Yearly ritual
Run an annual money review
Once a year, step back to grade your goals, net worth, and systems. Then reset for the year ahead.
Scorecard idea
Goal progress
B
Net worth
+£8k
Systems
Needs tweak
1. Review history
Look at Budget Expert history snapshots or bank exports to see trends.
2. Celebrate wins
List what went right: debt paid, savings boosted, habits formed.
3. Choose themes for next year
Decide on 1–3 money focuses—maybe “max ISA”, “kill car loan”, or “cashflow calm”.