Free Monthly Bill Review Checklist (Two Pages)

A bill review is a ten-minute appointment with your own statements: once a month, you list what you pay, mark each bill keep or cancel, and check whether last month's list still matches what you used. Most people run that review in their head, where it turns into a vague intention. These two printable pages put it on paper. Page 1 is a ten-row table - each row gets a bill name written in, an amount written in, and two circles: one for cancel (Y/N), one for keep (Y/N). Page 2 is a usage-check box and an annual-renewals box and nothing else. Print it, write on it, reprint it next month. Below the sheet sits a checklist for a different kind of audit entirely - smart-contract code, not your bills.

How to use this page: print at 100% scale - both pages come out on two sheets. Wait until this month's statements exist, then do page 1 in one sitting, about ten minutes: write each bill on its own row with its amount, and circle cancel or keep for each. If a row takes more than a few seconds, that hesitation is the finding - park it and move on. Page 2 takes another five minutes and works best right after page 1, while the cancel circles are still fresh.

The two-page monthly bill review sheet

Nothing on this paper moves money or contacts anyone. The rows hold the shape - what you pay, what you decided this month - and your handwriting holds the facts. The gray row shows how a row reads, nothing more.

Monthly bill review - page 1

Ten bills, one row each. Bill names and amounts are written in. Circle Y or N under Cancel and under Keep for every row - both circles get answered even when the answer is obvious.

Month:  

Bills this month - 10 rows
#Bill (write in)Amount (write in)Cancel?Keep?
exStreaming video15.99 USDY · NY · N
1 Y · NY · N
2Y · NY · N
3Y · NY · N
4Y · NY · N
5Y · NY · N
6Y · NY · N
7Y · NY · N
8Y · NY · N
9Y · NY · N
10Y · NY · N

Cancel and keep are separate circles on purpose. A keep circle you circle without thinking is the row worth staring at next month.

Monthly bill review - page 2

Two checks that catch what the table misses: what you didn't use, and what doesn't show up every month.

Usage check

Services you did not open or use since last month's review - name them, 4 lines. A bill listed here two months running is a strong cancel candidate:

 
 
 
 

Annual renewals

Bills that hit once a year and skip the monthly table - what, roughly when, and whether this year's review keeps it, 3 lines:

 
 
 

The gray row shows the shape of a bill line: a name, an amount, two circles. Nothing computes, nothing totals, and no row means anything until you write it. The usage-check box exists because a keep circle drawn next to a service you never opened is the exact thing this review is for.

4 opinions on running this monthly review

  1. Cancel one bill every month. (Opinion.) A review that ends with every circle on keep took inventory. One deliberate cancel per month keeps the ritual honest, and it forces the question that matters: is there anything here I'm paying for out of habit? Some months the honest answer is no - fine, cancel nothing and write that down. The asking every month is the habit; the cancels follow when the evidence lines up.
  2. Judge usage, not intentions. (Opinion.) The keep circle wants to be circled for the version of you who will definitely start using the language app again. Ask instead: did I open this since last month's review? Last month's behavior is the only evidence on the table. The usage-check box exists to hold that evidence, and a bill that shows up there twice in a row has made its own case.
  3. Do it the day the last statement lands. (Opinion.) A review without a fixed date slides to never, because no month announces itself as review month. Pick the day your latest statement cycle closes and keep it - the sheet on page 1 has a month line for exactly this. Same day every month also means the amounts you compare across sheets are the same billing cycle length, which keeps the comparison clean.
  4. Reprint fresh each month and keep the old sheets. (Opinion.) Editing one sheet forever turns the review into a scribble. A fresh print each month, with the previous sheet filed next to it, shows the drift you'd never notice in the moment: which keep circles survived three months running, whether last month's cancel circle ever got acted on, how the annual-renewals box filled in as the year went around.

What the code-audit checklist adds

This page reviews your own bills on paper. The product below is a different tool with the same surname: a working checklist for reviewing EVM smart contracts, built from public registry entries and audit-practice patterns. If you write or ship contracts, it's the structured version of what this page does for a bill stack.

"A working checklist for reviewing EVM smart contracts: 126 checks across 10 categories, each with an id, a severity rating and a reference. Multi-chain scope: Ethereum, L2s, and cross-chain messaging patterns." - the product README

For other paper reviews, the self audit checklist template runs a similar two-page habit over your accounts and security settings, the monthly bill tracker follows payments and due dates through the month, and the subscription tracker holds a standing list with renewal days and an annual-cost recap.

Honest note: these two pages are a review sheet - a structure for writing down your own bills and your own keep-or-cancel calls. They are not a professional audit of anything and not a substitute for one; the circles are your decisions, and a completed sheet records a review, it doesn't execute one. Nothing here is financial advice, and nothing on the sheet contacts a provider or changes a payment.

Get the Smart Contract Security Audit Checklist - 126 checks, PDF + CSV →

one-time · instant download · PDF for review sessions + CSV for Notion, Sheets and Excel · or browse the catalog first