aeroreyna
3.5 KiB
3.5 KiB
Date, Author, Tags
| Date | Author | Tags | |||||
|---|---|---|---|---|---|---|---|
| 2026-05-20 | Pi Agent |
|
2026-05 Budget Report From Transactions
Source
- File analyzed (read-only, Nextcloud):
~/Nextcloud/ReynasShared/2026-05-15T01_14_39.588Z-transactions.csv - Analysis date: 2026-05-20
- Coverage used: last 12 months through 2026-05-14 (May 2026 is partial month in export)
1) Normalized Month-to-Month View (Outliers Separated)
- Normalized monthly income (recent cleaner period Oct 2025–May 2026):
~$28,600 - Normalized monthly core spend (includes mortgage):
~$14,250 - Normalized monthly one-time/irregular spend:
~$13,680 - Mortgage baseline observed:
$5,358.53
2) Recommended Fixed Monthly Budget (Caps)
Core Operating Budget (monthly)
-
Mortgage:
$5,359 -
Utilities + phone + internet + insurance:
$1,600 -
Groceries/household essentials:
$1,200 -
Family care / childcare / school-related:
$900 -
Dining/coffee:
$600 -
Auto/transport/gas/tolls:
$500 -
Medical/health/personal care:
$500 -
Shopping (general discretionary):
$1,500 -
Home maintenance (routine):
$700 -
Software/subscriptions/misc:
$300 -
Core total target:
~$13,159(use$13,500working cap with buffer)
Planned Irregular Budget (monthly sinking total)
-
Taxes reserve:
$2,000 -
Travel reserve:
$1,200 -
Home projects reserve:
$1,500 -
Giving/Gifts reserve:
$1,500 -
EMI reimbursable float reserve:
$800 -
Irregular sinking total target:
~$7,000
Total Planned Monthly Outflow Target
$13,500(core) +$7,000(irregular reserves) =~$20,500/month
3) Sinking-Fund Plan
Create and maintain 5 dedicated buckets/sub-accounts:
- Taxes Bucket (
$2,000/mo) - Travel Bucket (
$1,200/mo) - Home Projects Bucket (
$1,500/mo) - Giving/Gifts Bucket (
$1,500/mo) - EMI Float Bucket (
$800/mo)
Rules
- Spend irregular items only from the matching bucket.
- If a bucket is empty, defer purchase unless explicitly approved as an exception.
- Refill all buckets monthly (automated transfers on payday preferred).
- Review and adjust caps quarterly, especially after stock vest events.
Last-12-Month Month-to-Month Report
| Month | Income | Total Expenses | Core Recurring | One-Time / Irregular | Mortgage in Month | Net (Income - Expenses) |
|---|---|---|---|---|---|---|
| 2025-05 | $6,027 | $19,027 | $5,457 | $13,570 | $0 | -$13,000 |
| 2025-06 | $17,223 | $70,436 | $62,819 | $7,617 | $53,445 | -$53,213 |
| 2025-07 | $20,766 | $8,907 | $8,073 | $834 | $3,445 | +$11,859 |
| 2025-08 | $64,230 | $245,251 | $89,960 | $155,291 | $75,613 | -$181,021 |
| 2025-09 | $27,738 | $36,542 | $20,983 | $15,560 | $0 | -$8,804 |
| 2025-10 | $26,857 | $18,109 | $17,220 | $889 | $5,359 | +$8,749 |
| 2025-11 | $25,142 | $48,242 | $19,174 | $29,067 | $5,359 | -$23,099 |
| 2025-12 | $26,115 | $17,651 | $15,419 | $2,232 | $5,359 | +$8,465 |
| 2026-01 | $31,141 | $25,639 | $14,044 | $11,595 | $5,359 | +$5,501 |
| 2026-02 | $21,595 | $35,214 | $12,594 | $22,621 | $5,359 | -$13,620 |
| 2026-03 | $46,027 | $32,233 | $13,532 | $18,701 | $5,359 | +$13,794 |
| 2026-04 | $40,253 | $37,446 | $13,146 | $24,300 | $5,359 | +$2,807 |
| 2026-05* | $11,892 | $8,903 | $8,859 | $44 | $5,359 | +$2,989 |
*May 2026 is partial in this export (through 2026-05-14).
Notes
- The biggest source of volatility is irregular spending (taxes, travel, projects, gifts/donations), not baseline living costs.
- Recommended cadence: monthly check-in + quarterly cap adjustment.