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Daily habits keep you consistent, and weekly rituals help you stay organized. But once a month, it’s time to step back and look at the bigger picture. A focused 30-minute monthly routine can help you make sure your money is working for you — and set more of it on autopilot.
Here’s a simple checklist for your monthly money moves that will keep your financial life flowing smoothly and keep you on track for your wealth life.
1. Automate Your Bills and Savings (10 Minutes)
Start by reviewing your automatic payments. Are all your bills set up on autopay? Is money moving automatically into your savings or investment accounts? If not, this is the month to fix it.
- Set up autopay for recurring bills (utilities, credit cards, subscriptions).
- Automate transfers to savings and investments.
- Check for duplicate or unnecessary subscriptions.
👉 Use our income planner calculator to make sure your cash flow supports your automation plan.
2. Review Your Debt and Credit (5 Minutes)
Check your debt balances and make sure payments are posting correctly. Look at your credit report or score to ensure there are no surprises. Progress here can be slow, but tracking monthly helps you stay motivated.
3. Check Your Investment Contributions (5 Minutes)
Did you contribute to your IRA, 401(k), or brokerage account this month? If not, make that transfer now. Consistency matters more than the size of each contribution.
4. Review Your Spending Categories (5 Minutes)
Look at your monthly totals by category: housing, food, transportation, fun. Are you spending in line with your values? Small adjustments now prevent bigger issues later.
5. Set a Goal for Next Month (5 Minutes)
Finish your monthly check-in by setting one clear financial goal. It could be “save an extra $100,” “pay off a credit card,” or “invest in my first ETF.” A focused target gives your next month purpose.
Why Monthly Money Moves Matter
This 30-minute check-in keeps your finances running smoothly while reducing stress. By automating, tracking, and adjusting once a month, you’ll feel more confident and in control — without obsessing over every detail.
Next Step in the Series
Daily, weekly, and monthly habits keep you consistent — but real wealth is built over years. In the next article, we’ll cover the quarterly check-in that helps you track big-picture progress and adjust your strategy with clarity.
Final Thought
You don’t need to spend hours every month on your money. A focused half-hour of monthly money moves will set your finances on autopilot and give you the freedom to spend more time living the life you’re building.