03 · The honest part
Where the variable spending really goes.
Twelve months of history per line, plus a target. The diff is your leak.
Highlighting Jan 2026
Jan 2026 / Year variable total
£1,628/£20,191
Food & Groceries
Avg
£485
Target
£388
Leak
£97
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Travel & Commute
Avg
£173
Target
£138
Leak
£35
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Holiday & Trips
Avg
£67
Target
£54
Leak
£13
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Beauty & Personal
Avg
£125
Target
£100
Leak
£25
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Loans & Debt
Avg
£215
Target
£172
Leak
£43
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Savings & Goals
Avg
£250
Target
£200
Leak
£50
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Family & Gifts
Avg
£73
Target
£58
Leak
£15
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto | ||
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Miscellaneous
Avg
£0
Target
£0
Leak
£0
| Item | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Target | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
£ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ | £ Auto |
Total variable (avg/mo)
£1,683
Total target (mo)
£1,346
Combined leak
£337
Variable
£1,683
Target
£1,346
Leak
£337