Monthly Ritual
Your Money Date
60–75 minutes with yourself and your finances. Put your phone on silent, make a drink, and show up for the most important appointment of the month.
Before you begin
1
Income Review
10 min
| Income Source | This Month (£) | Last Month (£) |
|---|---|---|
| Salary / main income | ||
| Side income / freelance | ||
| Other | ||
| Total | £0 | — |
Any surprises in your income this month?
2
Expenses Audit
15 min
| Category | Budgeted (£) | Actual (£) | Last Month (£) | Difference |
|---|---|---|---|---|
| Rent / Mortgage | — | |||
| Food & groceries | — | |||
| Transport | — | |||
| Eating out / social | — | |||
| Subscriptions | — | |||
| Savings transferred | — | |||
| Other | — |
What was your biggest spend category this month?
One expense to cut or reduce next month
Any subscriptions to cancel?
3
Debt Check-In
10 min
Did you make all minimum payments this month?
Your one debt action for next month
4
Savings & Goals Update
10 min
| Savings Goal | Target (£) | Last Month Balance (£) | Current Balance (£) | On Track? |
|---|---|---|---|---|
→ Total saved this month (£)
→ Goal closest to hitting
5
Income Growth & Side Hustle
10 min
| Metric | This Month | Last Month |
|---|---|---|
| Earnings (£) | ||
| Business expenses (£) | ||
| Clients I reached out to | ||
| Clients who reached out to me | ||
| Clients booked / converted | ||
| Net income (earnings − expenses) | £— | — |
What drove these numbers this month?
6
Month Ahead Planning
10 min
Any known big expenses next month to plan for?
Any bills to renegotiate or switch?
→ One area that will feel financially better next month
→ My money goal for next month
Closing reflection
Take 5 minutes. Answer honestly.
What is one thing you handled well financially this month?
Not what you should have done — what you actually did. Own the win.
Past Entry
January 2026
Overview
Your Year at a Glance
Every Money Date, at a glance — income, expenses, savings, and debt.