TMAP Seasonality Checklist

Seasonality refers to the pattern of fluctuations in your financial activity (such as spending and saving) that occurs within a given year. These fluctuations can be due to many factors, such as changes in your behaviour, the weather patterns or seasons, any holidays, special events or unforeseen expenses.

Improving personal finances is an ongoing process that requires careful planning and action throughout the year. Download the Checklist and Guide to better understand ways to improve finances during each season of the year. You might like to use your device to add notes or print it at home to write on.