Wells Fargo · Checking 7710 & Savings · Snapshot at 31 August 2026

Cheryl · August 2026

The ledger as it stood at the close of August — 451 transactions across two accounts, from the first savings deposit in March.

451 transactions 2026-03-02 → 2026-08-31 snapshot: cut at 2026-08-31 0 uncategorised
Total in
30,922.74
3 income sources
Total out
29,285.16
415 debits
Net on record
+1,637.58
not a balance — see caveats
Monthly pay
5,262
two cheques, biweekly
Paid to Ben
4,072.67
Venmo and Zelle to 31 Aug

The accounts

Checking carries almost everything. Savings holds 16 rows in six months — the monthly $25 auto-transfer, interest, and three Zelles from Marshall Stone.

Account coverage
AccountTxnsFirstLastCreditsDebitsNet
Checking4352026-04-012026-08-3126,683.46−29,285.16−2,601.70
Savings162026-03-022026-08-314,239.28—4,239.28
All4512026-03-022026-08-3130,922.74−29,285.161,637.58

Income against spending

July runs hot on both sides at once — $9,600 in against $8,021 out, the month of the move. August lands almost exactly level at $4,734 in and $4,681 out.

IncomeSpending
0 2,500 5,000 7,500 10,000 Mar income: $907.03 Mar Apr income: $4,524.67 Apr spending: $4,604.86 Apr May income: $5,217.35 May spending: $3,769.35 May Jun income: $5,390.62 Jun spending: $4,060.87 Jun Jul income: $9,600.43 Jul spending: $8,020.97 Jul Aug income: $4,733.64 Aug spending: $4,681.11 Aug
Dollars per calendar month, March to August. Spending excludes transfers between her own accounts. March has income only.

Category totals by month

Rent steps from $1,000 to Lori up to $1,500 to Ben from August. The $4,630 of July reimbursements is almost entirely one cashed cheque.

All categories · Mar – Aug 2026
CategoryMarAprMayJunJulAugTotal
Income907.034,524.675,217.355,390.629,600.434,733.6430,373.74
Reimbursements—−1,888.50−233.00−105.00−4,630.00−68.00−6,924.50
Food & Dining—−777.41−1,163.37−1,566.17−1,385.26−1,504.54−6,396.75
Rent—−1,000.00−1,050.00−1,050.00−1,000.00−1,500.00−5,600.00
Shopping · Amazon—−240.01−396.96−322.15−452.65−231.53−1,643.30
Transportation—−111.34−169.79−266.58−99.89−395.98−1,043.58
Health & Wellness——−102.00−597.34−9.22−171.25−879.81
Travel—−353.33−276.00−70.00—−144.06−843.39
Entertainment—−157.14−252.17—−208.08−141.91−759.30
Subscriptions & Bills—−77.13−77.14−83.63−75.64−379.25−692.79
Shopping——−48.92—−160.23−144.59−353.74
Savings & Transfers50.00−1,669.00−1,667.00−346.00−67.00100.00−3,599.00
Savings & Transfers is greyed because it is money moved, not earned or spent.

Food & Dining, month by month

Her largest discretionary category at $6,397 through August. Restaurants outweigh groceries in every month except July.

GroceriesCash withdrawalsDeliveryCoffeeRestaurants & takeout
0 500 1,000 1,500 2,000 Groceries: $303.31 Delivery: $133.40 Restaurants & takeout: $340.70 $777 Apr Groceries: $290.55 Delivery: $154.96 Coffee: $93.50 Restaurants & takeout: $624.36 $1,163 May Groceries: $723.94 Delivery: $20.89 Coffee: $7.00 Restaurants & takeout: $814.34 $1,566 Jun Groceries: $609.82 Cash withdrawals: $113.90 Restaurants & takeout: $661.54 $1,385 Jul Groceries: $550.93 Cash withdrawals: $200.00 Restaurants & takeout: $753.61 $1,505 Aug
Composition per month, with the month total above each bar. March has no food rows.
Food & Dining breakdown
KindAprMayJunJulAugTotalTxns
Groceries−303.31−290.55−723.94−609.82−550.93−2,478.5547
Cash withdrawals———−113.90−200.00−313.905
Delivery−133.40−154.96−20.89——−309.259
Coffee—−93.50−7.00——−100.506
Restaurants & takeout−340.70−624.36−814.34−661.54−753.61−3,194.55103
Total−777.41−1,163.37−1,566.17−1,385.26−1,504.54−6,396.75170
Cash withdrawals sit in this category by the ledger's own convention — the underlying spend is unknown. Delivery and coffee both stop after June.

Where the money comes from

Income sources
SourceCountTotal
EN Engineering payroll1226,309.46
Zelle from Marshall Stone34,064.00
Savings interest60.28

Biweekly from EN Engineering, currently $2,366.79 — up from $2,262.31 through April.

Moving between Ben and here

Ben · −4,072.67
ChannelCountTotal
Venmo21−2,422.50
Zelle9−1,650.17

Nine Zelle rows to Ben by 31 August, tagged internal-transfer and pairing one-to-one with rows in his account. The Venmo payments land in his Venmo balance and never pair. The $4,500 cashed cheque of 20 July names no counterparty and so is not detected here.

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
ItemCadenceAmountPriorityState
Amazon Prime membershipannual−153.94P2active
Crunch gym membershipmonthly−59.00P0active
National General auto insurancemonthly−47.17P0active
Way2Save auto-transfer (out of Checking)monthly−25.00P2active
YouTube Premiummonthly−15.99P2active
Prime Video Channelsmonthly−11.19P2active
Oura Ring membershipmonthly−5.99P0active
Google Onemonthly−1.99P2active
Way2Save auto-transfer (into Savings)monthly25.00P2active
Rent to Lori (pre-move)monthly−1,000.00P0inactive

Read this with caveats

This snapshot is fixed

It records the position at 31 August 2026 and will not be revised. Her September rent to Ben and the following month's spending are outside it.

Cash is untraceable

Withdrawals sit in Food & Dining by convention. Their real use is unknown and could belong to any category.

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 451 in range. Both accounts carry balance snapshots.