✓ Estate Organization Checklist

Debts & Ongoing Obligations

Know what you owe, and what keeps getting paid

Use this printable roadmap to identify what applies, note where records are kept, and flag items needing follow-up. Avoid writing passwords, PINs, full account numbers, or other sensitive access information here.

Important: For educational and organizational purposes only. This checklist is not legal, tax, financial, or debt management advice.

1. Mortgage and Home-Related Debt

For each obligation, identify

2. Vehicle and Equipment Loans

For each, identify

3. Credit Cards

For each card, identify

Issuer
General purpose of the card
Whether another person is a joint owner or authorized user
Whether bills are delivered electronically or by mail
Whether payment is automatic
Where account records are stored

4. Personal Loans and Other Debt

For each obligation, identify

5. Utilities

For each service, identify

More than one property?

6. Property-Related Ongoing Expenses

For each obligation, identify

7. Insurance Premiums

For each, determine

Is the premium paid automatically?
From which general payment source?
Is it monthly, quarterly, semiannual, or annual?
When is the next payment due?

8. Health and Care Expenses

9. Memberships and Subscriptions

Consider

For each, identify

Service
Approximate billing frequency
Payment method
Whether the service should continue if you cannot manage it yourself

10. Digital and Technology Services

11. Storage Units, Safe-Deposit Boxes and Rented Space

For each, identify

12. Charitable and Religious Giving

For each, identify

Organization
Frequency
Payment method
Whether the contribution is automatic

13. Family and Personal Financial Commitments

14. Pet-Related Obligations

15. Taxes and Government Payments

Keep information showing

Automatic Payments Checklist

Bank accounts

Credit cards

Other payment services

Digital wallets
Online payment services
App-store subscriptions
Other electronic payment platforms

Don’t Forget Paperless Billing

Ask yourself

Which bills arrive only by email?
Which statements exist only online?
Which companies no longer send me paper statements?
Which payments happen automatically without sending me a bill?
Would someone else know these obligations exist?

Debts & Obligations Organization Check

The “What Keeps Getting Charged?” Test

Review several months of bank and credit-card activity for monthly, quarterly, and annual charges.
Identify automatic withdrawals, recurring transfers, subscriptions, dues, premiums, and unfamiliar payments.
Ask: If I stopped managing my finances tomorrow, what would keep getting charged?

Notes and follow-up

Item or next stepPerson or date

Debts & Ongoing Obligations

1. Mortgage and Home-Related Debt

For each obligation, identify

2. Vehicle and Equipment Loans

For each, identify

3. Credit Cards

For each card, identify

4. Personal Loans and Other Debt

For each obligation, identify

5. Utilities

For each service, identify

More than one property?

6. Property-Related Ongoing Expenses

For each obligation, identify

7. Insurance Premiums

For each, determine

8. Health and Care Expenses

9. Memberships and Subscriptions

Consider

For each, identify

10. Digital and Technology Services

11. Storage Units, Safe-Deposit Boxes and Rented Space

For each, identify

12. Charitable and Religious Giving

For each, identify

13. Family and Personal Financial Commitments

14. Pet-Related Obligations

15. Taxes and Government Payments

Keep information showing

Automatic Payments Checklist

Bank accounts

Credit cards

Other payment services

Don’t Forget Paperless Billing

Ask yourself

Debts & Obligations Organization Check

The “What Keeps Getting Charged?” Test

Notes and follow-up

Other checklists