Wells Fargo · Checking + Savings · Household ledger

Cheryl's Ledger

Eight months on record — 548 transactions from 2 March to 7 October 2026.

548 transactions 2026-03-02 → 2026-10-07 source: Checking and Savings exports, downloaded 8 Oct 2026 0 uncategorised
Total in
37,019.76
3 income sources
Total out
35,222.62
504 debits
Net on record
+1,797.14
not a balance — see caveats
Current balance
17,984.81
Checking 9,846.18 + Savings 8,138.63, 8 Oct
September net
+1,062.34
4,733.64 in, 3,598.30 out

The accounts

Checking carries day-to-day spending; Savings takes a $25 monthly transfer and interest.

Account coverage
AccountTxnsFirstLastCreditsDebitsNet
Checking5302026-04-012026-10-0732,755.41−35,222.62−2,467.21
Savings182026-03-022026-09-304,264.35—4,264.35
All5482026-03-022026-10-0737,019.76−35,222.621,797.14

Steady payroll

EN Engineering payroll lands twice a month at ≈$2,367. September income was $4,733.64 against $3,598.30 of spending.

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 Sep income: $4,733.64 Sep spending: $3,598.30 Sep Oct income: $1,313.43 Oct spending: $2,236.21 Oct
Dollars per calendar month. October covers seven days; Checking history starts 1 April.

Category totals by month

September spending fell to $3,598 from $4,681 in August. Rent to Ben was $1,500; travel was $557, the Ohio rental car and a night in San Jose.

All categories · Mar – Oct 2026
CategoryMarAprMayJunJulAugSepOctTotal
Income907.034,524.675,217.355,390.629,600.434,733.644,733.641,313.4336,420.81
Rent—−1,000.00−1,050.00−1,050.00−1,000.00−1,500.00−1,500.00−1,500.00−8,600.00
Food & Dining—−777.41−1,163.37−1,566.17−1,385.26−1,504.54−778.77−384.58−7,560.10
Reimbursements—−1,888.50−233.00−105.00−4,630.00−68.00−34.00−20.00−6,978.50
Shopping · Amazon—−240.01−396.96−322.15−452.65−231.53−247.00−105.96−1,996.26
Travel—−353.33−276.00−70.00—−144.06−556.91—−1,400.30
Transportation—−111.34−169.79−266.58−99.89−395.98−132.14−36.34−1,212.06
Health & Wellness——−102.00−597.34−9.22−171.25−88.09−59.00−1,026.90
Subscriptions & Bills—−77.13−77.14−83.63−75.64−379.25−134.65−130.33−957.77
Entertainment—−157.14−252.17—−208.08−141.91−90.52—−849.82
Shopping——−48.92—−160.23−144.59−36.22—−389.96
Savings & Transfers50.00−1,669.00−1,667.00−346.00−67.00100.00−73.0020.00−3,652.00
Reimbursements here are Cheryl's payments to Ben for shared bills.

Food & Dining, month by month

$7,560 across the record; September was $779, split about evenly between restaurants and groceries.

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 Groceries: $360.63 Cash withdrawals: $40.00 Restaurants & takeout: $378.14 $779 Sep Groceries: $164.10 Restaurants & takeout: $225.43 $390 Oct
Composition per month, with the gross total above each bar.
Food & Dining breakdown
KindAprMayJunJulAugSepOctTotalTxns
Groceries−303.31−290.55−723.94−609.82−550.93−360.63−164.10−3,003.2855
Cash withdrawals———−113.90−200.00−40.00—−353.906
Delivery−133.40−154.96−20.89————−309.259
Coffee—−93.50−7.00————−100.506
Restaurants & takeout−340.70−624.36−814.34−661.54−753.61−378.14−225.43−3,798.12125
Total−777.41−1,163.37−1,566.17−1,385.26−1,504.54−778.77−389.53−7,565.05201
Cash withdrawals sit here by convention; their real use is unknown.

Where the money comes from

Income sources
SourceCountTotal
EN Engineering payroll1532,356.46
Zelle from Marshall Stone34,064.00
Savings interest70.35

EN Engineering payroll accounts for $32,356 across 15 payments.

Moving between Ben and here

Ben · −7,236.84
ChannelCountTotal
Zelle15−4,794.34
Venmo22−2,442.50

Fifteen Zelle rows to Ben ($4,794.34) are tagged internal-transfer. Twenty-two Venmo payments ($2,442.50) deliberately are not — they land in his Venmo balance, and his bank rows are aggregate cashouts that cannot pair 1:1.

Recurring commitments

Nine active commitments.

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

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 20262026-10-08Read the September 2026 summary →Open the September 2026 ledger →
August 20262026-09-09—Open the August 2026 ledger →

Read this with caveats

Amazon has no item detail

Order enrichment runs against Ben's Amazon login only, so Cheryl's Amazon spending cannot be broken down to items.

Checking starts in April

Savings goes back to 2 March, Checking only to 1 April, so March shows Savings alone.

What is solid

Zero uncategorised rows across all 548 transactions, and balance snapshots for both accounts dated 8 October.