Reserves Worksheet — The Getting Ahead Guidebook

The Getting Ahead Guidebook Setup Worksheet — Form 4 of 5

Reserve Categories annual · semi-annual · quarterly bills

What goes here: Bills that don't arrive every month — things you save toward in advance so the bill never blindsides you. Property tax, auto registration, insurance premiums, AAA dues, Christmas / holiday gifts, vacation, vet visits, HOA fees, professional licenses. The app divides each annual total by the cycle length so you know exactly how much to set aside each month.

#	Reserve Name	Annual Total	Cycle (mo)	Monthly Save	Due Month	Starting Balance	Notes
—	e.g. “Property Tax”, “Christmas”	$ for the full cycle	12 / 6 / 4 / 3	annual ÷ cycle	YYYY-MM	$ already saved (optional)	vendor, account number, paid-by-when
Annual (12-month cycle) — saved over 12 months, paid once a year
1
2
3
4
5
6
7
8
Semi-Annual (6-month cycle) — saved over 6 months, paid twice a year
9
10
11
12
Quarterly (3- or 4-month cycle) — e.g. estimated taxes, quarterly dues
13
14
15
16