The Monthly Money Date
A 30-Minute Habit That Builds Financial Confidence!
Most people don’t have a money problem, they have a money avoidance problem.
If you want to feel more confident, calm, and in control of your finances, dedicate one day a month to a “Money Date.”
I call it a Money Date because mindset matters. This isn’t a panic session. It’s intentional time— ideally over coffee because it’s more fun to check in with your money the same way you’d check in on your health or important relationships.
In my own life, my husband and I do this together weekly on a weekend morning because we are a financial team. But this works just as well solo.
On your Money Date, review three key areas:
01 / Bank Accounts: Know Your Numbers
Ask:
How much money came in?
How much went out?
What’s left?
THIS IS ABOUT AWARENESS, NOT JUDGEMENT.
Did all expected income arrive?
Were there any surprise charges?
Was there a moment during the month you felt short on cash?
Did you end the month with a comfortable cushion?
Confidence comes from knowing — not guessing.
02 / Credit Cards: Audit without Guilt
This is where most people spiral.
Instead of shame, ask one simple question:
Did my spending align with my goals?
IF IT DIDN’T, WHY?
Was it convenience?
Stress?
Celebration?
Habit?
When you remove guilt and replace it with curiosity, you can actually change behavior.
03 / Savings: Build Security, Even Slowly
Even if it’s $25 a month start…
Savings equals security.
Savings equals peace of mind.
Savings means you’re proactively preparing for the unexpected — because life will throw it at you.
Savings means you’re making sure your future self is taken care of.
When I RECOMMEND working toward a minimum of 6 months of expenses in savings.
But the key is consistency, not perfection. I double recommend setting up a weekly auto transfer from your checking account to your savings account so you can set it and forget it and ensure savings happens no matter what.
WHY THIS MATTERS:
If you avoid looking at your money and just hope there’s enough to pay the bills, that anxiety doesn’t go away—it compounds.
A monthly (or even weekly) Money Date builds awareness. And awareness is the first step toward change.
