💸📅 How to Use ‘Money Mondays’ to Fix Your Finances Weekly
Because your money deserves more attention than your Monday blues!
🧠 What Are “Money Mondays”?
“Money Mondays” is a weekly routine where you dedicate a small chunk of time every Monday to check in with your finances — just like you’d check your calendar for the week.
But why Monday? 🤔
Because it's the reset button of your week. You're already planning work, meetings, maybe even meals — so why not plan your money too?
💥 Why Most People Avoid Their Finances (And Why You Shouldn’t)
Let’s be honest — checking your bank balance, credit card bill, or UPI spend hurts sometimes, right? 😬
But ignoring your money only leads to more stress. “Money Mondays” isn’t about guilt. It’s about clarity.
What happens when you avoid money stuff?
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You overspend without realizing.
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You miss bill due dates.
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You don’t track where your salary is going.
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You keep telling yourself “I’ll start budgeting next month…”
🔄 What to Do Every “Money Monday”
Here’s a simple step-by-step breakdown of what you can do each week (takes just 20–30 mins):
✅ 1. Check Your Bank Balance 💰
Open your banking app (yes, face your fear 😅) and check:
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Total available balance
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Any surprise auto-debits
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Recent UPI or card transactions
📌 Tip: Use an app like Walnut, ET Money, or Cred to track and categorize your expenses automatically.
✅ 2. Update Your Weekly Budget 📊
Budgeting doesn't need to be fancy. Just check:
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How much did you spend last week?
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How much can you spend this week?
📎 Example:
If your monthly budget for food is ₹6000 and you spent ₹2300 in Week 1, then Week 2's balance is ₹3700. That’s it.
✅ 3. Pay Bills and EMIs On Time 💡
Set up a recurring reminder on Google Calendar or your phone. Use UPI Autopay or apps like Cred or Paytm to manage bills easily.
Why this matters:
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Late fees = unnecessary expenses
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It affects your credit score, which is crucial for loans in the future
✅ 4. Review Upcoming Expenses 📝
Got a wedding coming up? A short trip? College fees?
Planning these in advance helps you avoid:
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Last-minute stress
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Dipping into savings or credit cards
✅ 5. Add to Your Savings or Investments 📈
Even ₹100 counts! Start small, but be consistent.
Good places to start:
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SIP (Systematic Investment Plans)
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FD/RD
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Digital gold (like Groww or PhonePe offers)
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Save ₹500 every Monday → That’s ₹26,000 in a year! 🤯
🔄 Sample “Money Monday” Checklist ✅
| Task | Time Required |
|---|---|
| Check bank balance | 5 mins |
| Update budget | 10 mins |
| Pay bills | 5 mins |
| Plan this week’s expenses | 5 mins |
| Invest or save | 5 mins |
Total: 30 mins or less!
🔍 Real-Life Example
Let’s say Meena, a 24-year-old freelancer from Mumbai, started using "Money Mondays."
Before:
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Overspent every month
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Had no clue about upcoming bills
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Didn’t invest anything
After 2 months:
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Saved ₹5,000+ just by tracking food delivery
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Started SIP of ₹500/week
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Paid all bills on time and stress-free
💡 Result? More financial control and zero “end-of-the-month panic.”
🧠 Bonus: Use Tools to Make Life Easier
Some FREE tools you can try:
| Tool | What it Does |
|---|---|
| Google Sheets | Manual budget tracking |
| Notion | Create a money dashboard 💻 |
| ET Money | Investment + insurance tracking |
| Cred | Bill reminders + credit score |
| Jupiter | Spending insights for UPI/cards |
🚫 What to Avoid on Money Mondays
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Don’t skip it just because it’s boring — treat it like brushing your teeth.
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Don’t blame yourself for overspending — focus on fixing, not guilt.
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Don’t complicate it — start with 1–2 steps, and build over time.
💬 Final Thoughts: Make It a Habit, Not a Hustle
“Money Mondays” is about creating a mini moment every week to take care of your future self.
It’s not about being perfect. It’s about being consistent.
Remember:
“What gets measured, gets managed.” — Peter Drucker
Start this Monday. Set a timer. Brew some chai ☕. Put on your favorite playlist 🎶.
And give your money 30 minutes of your attention.
🗣️ What About You?
Have you ever tried a weekly money ritual?
Or do you already have your own version of “Money Mondays”?
👇 Comment below and let me know! I’d love to hear what works for you.
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