Spending
Everything I can tell from the ledger over the 12 months to 10 November 2026 — the read first, then what it is built on.
The read
You are keeping $2,959/mo more than goes out.
Income clears the floor with $4,075/mo to spare, so the gap is in what is chosen rather than what is owed.
$3,570/mo of the month is already decided — 13 things bill on a rhythm, 5 are quiet, and 17 have stopped.
8 of them cost more than when they started, $295/mo more between them.
Separately, $33,648 left in 123 one-off payments — events, not a monthly cost. Dividing them by 12 would describe a month you have never had.
Both sides, month by month
What arrived against what went out. The line is your floor — the months that matter are the ones where the bars cross it.
If every income stopped tomorrow, the cash covers 4 months.
$23,005 liquid against the full burn of $4,686/mo. This one assumes no income at all by construction — it is the floor of the question, and a better income figure is never allowed to flatter it.
35 visits to Cornerstone Supply Co over these 12 months — $3,524.
Counted rather than averaged, because this is a habit and not a bill: nothing arrives on a schedule and there is nothing to cancel, so the figure worth knowing is how often. Behind it, Cornerstone Greengrocer 22× $1,951 and Yardley Goods 42× $936.
76% of what you spend is not a choice you make monthly.
$4,686/mo goes out; $3,570 of it is the floor — obligations on a rhythm plus groceries at your leanest — leaving $1,116/mo that a decision can reach. One-off payments are excluded from both: they are events, and dividing them by 12 would describe a month you have never had.
The optional subscriptions come to $592 a year.
3 streams billing on a rhythm that the floor does not need — Umbra General Store $20/mo, Lakeshore Club $20/mo, Hollowbrook Spa $10/mo. Stated as a year because $49/mo is not the number the decision is made against.
Coming in
What repeats, every month
Left over
Those are the figures that repeat. On top of them, $33,648 left in 123 one-off payments over these 12 months — a car repair, a hotel, a trip. Real money, but not a monthly cost, so it is counted separately rather than divided by six.
The floor
Everything there is no version of the month without — not just the bills that arrive on a schedule.
Mortgage, daycare, family support, utilities, insurance — the bills that arrive on a schedule.
Food and nappies are not optional. This is the lower quartile of your last two years — a month you have actually run on.
That is 47% of what comes in, leaving $4,075/mo of room for everything else.
What comes in
Earned income only — vesting and reimbursements are not take-home.
Stopped:
What quietly went up
$295/mo more than when they started
- Juniper Power & Light+$98/mo · $26 → $124
monthly, moved around 10 May 2026
- Willowmere Credit Union+$50/mo · $410 → $460 · +12%
monthly, moved around 21 October 2025
- Ironwood Broadband+$40/mo · $13 → $52
monthly, moved around 27 April 2026
- Belmont Water+$35/mo · $38 → $73 · +91%
monthly, moved around 10 September 2025
- Ashford Internet+$33/mo · $90 → $123 · +37%
monthly, moved around 2 June 2024
- Brookline Internet+$24/mo · $10 → $34 · +253%
monthly, moved around 28 March 2023
- Lakeshore Club+$10/mo · $11 → $21 · +86%
monthly, moved around 31 August 2026
$16 of it comes back from Summit Theatre — it used to cost you nothing, now $4/mo
- Umbra General Store+$7/mo · $12 → $19 · +61%
monthly, moved around 24 April 2021
What repeats, and what it is
The part of your spending that comes back every month — first as the shape of it, then named stream by stream. This is the figure worth holding against income.
Bills on a rhythm there is no version of this month without.
Also on a rhythm, but each one is a decision you could make differently.
The everyday flow — groceries, dining, shopping. Where a habit can actually be changed.
The optional streams inside that: 3 at $34/mo, on top of 10 mandatory ones already counted in the floor.
What doesn’t
Real money that left the account and is not a monthly cost — a car repair, a hotel, a fee. Shown as a total for the period, because dividing any of it by six describes a month you have never had. The individual payments are listed further down, where you can tell the app what each one was.
11 payments over 12 months · Single large purchases. Shown as a total for the period, never as a monthly rate — a car repair is not a habit.
112 payments over 12 months · Spending you cannot avoid that arrives on no schedule. Real, and not a monthly figure.
Journeys
Spending that clusters into one event rather than many — recognised from hotels, fares, cash abroad and foreign payment rails. Never from a place in a merchant's name: your Utah restaurants are named after cities you were not in.
- 25 July 2026 · Thornfield Inn (hotel)$750
- 23 July 2026 · Thornfield Inn (hotel)$14
- 24 July 2026 · Thornfield Inn (hotel)$7
- 25 July 2026 · Cornerstone Supply Co$75
- 24 July 2026 · Brookline Lodge$35
- 25 July 2026 · Cedar Bistro$35
- 25 July 2026 · Ironwood Rides$29
- 25 July 2026 · Ironwood Rides$28
- 25 July 2026 · Pinecrest Noodle House$27
- 24 July 2026 · Ironwood Rides$26
- 25 July 2026 · Vantage Trading$23
- 25 July 2026 · Riverside Cafe$21
- 25 July 2026 · Juniper Diner$19
- 25 July 2026 · Maple Grill$17
- 24 July 2026 · Willowmere Noodle House$15
- 24 July 2026 · Foxglove Trading Co$15
- 25 July 2026 · Quarry General Store$15
- 23 July 2026 · Oakhurst Coffee Bar$13
- 28 April 2025 · Willowmere Resorts (hotel)$1,240
- 28 April 2025 · Willowmere Resorts (hotel)$1,120
- 28 April 2025 · Willowmere Resorts (hotel)$92
- 28 April 2025 · Harvest Water$410
- 28 April 2025 · Willowmere Group$29
- 28 April 2025 · P2P Transfer$14
- 28 April 2025 · Easton Works$6
- 6 January 2024 · Larkspur Resorts (hotel)$1,710
- 9 January 2024 · Hollowbrook Resorts (hotel)$220
- 10 January 2024 · Hollowbrook Resorts (hotel)$157
- 10 January 2024 · Intl Family Transfer$2,840
- 8 January 2024 · Intl Family Transfer$1,450
- 8 January 2024 · Hollowbrook Group$870
- 9 January 2024 · Intl Family Transfer$620
- 6 January 2024 · Yardley Goods$220
- 10 January 2024 · Northgate General Store$190
- 9 January 2024 · Northgate General Store$133
- 9 January 2024 · Cornerstone Greengrocer$125
- 10 January 2024 · Brookline Internet$103
- 8 January 2024 · Ironwood Mobile$90
- 6 January 2024 · Redbud Grocery$66
- 8 January 2024 · Pinecrest Supply$30
- 10 January 2024 · Northgate Water$28
- 6 January 2024 · Redbud Grocery$27
- 8 January 2024 · Riverside Shop$23
- 8 February 2023 · Thornfield Inn (hotel)$290
- 11 February 2023 · Oakhurst Resorts (hotel)$18
- 7 February 2023 · Ironwood Inn (hotel)$4
- 8 February 2023 · Larkspur Lodge$240
- 7 February 2023 · Brookline Lodge$114
- 8 February 2023 · Redbud Grocery$65
- 7 February 2023 · Ashford Group$31
- 9 February 2023 · Cornerstone Greengrocer$24
- 9 February 2023 · Juniper Lodge$23
- 8 February 2023 · Kingsley Grocery$21
- 8 February 2023 · Easton Co$21
- 8 February 2023 · Hollowbrook General Store$19
- 9 February 2023 · Northgate General Store$19
- 8 February 2023 · Hollowbrook Market$18
- 8 February 2023 · Northgate Shop$17
- 8 February 2023 · Juniper Goods$16
- 9 February 2023 · Highland Group$12
- 11 February 2023 · Riverside Trading$12
The one-offs behind that, one by one
Single events from these months. Real money, but not a monthly cost — and the app cannot tell a work trip from a holiday, so tell it and it will stop guessing.
Where the optional money goes
Ongoing spending by category, biggest first — the part a decision can actually change. Open any row for the merchants inside it.
- Cedar Bistro$122/mo
- Belmont Diner$56/mo
- Ironwood Bistro$43/mo
- Sagebrook Coffee Bar$33/mo
- Maple Grill$28/mo
- Redbud Tacos$28/mo
- Lakeshore Kitchen$27/mo
- Fairview Coffee Bar$22/mo
- 45 smaller merchants$251/mo
- Yardley Goods$131/mo
- Redbud Marketplace$123/mo
- Easton Studio$63/mo
- Summit Supply Co$49/mo
- Stonebridge Group$31/mo
- Easton Marketplace$25/mo
- Foxglove Marketplace$24/mo
- Stonebridge Supply Co$24/mo
- 15 smaller merchants$82/mo
- Cornerstone Supply Co$401/mo
- Easton Provisions$60/mo
- Brookline Market$37/mo
- Lakeshore Food Co-op$26/mo
- Thornfield Grocery$19/mo
- Quarry Fresh Foods$18/mo
- Cornerstone Depot$15/mo
- Harvest Provisions$12/mo
- 6 smaller merchants$26/mo
- Pinecrest Trading$61/mo
- Ironwood Group$42/mo
- Oakhurst Cinema$37/mo
- Maple Marketplace$24/mo
- Hollowbrook Theatre$21/mo
- Harvest Works$16/mo
- Interest Earned$14/mo
- Granite Trading$11/mo
- 19 smaller merchants$96/mo
- Cornerstone Parking$102/mo
- Ironwood Rides$35/mo
- Northgate Travel$24/mo
- Northgate Kitchen$19/mo
- Riverside Parking$19/mo
- Lakeshore Lending$3/mo
- Birchwood Parking$1/mo
- Maple Rides$0/mo
- 2 smaller merchants$1/mo
- Thornfield Inn$129/mo
- Clearwater Lodge$43/mo
- Brookline Lodge$30/mo
- Stonebridge Lodge$22/mo
- Sagebrook Air$16/mo
- Belmont General Store$19/mo
- Greenfield Supply$3/mo
- Larkspur Clinic$13/mo
- Kingsley Physio$12/mo
- Sagebrook Barbers$5/mo
- Ironwood Gym$2/mo
- Parkside Salon$2/mo
Dining & drinks is 26% of everything optional. Measured over the last 6 months against the 12 before them.
Frequent spend · 2026
The names behind the biggest lines this year.
- Card Payment39 transactions · $503 avg$19.6K
- Northgate Mortgage Co7 transactions · $1,314 avg$9.2K
- Intl Family Transfer9 transactions · $836 avg$7.5K
- Willowmere Credit Union11 transactions · $456 avg$5K
- Ashford Auto Finance4 transactions · $1,090 avg$4.4K
- Oakhurst Preschool19 transactions · $146 avg$2.8K