How to Conduct a Mid-Year Budget Audit

Budgeting for Beginners with Fexingo: Cash Envelopes, Apps, and Simple Money Tracking · Jul 26, 2026 · 5m · transcript

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…