Routine guide
A once-a-month review to pay bills, check statements and tidy up your money admin.
A monthly bills routine keeps money admin small and predictable. Instead of dealing with surprise debits and late fees, you intentionally review what is coming in and going out.
Run this routine once a month, ideally on the same date, for example the first Saturday morning or the day after payday.
Gather statements and logins
Open your banking apps, card accounts and email statements so everything is in one place.
Check upcoming due dates
Scan the next month for direct debits, standing orders and card payments so you know what is leaving when.
Pay manual bills
Pay any invoices or bills that are not on automatic payment and save confirmations.
Review subscriptions
Look for small recurring charges and cancel anything you no longer use or value.
Update budget or tracking sheet
Record payments, adjust categories and make sure your overview matches reality.
Note income or expense changes
Capture any changes to income, rent, fees or other big numbers so next month does not surprise you.
Does this still help if everything is on direct debit?
Yes. You still benefit from checking what is leaving your account, catching price rises and cancelling unused services.
What if I am already behind on bills?
Use the first session to list what is overdue, contact providers if needed and make partial payments. The routine then keeps you out of that position going forward.
Save this template as a reusable routine, tweak the steps and run it in Run Mode whenever you need it.
Pay Day Routine
A short money check-in every pay day so you know where your income is going.
Annual Financial Checklist
A once-a-year money review to check savings, pensions, insurance and spending so you can adjust your plan calmly.
Tax Season Preparation
A pre-filing checklist to gather income documents, deductible expenses and statements so tax season feels calmer.