Tired of complicated budgeting systems that never stick? On this podcast eisode, I’m sharing my exact monthly budgeting routine; from reviewing last month’s numbers to planning for irregular expenses and closing out the month with reflection.

This is a realistic, flexible approach to budgeting that actually works. Whether you’re just getting started or want to refresh your process, these steps will help you stay consistent without feeling overwhelmed.

What you’ll learn:

• How I start with a financial reflection, not shame
• My method for planning income (even with variable pay!)
• Why I budget for my goals first before any expenses
• How I build a realistic, values-aligned spending plan
• The importance of planning for irregular expenses
• Why I track my budget weekly (not daily!)
• How I close out each month to stay consistent

This budgeting routine is simple, sustainable, and designed to help you make real financial progress. No perfect templates. Just a system that works.

❤ Subscribe to the Clever Girl Finance newsletter for weekly motivation: clevergirlfinance.com/subscribe

❤ Get the best-selling Clever Girl Finance Books: clevergirlfinance.com/books

❤ Get access to 30+ free courses, worksheets, savings challenges, and our favorite banking resources: clevergirlfinance.com/course-packages

❤ Read the Clever Girl Finance Blog: clevergirlfinance.com/blog

❤ Follow us on Instagram: @clevergirlfinance