How to Conduct a Mid-Year Budget Audit

It's July 26, 2026, and if your New Year's budget resolutions have slipped, you're not alone. In this episode, Lucas and Luna walk through a practical mid-year budget audit: how to gather your transactions, compare against your original categories, and adjust for the second half of the year. They share a concrete example — a listener named Alex who was overspending on dining out by 20% — and show how reallocating just 5% of discretionary spending can add hundreds to savings. Along the way, they discuss the psychology of budget guilt, the power of a 'catch-up' plan, and why the cash envelope system works for certain categories. Perfect for anyone who wants to reset their finances without shame. #Budgeting #Finance #FexingoBusiness #BusinessPodcast #MidYearReview #BudgetAudit #PersonalFinance #MoneyManagement #SpendingReview #FinancialGoals #Savings #BudgetTips #FinancialPlanning #SummerBudget #CheckYourBudget #ExpenseTracking #Fexingo #CashEnvelopes Keep every episode free: buymeacoffee.com/fexingo