Monthly Money Map
Record your monthly income, essential expenses, regular commitments, and available spending money.
Benefit: See your financial situation more clearly and identify areas worth reviewing.
Free Companion Resources
The Smart Senior Money Toolkit
Practical worksheets, checklists, and trackers to help you put money-saving ideas into action.
Reading about saving money is helpful. Taking action is where the real value begins.
That's why I've created the Smart Senior Money Toolkit, a free companion resource for readers of The Smart Senior's Guide to Living on a Fixed Income.
Use these printable resources to organize your finances, review expenses, record savings opportunities, and build better money-management habits.
Get the Free Toolkit Get the Book on Amazon
Why I Created This Toolkit
I'm Bruce Goldwell, a 75-year-old author, Vietnam veteran, and senior living on a fixed income.
I know how important it is to understand where your money goes and recognize opportunities to make it stretch further.
My book shares practical ideas for saving money, reducing expenses, protecting your finances, and enjoying retirement.
This toolkit is designed to help you turn those ideas into everyday actions.
What's Inside the Smart Senior Money Toolkit?
Printable resources to help you get organized, recognize opportunities, and track your progress.
Monthly Bill Review Checklist
Review telephone, internet, insurance, subscriptions, and other recurring expenses.
Benefit: Find charges you may be able to question, reduce, or eliminate.
Smart Senior Savings Scoreboard
Keep track of discounts discovered, expenses reduced, and financial improvements.
Benefit: See how individual money-saving decisions add up over time.
Emergency Expense Planner
Identify potential financial emergencies, important contacts, and possible sources of help.
Benefit: Be better prepared when unexpected expenses arise.
Debt and Financial Pressure Review
Organize financial obligations and identify payments or terms that deserve attention.
Benefit: Understand your commitments and prepare better questions for creditors.
Family Money Boundaries Worksheet
Think through financial requests, affordable giving, and personal boundaries.
Benefit: Make thoughtful decisions while protecting your own financial needs.
30-Day Money Makeover Plan
Follow manageable activities for reviewing expenses, discovering savings, and protecting your finances.
Benefit: Develop habits that can continue beyond the 30-day challenge.
Personal Financial Action Plan
Record the steps you want to take, what you've accomplished, and what comes next.
Benefit: Turn useful information into a practical plan that fits your circumstances.
Download Your Free Smart Senior Money Toolkit
Get your printable companion worksheets, checklists, savings trackers, and planning resources.
Free PDF download. No purchase required.
Download the Free PDF ToolkitFor personal use. You can print the worksheets and use them as often as needed.
The PDF should be saved in the same website folder as this page.
How to Use Your Toolkit
You don't have to complete everything at once. Start with one small activity and build from there.
Step 1: Download
Download the free PDF and print the pages that are most useful to you.
Step 2: Review
Begin with your monthly income, regular expenses, and bills you want to question.
Step 3: Take Action
Choose one manageable activity, record what you discover, and continue at your own pace.
Join the Smart Senior Conversation
Sometimes the most valuable money-saving tip comes from someone who has already discovered a better way to do something.
Have you found a senior discount? Reduced a monthly bill? Discovered an affordable way to enjoy retirement?
I'd love to hear about it.
I've created a special Blogger discussion where seniors can share their experiences, suggestions, and money-saving discoveries.
Share Your Money-Saving Experience
You can also join the discussion on X: Living on a Fixed Income — Share Your Tips
A Friendly Reminder
Please don't share account numbers, passwords, financial statements, or other sensitive personal information in public comments.
Share the lesson or money-saving idea, not your private financial details.
Discover Senior and Veteran Discounts
One of my favorite money-saving habits is asking a simple question:
"Before I pay, may I ask whether you offer a senior or veteran discount?"
You can explore more discount opportunities and related resources through my Senior Vet Discounts project.
Visit Senior Vet DiscountsStart With One Smart Financial Decision
You don't have to change your entire financial life in one day.
One expense reviewed. One discount discovered. One unnecessary charge eliminated. One costly mistake avoided.
Living on a fixed income doesn't mean living a limited life!
Get Your Free Money Toolkit Get the Book on Amazon