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The Frugal Chic® Money Hour: the exact 60 minutes I spend on my finances each month

Frugal Chic® 77: My salary, my dividends, my accounts, the tracker, and how I pay myself as a company director

Mia McGrath | Frugal Chic®'s avatar
Mia McGrath | Frugal Chic®
Sep 02, 2026
∙ Paid

I usually check my money once a month, for an hour. The rest of the time I leave it alone.

That might sound relaxed for someone whose entire brand is money but it’s the opposite. That one hour is the reason I’m able to leave it alone without stressing.

If you check your banking app every day and still couldn’t tell me what you’re worth, this is for you. If you read Sunday’s 30 Frugal Things I’ve Done Recently to Save Money and thought about how you can become better with money, this is the how.

In this issue:

  • What I actually get paid, and how it’s split

  • The accounts my money moves between

  • The hour, minute by minute

  • My budgeting tracker, free for paid subscribers

  • How I pay myself as a limited company director, and why the numbers are what they are

One deliberate hour beats fifty anxious glances

The One Hour Rule is the idea I’m most known for: one focused hour a day builds more than eight distracted ones. The Money Hour is the same rule pointed at your finances. One hour per month, on the same day, in the same order, phone in another room.

Obviously, nothing in this post is financial or tax advice. It’s what I do, and it depends entirely on your circumstances.

If you’d rather copy a system than build one from scratch, the rest of this post is for you. My exact monthly money routine, the tracker, and how I pay myself as a director, all in one place.

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