Good evening, Marc
Cash Flow Warning
You've spent $1,840 this week. Rent ($1,450) and car insurance ($180) are due before Friday. You're $430 short unless you hold off on spending.
BTC Savings Going Backwards
You've withdrawn $1,600 from BTC this month to cover shortfalls. Net BTC change: -$800.
Cash
$142,180
Bitcoin
$38,752
Saved/mo
$4,200
Until Next Pay
Feb 14 (4 days)
Available
$620
Bills Due
$1,630
Per Day
$155
After bills: -$1,010 — you'll need to skip BTC this week or pull from savings
Pay off Camper
$800/mo · Debt payoff
Originally: Mar 2027 → Now: May 2027
House Deposit
$100K · $2,500/mo
Emergency Fund
$20K · $500/mo
New Car Fund
$35K · $400/mo
Bitcoin
0.2841 BTC
$136,420
3.2%
Personalised insights based on your spending
Next pay: Feb 14 (4 days)
Now
$2,250
Payday
+$4,250
Recommendation: Skip this week's $800 BTC deposit. That covers rent + insurance with $170 to spare. Resume BTC next pay cycle.
Where your money is going
UberEats is costing you $340/mo
That's $4,080/year. Cooking 3 more nights/week saves ~$200/mo.
Daily coffee habit: $126/mo
22 café visits last month averaging $5.70. That's $1,512/year.
3 unused subscriptions detected
Audible ($16.99), Crunchyroll ($10.99), iCloud 200GB ($4.49) — no usage in 60+ days. Cancel for $32.47/mo back.
Shopping down 15% this month 🎉
$340 vs $400 last month. Keep it up — that's $720/year if sustained.
30-day rolling view
Deposited
+$3,200
Withdrawn
-$1,600
Net
+$1,600
You're keeping only 50% of your BTC deposits. The withdrawals are eating your savings. Reducing weekly spending by $400 would eliminate the need to withdraw.
Next 30 days
12
FEB
Rent
Monthly · Essential
13
FEB
Car Insurance
Monthly · Essential
14
FEB
Salary
Fortnightly · Income
18
FEB
Phone Plan
Monthly · Essential
22
FEB
Internet
Monthly · Essential
25
FEB
Gym
Monthly · Health
$8,500
$4,300
$4,300
total spent
CSV or PDF format
CommBank_Jan2026.csv
Jan 31
CommBank_Dec2025.csv
Dec 31
Salary — 1300 Auto
Fortnightly · $4,250
$11,200
of $22,000
2 months behind
Mar 2027 → May 2027
Tracking against original plan
Get back on track
AI tip: Cutting UberEats by $200/mo covers most of this gap
Monthly deposit
Feb 1, 2026
Monthly deposit
Jan 1, 2026
Skipped (short on cash)
Dec 1, 2025
per month