Wells Fargo · Checking + Savings · Household ledger

Ben's Ledger

Ten months on record — 840 transactions from 5 January to 6 October 2026.

840 transactions 2026-01-05 → 2026-10-06 source: Checking and Savings exports, downloaded 7 Oct 2026 0 uncategorised
Total in
125,215.68
6 income sources
Total out
125,879.18
734 debits
Net on record
−663.50
not a balance — see caveats
Current balance
3,770.55
Checking 3,270.29 + Savings 500.26, 7 Oct
September net
−1,322.76
6,474.01 in, 7,856.70 out
Last payroll
May 2026
EDD + support since

The accounts

Savings is on the ledger for the first time: 15 rows from 14 July. Most of its movement is transfers to and from Checking, which net out of spending.

Account coverage
AccountTxnsFirstLastCreditsDebitsNet
Checking8252026-01-052026-10-06116,715.56−112,879.183,836.38
Savings152026-07-142026-09-308,500.12−13,000.00−4,499.88
All8402026-01-052026-10-06125,215.68−125,879.18−663.50

The income cliff

Payroll ran at ≈$9,090/month through April and ended in May. Since then income has been California EDD and support from Renee, $4,674 a month.

IncomeSpending
0 5,000 10,000 15,000 20,000 Jan income: $8,492.88 Jan spending: $1,921.01 Jan Feb income: $9,361.99 Feb spending: $5,970.12 Feb Mar income: $9,090.33 Mar spending: $7,148.47 Mar Apr income: $9,090.34 Apr spending: $9,313.52 Apr May income: $17,917.46 May spending: $7,039.43 May Jun income: $1,500.84 Jun spending: $5,072.40 Jun Jul income: $14,748.06 Jul spending: $16,251.35 Jul Aug income: $3,600.05 Aug spending: $11,330.11 Aug Sep income: $6,474.01 Sep spending: $7,856.70 Sep Oct income: $4,674.00 Oct spending: $4,312.28 Oct
Dollars per calendar month. October covers six days.

Category totals by month

September spending was $7,857, down from $11,330 in August. Rent nets to $3,149 after Cheryl's share.

All categories · Jan – Oct 2026
CategoryJanFebMarAprMayJunJulAugSepOctTotal
Income8,492.889,361.999,090.339,090.3417,917.461,500.8414,748.063,600.056,474.014,674.0084,949.96
Rent———−1,000.00−1,000.00−1,050.00−8,861.92−3,000.00−3,149.26−3,146.22−21,207.40
Health & Wellness−538.49−1,411.17−1,116.07−861.16−985.21−1,065.24−2,104.17−1,388.58−1,181.49−86.20−10,737.78
Food & Dining−790.14−1,858.18−1,034.94−1,575.12−1,634.98−894.15−899.29−915.42−390.48−41.87−10,034.57
Entertainment−144.84−357.98−2,857.03−1,782.75−1,296.41−561.02−750.00−600.00−421.36−150.00−8,921.39
Travel−388.19−407.14−313.96−2,381.85−41.20——−2,788.40−188.00—−6,508.74
Transportation−59.35−151.49−525.16−1,115.18−404.70−197.90−1,675.20−883.54−724.72−721.70−6,458.94
Shopping · Amazon—−176.34−939.20−412.64−828.48−367.97−635.18−594.20−655.98−27.97−4,637.96
Subscriptions & Bills———−32.26−746.27−858.11−604.27−1,023.87−1,202.09−138.32−4,605.19
Shopping—−1,607.82−457.11−152.56−102.18−478.01−722.32−136.1020.98—−3,635.12
Legal————————−522.50—−522.50
Reimbursements——95.00——400.001.00—558.20—1,054.20
Savings & Transfers−3,500.00−2,000.00−3,658.00−390.00−1,500.00−1,910.003,500.00—59.93—−9,398.07
Rent and Subscriptions run net of contributions from the other owner. Legal is new this month.

Food & Dining, month by month

$10,035 across the record; September was $390, mostly groceries.

GroceriesCash withdrawalsDeliveryCoffeeRestaurants & takeout
0 500 1,000 1,500 2,000 Groceries: $105.38 Cash withdrawals: $100.00 Delivery: $21.47 Coffee: $31.22 Restaurants & takeout: $532.07 $790 Jan Groceries: $376.79 Cash withdrawals: $400.00 Delivery: $72.04 Coffee: $96.75 Restaurants & takeout: $912.60 $1,858 Feb Groceries: $165.66 Cash withdrawals: $300.00 Coffee: $64.35 Restaurants & takeout: $504.93 $1,035 Mar Groceries: $701.55 Cash withdrawals: $500.00 Coffee: $7.31 Restaurants & takeout: $366.26 $1,575 Apr Groceries: $826.45 Cash withdrawals: $640.00 Restaurants & takeout: $168.53 $1,635 May Groceries: $808.30 Coffee: $15.85 Restaurants & takeout: $70.00 $894 Jun Groceries: $752.87 Cash withdrawals: $240.00 Restaurants & takeout: $243.02 $1,236 Jul Groceries: $580.29 Restaurants & takeout: $415.17 $995 Aug Groceries: $305.76 Cash withdrawals: $40.00 Restaurants & takeout: $115.95 $462 Sep Restaurants & takeout: $41.87 $42 Oct
Composition per month, with the gross total above each bar.
Food & Dining breakdown
KindJanFebMarAprMayJunJulAugSepOctTotalTxns
Groceries−105.38−376.79−165.66−701.55−826.45−808.30−752.87−580.29−305.76—−4,623.0560
Cash withdrawals−100.00−400.00−300.00−500.00−640.00—−240.00—−40.00—−2,220.0011
Delivery−21.47−72.04————————−93.512
Coffee−31.22−96.75−64.35−7.31—−15.85————−215.4821
Restaurants & takeout−532.07−912.60−504.93−366.26−168.53−70.00−243.02−415.17−115.95−41.87−3,370.4069
Total−790.14−1,858.18−1,034.94−1,575.12−1,634.98−894.15−1,235.89−995.46−461.71−41.87−10,522.44163
Cash withdrawals sit here by convention; their real use is unknown.

Where the money comes from

Income sources
SourceCountTotal
Homeward Health payroll1354,670.51
Zelle from Renee (support)418,696.00
California EDD (unemployment)86,750.00
Deposits34,725.00
Other income1108.33
Savings interest30.12

Homeward Health payroll accounts for $54,671 across 13 payments and ended in May. Renee's support is $18,696 across four payments.

Moving between Cheryl and here

Cheryl · +4,793.34
ChannelCountTotal
Zelle144,793.34

Fourteen Zelle rows from Cheryl, $4,793.34, all tagged internal-transfer.

Recurring commitments

Nineteen active commitments. Several configured amounts have drifted from what was actually charged in September and are due a review.

Registered recurring transactions
ItemCadenceAmountPriorityState
Rentmonthly−4,500.00P0active
Bonanno Andersonevery 42 days−290.00P0active
T-Mobilemonthly−271.81P0active
Zoranovich Chiropracticevery 84 days−237.50P0active
Physical Therapy (provider B, ~every 3 weeks)every 21 days−235.00P0active
Physical Therapy (provider A, ~biweekly)biweekly−200.00P0active
USAA insurancemonthly−187.13P0active
J Bodyworksmonthly−175.00P1active
Cloudflareannual−160.00P1active
1Passwordannual−129.48P1active
PG&Emonthly−104.94P0active
Anthropicmonthly−100.00P1active
Discretionaryevery 7 days−75.00P2active
Comcast/Xfinitymonthly−70.00P0active
Alto Pharmacymonthly−52.69P0active
Ouramonthly−5.99P1active
Jon T-Mobile sharemonthly37.02P0active
Renee T-Mobile sharemonthly48.38P0active
Renee USAA car insurance sharemonthly146.00P0active
Cheryl utility sharemonthly148.17P0active
Cheryl rent sharemonthly1,500.00P0active
Recurring Incomemonthly4,674.00N/Aactive
Way2Save Transfermonthly−1,000.00P1inactive
Google Cloudmonthly−202.92P1inactive
Claude.aimonthly−20.00P1inactive

Monthly reports

This page always shows current data. Each month below is a dated snapshot, published once and never revised.

Archived monthly reports
MonthPublishedSummarySnapshot
September 20262026-10-07Read the September 2026 summary →Open the September 2026 ledger →
August 20262026-09-09—Open the August 2026 ledger →

Read this with caveats

Savings history is short

ben/Savings was exported for the first time this close and only goes back to 14 July. Earlier months show Checking alone.

Pass-throughs net to zero

Money received and forwarded the same day, such as the $675 sent on to Venmo on 10 September, is filed as a transfer on both sides rather than as a reimbursement.

Amazon not yet enriched

Amazon charges carry no item detail for September yet.

What is solid

Zero uncategorised rows across all 840 transactions, and a balance snapshot for both accounts dated 7 October.