A monthly budget review keeps you on track. Here's a simple template you can use.
The 15-Minute Monthly Review
Week 1 of each month, set aside 15 minutes to:
1. Review Last Month
- Total income received
- Total spent
- Net savings (or overspending)
2. Analyze Categories
- Which categories were under budget?
- Which were over?
- Any surprises?
3. Plan This Month
- Any unusual expenses coming up?
- Adjust category amounts if needed
- Set one focus area for improvement
The Questions to Ask
- Did I make progress toward my goals?
- What worked well?
- What would I do differently?
- Am I being too restrictive anywhere?
Keep It Simple
Don't overcomplicate this. The goal is awareness, not perfection.
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