Monthly review checklist (15 minutes, once a month)
A short, repeatable monthly routine to turn tracking into better decisions: compare months, find drivers, set one change.
Why monthly reviews work
Daily tracking gives you data. Monthly reviews give you decisions.
The goal isn’t to be perfect—it’s to improve one small thing each month.
The 15‑minute checklist
- Total spending: this month vs last month
- Top 3 categories by amount
- Any unusual spikes (travel, events, festivals)
- One change to try next month
Pick ONE change (keep it realistic)
A change that’s too strict usually fails. Pick something you can actually do.
- Cap food delivery to 2× per week
- Set a weekly transport limit
- Pause one subscription for 30 days
Want to try these tips in the app?
ExpenseTracker helps you log expenses quickly, review month-by-month totals, and keep EMIs visible automatically.