Build a Personal Finance Review Template for the End of Each Month

Monthly financial reviews only happen if they take a predictable amount of time and have a clear structure. This is the template: income versus expectation, spending by category, net change in savings and debt, one thing that worked, and one thing to adjust. Fill-in format with examples so there is nothing to figure out when you sit down with it.

Help me design a monthly financial review template that takes no more than [20 minutes] to complete.

The template should cover:
1. **Income**: actual versus expected income this month, with any variance noted
2. **Spending**: total spend versus my monthly budget, broken down into [four to five] categories I choose
3. **Saving and debt**: net change in savings balance and any debt this month
4. **One thing that went well**: a specific spending or saving decision I am satisfied with
5. **One thing to adjust**: the single financial behaviour I want to change next month

Format this as a template I can fill in, not a guide to reviewing finances. Include example responses in [square brackets] so I understand what each field expects. Keep each field brief: this is a record, not a report.