Financial review workbook: money year in review, net worth and budget

Financial review pages that help you look back over your money year and plan what comes next with a settled, clear mind. The 22 undated, currency-free pages cover monthly income and spending, category totals, your largest costs, how your savings grew and your debts shrank, assets against liabilities, every subscription you pay for, wins and lessons, goals for the year ahead, a draft budget and a calendar for all twelve months. US Letter and A4 PDF files arrive as an instant download, and nothing is shipped.

It is honest without being harsh: a quiet sit-down with your numbers that ends in a fresh start.

How a yearly financial review gives you clarity

Write down twelve monthly totals on a single page and your true average month appears, along with the strongest month and the hardest. The category, largest costs and subscription pages reveal where money slipped away, and a column for the yearly cost makes little recurring charges hard to overlook.

Net worth on the first and last day of the year, together with your savings and debt tables, turns months of effort into figures worth celebrating. Then the workbook looks ahead, with six goal cards, a plan for sinking funds, a budget draft over two pages built on last year's actual numbers and a calendar for renewals, bills, birthdays and events.

Who this money year in review is for

• Anyone who wants a frank, judgment-free look at where this year's money went
• Couples and families planning a year-end money date together
• People building savings or clearing debt who want a whole year of progress in one view
• Anyone setting new money goals and sketching a budget for the year ahead
• Readers outside the US who need a workbook without a printed currency

Design and printing

• Elegant, minimal style with white pages and soft blush pink accents that use little ink
• Generous margins, so nothing is trimmed on a home printer
• Portrait pages in US Letter (8.5 x 11 in) or A4 (210 x 297 mm)
• Undated, with Year 20__ fields to fill in at the close of any year
• No currency printed, so dollars, euros, pounds or any other currency all work
• Fits a binder or clipboard, or have it spiral bound at a print shop

Inside the financial review workbook: 22 pages

1. 1Cover page with an index of the sections
2. 2Before you begin, with a guide in 6 steps, a checklist of the records and statements to collect, when and where you will sit down for the review, a calm scale from 1 to 10 and what you hope to gain
3. 3Money year at a glance, 12 boxes for your key figures (what came in, what went out, what you saved, debt cleared, savings rate, how net worth moved, no-spend days, on-time bills, the largest cost, the proudest win, emergency fund and money you gave), three words for the year, standout moments, a highlight, a challenge and a feelings scale from 1 to 10
4. 4Income and spending by month, one table row per month plus a total row, with columns for what you earned, spent and saved, what remained and a note, then your average, strongest and hardest month
5. 5Spending by category, 18 categories from housing through debt payments and other, comparing planned with actual and the difference, how each felt and whether to keep, cut or increase it next year, plus the category that caught you off guard and the one you feel good about
6. 6Biggest expenses, listing the 12 largest costs of the year with the month, amount, whether it was planned and a worth it score from 1 to 5, plus surprise costs, how you paid for them, your best purchase and one you would skip
7. 7Income review, 8 rows for your sources of income with type, this year, last year and the change, any raises or new income, what helped your earnings rise, income you would like to grow and how you will get there
8. 8Savings progress for 7 accounts or goals, with the balance in January and in December, the change and the target, an emergency fund section showing how many months of costs it would cover, a bar to color from 10% to 100%, what made saving easier and what made it harder
9. 9Debt progress for 7 debts with rate, opening and closing balance, amount repaid and target date, debts you cleared in full, the interest and fees you paid, what helped, any new borrowing and your method for next year (snowball, avalanche or your own order)
10. 10Net worth snapshot, with 7 asset rows and 7 liability rows filled in for January and December, your opening, closing and change in net worth, what made the biggest difference and where you want it to be next year
11. 11Subscriptions audit in 15 rows showing what each costs, how often it bills, its yearly total, whether you actually used it and your keep or cancel decision, then the services you dropped or downgraded, the money freed each month and each year, and upcoming renewal dates
12. 12Money wins, 20 numbered lines for wins large and small, 12 easily missed wins to tick, the habit with money that makes you proudest and how you will mark the moment
13. 13Money lessons, 8 numbered lines for what the year taught you, mistakes that are teaching you something, what you would do another way, habits that served you and habits that cost you, and a note of advice to yourself one year ago
14. 14Money mindset reflection, 12 feelings to tick and 6 guided prompts about the beliefs that supported or limited you, the numbers you avoided, money conversations and your idea of enough
15. 15Spending and values check, choosing from 12 values, spending that felt good and spending you regret, a values table in 7 rows, the things that trigger your spending and what you will do instead
16. 16Next year money goals, 12 goal ideas to tick and 6 goal cards, each asking for the goal, the amount, a deadline, the reason it matters and a first step, plus the one goal you care about most
17. 17Savings plan with a 9 row sinking funds table (target, amount per month, start date, finish date), 8 irregular or once-a-year costs with the month each falls due, an automate it section and your monthly check-in day
18. 18Budget draft part 1: 4 sources of expected income and 10 fixed costs, each with columns for last year, a monthly plan and a yearly plan
19. 19Budget draft part 2: a further 10 categories for flexible spending and 5 lines for savings and goals, using the same three columns, then a monthly summary down to left to plan, and notes
20. 20Money calendar January to June, where every month gets room for renewals and bills, birthdays and events, a target for saving and a focus
21. 21Money calendar July to December in the same layout
22. 22Money letter to myself, written now and opened in a year, with three intentions about money and the date to read it and reflect

Files in your download

• Money Year in Review Workbook, US Letter PDF (22 pages)
• Money Year in Review Workbook, A4 PDF (22 pages)
• Read Me First, a brief guide to printing (PDF)
• Tip: print the full workbook once each year, and make extra copies of the budget pages and money calendar whenever you need them

How to download and print

• Check out with PayPal, a debit or credit card, Apple Pay or Google Pay. Your download page opens as soon as the payment goes through.
• We email the same private download links to you, so you can download your files again later.
• Open the PDF in a free reader such as Adobe Acrobat Reader and print at 100% or Actual size.
• Print only the pages you need, as often as you like, for your own personal use.

Good to know

• This file is made for paper and has no hyperlinks, so it is not a clickable digital planner. You can still import it into a note taking app and write on the pages.
• You receive digital files only. Nothing physical is posted.
• Printed colors may look slightly different from your screen.
• Personal use only. Please do not pass on, resell or distribute the files.
• Digital files cannot be returned. If something will not open or print properly, email us and we will help quickly.
• This workbook is a personal tool for organizing and reflecting. It is not financial, investment, tax or legal advice. For choices about savings, debt or investing, please speak with a qualified financial professional.

How this was made

Designed and written by PetiteDiary. AI tools helped draft parts of the text, and some background scenes in the preview images were created with AI. Every page was designed, reviewed and checked before release.

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