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e.g., "July 2026" or "2026-07"
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All sources combined (salary, side income, investments, etc.) — e.g., "$4,500" or "$3,200 + $800 freelance"
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Rent, mortgage, property tax, HOA fees — e.g., "$1,200"
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Gas, car payment, maintenance, insurance, parking, public transit — e.g., "$400"
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Groceries, dining out, coffee, delivery — e.g., "$650"
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Health, life, disability, renters/homeowners (if not in housing) — e.g., "$350"
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Credit cards, student loans, personal loans, interest — e.g., "$300"
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Credit cards, student loans, personal loans, interest — e.g., "$300"
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Emergency fund, retirement, investment accounts, financial goals — e.g., "$500"
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Subscriptions, movies, hobbies, events, travel — e.g., "$200"
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Clothing, toiletries, haircuts, gym, wellness — e.g., "$150"
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Gifts, donations, pet expenses, education, anything not covered above — e.g., "$100"
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Sum of all spending categories — e.g., "$4,130"
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Income minus expenses (positive = surplus, negative = deficit) — e.g., "+$370" or "-$150"
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What single category or purchase cost the most? — e.g., "Housing" or "Car repair $600"
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Where did you save money? What financial decision are you proud of?
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One specific goal to focus on (e.g., "Reduce dining out by $100", "Start emergency fund", "Pay extra $50 on credit card")
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Anything else worth remembering about this month's finances.
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