My Monthly Money Routine for Financial Freedom

Aug 28, 2025

One of the most common questions I get is: “How do you actually stick to your budget?” The truth is, managing my money has become simpler and quicker over the years—not because I ignore it, but because I’ve refined my process. My monthly routine keeps both my business and personal finances on track, without turning it into a full-time job.

Why a Monthly Money Date Matters

Whether you’re running a business or managing your household, having a regular “money date” is essential. For me, that date is around the 10th of each month. This timing lets all the numbers from the previous month settle, so I’m working with complete, accurate information.

Your money date doesn’t have to take hours. Mine is short and focused, but powerful. It gives me clarity, keeps me accountable, and helps me adjust when life throws the unexpected—like recently managing my late father’s estate. Having financial buffers meant I could handle those costs without extra stress, and that’s why I can’t recommend them enough.

Step 1: Review Key Business Metrics

If you’re a business owner, start with your performance numbers. I use a simple metrics dashboard to track:

Revenue
Average sales
Website traffic and leads
Social engagement

This quick snapshot tells me how the business is performing and where I may need to adjust. If it’s the end of a quarter, I also prepare my Business Activity Statement (BAS) data. Even if your accounting software does this for you, I suggest reviewing it yourself—understanding your own numbers is empowering.

Step 2: Apply the Money Pie

I run both my business and personal finances through my “money pie” method. From my net revenue, I set aside:

Tax – Always first.
Profit – To build reserves and growth potential.
Salary – My consistent income.
Buffers – For quiet months, holidays, or unexpected costs.
Superannuation/Retirement – Your future self will thank you.

This structure makes sure every dollar has a purpose.

Step 3: Personal Finance Check-In

For my personal accounts, I look at:

Salary and other income (like dividends)
Monthly expenses (high-level, not line-by-line)
Any spikes, like annual insurance or travel bookings, and whether my money pie needs adjusting

I keep my expenses visible by using a credit card for most transactions, paying it off in full each month, and tracking occasional cash spends.

Step 4: Adjust and Decide

If something’s over budget, I tweak the following month. This isn’t about judgment—it’s about alignment. Your money should enable your goals, not restrict them.

The Mindset Shift

Your monthly review is not a “report card” on your worth. It’s a progress check: Are your finances supporting the life you want? If not, it’s a signal to clarify your goals and make changes.

When you consistently review and direct your money—both in business and personally—you step into control, confidence, and choice. That’s real financial empowerment.