Monthly Money Check-In

The habits in Chapter 2 only work if they're actually running. This short, recurring check takes under five minutes: confirm the automated transfers went out, glance at your spending account for anything unusual, and log where your net worth stands. Do it the same day every month and it becomes routine rather than a chore.

This month's check-in

Tick off each item as you confirm it, then log your net worth and save. The next check-in starts fresh once this one is saved.

Check-in date

Automated transfers went out as planned

Pay-yourself-first savings, pension and ISA contributions, and any debt overpayments from Chapter 2 — all left your account on schedule.

Reviewed the spending account for anything unusual

A forgotten subscription, a one-off cost worth noting, or spending that's crept up since last month.

Logged this month's net worth figure

Pull it from your Net Worth Ledger — even a rough update keeps the trend meaningful.

Net worth this month

Notes (optional)

Check-in history

Every saved check-in appears here, most recent first — a quick record of consistency, not just numbers.