An annual review is a useful occasion to inspect the whole plan. It is not a rule to ignore the budget between anniversaries. Variable income or a tight cash balance can require more frequent checks.

Review sooner after a change in pay, rent, care responsibilities, benefits or household membership. The question is whether the assumptions and transfers still fit what is happening.

Use this as a revisitable checklist after the pay, borrowing or household modules. When cashflow changes, recheck which income arrives before each outgoing payment and whether the available balance covers it. Keep real financial details private. Record the next check and its date; completing a lesson does not mean the change has happened.