I'm doing a monthly review of my spending. Generate a checklist of questions to ask myself, organized by category:
- Fixed costs (rent, subscriptions, insurance): anything to cancel, renegotiate, or shop?
- Variable (groceries, dining, shopping): patterns, leaks, or goals for next month?
- Savings and investments: did I hit my targets? Why or why not?
- One-off or annual: anything coming up I should save for?
- Overall: one thing to do differently next month.
Keep each section to 3–5 questions. Tone: practical and non-judgmental.