04 · The mirror
Small leaks. Sunken ships.
The gap between what you spend and what you said you'd spend. Multiplied by twelve, it's a holiday.
Monthly leak
£421
Across 8 categories
If you save
60%
Realistic recovery - not all leaks are killable.
Projected 1-mo saving
£253
Annualised: £3,031
Leak by category
Leak ledger
- Food & Groceries£97
- Holiday & Trips£80
- Social & Dining£59
- Investing£46
- Loans & Debt£43
- Savings & Goals£36
- Travel & Commute£35
- Beauty & Personal£25
Action needed Where to start
Your biggest leak: Food & Groceries
You're spending £97 over your own target every month. That's £1,164 a year — gone.
Fix this category Recover £97 / month
Small habits compound — fixing this one line claws back £1,164 over the next 12 months.
Step 5 of 5 · Next
Allocate your surplus
Split what's left across savings, investing, debt payoff and fun.
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