Monthly Financial Report¶

Report: May 2026  |  vs. Apr 2026
Expenses: $-7,039.43  |  Income: $17,917.46  |  Net: $9,378.03

May 2026 total spending was $7,039 — down 25% from April's $9,433, almost entirely explained by the end of the Hawaii trip (Travel dropped from $2,468 to $41). Excluding travel, underlying expenses were essentially flat month-over-month. Income nearly doubled to $17,917, producing a net positive of +$9,378 vs. April's -$732.

Overview

May 2026Apr 2026MoM
Income$17,917.46$9,090.34▲ 97.1%
Savings & Transfers$-1,500.00$-390.00▼ 284.6%
Total Expenses$-7,039.43$-9,432.51▲ 25.4%
Net$9,378.03$-732.17
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Spending by Category

CategoryMay 2026Apr 2026Change
Rent$-1,000.00$-1,000.00▼ 0.0%
Food & Dining$-1,634.98$-1,575.12▼ 3.8%
Health & Wellness$-985.21$-861.16▼ 14.4%
Transportation$-404.70$-1,115.18▲ 63.7%
Shopping - Amazon$-828.48$-412.64▼ 100.8%
Shopping$-102.18$-185.50▲ 44.9%
Subscriptions & Bills$-746.27$-32.26▼ 2213.3%
Travel$-41.20$-2,467.90▲ 98.3%
Entertainment$-1,296.41$-1,782.75▲ 27.3%
Total$-7,039.43$-9,432.51▲ 25.4%
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Insights¶

  • The headline improvement is a one-time normalization, not a trend. Stripping out Travel, May's expenses (≈$6,998) were nearly identical to April's non-travel baseline (≈$6,965). The underlying run rate has not changed, and total spending of $7,039 is still 63% above the $4,308/mo required spend target.

  • Subscriptions & Bills jumped 23× — likely an annual charge. $746 in May vs. $32 in April is almost certainly an annual billing cycle (1Password or similar). This should be excluded from the monthly forecast average to avoid inflating the recurring baseline.

  • Amazon spending doubled. $828 vs. $413 in April. Worth running /enrich-amazon to see what was actually purchased, since Amazon is now the third-largest expense category after Food & Dining and Health & Wellness.

  • May's strong net is income-driven, not spending-driven. The +$9,378 net came from $17,917 in income — nearly double April's $9,090. If income normalizes, the net compresses quickly. Health & Wellness ($985) and Food & Dining ($1,635) remain the two largest controllable categories above the required spend floor.


Appendix: Transactions¶

69 transactions in May 2026

By Category

Rent $-1,000.00

DateDescriptionAmountPriorityTags
05/01ZELLE TO INSTITUTE OF HUMAN ABILITIES INC ON 05/01 REF …$-1,000.00P0—

Food & Dining $-1,634.98

DateDescriptionAmountPriorityTags
05/01PURCHASE AUTHORIZED ON …$-441.76P1—
05/06ATM WITHDRAWAL AUTHORIZED ON 05/06 23…$-200.00P2—
05/11PURCHASE AUTHORIZED ON …$-75.87P2—
05/12ATM WITHDRAWAL AUTHORIZED ON 05/12 53…$-200.00P2—
05/13PURCHASE AUTHORIZED ON …$-176.75P1—
05/18ATM WITHDRAWAL AUTHORIZED ON 05/17 14…$-240.00P2—
05/22PURCHASE AUTHORIZED ON …$-109.25P1—
05/26PURCHASE AUTHORIZED ON …$-92.66P2—
05/27PURCHASE AUTHORIZED ON …$-98.69P1—

Health & Wellness $-985.21

DateDescriptionAmountPriorityTags
05/06RECURRING PAYMENT AUTHORIZED ON …$-200.00P0—
05/11RECURRING PAYMENT AUTHORIZED ON …$-290.00P0—
05/11PURCHASE AUTHORIZED ON …$-60.21P0—
05/13RECURRING PAYMENT AUTHORIZED ON …$-235.00P0—
05/18RECURRING PAYMENT AUTHORIZED ON …$-200.00P0—

Transportation $-404.70

DateDescriptionAmountPriorityTags
05/01PURCHASE AUTHORIZED ON …$-75.00P1—
05/01PURCHASE AUTHORIZED ON …$-16.24P1—
05/11PURCHASE AUTHORIZED ON …$-6.00P1—
05/11PURCHASE AUTHORIZED ON …$-10.00P1—
05/11PURCHASE AUTHORIZED ON …$-10.00P1—
05/11PURCHASE AUTHORIZED ON …$-2.27P1—
05/11PURCHASE AUTHORIZED ON …$-99.59P1—
05/15PURCHASE AUTHORIZED ON …$-28.85P1—
05/15PURCHASE AUTHORIZED ON …$-25.21P1—
05/20PURCHASE AUTHORIZED ON …$-27.70P1—
05/22PURCHASE AUTHORIZED ON …$-20.00P1—
05/26PURCHASE AUTHORIZED ON …$-83.84P1—

Shopping - Amazon $-828.48

DateDescriptionAmountPriorityTags
05/01PURCHASE AUTHORIZED ON …$-58.72P1—
05/01PURCHASE AUTHORIZED ON …$-22.45P1—
05/04PURCHASE AUTHORIZED ON …$-10.00P1—
05/08PURCHASE AUTHORIZED ON …$-88.60P1—
05/11PURCHASE AUTHORIZED ON …$-47.97P1—
05/12PURCHASE AUTHORIZED ON …$-31.00P1—
05/12PURCHASE AUTHORIZED ON …$-14.88P1—
05/13PURCHASE AUTHORIZED ON …$-38.02P1—
05/13PURCHASE AUTHORIZED ON …$-76.03P1—
05/14PURCHASE AUTHORIZED ON …$-212.90P1—
05/14PURCHASE AUTHORIZED ON …$-13.02P1—
05/15PURCHASE AUTHORIZED ON …$-27.15P1—
05/15PURCHASE AUTHORIZED ON …$-38.01P1—
05/15PURCHASE AUTHORIZED ON …$-14.88P1—
05/20PURCHASE AUTHORIZED ON …$-10.83P1—
05/20PURCHASE AUTHORIZED ON …$-14.87P1—
05/26PURCHASE AUTHORIZED ON …$-29.61P1—
05/26PURCHASE AUTHORIZED ON …$-20.15P1—
05/27PURCHASE AUTHORIZED ON …$-26.29P1—
05/27PURCHASE AUTHORIZED ON …$-33.10P1—

Shopping $-102.18

DateDescriptionAmountPriorityTags
05/01PURCHASE AUTHORIZED ON …$-28.78P3—
05/01PURCHASE AUTHORIZED ON …$-31.52P3—
05/01PURCHASE AUTHORIZED ON …$-6.01P3—
05/26PURCHASE AUTHORIZED ON …$-35.87P3—

Subscriptions & Bills $-746.27

DateDescriptionAmountPriorityTags
05/01PURCHASE AUTHORIZED ON …$-50.00P0—
05/04RECURRING PAYMENT AUTHORIZED ON …$-64.41P0—
05/08PURCHASE AUTHORIZED ON …$-322.38P0—
05/14RECURRING PAYMENT AUTHORIZED ON …$-129.48P0—
05/22RECURRING PAYMENT AUTHORIZED ON …$-160.00P0—
05/29RECURRING PAYMENT AUTHORIZED ON …$-20.00P0—

Travel $-41.20

DateDescriptionAmountPriorityTags
05/01PURCHASE AUTHORIZED ON …$-41.20P3—

Entertainment $-1,296.41

DateDescriptionAmountPriorityTags
05/12MONEY TRANSFER AUTHORIZED ON …$-1,000.00P2—
05/12MONEY TRANSFER AUTHORIZED ON …$-200.00P2—
05/12MONEY TRANSFER AUTHORIZED ON …$-50.00P2—
05/26PURCHASE AUTHORIZED ON …$-28.10P3—
05/26PURCHASE AUTHORIZED ON …$-18.31P3—

Income $17,917.46

DateDescriptionAmountPriorityTags
05/05WT FED#02M04 JPMORGAN CHASE BAN /ORG=HOMEWARD HEALTH…$5,307.36P1—
05/15HOMEWARD HEALTH, PAYROLL 260515 00010950782 DROL…$12,610.10P1—

Savings & Transfers $-1,500.00

DateDescriptionAmountPriorityTags
05/05VENMO CASHOUT 260505 1050079609571 BENJ…$300.00P1—
05/08RECURRING TRANSFER TO DROLET B REF #OP0XZ8WSSR WAY2SAVE…$-1,000.00P1—
05/11VENMO CASHOUT 260510 1050209805990 BENJ…$200.00P1—
05/22RECURRING TRANSFER TO DROLET B REF #OP0Y6T2Z6W WAY2SAVE…$-1,000.00P1—

By Priority

P0 $-2,731.48

DateDescriptionAmountCategoryTags
05/01ZELLE TO INSTITUTE OF HUMAN ABILITIES INC ON 05/01 REF …$-1,000.00Rent—
05/01PURCHASE AUTHORIZED ON …$-50.00Subscriptions & Bills—
05/04RECURRING PAYMENT AUTHORIZED ON …$-64.41Subscriptions & Bills—
05/06RECURRING PAYMENT AUTHORIZED ON …$-200.00Health & Wellness—
05/08PURCHASE AUTHORIZED ON …$-322.38Subscriptions & Bills—
05/11RECURRING PAYMENT AUTHORIZED ON …$-290.00Health & Wellness—
05/11PURCHASE AUTHORIZED ON …$-60.21Health & Wellness—
05/13RECURRING PAYMENT AUTHORIZED ON …$-235.00Health & Wellness—
05/14RECURRING PAYMENT AUTHORIZED ON …$-129.48Subscriptions & Bills—
05/18RECURRING PAYMENT AUTHORIZED ON …$-200.00Health & Wellness—
05/22RECURRING PAYMENT AUTHORIZED ON …$-160.00Subscriptions & Bills—
05/29RECURRING PAYMENT AUTHORIZED ON …$-20.00Subscriptions & Bills—

P1 $14,357.83

DateDescriptionAmountCategoryTags
05/01PURCHASE AUTHORIZED ON …$-75.00Transportation—
05/01PURCHASE AUTHORIZED ON …$-16.24Transportation—
05/01PURCHASE AUTHORIZED ON …$-441.76Food & Dining—
05/01PURCHASE AUTHORIZED ON …$-58.72Shopping - Amazon—
05/01PURCHASE AUTHORIZED ON …$-22.45Shopping - Amazon—
05/04PURCHASE AUTHORIZED ON …$-10.00Shopping - Amazon—
05/05WT FED#02M04 JPMORGAN CHASE BAN /ORG=HOMEWARD HEALTH…$5,307.36Income—
05/05VENMO CASHOUT 260505 1050079609571 BENJ…$300.00Savings & Transfers—
05/08PURCHASE AUTHORIZED ON …$-88.60Shopping - Amazon—
05/08RECURRING TRANSFER TO DROLET B REF #OP0XZ8WSSR WAY2SAVE…$-1,000.00Savings & Transfers—
05/11PURCHASE AUTHORIZED ON …$-6.00Transportation—
05/11VENMO CASHOUT 260510 1050209805990 BENJ…$200.00Savings & Transfers—
05/11PURCHASE AUTHORIZED ON …$-10.00Transportation—
05/11PURCHASE AUTHORIZED ON …$-10.00Transportation—
05/11PURCHASE AUTHORIZED ON …$-47.97Shopping - Amazon—
05/11PURCHASE AUTHORIZED ON …$-2.27Transportation—
05/11PURCHASE AUTHORIZED ON …$-99.59Transportation—
05/12PURCHASE AUTHORIZED ON …$-31.00Shopping - Amazon—
05/12PURCHASE AUTHORIZED ON …$-14.88Shopping - Amazon—
05/13PURCHASE AUTHORIZED ON …$-38.02Shopping - Amazon—
05/13PURCHASE AUTHORIZED ON …$-76.03Shopping - Amazon—
05/13PURCHASE AUTHORIZED ON …$-176.75Food & Dining—
05/14PURCHASE AUTHORIZED ON …$-212.90Shopping - Amazon—
05/14PURCHASE AUTHORIZED ON …$-13.02Shopping - Amazon—
05/15PURCHASE AUTHORIZED ON …$-27.15Shopping - Amazon—
05/15HOMEWARD HEALTH, PAYROLL 260515 00010950782 DROL…$12,610.10Income—
05/15PURCHASE AUTHORIZED ON …$-28.85Transportation—
05/15PURCHASE AUTHORIZED ON …$-38.01Shopping - Amazon—
05/15PURCHASE AUTHORIZED ON …$-25.21Transportation—
05/15PURCHASE AUTHORIZED ON …$-14.88Shopping - Amazon—
05/20PURCHASE AUTHORIZED ON …$-10.83Shopping - Amazon—
05/20PURCHASE AUTHORIZED ON …$-14.87Shopping - Amazon—
05/20PURCHASE AUTHORIZED ON …$-27.70Transportation—
05/22PURCHASE AUTHORIZED ON …$-20.00Transportation—
05/22PURCHASE AUTHORIZED ON …$-109.25Food & Dining—
05/22RECURRING TRANSFER TO DROLET B REF #OP0Y6T2Z6W WAY2SAVE…$-1,000.00Savings & Transfers—
05/26PURCHASE AUTHORIZED ON …$-29.61Shopping - Amazon—
05/26PURCHASE AUTHORIZED ON …$-20.15Shopping - Amazon—
05/26PURCHASE AUTHORIZED ON …$-83.84Transportation—
05/27PURCHASE AUTHORIZED ON …$-26.29Shopping - Amazon—
05/27PURCHASE AUTHORIZED ON …$-98.69Food & Dining—
05/27PURCHASE AUTHORIZED ON …$-33.10Shopping - Amazon—

P2 $-2,058.53

DateDescriptionAmountCategoryTags
05/06ATM WITHDRAWAL AUTHORIZED ON 05/06 23…$-200.00Food & Dining—
05/11PURCHASE AUTHORIZED ON …$-75.87Food & Dining—
05/12ATM WITHDRAWAL AUTHORIZED ON 05/12 53…$-200.00Food & Dining—
05/12MONEY TRANSFER AUTHORIZED ON …$-1,000.00Entertainment—
05/12MONEY TRANSFER AUTHORIZED ON …$-200.00Entertainment—
05/12MONEY TRANSFER AUTHORIZED ON …$-50.00Entertainment—
05/18ATM WITHDRAWAL AUTHORIZED ON 05/17 14…$-240.00Food & Dining—
05/26PURCHASE AUTHORIZED ON …$-92.66Food & Dining—

P3 $-189.79

DateDescriptionAmountCategoryTags
05/01PURCHASE AUTHORIZED ON …$-41.20Travel—
05/01PURCHASE AUTHORIZED ON …$-28.78Shopping—
05/01PURCHASE AUTHORIZED ON …$-31.52Shopping—
05/01PURCHASE AUTHORIZED ON …$-6.01Shopping—
05/26PURCHASE AUTHORIZED ON …$-28.10Entertainment—
05/26PURCHASE AUTHORIZED ON …$-18.31Entertainment—
05/26PURCHASE AUTHORIZED ON …$-35.87Shopping—

By Tag

Untagged $9,378.03

DateDescriptionAmountCategoryTags
05/01ZELLE TO INSTITUTE OF HUMAN ABILITIES INC ON 05/01 REF …$-1,000.00Rent—
05/01PURCHASE AUTHORIZED ON …$-41.20Travel—
05/01PURCHASE AUTHORIZED ON …$-75.00Transportation—
05/01PURCHASE AUTHORIZED ON …$-16.24Transportation—
05/01PURCHASE AUTHORIZED ON …$-441.76Food & Dining—
05/01PURCHASE AUTHORIZED ON …$-58.72Shopping - Amazon—
05/01PURCHASE AUTHORIZED ON …$-22.45Shopping - Amazon—
05/01PURCHASE AUTHORIZED ON …$-50.00Subscriptions & Bills—
05/01PURCHASE AUTHORIZED ON …$-28.78Shopping—
05/01PURCHASE AUTHORIZED ON …$-31.52Shopping—
05/01PURCHASE AUTHORIZED ON …$-6.01Shopping—
05/04PURCHASE AUTHORIZED ON …$-10.00Shopping - Amazon—
05/04RECURRING PAYMENT AUTHORIZED ON …$-64.41Subscriptions & Bills—
05/05WT FED#02M04 JPMORGAN CHASE BAN /ORG=HOMEWARD HEALTH…$5,307.36Income—
05/05VENMO CASHOUT 260505 1050079609571 BENJ…$300.00Savings & Transfers—
05/06RECURRING PAYMENT AUTHORIZED ON …$-200.00Health & Wellness—
05/06ATM WITHDRAWAL AUTHORIZED ON 05/06 23…$-200.00Food & Dining—
05/08PURCHASE AUTHORIZED ON …$-322.38Subscriptions & Bills—
05/08PURCHASE AUTHORIZED ON …$-88.60Shopping - Amazon—
05/08RECURRING TRANSFER TO DROLET B REF #OP0XZ8WSSR WAY2SAVE…$-1,000.00Savings & Transfers—
05/11PURCHASE AUTHORIZED ON …$-6.00Transportation—
05/11VENMO CASHOUT 260510 1050209805990 BENJ…$200.00Savings & Transfers—
05/11PURCHASE AUTHORIZED ON …$-10.00Transportation—
05/11PURCHASE AUTHORIZED ON …$-10.00Transportation—
05/11RECURRING PAYMENT AUTHORIZED ON …$-290.00Health & Wellness—
05/11PURCHASE AUTHORIZED ON …$-75.87Food & Dining—
05/11PURCHASE AUTHORIZED ON …$-47.97Shopping - Amazon—
05/11PURCHASE AUTHORIZED ON …$-2.27Transportation—
05/11PURCHASE AUTHORIZED ON …$-99.59Transportation—
05/11PURCHASE AUTHORIZED ON …$-60.21Health & Wellness—
05/12PURCHASE AUTHORIZED ON …$-31.00Shopping - Amazon—
05/12ATM WITHDRAWAL AUTHORIZED ON 05/12 53…$-200.00Food & Dining—
05/12PURCHASE AUTHORIZED ON …$-14.88Shopping - Amazon—
05/12MONEY TRANSFER AUTHORIZED ON …$-1,000.00Entertainment—
05/12MONEY TRANSFER AUTHORIZED ON …$-200.00Entertainment—
05/12MONEY TRANSFER AUTHORIZED ON …$-50.00Entertainment—
05/13PURCHASE AUTHORIZED ON …$-38.02Shopping - Amazon—
05/13PURCHASE AUTHORIZED ON …$-76.03Shopping - Amazon—
05/13PURCHASE AUTHORIZED ON …$-176.75Food & Dining—
05/13RECURRING PAYMENT AUTHORIZED ON …$-235.00Health & Wellness—
05/14PURCHASE AUTHORIZED ON …$-212.90Shopping - Amazon—
05/14PURCHASE AUTHORIZED ON …$-13.02Shopping - Amazon—
05/14RECURRING PAYMENT AUTHORIZED ON …$-129.48Subscriptions & Bills—
05/15PURCHASE AUTHORIZED ON …$-27.15Shopping - Amazon—
05/15HOMEWARD HEALTH, PAYROLL 260515 00010950782 DROL…$12,610.10Income—
05/15PURCHASE AUTHORIZED ON …$-28.85Transportation—
05/15PURCHASE AUTHORIZED ON …$-38.01Shopping - Amazon—
05/15PURCHASE AUTHORIZED ON …$-25.21Transportation—
05/15PURCHASE AUTHORIZED ON …$-14.88Shopping - Amazon—
05/18RECURRING PAYMENT AUTHORIZED ON …$-200.00Health & Wellness—
05/18ATM WITHDRAWAL AUTHORIZED ON 05/17 14…$-240.00Food & Dining—
05/20PURCHASE AUTHORIZED ON …$-10.83Shopping - Amazon—
05/20PURCHASE AUTHORIZED ON …$-14.87Shopping - Amazon—
05/20PURCHASE AUTHORIZED ON …$-27.70Transportation—
05/22RECURRING PAYMENT AUTHORIZED ON …$-160.00Subscriptions & Bills—
05/22PURCHASE AUTHORIZED ON …$-20.00Transportation—
05/22PURCHASE AUTHORIZED ON …$-109.25Food & Dining—
05/22RECURRING TRANSFER TO DROLET B REF #OP0Y6T2Z6W WAY2SAVE…$-1,000.00Savings & Transfers—
05/26PURCHASE AUTHORIZED ON …$-92.66Food & Dining—
05/26PURCHASE AUTHORIZED ON …$-29.61Shopping - Amazon—
05/26PURCHASE AUTHORIZED ON …$-20.15Shopping - Amazon—
05/26PURCHASE AUTHORIZED ON …$-83.84Transportation—
05/26PURCHASE AUTHORIZED ON …$-28.10Entertainment—
05/26PURCHASE AUTHORIZED ON …$-18.31Entertainment—
05/26PURCHASE AUTHORIZED ON …$-35.87Shopping—
05/27PURCHASE AUTHORIZED ON …$-26.29Shopping - Amazon—
05/27PURCHASE AUTHORIZED ON …$-98.69Food & Dining—
05/27PURCHASE AUTHORIZED ON …$-33.10Shopping - Amazon—
05/29RECURRING PAYMENT AUTHORIZED ON …$-20.00Subscriptions & Bills—