| Month | Income Taxes | Saving and Investing |
| JANUARY | - 4th quarter 2018 estimates due 1/15/19
- Expect to receive W-2s and 1099s by January 31, 2019
- Review your withholdings for 2019, and, if necessary, file a new W-4 Form with your employer to adjust your withholding
| - Establish a savings and debt reduction goals for the year
- Try to increase your monthly contributions to your 401(k) or 403(b) plans.? The maximum annual contribution for 2019 is $19,000.? Anyone 50 or older can contribute an extra $6,000
- Automatically transfer $500 per month from your checking account into a Roth or Traditional IRA, and $1,250 per month into a 529 Account for each of your children
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