- On 1 July at 0900, or as soon after as possible.
- Review and update budget
- Weekly allowance: decrease?
- Essential bills: shop around for better deals
- Discretionary bills: eliminate or decrease?
- Home loan: refinance?
- Review previous year provisioning expenses
- Forecast upcoming provisioning expenses
- Update Money SMARTS spreadsheet accordingly
- I will stay in control of my finances
- I will ensure that I trap as much surplus as possible