Budgeting
Monthly Financial Planning: How to Do It
March 14, 2026
Monthly financial planning is the routine that transforms good intentions into real results. Learn to organize your finances every month in less than 30 minutes.
The 30-minute monthly routine
Start of month (20 min): 1. Review last month's expenses in PaxMoney 2. Compare with planned budget 3. Identify categories that went over 4. Adjust limits for the new month 5. Set the savings/investment goal
Mid-month (5 min): 1. Check if you're on track 2. Adjust if any category is going over
End of month (5 min): 1. Close the numbers 2. Transfer savings to investments 3. Note lessons for next month
Integrating investments into planning
Financial planning goes beyond expenses. With PaxMoney, you see everything in one place:
- •Expenses by category and trend
- •Investments with updated quotes
- •Dividends received and forecasted
- •Total net worth in any currency
This enables integrated decisions: "This month I saved $500 on food — I'll direct it to dividend stocks."