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Financial Dashboard

Month-by-Month Budget

Spendable income only — real estate paychecks go directly to savings.

Monthly spending
$291
Fixed commitments
Engineer income
$62/mo
0.75 hrs/wk × $20.50
Lawn season
$300/mo
May – Oct, 3 clients
Lifeguard season
$2,080/mo
Jun – Aug, ~130 hrs/mo
Tight
April
Engineer$62
Clothes (one-time)-$180
Available$62
Spending + clothes-$471
Net-$409
Draw $409 from checking. Leaves ~$391.
Base
May
Lawn (3 clients)$300
Engineer$62
Available$362
Spending-$291
Net saved+$71
Small recovery. Checking rebuilds.
Summer
June
Lawn$300
Lifeguard (~130 hrs)$2,080
Engineer$62
Available$2,442
Spending-$291
Net saved+$2,151
Summer
July
Lawn$300
Lifeguard (~130 hrs)$2,080
Engineer$62
Available$2,442
Spending-$291
Net saved+$2,151
Summer
August
Lawn$300
Lifeguard (~130 hrs)$2,080
Engineer$62
Available$2,442
Spending-$291
Net saved+$2,151
Base
September
Lawn$300
Engineer$62
Available$362
Spending-$291
Net saved+$71
Base
October
Lawn$300
Engineer$62
Available$362
Spending-$291
Net saved+$71
Lean
November
Engineer$62
Available$62
Spending-$291
Net-$229
Draw $229 from buffer.
Lean
December
Engineer$62
Available$62
Spending-$291
Net-$229
Draw $229. Gift rollover covers holidays.
Lean
January
Engineer$62
Available$62
Spending-$291
Net-$229
Draw $229 from buffer.
Lean
February
Engineer$62
Available$62
Spending-$291
Net-$229
Draw $229 from buffer.
Lean
March
Engineer$62
Available$62
Spending-$291
Net-$229
Draw $229 from buffer.
Monthly spending breakdown
Category Monthly Annual Notes
Gas$50$600Regular fill-ups
Subscriptions$61$732Fixed services
Dinners / friends$80$960Social spending
Gifts$50$600Rolls over if unused
Misc$50$600Catch-all
Total $291 $3,492

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