Week one
List rent, school costs, repayments and income dates. A monthly surplus can still hide a shortfall on a payment day.
← Money knowledgeKnow where it goes.
YOUR MONTHLY MONEY CHECKUP
Know where it goes.
Decide what comes next.
Bring your monthly figures together. See what remains after living costs, debt payments and planned saving.
Start hereA PRACTICAL MONEY ROUTINE
Bills have dates, too.
Mid-month
Check spending so far. Adjust flexible costs where possible and avoid treating expected money as already received.
At month-end
Notice annual costs that need preparation. Build the next plan from the figures you actually recorded.
YOUR NEXT STEP