Free routine template
Money habits tracker that reminds you when each one is due
Log spending daily, check the budget weekly, move savings on pay day, write the net worth monthly.
- 9 routines
- 2 at a set time
- Reminders when they are due
Money habits
Days and times are the pack's own. Change any of them after you add it.
- Log today's spendingEvery day at 21:00Two minutes before bed: add everything you spent today with a category, card and PayNow included.
- Budget checkEvery Sun at 10:00Compare the week's spending with the budget by category. Adjust next week if one is running over.
- Move savings and investmentsEvery month on the 25thOn pay day, move the fixed amount to savings and investments before spending anything. Better still, automate it.
- Pay the cards in fullEvery month on the 26thPay each card's full statement balance, not the minimum, before the due date. Set GIRO for the full amount if your bank allows it.
- Write down the net worthEvery month on the 1stAdd up savings, investments, CPF and property, minus every debt. Write the number down and compare it with last month.
- Cancel one subscriptionEvery quarter on the 1stGo through the bank and card statements for repeat charges and cancel one you would not sign up for again today.
- Review insurance coverEvery year on 1 NovCheck each cover still fits your life: dependants, debts, health. Book a review if anything changed this year.
- Emergency fund checkEvery quarter on the 1stCheck that three to six months of spending sits in savings you can reach quickly. Top it up before investing more.
- Rebalance once a yearEvery year on 15 JanCompare your mix of shares, bonds and cash with what you meant to hold, and move it back, using new money where you can.
About this pack
Money is managed in minutes a day or in crises a year. These routines keep the minutes.
How to use it in Palby Planner
- 1Open Routines and press Packs.
- 2Find Money habits and open it. Every routine is ticked, with its day and time.
- 3Untick any you don't want. A routine you already have is shown, and it isn't added twice.
- 4Press Add. Each one reminds you on WhatsApp or Telegram when it is due, until you tick it off.
Packs like this one
Invoices out on Friday, overdue ones chased on Tuesday, tax money set aside monthly, MediSave and Form B on time.
6 routinesEvery balance written down monthly, minimums checked, every spare dollar to one debt, two no-spend days a week.
5 routinesCall the parents weekly, one message a day to a friend, date night, a dinner with friends a month.
5 routines
Questions
Yes. Copy it as a checklist or print it, with no sign-up. Adding it to Palby Planner, with the reminders, needs an account.
Link WhatsApp or Telegram and a message arrives at the routine's time, or at 10am if it has none, but only if it isn't done yet. Tap Done, snooze it, or mute that routine.
Yes. Every routine is yours once it's added: rename it, move its day or time, or delete it. Untick the ones you don't want before you add the pack.
Type it in one line, like "stretch daily at 9pm", and it becomes a routine with that day and time.
Get a nudge when each one is due.
The packs are free. The app reminds you when each one is due.