Household Financial Review
May 2026
Prepared by D. Marsh
The Month
This month: Spending stayed under target by $100. Net worth ↑ $12,083. Set aside $1,326 in sinking funds. Joint Checking buffer at $6,693.
Verdict
§ I
Executive Summary
At a glance
Spending · May 2026
$8,501
↓ $100 under CSP target ($8,601)
70% of $12,164 income · Fixed $5,659 + Guilt-Free $2,842
Total Net Worth · May 31
$584,133
↑ $12,083 MoM · liquid +$11,953 · Dad Loan paid $130
This Month's Flow
Money In
$12,164
paychecks + refunds + interest
Money Out
$8,501
spending · Fixed + Guilt-Free
Savings
+$1,326 / $0
ALL sinking funds funded · ON TARGET!
Investments
+$2,707
$2,223 Joint + $484 PERS (5.38% × $9,003 gross)
Assets · May 31
Brokerage
$57,750
↑ $2,689 MoM
Combined Retirement
$182,225
↑ $7,446 MoM · Avery $110K + Quinn $73K
Home Value
$638,430
Cedar Park · est. valuation
Other
$2,652
Quinn OS account · type TBD
Liabilities · May 31
Mortgage
−$295,087
2022 ReFi · $2,251/mo paid · home equity $343,343
Dad Loan (car)
−$8,566
↓ $130 paid down — chipping away!
I
What We Spent
Income → Cash buffer → Plan vs actual → Map → Categories
$8,501 spent · 70% of inflow
§ II
What We Made
Every deposit to Joint Checking · May 2026
Total deposits
$12,158
Paychecks
$11,963
Avery S-Corp + Quinn × 2
Other
$195
Les Schwab Tire refund
Date
Source
Type
Amount
May 11 Les Schwab Tire refund refund $195.00 May 21 Quinn · King County payroll paycheck $3,001.01 May 8 Quinn · King County payroll paycheck $3,111.53 May 5 Avery · S-Corp payroll (Vanguard transfer) paycheck $5,850.00 Total to Joint Checking $12,157.54
Direct from May's Quicken transaction export.
Where it sits now · Cash Buffer
$0
Critical $4K
Target $6.5K (1.5 mo fixed)
BAM! Joint Checking is over target (+$1,818 MoM) . 12-month context: balance has bounced between $3,138 (Mar 2026) and $10,432 (Oct 2025).
§ III
CSP Buckets · Plan vs Actual
May · Hover a bucket for the breakdown
Fixed Costs
$5,659
target $5,440
↑ $219 over
Category Actual vs Plan
Home · Mortgage $2,251 —
Auto · Service $562 —
Pets · Vet $444 —
Home · Cleaning $351 —
Auto · Car loan $335 —
Home · Power (PSE) $258 —
Auto · Gas $205 —
Groceries · QFC $141 —
Auto · Insurance $136 —
Dad Loan · Electronic Withdrawal $130 —
Pets · Grooming $122 —
Groceries · Whole Foods $121 —
Groceries · Safeway $115 —
Groceries · Costco $101 —
Home · Water $87 —
Pets · Supplies $76 —
Auto · Parking $75 —
Pets · Sitting $62 —
Personal Care · Walgreens $33 —
Medicine · SP PINCH MAGIC FIBER PINCHMAGIC.COCA $20 —
Groceries · PCC - ISSAQUAH ISSAQUAH WA $13 —
Groceries · Metropolitan Market $9 —
Groceries · Albertsons $8 —
Subscriptions · SOUNDIIZ PREMIUM COUERON FR $3 —
Bucket total
$5,659
47% of $12,164 income
Investing
$2,707
target $2,714
✓ ON TARGET!
Category Actual vs Plan
Roth IRA $975 —
Roth 401(k) $780 —
PERS pension · Quinn $484 —
Brokerage $468 —
Bucket total
$2,707
22% of $12,164 income
Savings
$1,326
target $1,326
✓ on plan
Category Actual vs Plan
Slush $390 —
Vacation $390 —
House Improvement $234 —
House Maintenance $156 —
Baby $156 —
Bucket total
$1,326
11% of $12,164 income
Guilt-Free
$2,842
target $3,161
↓ $319 under
Category Actual vs Plan
Personal · Quinn allowance $1,170 —
Personal · Avery allowance $1,170 —
Shared · Restaurants $357 —
Shared · Gifts $41 —
Shared · Fast food $37 —
Shared · Movies $34 —
Shared · Coffee $18 —
Shared · Home misc $16 —
Shared · Misc $0 —
Bucket total
$2,842
23% of $12,164 income
§ IV
Where the Money Went
Every dollar allocated · May 2026 · click to drill in
Total allocated ·
$12,535
100 squares · each square ≈ $126 of every dollar allocated.
← back
Click a bucket — slice or legend row — to drill in
§ V
Spending Detail
Budget bars · then transaction tree
Fixed Costs · $5,659 / $5,440 · +$219 over
Joint Guilt-Free · $2,842 / $821 · +$2,021 over
$502 / $821
−$319 under target
Transaction Detail
▸
Fixed Costs
$5,659
+$219
▸
Home
$2,947
—
Mortgage $2,251 —
Cleaning (×2) $351 —
Power (PSE) $258 —
Water $87 —
▸
Auto
$1,314
—
Service $562 —
Car loan $335 —
Gas (×6) $205 —
Insurance $136 —
Parking (×5) $75 —
▸
Pets
$704
—
Vet (×2) $444 —
Grooming $122 —
Supplies $76 —
Sitting $62 —
▸
Groceries
$508
—
QFC (×3) $141 —
Whole Foods $121 —
Safeway (×5) $115 —
Costco $101 —
PCC - ISSAQUAH ISSAQUAH WA $13 —
Metropolitan Market $9 —
Albertsons $8 —
▸
Dad Loan
$130
—
Electronic Withdrawal $130 —
▸
Personal Care · Medicine · Subs
$57
—
Personal Care: Walgreens $33 —
Medicine: SP PINCH MAGIC FIBER PINCHMAGIC.COCA $20 —
Subscriptions: SOUNDIIZ PREMIUM COUERON FR $3 —
▸
Guilt-Free
$2,842
−$319
▸
Personal · Allowances
$2,340
—
Quinn allowance $1,170 —
Avery allowance $1,170 —
▸
Shared · dining + misc
$502
—
Restaurants (×7) $357 —
Gifts $41 —
Fast food (×2) $37 —
Movies (×2) $34 —
Coffee (×2) $18 —
Home misc $16 —
Misc $0 —
II
What We Saved
Sinking funds funded via Betterment · POW POW POW!
$1,326 set aside · 11% of inflow · ON TARGET
§ VI
Sinking Funds
Set-aside accounts · status
Vacation Fund
$390
target $390/mo · BOING! ✓
Slush Fund
$390
target $390/mo · BOING! ✓
House Improvement Fund
$234
target $234/mo · BOING! ✓
House Maintenance Fund
$156
target $156/mo · BOING! ✓
Baby Fund
$156
target $156/mo · BOING! ✓
Total set aside (2026-05)
$1,326
$1,326/mo plan · 100% ✓ ON TARGET
Sinking funds are how we save for one-off and lumpy expenses without dipping into the cash buffer.
III
What We Invested
Long-term · retirement accounts + joint brokerage
$2,707 contributed · 22% of inflow · ON TARGET
May Contributions · By Account
Date
Account
Owner
Source
Amount
May 4 Roth 401(k) · Fidelity 0 Plan Avery payroll deduction $780.00 May 7 Roth IRA Avery Joint Checking → Fidelity $487.50 May 7 Roth IRA Avery Joint Checking → Fidelity $487.50 May * PERS Plan 2 pension Quinn 5.38% × $9,003 gross · auto $484.33 May 7 Joint Brokerage Joint Joint Checking → Fidelity stocks $468.00 Total May contributions $2,707.33
* PERS contributes per pay period (biweekly), deducted from Quinn's gross before paychecks land. The $484 shown is the monthly equivalent (5.38% × $9,002.50 gross). Doesn't touch Joint Checking; doesn't accrue to a tracked balance (defined-benefit pension).
§ VII
Investment Trends
Three groups · Combined total
Group This Month Δ MoM YTD
Avery's retirement $110,013 +$5,169 (+4.9%) — Quinn's retirement $72,213 +$2,277 (+3.3%) — Joint brokerage $57,750 +$2,689 (+4.9%) — Total invested $239,976 +$10,135 (+4.4%) —
The Marsh Ledger · Sunday Funnies Edition
Generated 2026-05-26 · v0.6 · May 2026
POW! · Page 1 of 1