Data-driven reports that translate complex information into clear, honest insights — helping you understand where you actually stand, so you can decide where to go next.
This report summarizes six months of personal banking data, organized to provide clarity on earning patterns, spending habits, and overall cash flow trajectory. The goal isn't just to present numbers — it's to ask the honest questions those numbers raise, and to use data as a tool for behavioral change.
The following table summarizes total monthly earnings (credits) versus total monthly expenses (debits) across all six months.
| Month | Earnings | Expenses | Net |
|---|---|---|---|
| January | $6,103 | -$6,624 | -$521 |
| February | $4,302 | -$4,321 | -$19 |
| March | $4,656 | -$5,967 | -$1,311 |
| April | $4,333 | -$5,421 | -$1,088 |
| May | $6,851 | -$4,599 | +$2,252 |
| June | $4,432 | -$5,290 | -$858 |
When during the year did you spend the most, and when during the year did you earn the most? January and May stand out as the highest earning months, while January and March saw the heaviest spending. May is the only month with a positive net cash flow.
Review the net monthly figures. Your three worst months were March (-$1,311), April (-$1,088), and June (-$858). All three are negative. These months share one thing in common: earnings were below $4,700 while spending continued near the $5,000–$6,000 range.
Essential expenses include rent, food, medical costs, and other non-negotiable living costs. The general guideline is to keep these below 60% of monthly income.
| Month | Earnings | Essential Expenses | % of Income |
|---|---|---|---|
| January | $6,103 | $2,452 | 40.2% |
| February | $4,302 | $2,441 | 56.7% |
| March | $4,656 | $2,842 | 61.0% |
| April | $4,333 | $2,145 | 49.5% |
| May | $6,851 | $2,581 | 37.7% |
| June | $4,432 | $2,646 | 59.7% |
Two months (March and June) either met or exceeded the 60% threshold. The average hovers around 51% — just under the danger zone. On months with lower earnings, essential costs become a proportionally heavier burden. Consider whether fixed costs like rent or subscriptions can be renegotiated or reduced.
Discretionary expenses — dining, travel, entertainment, shopping — should ideally account for no more than 20% of monthly income, with another 20% going to savings.
| Month | Earnings | Discretionary Expenses | % of Income |
|---|---|---|---|
| January | $6,103 | $4,171 | 68.3% |
| February | $4,302 | $1,881 | 43.7% |
| March | $4,656 | $2,839 | 61.0% |
| April | $4,333 | $3,277 | 75.6% |
| May | $6,851 | $2,019 | 29.5% |
| June | $4,432 | $2,505 | 56.5% |
Review your top three discretionary categories and the range they swing across months. Are you a person who just can't help but go out for drinks and coffee? What about travel — are you consistently booking trips? Identifying your "leak" category is the first step toward plugging it.
Congratulations on taking the first step — downloading your financial data, formatting it, and doing an honest review of your financial habits. That isn't easy. Your situation won't change overnight, and you can't solve every quirk in one go.
To get started, pick one thing to improve, set a measurable goal, and track your progress daily. A simple daily tally of spending in your Notes app — with a reminder set at a convenient time — can be one of the most effective habit changes you can make. In the past, a goal of spending no more than $150 per week on non-grocery food and drink was enough to change behavior within days: instead of the easy choice, cooking what was already in the fridge became the default.
Try it, and see what changes.