My Realistic Monthly Budgeting Routine (Step-by-Step Breakdown) 📝 | Clever Girl Finance

Tired of complicated budgeting systems that never stick? In this video, I’m sharing my exact monthly budgeting routine; from reviewing last month’s numbers to planning for irregular expenses and closing out the month with reflection.

This is a realistic, flexible approach to budgeting that actually works. Whether you’re just getting started or want to refresh your process, these steps will help you stay consistent without feeling overwhelmed.

What you’ll learn in this video:

✔️ How I start with a financial reflection, not shame
✔️ My method for planning income (even with variable pay!)
✔️ Why I budget for my goals first before any expenses
✔️ How I build a realistic, values-aligned spending plan
✔️ The importance of planning for irregular expenses
✔️ Why I track my budget weekly (not daily!)
✔️ How I close out each month to stay consistent

This budgeting routine is simple, sustainable, and designed to help you make real financial progress.

No perfect templates. Just a system that works.

👇 Drop a comment: What’s one change you’ll make to your monthly budget?

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