Vol. 2026 · No. 10  /  Saturday, Oct 18

October, so far.

Good morning, Sam. You and Jo are on pace this month — one envelope has run over, and four bills land before November.

Income
$5,400
Two paychecks received
Spent so far
$3,182
59% of income · 13 days left
Left to budget
$640
Ready to assign to an envelope
Envelopes
4/5
Dining out +$36
Section I

Envelopes

Edit budgets →
  • Groceries $412 / $600
    69% used$188 left
  • Rent paid Oct 1 $1,650 / $1,650
    100% usedDone
  • Dining out $236 / $200
    ⚠ Over budget by $36Cover from Left to budget
  • Transport $118 / $180
    66% used$62 left
  • Fun $96 / $150
    64% used$54 left
Today’s pace (58% through October) Over limit
Section II

Six months of spending

The takeaway

October is already $15 above your six-month average with 13 days to go. July’s $3,420 remains the high-water mark.

Section III

Recent transactions

All transactions →
Seven most recent transactions
DatePayeeEnvelopeByAmount
Oct 17 Greenleaf MarketWeekly shop Groceries SMSam −$84.20
Oct 16 Corner Noodle HouseDinner for two Dining out JRJo −$42.50
Oct 15 Paycheck — JoDirect deposit Income JRJo +$2,700.00
Oct 15 City Transit CardMonthly top-up Transport SMSam −$40.00
Oct 14 Paper Lantern CinemaTwo tickets Fun SMSam −$28.00
Oct 12 Harbor BakeryWeekend brunch Dining out JRJo −$18.75
Oct 11 Saturday Farmers’ MarketProduce & eggs Groceries SMSam −$31.40
Section IV

Upcoming bills

Manage →
  • Electricity
    Due October 21. Due in 3 days · Autopay
    $94.00
  • Home internet
    Due October 24. Due in 6 days · Autopay
    $65.00
  • Phone plan (2 lines)
    Due October 28. Due in 10 days · Manual
    $70.00
  • Rent
    Due November 1. Due in 14 days · Split 50/50
    $1,650.00
Due before Nov 2$1,879.00