Free tool · Money

Monthly money check-in

A calm look back at the month just gone. For each part of your spending, say whether it felt about right or more than you wanted, answer a few short questions, and print a one-page summary to keep or talk over. There are no amounts to type in. It is free, and nothing you type leaves your device.

Your check-in

How did each part of your spending feel?

Skip anything that does not apply. There are no amounts to type: this is about how it felt, not the sums.

Home and bills
Food shopping
Getting around
Subscriptions and memberships
Eating out and treats
Clothes and shoes
Gifts and occasions
Children and school
Health and personal care
Money put aside
Business or side project costs
Something else

A few questions

Your summary

Monthly money check-in, made with the free tool at heavenecohub.com/tools/monthly-money-check-in/

Choose how a category felt or answer a question, and your summary will appear here.

Your answers are kept only in this browser on this device. Nothing you type is sent anywhere.

Why check in by feeling

Most of us already have the numbers, in a bank app or on a statement. What is harder to see is which spending we are glad of and which we would rather have done differently. Asking how each part of the month felt is a quick way in, and it points you to the one place worth looking at closely, instead of every line at once.

Little and often matters more than getting it perfect. A regular check-in, at the same time each month, is easier to keep than a big budget you write once and never open again.

How to use it

  1. Pick a quiet moment at the same time each month, with your bank app or statement to hand if it helps.
  2. Go through the categories and choose how each one felt. Skip any that do not apply.
  3. Answer the questions you have something to say about. One line is plenty.
  4. Print the summary or save it as a PDF, and choose one small change to try next month.

What this is not

This worksheet is a reflection, not financial advice. It does not recommend any product, investment or amount, and it cannot tell you what is right for your situation. If money is worrying you, a free, impartial money or debt advice service where you live can help; in the UK, MoneyHelper is one.

Questions

What is a monthly money check-in?
A short, regular look back at the month just gone: where your money went, how that felt, and one small thing to try next month. Done little and often, it helps you notice patterns before they become problems, without needing to keep a detailed budget.
Why does this worksheet not ask for amounts?
Because the numbers are already in your bank app, and a feeling is often the quicker signal. A category that felt like more than you wanted is worth a closer look, whatever the figure. If you want to work through the sums, a free budget planner is the right tool for that; in the UK, MoneyHelper has one.
How often should I do it?
Once a month suits most people, at a regular time such as the weekend after payday or the first weekend of the month. Keeping the printed summaries together lets you see what has changed from one month to the next.
Is this financial advice?
No. It is a reflection worksheet. It does not recommend any product, investment or amount, and it cannot tell you what is right for your situation. For free, impartial guidance, look for a free money or debt advice service where you live; in the UK, MoneyHelper is a good place to start.
What if money is worrying me?
You do not have to work it out alone. Talk to someone you trust, and contact your bank or the company you owe as early as you can, because many have support for people who are struggling. A free, impartial money or debt advice service where you live can help you work out what to do next; in the UK, MoneyHelper offers that guidance and can help you find free debt advice.

Free help

Look for a free, impartial money or debt advice service where you live: many countries have one, often run by the government or a charity. In the UK, it is MoneyHelper:

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