Spending
What I need to ask you, what moved, and where the money could give — as of 10 November 2026, measured against your own last 12 months and never against anyone else. 21 findings were considered; 4 survived.
Only you can answer this
Doubts the ledger cannot settle on its own — a bill that may have changed its name, a charge that missed its cycle, a slow rhythm that may be a subscription. Answer once and it is never asked again.
Oakhurst Preschool hasn't billed in 10 cycles. Paused for now, or finished with?
It was $417/mo and has gone quiet before — the longest previous gap was 1328 days. That history is why it is not simply being called cancelled.
Ironwood Broadband hasn't charged this cycle. Did you cancel it, or is it still on?
It has billed monthly for 8 cycles at about $64 a time, and the last one was 2026-09-27 — 14 days past due for a 30-day rhythm. One missed cycle proves nothing either way, which is why this is a question and not a finding.
Teach it once
Groups of payments that share a name and have no category. Answer one and every payment like it — including the ones that haven’t happened — is filed that way.
15 payments share “family” and aren’t categorised.
$25,360e.g. Intl Family Transfer
One answer settles all 15 — and every one that arrives later.
22 payments share “ironwood” and aren’t categorised.
$5,126e.g. Ironwood Trading · Ironwood Shop · Ironwood Group
One answer settles all 22 — and every one that arrives later.
104 payments share “granite” and aren’t categorised.
$2,926e.g. Granite Trading · Granite General Store · Granite Goods
One answer settles all 104 — and every one that arrives later.
Same merchant, different names?
Descriptors the engine thinks are one business. It will not merge anything until you say so — a wrong merge hides itself, a split does not.
Your tags
Spending you want kept in one number, whatever category it belongs to.
A tag keeps spending you care about in one number, whatever category it otherwise belongs to. Tag a merchant once and every payment there — including ones that have not happened yet — carries it.
Tag a merchant
Matching is on the payment descriptor, case-insensitive. “state liquor” claims every State Liquor Store; “chevron” claims every Chevron.
What changed when your income changed
What you let go, what you did not touch, and what only looks like a decision.
In the year before Stonebridge Co stopped paying you spent $9,654 a month. Since, it has been $9,355 — $300 a month less.
Measured either side of 6 January 2026. Both windows are adjusted for the calendar, so a June is not being compared against a February.
What you let go
What you did not touch
Big enough to have been an obvious place to cut, and it did not move.
What went up
Each of these changed by enough to look like a choice. They are events — a loan reaching term, a pause you told the app about, or a single large payment — so they are named here rather than counted as something you did.
- loansran its term+$997/mo
Ashford Auto Finance and Stonebridge Auto Finance reached the end of their terms in this window. A commitment ending is a lifecycle, not a decision.
- travelone payment−$132/mo
Mostly one payment — $1,240 at Willowmere Resorts on 2025-04-28. Without it the move is $26/mo.
More often, or bigger each time?
The last 6 months against the 6 before — where the shape of a habit changed, not just its total.
Yardley Goods
shopping
How often
0.7 → 6.9a month
How much, each time
$16 → $16
Yardley Goods is $138/mo more — 0.7 → 6.9 times a month, and the basket has not moved ($16 → $16 a time). It is how often, not how much.
Kept up to 2039, that is ₹0.45 Cr that will not arrive.
- 24 January 2026Yardley Goods$25
- 4 May 2026Yardley Goods$14
- 6 May 2026Yardley Goods$12
- 9 May 2026Yardley Goods$17
- 11 May 2026Yardley Goods$5
- 11 May 2026Yardley Goods$59
- 12 May 2026Yardley Goods$7
- 18 May 2026Yardley Goods$3
- 20 May 2026Yardley Goods$18
- 2 June 2026Yardley Goods$62
- 4 June 2026Yardley Goods$36
- 6 June 2026Yardley Goods$6
- 10 June 2026Yardley Goods$7
- 13 June 2026Yardley Goods$10
- 18 June 2026Yardley Goods$7
- 20 June 2026Yardley Goods$4
- 29 June 2026Yardley Goods$23
- 29 June 2026Yardley Goods$65
- 1 July 2026Yardley Goods$5
- 4 July 2026Yardley Goods$9
- 8 August 2026Yardley Goods$24
- 10 August 2026Yardley Goods$28
- 31 August 2026Yardley Goods$22
- 2 September 2026Yardley Goods$11
- 2 September 2026Yardley Goods$17
- 3 September 2026Yardley Goods$150
- 14 September 2026Yardley Goods$13
- 17 September 2026Yardley Goods$9
- 17 September 2026Yardley Goods$20
- 19 September 2026Yardley Goods$18
- 23 September 2026Yardley Goods$16
- 23 September 2026Yardley Goods$3
- 26 September 2026Yardley Goods$1
- 26 September 2026Yardley Goods$16
- 26 September 2026Yardley Goods$37
- 26 September 2026Yardley Goods$35
- 26 September 2026Yardley Goods$2
- 26 September 2026Yardley Goods$7
- 26 September 2026Yardley Goods$9
- 28 September 2026Yardley Goods$19
- 28 September 2026Yardley Goods$14
- 3 October 2026Yardley Goods$5
- 10 October 2026Yardley Goods$31
- 10 October 2026Yardley Goods$24
- 13 October 2026Yardley Goods$25
- 17 October 2026Yardley Goods$23
What the ledger says changed
Biggest first, and anything you haven’t seen before comes above what you have.
Transport spending is $1.4k/mo higher — $104/mo in June 2025–May 2026 vs $1.5k/mo in June 2026–November 2026 (median monthly spend, matched on 5 like-for-like calendar months).
Transport is seasonal (5.3× swing across the year), but the change survives calendar alignment: $1.4k/mo like-for-like vs $1.3k naive.
You're spending $3/mo less AT Ashford Internet — $133/mo (June 2025–May 2026) → $130/mo (June 2026–November 2026), across 5 separate charges averaging $123. This is not one subscription changing price.
"Ashford Internet" is not one repeating charge — charge COUNT went 1.1 → 1.7 per month while the typical charge only moved $118 → $123. There is no merchant id in this data, so these are many different purchases sharing a name. A unit-price claim is not supported. Ashford Internet is seasonal (1.7× swing across the year). Matched on the same calendar months, the change is $18/mo up — not $3. The claimed direction reverses once season is removed. $18/mo is 2.0× the normal variation (±$9/mo spread across the 3 like-for-like month pairs) across 18 transactions in 15 months.
Larkspur Clinic stopped after June 2026 — last charge $75 on 2026-06-28, freeing about $90/mo.
Larkspur Clinic is health, not a continuing obligation — there is no "switching" to look for here. 135 days of silence exceeds any historical gap (31 days) — not a seasonal lull. 9 charges over 2026-01-27–2026-06-28 is enough history to read a start/stop.
Oakhurst Preschool hasn't billed in 10 cycles — it was $417/mo.
It has gone quiet before and come back — the longest previous gap was 1328 days — so this is not being called cancelled.
What it didn’t say
Silence you can check. Every finding held back, and why.
Everything the guards passed is above. Once you start answering these, the ones you’ve settled will be listed here instead.
Where it could give
The part of the month a decision can actually change. Your fixed base — housing, childcare, family support, bills — is left out of this entirely, because none of it is a choice you make monthly.
What the month is made of
$7,320/mo in total — the smaller wedge is the part a decision can reach.
- Fixed — not a monthly choice · $5,293
- What a decision can reach · $2,026
- Intl Family Transfer$395/mo
- Yardley Goods$69/mo
- Cedar Bistro$64/mo
- Redbud Marketplace$63/mo
- Larkspur Clinic$42/mo
- Belmont General Store$41/mo
Named, not judged — simply the biggest discretionary lines. Your fixed costs are excluded entirely and are stated once, as the floor, under Insights; putting a second figure for them here is how the app ended up with three different floors in the first place.