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Financial Preparedness Tips

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Americans at all income levels have experienced the challenges of rebuilding their lives after a disaster or other emergency. In these stressful times, having access to personal financial, insurance, medical and other records is crucial for starting the recovery process quickly and efficiently.

  • People generate income and incur expenses on a daily basis. And people would typically like to know how much of both they are making. This is the reason why there are income and expense forms that can help them with that.
  • Search the world's most comprehensive index of full-text books.
  • Internet Archive is a non-profit digital library offering free universal access to books, movies & music, as well as 624 billion archived web pages.

Organizational life to allow it to thrive and remain viable in this age of change and sociotechnological turmoil. DEFINITION The “Management by Objective” (MBO) approach, in the sense that it requires all managers to set specific objectives to be achieved in the future and encourages them to. Search the world's information, including webpages, images, videos and more. Google has many special features to help you find exactly what you're looking for.

  1. Gather financial and critical personal, household and medical information.
  2. Consider saving money in an emergency savings account that could be used in any crisis. Keep a small amount of cash at home in a safe place. It is important to have small bills on hand because ATMs and credit cards may not work during a disaster when you need to purchase necessary supplies, fuel or food.
  3. Obtain property (homeowners or renters), health and life insurance if you do not have them. Not all insurance policies are the same. Review your policy to make sure the amount and types of coverage you have meets the requirements for all possible hazards. Homeowners insurance does not typically cover flooding, so you may need to purchase flood insurance from the National Flood Insurance Program.
  4. For more helpful financial preparedness tips, download the Emergency Financial First Aid Kit (EFFAK) to get started planning today.

Regarding COVID-19:

  • Be cautious about sharing personal financial information, such as your bank account number, social security number, or credit card number.
  • Do not click on links in texts or emails from people you don’t know. Scammers can create fake links to websites. Visit government websites, like, directly in your internet browser.
    • Know that the government will not text or call you about “mandatory online COVID-19 tests,” outbreaks “in your area,” mandatory vaccinations, or to sell you COVID-19 cures.
    • Remember that the government will not call or text you about owing money or receiving economic impact payments.
    • Be aware that scammers may try to contact you via social media. The government will not contact you through social media about owing money or receiving payments.
  • If you have been exposed to COVID-19, a contact tracer from your local health department might call you to let you know and ask you to self-quarantine at home away from others. Discussions with health department staff are confidential. They will not ask for financial information.
  • Keep in mind that scammers may try to take advantages of financial fears by calling with work-from-opportunities, debt consolidation offers, and student loan repayment plans.
  • Contact the Federal Trade Commission (FTC) at if you receive messages from anyone claiming to be a government agent or if you believe you’ve been a victim of a COVID-19 related scam.

Emergency Financial First Aid Kit

The Emergency Financial First Aid Kit (EFFAK), a joint publication from Operation Hope and FEMA, can help you prepare financially and provides tips to reduce the financial impact of disasters on you and your family.

For more information on the EFFAK visit the EFFAK Community Page.

For Organizations

Encourage people throughout your organization or workplace to prepare financially. Here are some ideas to promote financial preparedness in your organization:

  • Hold a brown bag meeting.
  • Make a presentation at an existing staff meeting using Safeguard Critical Documents and Valuables to support your discussion.
  • Include financial preparedness information in the staff monthly newsletter.

At Home

Store important documents either in a safety deposit box, an external drive or on the cloud to make it easy to access during a disaster.

Take time now to safeguard these critical documents. Be cautious about sharing personal financial information, such as your bank account number, social security number, or credit card number.

Household Identification

  • Photo ID (to prove identity of household members)
  • Birth certificate (to maintain or re-establish contact with family members)
  • Social Security card (to apply for FEMA disaster assistance)
  • Military service
  • Pet ID tags

Financial and Legal Documentation

  • Housing payments (to identify financial records and obligations)
    • Some individuals and households may experience financial difficulty because of the pandemic. If you do not think you can pay your loan payments on time, immediately contact your bank and discuss your options before skipping any payments or taking any other actions contrary to the terms of your loans.
  • Insurance policies (to re-establish financial accounts)
    • Review your travel insurance and health insurance to see how your policies handle pandemics and infectious disease outbreaks like coronavirus disease 2019 (COVID-19).
  • Sources of income (to maintain payments and credit)
  • Tax statements (to provide contact information for financial and legal providers and to apply for FEMA disaster assistance)

Medical Information

  • Physician information (in case medical care is needed)
  • Copies of health insurance information (to make sure existing care continues uninterrupted)
  • Immunization records
  • Medications

Insurance Information

Having insurance for your home or business property is the best way to make sure you will have the necessary financial resources to help you repair, rebuild or replace whatever is damaged. Document and insure your property now.

Household Contact Information

  • Banking institutions
  • Insurance agents
  • Health professionals
  • Service providers
  • Place of worship

Get Your Benefits Electronically

A disaster can disrupt mail service for days or weeks. If you depend on Social Security or other regular benefits, switching to electronic payments is a simple, significant way to protect yourself financially before disaster strikes. It also eliminates the risk of stolen checks. The U.S. Department of the Treasury recommends two safer ways to get federal benefits:

  • Direct deposit to a checking or savings account. If you get federal benefits you can sign up by calling 800-333-1795 or sign up online.
  • The Direct Express® prepaid debit card is designed as a safe and easy alternative to paper.

Apply for government-funded unemployment, healthcare, and food and nutrition benefits to supplement your income or savings.

  • Visit to determine if you are eligible for an Economic Impact Payment (EIP).
  • Visit to learn about additional financial resources that you may eligible for.

Consider using online and mobile banking services, if you are able. These services enable you to practice social distancing and conduct banking transactions at the same time. For more information visit

Associated Content

  • Consumer Financial Protection Bureau Worksheet (PDF)
  • Financial Emergency Info Sheet (PDF)
  • Be Prepared for a Financial Emergency (PDF)
  • Emergency Financial First Aid Kit (EFFAK) (PDF)
  • Emergency Financial First Aid Kit (EFFAK) checklists and forms (PDF)
  • Emergency Financial First Aid Kit (EFFAK) Large Print (PDF)
  • Emergency Financial First Aid Kit (EFFAK) in Various Languages(PDF)
  • Prepare your Finances for a Natural Disaster (Video)
  • Safeguard Critical Documents and Valuables (PDF)

Smartsheet ContributorAndy Marker on Jan 07, 2019

A wide range of companies and organizations — including small businesses, nonprofits, real estate and trucking companies, and restaurants — use balance sheet templates as financial statements to keep tabs on their assets (what they own) and liabilities (what they owe) to determine their owner’s equity (their value). This article is your one stop shop for the most useful balance sheet templates for Microsoft Excel and Word, PDF, and Google Docs.

Basic Balance Sheet Template

Use this simple, easy-to-complete, printable balance sheet template to determine your overall financial outlook. Enter details of your fixed and long-term assets, current and long-term liabilities, and see your resulting or net worth. Save this template as a day-by-day, month-by-month, or year-over-year balance sheet — or enter projected figures — to see your financial position and how close you are to reaching your financial goals.

Download Basic Balance Sheet Template

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Business-Related Balance Sheet Templates

Small Business/Pro Forma Balance Sheet Template

This balance sheet is designed for your existing small businesses, or with projected data for your small business plan. Annual columns provide year-by-year comparisons of current and fixed assets and current/short-term as well as long-term liabilities so that you can easily determine your company’s equity. This small business balance sheet template includes tallies of your net assets (net worth), and your working capital.

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Download Pro Forma Balance Sheet Template

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Non-Profit Balance Sheet Template

This non-profit balance sheet is perfect for existing and startup non-profit organizations. It includes the abilities to enter projected or annual assets, liabilities, and resulting equity for year-over-year comparisons of the organization’s all-around financial health. Customize the template by adding your organization’s logo as well as any relevant terms and conditions. This reusable template is available in Excel to save as individual annual templates for comparison, and also as a Google Sheets template that can easily be saved to your Google Drive account.

Download Non-Profit Balance Sheet Template

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Real Estate Balance Sheet Template

Use this property-specific balance sheet to enter all information particular to a certain property, including property assets, liabilities, and equity so you can easily see how profitable — or close to profitable — your property actually is. This simple template is unique in its inclusion of insurance considerations and other real estate-related information (such as valuables and furnishings), and gives you a holistic picture of your property to appreciate year after year.

Investment Property Balance Sheet Template

Designed with secondary or investment properties in mind, this comprehensive balance sheet template allows you to factor in all details relating to your investment property’s growth in value. You can easily factor in property costs, expenses, rental and taxable income, selling costs, and capital gains. Also factor in assumptions, such as years you plan to stay invested in the property, and actual or projected value increase. You can also edit the template to include whatever details you need to provide for renting, refinancing, home-equity lines, and possible eventual sale of your investment property.

Trucking Company Balance Sheet Template

Use this simple, trucking-specific balance sheet template to easily summarizes your assets, liabilities, and owner’s equity. This template helps you to verify the validity of your entries on a day-to-day basis to assess your trucking company’s all-around, day-by-day, month-by-month, or year-over-year financial strength. List data on a truck-by-truck basis under the “Assets” section. Then, subtract individual liabilities to see the profitability of each individual truck. This provides you with a comprehensive way to keep your books accurate and balanced.

Restaurant Balance Sheet Template

Use this simple, restaurant-specific balance sheet template to get a quick glimpse of your financial picture. Whether your restaurant is a café, bar and grill, fast food, or fine dining — or a franchise — this easy-to-use balance sheet allows you to enter custom information (such as food costs, real estate, furnishings, and kitchen equipment) related to your restaurant’s assets, liabilities, and resulting equity. Save this template as a day-by-day, month-by-month, or year-over-year balance sheet to determine the varying costs and profitability of your establishment.

Calendar-Specific Balance Sheet Templates

Daily Balance Sheet Template

Keep day-to-day tabs on your assets, liabilities, equity, and balance with this easy-to-use, daily balance sheet template. Enter your total current, fixed, and other assets, total current and long-term liabilities, and total owner’s equity, and the template will automatically calculate your up-to-the-minute balance. You can save this daily balance sheet template as individual files — with customized entries — for each day requiring balance insights for any 24-hour period.

Monthly/Quarterly Balance Sheet Template

Track your month-by-month and quarterly financial position by entering each month’s assets and liabilities, resulting in monthly and quarterly perspectives of your owner’s equity. Monthly columns provide you with assets, liabilities and equity tallies, and also reflect three-month figures for each quarter. This is the perfect template for short-term analysis of fiscal health, and can also be used for year-over-year monthly and quarterly comparisons.

Year-to-Date Balance Sheet Template

Get quick, at-a-glance data on how the current fiscal year compares to previous years by using this up-to-the-minute template. Enter the current year’s assets, liabilities, and equity data to gain insight into current equity as compared to the previous year’s — in the adjoining column. You can also add additional columns for each year’s progress, and save this template for individual years for quick year-by-year comparisons.​

Yearly Balance Sheet Template

This balance sheet template gives you comparative year-to-year data so that you can view the big picture of you or your company’s financial health. Set “Current Year” or “Prior Year” as either calendar or fiscal years, depending on your needs. Having this yearly data at your fingertips allows you to compare assets and liabilities from one year to another, and provides you with insights into how you can continually increase your equity — and profitability.

Understanding Balance Sheet Templates

Companies, organizations, and individuals use balance sheets to easily calculate their equity, profits, or net worth by subtracting their liabilities from their assets in order to get an overall picture of their financial health. A balance sheet also serves as a company or organization’s financial position at specified time, such as daily, end-of-month, quarter, or year-over-year. Regardless of the type of balance sheet (simple, business-related, or calendar-specific), they all use the same simple formula/ratio:

Whereas a simple balance sheet template allows you to easily fill in the basic assets and liabilities information for a quick glimpse at your financial outlook, a more robust template, such as a small business balance sheet, is useful for entering current assets details, such as accounts receivable and inventory details.

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Certain detailed balance sheet templates, such as the trucking balance sheet template, allow you to track equity on a truck-by-truck basis. Readymade details are built in to each template — such as the investment property template — which gives you the ability to factor in all details relating to an investment property’s growth in value, including property costs, expenses, rental and taxable income, selling costs, and capital gains. Calendar-specific templates automatically give you daily, monthly, quarterly, or year-over-year balances, for easy side-by-side comparison.

Regardless of your line of business, all balance sheet templates have standard, pre-set formulas that factor in the following details to keep your financial details balanced and accurate:


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  • Current Assets: Short-term assets that can be converted to cash within a short period of time, including checking and savings account balances, accounts receivable (owed to your business), inventory, prepaid expenses, short-term investments, and other liquid assets.

  • Fixed Assets: Long-term assets such as property, cars, equipment, stocks and bonds, and intangible assets.

  • Total Assets: The total amount of your current, fixed, and various other assets.


  • Current Liabilities: Debts or obligations that are usually due within a year, including accounts payable, short-term loans, income taxes payable, salaries and wages, and unearned revenue.

  • Long-term Liabilities: Financial obligations such as loans and debt and deferred income tax.

  • Total Liabilities: A combination of current and long-term liabilities.

Owner’s Equity: The value of your company once your liabilities are subtracted from your assets (also called your net worth).

Additionally, balance sheet templates allow you to enter projected figures, so that (for example) you can see what your quarterly figures must be in order to beat your previous year’s profits. Balance sheet templates, such as the Investment Property Balance Sheet (above) allow you to easily factor in details such as property costs, expenses, rental and taxable income, selling costs, and capital gains. Similarly, the Trucking Company Balance Sheet allows you to keep track of profitability on a truck-by-truck basis, so that all pertinent details can be added to each of our individual balance sheet templates.

Gain Insight into Your Company’s Financial Position with Balance Sheets in Smartsheet

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