Free habit-review worksheets

Seven-day habit log

Use this blank CSV to record one routine for seven days. It includes separate columns for actual spending, active minutes, energy notes and stress notes. Enter money once, mark estimates, and keep subjective observations out of numerical totals. Open the file in a spreadsheet, print it there, or copy its headings onto paper.

• Download the seven-day worksheet (.csv)
• Follow the worked lunch example

Monthly review worksheet

Use this after a change has run long enough to produce real transactions. Record previous outlay, current outlay, replacement costs, one-off costs, and whether you would keep the change. Annual equivalents belong in planning notes, not as extra cash payments.

• Download the monthly worksheet (.csv)
• Follow the monthly reconciliation example

A five-question review you can use now

You do not need a download to start. Write down your answers and leave with one action.

• Which repeat purchase or task deserves a closer look?
• What did it actually cost in money and active minutes?
• What did it make easier, and what felt harder?
• What feasible replacement includes all its own costs?
• What will I try once, and when will I review it?

Public reference tools

For a fuller household money picture, the CFPB provides spending trackers, bill calendars and cash-flow worksheets. For sleep information, use established health guidance rather than a spending score. These external resources are not operated by CostlyHabits.

• CFPB: Your Money, Your Goals toolkit
• CDC: About sleep
• Read the CostlyHabits method

Privacy and scope

These are self-guided worksheets, not personalized matching or professional advice. Keep your completed files on your own device or on paper. We do not request completed worksheets, bank statements or sensitive health details, and no lead form is enabled on this page.