| | Introduction | p. l |
| | January: Take Control | p. 9 |
| | Uncover the Origins of Your Relationship with Money | p. 11 |
| | Clean Out What You Carry | p. 16 |
| | Streamline Your Home Office Space | p. 21 |
| | Set Up a Financial File System | p. 27 |
| | February: Assess Your Finances | p. 35 |
| | Pay Your Bills on Time | p. 37 |
| | Determine Your Income and Fixed Expenses | p. 42 |
| | Determine Your Variable Expenses | p. 45 |
| | Take a Fresh Look at Your Expenses | p. 47 |
| | March: Get Ready for Taxes | p. 52 |
| | Decide Which Documents to Save | p. 53 |
| | Stop the Paper Stacks | p. 56 |
| | Prepare Your Tax Returns | p. 59 |
| | Signed, Sealed, Delivered | p. 64 |
| | April: Spend Less, Save More | p. 68 |
| | Reduce Your Expenses | p. 70 |
| | Harness Your Marketability | p. 79 |
| | Working with Your Budget | p. 84 |
| | Banking Made Brighter | p. 86 |
| | May: Borrow Smart | p. 92 |
| | Lower Your Cost of Credit | p. 94 |
| | Curb Credit Card Spending | p. 98 |
| | Reduce and Rejoice | p. 102 |
| | Protect Your Identity | p. 104 |
| | June: Build a Nest Egg | p. 108 |
| | Establish a Retirement Plan | p. 110 |
| | Calculate How Much You Need to Save | p. 114 |
| | Assess How Much Risk You Can Afford | p. 116 |
| | Max Out Where It Pays | p. 120 |
| | July: Make Long-Range Financial Plans | p. 124 |
| | Decide Whether You Need a Financial Advisor | p. 126 |
| | Maintain Your Portfolio | p. 130 |
| | Draw Up a Will and Trust | p. 134 |
| | Review Your Beneficiary Forms | p. 140 |
| | August: Refinance and Downsize Options | p. 143 |
| | Look for Downsizing Opportunities | p. 145 |
| | Clear the Clutter, Room by Room | p. 154 |
| | Hold a Yard Sale | p. 160 |
| | Determine If You Should Refinance | p. 165 |
| | September: Children and Money | p. 173 |
| | Frugality for Parents | p. 175 |
| | Educate Your Children about Money | p. 180 |
| | Save for College | p. 183 |
| | How Your Child Can Contribute | p. 188 |
| | October: Protect Your Assets | p. 193 |
| | Medical Insurance | p. 195 |
| | Homeowner's and Renter's Policies | p. 202 |
| | Disability and Long-Term Care Coverage | p. 205 |
| | Planes, Trains, and Automobiles | p. 208 |
| | November: The Season for Sane Spending | p. 212 |
| | Holiday Budget | p. 214 |
| | Gift-Giving | p. 217 |
| | Family Gatherings | p. 225 |
| | Holiday Travel | p. 229 |
| | December: Year-End Money Moves | p. 234 |
| | Tasks for Every December | p. 236 |
| | Tax-Loss Harvesting | p. 238 |
| | Charitable Giving | p. 240 |
| | Move Smoothly into the Future | p. 243 |
| | Acknowledgments | p. 249 |
| | Resources | p. 251 |
| | Index | p. 259 |