Get your spending under control
Use regular checks and purchase rules to follow the budget you choose.
Plan Library / Money
Get your spending under
control.
Use regular checks and purchase rules to follow the budget you choose.
How to start
Make the first
step clear.
Choose your spending budget and the accounts to review. Set morning and evening check times, and keep a list of unplanned nonessential purchases with the time each was added. Define which purchases the rules apply to before starting.
What It Includes
Your scheduled
commitments.
Start with three observable actions. Choose any personal targets and dates before starting, then adjust the routine to fit your life.
Commitment 1
- Check transactionsWednesday, Sunday
On Wednesday and Sunday, check new transactions across the accounts you use for spending.
Commitment 2
- Check your remaining budgetDaily
Each morning, check what remains in your chosen spending budget before making purchase decisions.
Commitment 3
- Check pending purchasesDaily
Each evening, check your list of unplanned nonessential purchases. Confirm that 24 hours have passed before buying anything on it. Mark complete after performing the check, even if the list is empty.
Purchase rules
- Check your remaining budget before discretionary purchases.
- Wait 24 hours before buying an unplanned nonessential purchase.
The daily habits track performing the checks. Keep these rules in place when making purchases.
Optional additions
Choose either, both, or neither. These start unselected during import.
- Remove a shopping trigger: Unsubscribe from one promotional shopping email each week. Once none remain, remove this optional habit. 1 time per week
- Compare a recurring bill: Compare the price of one recurring service each month. 1 time per month
Record completed commitments in your D/R check-in.
Goal + Milestones
Know what
complete means.
Review your logs before marking a milestone complete. Adjust the targets if you change your schedule. Optional additions do not count toward milestones. These milestones measure following your chosen routine. They do not show whether you stayed within budget; that would need to be measured separately.
Complete your first week
Complete two transaction checks and both daily checks on five days.
Complete four weeks of your routine
Meet those targets for four qualifying weeks. The weeks do not need to be consecutive.
Make the plan real.
Copy it into D/R, review the setup, and choose what gets added.
Practical questions
Make it work
for you.
Can I change the schedule?
Yes. Choose your transaction-review days and daily check times. Define which purchases your rules apply to before starting, then adjust the schedule and milestone targets during import review.
What happens if I miss a day?
Perform the next scheduled check and count only checks you actually complete. A qualifying week means two transaction checks and both daily checks on five days. Four qualifying weeks do not need to be consecutive, and a missed day does not require a restart.
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