Ben · August 2026

Total in

95,807.02

5 income sources

Total out

95,009.59

625 debits

Net on record

+797.43

not a balance — see caveats

Last payroll

Jun 2026

EDD + support since

August net

−4,730.11

$3,600 in, $11,330 out

The accounts

Checking carries everything. A Savings account exists but holds no rows.

Account coverage
Account	Txns	First	Last	Credits	Debits	Net
Checking	699	2026-01-05	2026-08-31	95,807.02	−95,009.59	797.43

The income cliff

Salary ran near $9,100 a month through April, spiked to $17,917 in May, then stopped. August closes the record here with $3,600 of unemployment against $11,330 of spending.

IncomeSpending

Dollars per calendar month, January to August. Spending excludes transfers between his own accounts.

Category totals by month

Rent nets to $15,007 through August after Cheryl's $1,500 of contributions to that point. July carries the $7,500 move-in payment.

All categories · Jan – Aug 2026
Category	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Total
Income	8,492.88	9,361.99	9,090.33	9,090.34	17,917.46	1,500.84	10,248.00	3,600.00	69,301.84
Rent	—	—	—	−1,000.00	−1,000.00	−1,050.00	−8,957.46	−3,000.00	−15,007.46
Food & Dining	−790.14	−1,858.18	−1,034.94	−1,575.12	−1,634.98	−894.15	−1,235.89	−995.46	−10,018.86
Health & Wellness	−538.49	−1,411.17	−1,116.07	−861.16	−985.21	−1,125.24	−2,104.17	−1,388.58	−9,530.09
Transportation	−59.35	−151.49	−525.16	−1,115.18	−404.70	−197.90	−4,403.17	−2,407.10	−9,264.05
Entertainment	−144.84	−357.98	−2,857.03	−1,782.75	−1,296.41	−561.02	−750.00	−600.00	−8,350.03
Travel	−388.19	−407.14	−313.96	−2,381.85	−41.20	—	—	−2,788.40	−6,320.74
Shopping · Amazon	—	−176.34	−939.20	−412.64	−828.48	−367.97	−635.18	−669.15	−4,028.96
Shopping	—	−1,607.82	−457.11	−152.56	−102.18	−478.01	−722.32	−136.10	−3,656.10
Subscriptions & Bills	—	—	—	−32.26	−746.27	−858.11	−604.27	−1,023.87	−3,264.78
Reimbursements	—	—	95.00	—	—	460.00	3,161.11	1,678.55	5,394.66
Savings & Transfers	−3,500.00	−2,000.00	−3,658.00	−390.00	−1,500.00	−1,910.00	5,500.00	3,000.00	−4,458.00

Rent and Subscriptions run net of Cheryl's share as recorded at 31 August.

Food & Dining, month by month

$10,019 gross across 152 transactions in eight months. Restaurants lead January to March, groceries from April.

GroceriesCash withdrawalsDeliveryCoffeeRestaurants & takeout

Composition per month, with the gross total above each bar.

Food & Dining breakdown
Kind	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Total	Txns
Groceries	−105.38	−376.79	−165.66	−701.55	−826.45	−808.30	−752.87	−580.29	−4,317.29	52
Cash withdrawals	−100.00	−400.00	−300.00	−500.00	−640.00	—	−240.00	—	−2,180.00	10
Delivery	−21.47	−72.04	—	—	—	—	—	—	−93.51	2
Coffee	−31.22	−96.75	−64.35	−7.31	—	−15.85	—	—	−215.48	21
Restaurants & takeout	−532.07	−912.60	−504.93	−366.26	−168.53	−70.00	−243.02	−415.17	−3,212.58	63
Total	−790.14	−1,858.18	−1,034.94	−1,575.12	−1,634.98	−894.15	−1,235.89	−995.46	−10,018.86	148

Cash withdrawals sit here by the ledger's own convention — $2,180 whose real use is unknown.

Where the money comes from

Income sources
Source	Count	Total
Homeward Health payroll	13	54,670.51
Zelle from Renee (support)	2	9,348.00
California EDD (unemployment)	6	4,950.00
Deposits	2	225.00
Other income	1	108.33

Homeward Health payroll ended in June. Two support payments from Renee had landed by 31 August; the third arrived 1 September and is outside this snapshot.

Moving between Cheryl and here

Cheryl · +1,649.17
Channel	Count	Total
Zelle	8	1,649.17

Eight Zelle rows from Cheryl by 31 August, totalling $1,649.17. Her September rent of $1,500 falls outside this snapshot.

Recurring commitments

Commitments as they stand now — the table records current state and has no history of when an item was activated.

Registered recurring transactions
Item	Cadence	Amount	Priority	State
Rent	monthly	−4,500.00	P0	active
T-Mobile	monthly	−322.38	P0	active
Bonanno Anderson	every 42 days	−290.00	P0	active
Zoranovich Chiropractic	every 84 days	−237.50	P0	active
Physical Therapy (provider B, ~every 3 weeks)	every 21 days	−235.00	P0	active
Physical Therapy (provider A, ~biweekly)	biweekly	−200.00	P0	active
USAA insurance	monthly	−188.89	P0	active
J Bodyworks	monthly	−175.00	P1	active
Cloudflare	annual	−160.00	P1	active
Discretionary	every 7 days	−150.00	P2	active
1Password	annual	−129.48	P1	active
PG&E	monthly	−104.94	P0	active
Anthropic	monthly	−100.00	P1	active
Comcast/Xfinity	monthly	−70.00	P0	active
Alto Pharmacy	monthly	−52.69	P0	active
Oura	monthly	−5.99	P1	active
Cheryl utility share	monthly	148.17	P0	active
Cheryl rent share	monthly	1,500.00	P0	active
Recurring Income	monthly	4,674.00	N/A	active
Way2Save Transfer	monthly	−1,000.00	P1	inactive
Google Cloud	monthly	−202.92	P1	inactive
Claude.ai	monthly	−20.00	P1	inactive

Read this with caveats

This snapshot is fixed

It records the position at 31 August 2026 and will not be revised. Later months are separate artifacts; the living ledger always shows current data.

Savings is invisible

The account exists but holds no transactions, so money returning from Way2Save reads as income into checking.

Recurring is not as-at

Unlike every other section, recurring commitments show today's state rather than 31 August, because activation history is not recorded.

What is solid

Zero uncategorised rows across all 699 in range.