What method do YOU use to create your printable personal family calendar?

*What method do YOU use to create your printable personal family calendar?*
1. Do you have a program that creates a printable calendar? (this is best)
2. Do you have a Microsoft Office calendar template? (this would be nice)
3. Do you modify an existing calendar file? (this may work if it's editable)

I created a first-pass PDF calendar process but editing it is miserable:
o Windows Tutorial to annotate & print family calendar at home on 8.5x11 paper (please improve for all to benefit)
https://groups.google.com/d/msg/alt.comp.freeware/RA3bLfsgtFg/h86eO3l8CQAJ

Seems to me there must be a better way to create a printable HOME calendar
that doesn't put our privacy on the Internet, and which uses free
Windows software tools sans ads, and which can be customized for family
personal events (such as birthdays and anniversaries).

As always, the goal is a general purpose solution, which usually means
o No payware
o No advertisements
o No logins of any kind (no need to store ANYTHING on the net)
etc.

*What method do YOU use to create your printable personal family calendar?*