily have over $1,000 extra saved up. something, perhaps when you
Congratulations!
are least expecting it. I never
Keep up the great work. heard of anyone ever stumbling

"
The challenge for July is the Debt Freedom challenge.
on something sitting down.
As we celebrate Independence Day, let’s think about
being independent from our debt and record payoff
dates on the calendar. - Charles F. Kettering
Start with monthly credit card payments and add in
any school loans or mortgage payments too!

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 Let’s Look Back On The Month…
What did you accomplish in the last month that you are proud of?
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

What one area would you like to improve on moving forward?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Have you noticed any changes in yourself or your spending habits?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Write down one thing you are thankful for this month (person, experience, etc.).
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Move any promises you weren’t able to keep into future months and mentally reset yourself with
your new achievements in mind. Visualize how next month is going to go and where you will improve
based on the notes you made above.

Let’s keep it going!

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 August
Sunday Monday Tuesday Wednesday Thursday Friday Saturday

Back-to-
August Promises School Kickoff
Take all of those savings and add Challenge
them to your new account.
Back-To-School Kickoff Challenge
____________________________________ " Happiness does not come from
doing easy work but from the
Let's take some of that savings you’ve pooled
together and put it into a high yield savings account
afterglow of satisfaction that comes
as an emergency fund. A quick internet search will after the achievement of a difficult
show you some options, or you can ask your bank

"
to see if they offer any. task that demanded our best.
Once the account is open, continue to contribute as
much as you can in case of any future emergencies,
medical bills, or unplanned events.
- Theodore Isaac Rubin

For the Back to School Kickoff Challenge, try making

your own coffee, packing your own lunches, and going
out for dinner less often. Take all of that savings and
add it to your new account.

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 Let’s Look Back On The Month…
What did you accomplish in the last month that you are proud of?
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

What one area would you like to improve on moving forward?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Have you noticed any changes in yourself or your spending habits?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Write down one thing you are thankful for this month (person, experience, etc.).
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Move any promises you weren’t able to keep into future months and mentally reset yourself with
your new achievements in mind. Visualize how next month is going to go and where you will improve
based on the notes you made above.

Let’s keep it going!

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 September
Sunday Monday Tuesday Wednesday Thursday Friday Saturday

September Promises
Think About Investing With The Free
Rule #1 Investing Tips Webinar " Trust yourself. Create the kind of
self you will be happy to live with
Start Exploring The Rule #1 Investing
Strategy With The Free Course all your life. Make the most of
____________________________________ yourself by fanning the tiny, inner
This is the perfect time to to start thinking about how sparks of possibility into flames
you want to end the year and to think about new

"
promises you want to make yourself for next year. of achievement.

To help guide you down a path that will enable you

to grow your wealth and make returns on this year's - Golda Meir
savings, I’d recommend you watch my free investing
webinar at http://bit.ly/R1training or enroll for my
free online investing course at http://bit.ly/courseR1.

Use what you learn to help guide you into Q4.

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 Let’s Look Back On The Month…
What did you accomplish in the last month that you are proud of?
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

What one area would you like to improve on moving forward?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Have you noticed any changes in yourself or your spending habits?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Write down one thing you are thankful for this month (person, experience, etc.).
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Move any promises you weren’t able to keep into future months and mentally reset yourself with
your new achievements in mind. Visualize how next month is going to go and where you will improve
based on the notes you made above.

Let’s keep it going!

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 October
Sunday Monday Tuesday Wednesday Thursday Friday Saturday

Trick-
October Promises or-Treat
Q4 Savings Check In Challenge
Treat Yourself - Kind Of
____________________________________

This month we’re going to check in on your savings.

" Isituation
could waste time wishing the
I was facing was easier,
At this point with each monthly challenge complete,
you could easily have over $1,500 extra saved up. or I could step up and face the
Congratulations!

"
challenge.
Keep up the great work.

The Trick-or-Treat challenge is where I ask you to

- JJ Virgin
choose a free or less expensive way to treat yourself
to your favorite activity and try to search for ways all
month to do things at less of a cost.

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 Let’s Look Back On The Month…
What did you accomplish in the last month that you are proud of?
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

What one area would you like to improve on moving forward?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Have you noticed any changes in yourself or your spending habits?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Write down one thing you are thankful for this month (person, experience, etc.).
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Move any promises you weren’t able to keep into future months and mentally reset yourself with
your new achievements in mind. Visualize how next month is going to go and where you will improve
based on the notes you made above.

Let’s keep it going!

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 November
Sunday Monday Tuesday Wednesday Thursday Friday Saturday

Thankfulness
November Promises
Challenge
Give Thanks To Yourself
Post In The Facebook Group
____________________________________

The holidays are upon us and one thing that becomes

" Gratitude makes sense of our past,
brings peace for today, and creates
a huge focus around this time of year is gratitude

"
and reflection of what you have to be thankful for. a vision for tomorrow.
In order to give thanks to yourself, I want you to try
paying yourself first this month.

- Melody Beattie
From each paycheck you get, take some out to put
aside for yourself and your savings BEFORE you
spend the month paying bills and eating take-out.

As part of the Thankfulness challenge, post in our

Facebook Group one thing from this success planner
that you are thankful for. Sharing with others helps
create experiences you can enjoy and be accountable
for together.

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 Let’s Look Back On The Month…
What did you accomplish in the last month that you are proud of?
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

What one area would you like to improve on moving forward?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Have you noticed any changes in yourself or your spending habits?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Write down one thing you are thankful for this month (person, experience, etc.).
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Move any promises you weren’t able to keep into future months and mentally reset yourself with
your new achievements in mind. Visualize how next month is going to go and where you will improve
based on the notes you made above.

Let’s keep it going!

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 December
Sunday Monday Tuesday Wednesday Thursday Friday Saturday

Great Job!
What a
December Promises
Year!
Stick To Your Holiday Budget
Visualize The End Of The Year
____________________________________

You’ve made it to the end of the year! Hopefully by

" The foundation stones for a
balanced success are honesty,
this point you have between $1,500 and $2,000 extra
saved up from all of your hard work. character, integrity, faith, love
and loyalty.
At this point, it’s going to be important to try and
budget your holidays and then stick to that spend
without going over. It can be easy to get swept up
"
in the moment and want to get a ‘few more gifts’ for - Zig Ziglar
loved ones, but this time of year is about reflection
and appreciation - so don’t go broke!

I’d also like you to visualize how easy this is going to

be after everything else you’ve worked on this year
and mentally prepare yourself for success!

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 Let’s Look Back On The Month…
What did you accomplish in the last month that you are proud of?
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

What one area would you like to improve on moving forward?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Have you noticed any changes in yourself or your spending habits?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Write down one thing you are thankful for this month (person, experience, etc.).
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Move any promises you weren’t able to keep into future months and mentally reset yourself with
your new achievements in mind. Visualize how next month is going to go and where you will improve
based on the notes you made above.

Congratulations, Year in Review, and Next Steps

Let’s keep it going!

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 Congratulations, you did a really
awesome job this year!
I hope you had a great time going through each month, taking on new
financial success challenges, and saving up to help you have your most
successful year ever. When you save up money to cover expenses you’ll
have in the future you eliminate a level of stress, prepare yourself for
more achievements, and visualize the ease with which you’ll jump over
what used to be hurdles.

Time To Look Back On The Year…

What had the biggest impact on you this year?
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

Were you able to keep all of the promises you made each month?
Where could you improve?

_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

While it’s fresh in your mind, write down one promise you’d like
to keep for yourself next year.
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________
_________________________________________________________________________________________________________

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 Next Steps…
As you enter into next year, keep up all of the good habits you’ve formed over the last 12 months
and don’t forget…

" Follow effective actions with quiet reflection.

"
From the quiet reflection will come even more effective action.

– Peter Drucker

To continue your path to success, start learning about Rule #1 Investing and how you can grow your
wealth and manage your own investing portfolio by checking out the Rule #1 Investing Intro Course at
bit.ly/courseR1. It’s a great free resource with videos, checklists, and interactive lessons that will have
you well on your way to researching wonderful businesses.

Now... Go Play!

Phil Town
Founder, Rule #1 Investing
Author of 2 New York Times #1 Best Sellers, Rule #1 and Payback Time.

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