{"id":6066,"date":"2025-12-30T13:02:23","date_gmt":"2025-12-30T19:02:23","guid":{"rendered":"https:\/\/www.accrediteddebtrelief.com\/blog\/?p=6066"},"modified":"2025-12-30T13:02:23","modified_gmt":"2025-12-30T19:02:23","slug":"the-30-minute-monthly-money-close","status":"publish","type":"post","link":"https:\/\/www.accrediteddebtrelief.com\/blog\/the-30-minute-monthly-money-close\/","title":{"rendered":"\u200b\u200bThe 30-Minute Monthly Money Close"},"content":{"rendered":"\n<p>You ever have a day where your brain shuts down when you try to think about money? Maybe you log into your bank account to just check something and 20 minutes later you realize you\u2019ve just doom-scrolled around your account feeling badly? Or perhaps you actually had the intention to sit down and get organized with a budget, only to start spiraling into overwhelm that eats into your entire afternoon.<\/p>\n\n\n\n<p>That\u2019s why we\u2019re so enthusiastic about the Monthly Money Close. The Monthly Money Close is a helpful \u201cproductivity tool\u201d (or really just a short routine) that helps you keep an eye on your money without freaking out.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>First things first: time yourself<\/strong><\/h2>\n\n\n\n<p>Before you even put an eye on your accounts, the first step is to set a 30-minute timer. And this is not a \u201csnooze,\u201d situation where you go longer than your allotted time. Even if you haven\u2019t finished everything you planned, that\u2019s it! Stop. This boundary is incredibly important.<\/p>\n\n\n\n<p>What should you do once you set your timer? Open all of your banking and <a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/what-to-do-when-you-max-out-your-credit-card\/\">credit card<\/a> apps and last month\u2019s calendar (if you use one). Silence your phone, get some water, and close any tabs that aren\u2019t what you need.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.fastcompany.com\/90588596\/start-the-new-year-with-a-digital-declutter\" target=\"_blank\" rel=\"noreferrer noopener\">Altering your setup<\/a> in this small way can make a huge difference.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Get started<\/strong><\/h2>\n\n\n\n<p>All we\u2019re doing first is scanning and getting the lay of the land \u2014 don\u2019t worry about fixing anything yet.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Look through the charges. Anything weird? Flag it.<\/li>\n\n\n\n<li>Did your payment go through? Cool, move on.<\/li>\n\n\n\n<li>Is something labeled inaccurately? Fix it if it will only take a minute or two. Otherwise, just make a little note.<\/li>\n<\/ul>\n\n\n\n<p>This is about keeping track of things, not having a perfect record. This is a quick skim and shouldn\u2019t make you spiral. If something really does <a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/financial-stress-support\/\">make you anxious<\/a>, give it an asterisk and return to it another day.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>A quick glance at your goals<\/strong><\/h2>\n\n\n\n<p>Were you trying to save a certain amount last month? Perhaps you were trying to avoid overspending in one specific area. Whatever your goals were, write a single line clarifying how it went:<\/p>\n\n\n\n<p>&nbsp;\u201cAdded $60 to vacation fund.\u201d Or \u201cGroceries spending was out of control again.\u201d&nbsp;<\/p>\n\n\n\n<p>If anything\u2019s changed in the last month \u2014 a new expense, a surprise bill, or a <a href=\"https:\/\/www.accrediteddebtrelief.com\/blog\/5-job-posting-red-flags-to-watch-out-for\/\">job change<\/a> \u2014 take a few seconds to adjust your goals. This is a flexible process, so you shouldn\u2019t feel stuck!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pick three things you can actually finish<\/strong><\/h2>\n\n\n\n<p>This is the only \u201caction\u201d part. You pick three money things you can do quickly. Not huge tasks. Not projects. Little ones. Like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cancel one subscription<\/li>\n\n\n\n<li>Move $25 into savings<\/li>\n\n\n\n<li>Change the due date on a bill<\/li>\n\n\n\n<li>Think of a better, more memorable name for your account so it\u2019s easier to track<\/li>\n\n\n\n<li>Set up a low-balance notification for yourself<\/li>\n<\/ul>\n\n\n\n<p>These are tiny tasks. Each one shouldn\u2019t take more than a quarter of an hour. If it takes longer, break it into smaller tasks and attack those next time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Capture it somewhere you\u2019ll actually look<\/strong><\/h2>\n\n\n\n<p>Where others might try to get fancy, we\u2019re focusing on effectiveness. Find a place (where you\u2019ll actually look) to write out your current checking and savings balances. Select a single credit card to track if you\u2019d like. List your 3 mini-tasks. Then jot down one thing that frustrated you this month money-wise and one win. That win can be small! <a href=\"https:\/\/www.linkedin.com\/pulse\/art-small-wins-sumaya-howth-v8b1c\" target=\"_blank\" rel=\"noreferrer noopener\">Small wins<\/a> are incredibly important and scale up to big wins.<\/p>\n\n\n\n<p>And voila! That\u2019s your snapshot! It can be on a piece of paper on the fridge, your notes app, or anywhere else you\u2019ll notice it. You could label it \u201cJanuary Money Close,\u201d and remember to keep it with last month\u2019s so you\u2019re able to glance back later, and see your progress.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Don\u2019t chase the perfect version<\/strong><\/h2>\n\n\n\n<p>Spoiler alert: There\u2019s no perfect version! Some months you might do this late, or some months you might feel like it\u2019s a waste of time. Don\u2019t worry because you still sat with your money for 30 minutes <a href=\"https:\/\/www.npr.org\/2021\/12\/23\/1067497505\/money-avoidance-spending-habits-change\" target=\"_blank\" rel=\"noreferrer noopener\">instead of avoiding it<\/a> for 30 days.<\/p>\n\n\n\n<p>If you only get to 2 out of 3 things? That\u2019s totally fine \u2014 that\u2019s still a win. If you start to get anxious partway through? Take deep breath, and jot down \u201cI feel tense.\u201d That actually counts as a win.&nbsp;<\/p>\n\n\n\n<p>The key is self-compassion and self-encouragement. Self-criticism will only make you stall out. Be your own advocate and protect your energy and mental health by setting that time boundary and not giving yourself a hard time if you don\u2019t do this perfectly (it bears repeating \u2014 there is no perfect!).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quick tips for if your brain tries to hijack the process<\/strong><\/h2>\n\n\n\n<p>Don\u2019t download a new money app during this process, start a brand-new spreadsheet, or try to fix your entire budget from scratch. If you get overwhelmed? Stop early \u2014 there\u2019s no penalty for that. If you forget next month, do it when you remember. The system will still work.&nbsp;<\/p>\n\n\n\n<p>This isn\u2019t a giant overhaul to whatever you\u2019re doing now \u2014 it\u2019s simply you keeping an eye on things each month, and making progress without getting overwhelmed.<\/p>\n\n\n\n<p>And for what it\u2019s worth, that\u2019s more than most people ever do.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn about the Monthly Money Close and how this helpful short routine ] helps you keep an eye on your money without panicking!<\/p>\n","protected":false},"author":16,"featured_media":6067,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","footnotes":""},"categories":[73],"tags":[],"class_list":["post-6066","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-wellness"],"accredited":{"author":{"name":"Sophia Grant","url":"https:\/\/www.accrediteddebtrelief.com\/blog\/author\/sgrant\/"},"categories":[{"name":"Financial Wellness","slug":"financial-wellness","url":"https:\/\/www.accrediteddebtrelief.com\/blog\/category\/financial-wellness\/"}],"thumbnail":"https:\/\/www.accrediteddebtrelief.com\/blog\/wp-content\/uploads\/2025\/12\/ADR_Blog_Header_30MinMonClose-1024x576.jpg"},"acf":{"edited_by":"","reviewed_by":"","fact_checked_by":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - 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