Money Reset Day: the 30-minute monthly system.

All nine previous topics have a once-per-year action at most. Money Reset Day is the cadence that prevents the slow drift between those actions: subscriptions creeping up, exchange-rate alerts ignored, contracts auto-renewing, idle cash piling up.

Thirty minutes monthly is enough because the work compounds: each month you remove last month's noise rather than a year's.

Minute 0–5: open your main bank account, scan all transactions of the month, flag anything you did not consciously approve.

Minute 5–10: list every recurring charge (subscriptions, memberships, donations, insurance instalments). Cancel anything you did not use this month.

Minute 10–18: check that any cash above three months of expenses is in a savings or 3a/investment vehicle, not earning 0% in a current account.

Minute 18–25: scan upcoming contract end-dates and notice periods (mobile, internet, insurance, rent). Add any cancellation deadline to your calendar.

Minute 25–30: write the single next action for the coming month - e.g. 'send KVG cancellation by 25 Nov', 'open second 3a account', 'rebalance ETF allocation'.