As of CST · Bank of America stale
of $4,130.54 cash in Bank of America Advantage Checking ··2206 and Capital One 360 Checking ··4471, after $633.00 of bills and $38.50 of installments before payday, your $400.00 reserve, and $88.44 a day of usual spending.
| Date | Confirmed money | If expected income arrives | Income |
|---|---|---|---|
| Fri 6 Nov | $4,130.54 | $4,130.54 | |
| Sat 7 Nov | $4,042.09 | $4,042.09 | |
| Sun 8 Nov | $3,541.64 | $3,541.64 | |
| Mon 9 Nov | $3,311.19 | $3,311.19 | |
| Tue 10 Nov | $3,184.25 | $3,184.25 | |
| Wed 11 Nov | $3,095.81 | $3,095.81 | |
| Thu 12 Nov | $2,928.37 | $2,928.37 | |
| Fri 13 Nov | $5,289.93 | $5,289.93 | Paycheck +$2,450.00 (on record, counted) |
| Sat 14 Nov | $5,201.49 | $5,201.49 | |
| Sun 15 Nov | $5,113.05 | $5,113.05 | |
| Mon 16 Nov | $5,024.61 | $6,524.61 | Owner draw from Oak & Ember +$1,500.00 (not here yet, not counted) |
| Tue 17 Nov | $4,936.17 | $6,436.17 | |
| Wed 18 Nov | $4,847.73 | $6,347.73 | |
| Thu 19 Nov | $4,759.29 | $6,259.29 | |
| Fri 20 Nov | $4,670.85 | $7,970.85 | Claire's invoice +$1,800.00 (not here yet, not counted) |
| Sat 21 Nov | $4,582.41 | $7,882.41 | |
| Sun 22 Nov | $4,458.97 | $7,758.97 | |
| Mon 23 Nov | $4,370.53 | $7,670.53 | |
| Tue 24 Nov | $4,243.59 | $7,543.59 | |
| Wed 25 Nov | $4,155.15 | $7,455.15 | |
| Thu 26 Nov | $4,066.71 | $7,366.71 | |
| Fri 27 Nov | $3,978.27 | $9,728.27 | Paycheck +$2,450.00 (not here yet, not counted) |
| Sat 28 Nov | $3,889.83 | $9,639.83 | |
| Sun 29 Nov | $3,801.39 | $9,551.39 | |
| Mon 30 Nov | $3,712.95 | $9,462.95 | |
| Tue 1 Dec | $1,974.51 | $7,724.51 | |
| Wed 2 Dec | $1,886.07 | $7,636.07 | |
| Thu 3 Dec | $1,712.63 | $7,462.63 | |
| Fri 4 Dec | $1,624.19 | $7,374.19 | |
| Sat 5 Dec | $1,535.75 | $7,285.75 |
30 Nov · $3,712.95 on what you have and what is on record · no shortfall, never below the reserve
Not counted until it lands: Owner draw from Oak & Ember 16 Nov ($1,500.00), Claire's invoice 20 Nov ($1,800.00) and Paycheck 27 Nov ($2,450.00). If all of it arrives, 30 Nov would be $9,462.95.
Read-only: a forecast is an estimate from your records and stated assumptions. Nothing here moves money.
Rings fill with spending this month. Debt and savings are measured by payments and contributions, not purchases. $8,200.00 of planned income is still to arrive.
From the forecast for checking: installments $77.00; income counted only when it is on record ($2,450.00). $5,750.00 more is listed but not counted until it lands. Bills charged to the card show on the card.
Locked fields are never overwritten; every rule run can be undone.
3 of 5 actions done · next: Pay $300 to the card on Sun 22 Nov (on track)
At $300.00 a month the card is clear by March 2027, with about $61.08 of interest.
Card balance at $0 by 31 Mar 2027: at risk on minimum payments alone ($1,225.06 left). It stays on track while each planned payment happens.
Approved Sat 3 Oct, 9:00 PM. Approving a plan never moves money: James makes each payment.