How to Review Your Spending After a Month

Short answer: List every charge, total it, and ask whether it was worth it. Adjust your cap, or stop, based on the answer.

Gather the data

Open your bank or card statement and your platform account history. List every charge from the last month.

Compare the total with your budget. If it is higher, look at which purchases caused the overshoot.

Did each purchase feel worthwhile? Did you plan it? Would you buy it again? Honest answers show you what to change.

Keep the same cap, lower it, or pause for a month. There is no wrong answer, only the one that fits your finances and wellbeing.

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