Morning, Jo

Here’s how the household budget is doing this month.

October 2026
Income
$5,400
2 paychecks · both received
Spent so far
$3,182
59% of income · 18 of 31 days
Left to budget
$640
Not in an envelope yet
On pace

Give that $640 a job.

Top up Dining out, or tuck it into the Holiday fund before the month runs away.

OCT

Envelopes

Spent vs. limit this month
  • Groceries $188 left $412 / $600
  • Rent Paid in full $1,650 / $1,650
  • Dining out $36 over $236 / $200
  • Transport $62 left $118 / $180
  • Fun $54 left $96 / $150
5 envelopes shown · 1 over limit$2,512 of $2,780

Spending

Last 6 months
Monthly spending: May $3,050, June $2,980, July $3,420, August $3,110, September $3,260, October $3,182 so far. $4k$3k$2k$1k$0 May · $3,050$3,050May June · $2,980$2,980Jun July · $3,420$3,420Jul August · $3,110$3,110Aug September · $3,260$3,260Sep October so far · $3,182$3,182Octso far avg $3,167
October (in progress) Highest month Earlier months
$3,1676-month average
$3,420Peak · July
−$78Oct vs. Sep so far

Recent transactions

Both of you
DatePayeeEnvelopeAmount
Oct 17 Green Basket MarketJo · card ••42 Groceries −$84.20
Oct 16 Noodle House KatoSam · card ••07 Dining out −$38.50
Oct 15 Paycheck · Fernway StudioSam · deposit To be budgeted +$2,600.00
Oct 15 City transit card top-upJo · card ••42 Transport −$40.00
Oct 14 Riverside Picture HouseJo · card ••42 Fun −$28.00
Oct 13 Corner Crumb BakerySam · card ••07 Dining out −$16.75
Oct 12 Hilltop Farmers’ MarketSam · card ••07 Groceries −$52.30

Upcoming bills

Next 2 weeks
  • OCT20 ElectricityBrightline Power · due in 2 days $96.40Autopay
  • OCT22 Home internetFibrelink · due in 4 days $60.00Pay manually
  • OCT28 Phone plans ×2Northwave Mobile · split 50/50 $70.00Funded
  • NOV1 RentOakfield Lettings · Nov rent $1,650Funded
$1,876.40 due before Nov 1 · all covered by envelopes.