FREE WORKSHEET
Spending review
Find the patterns in a real month of spending before setting new limits.
People whose bank balance feels disconnected from their everyday purchases.
Use your own notebook or print this page. These are writing prompts, not an online form: nothing you write on your copy is sent to Rudi.
Gather the numbers
Month reviewed; accounts and cards included; cash spending you can identify. Mark estimates so you can revisit them.
Sort without double counting
Regular commitments; flexible spending; occasional costs. Do not count transfers or credit-card repayments again if you already counted the purchases.
Make a decision
Something worth keeping; a cost to question; an upcoming renewal; one realistic adjustment and its review date.
What to do with your notes
Circle one question you can answer next. If the exercise reveals a problem you cannot resolve, use the support linked in the spending & budgeting pathway.