Everything, month by month — income, expenses, debts, assets.
Plan changes — buying a house, selling a rental, student loans, one-time or recurring items — live in the timeline.
| Line | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income | ||||||||||||
| Rental Overland | $2,535 | $2,535 | $2,535 | $2,535 | $2,535 | $2,535 | $2,535 | $2,535 | $2,535 | $2,535 | $2,535 | $2,535 |
| Rental Randall (Gadsden) | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 | $2,000 |
| Brittany's Paycheck | $6,182 | $4,948 | $5,467 | $5,449 | $8,145 | $5,430 | $5,430 | $2,715 | $0 | $0 | $0 | $0 |
| Brittany's Bonus | $0 | $0 | $0 | $0 | $0 | $755 | $10,428 | $10,428 | $10,428 | $10,428 | $10,428 | $10,428 |
| Other Income | $0 | $0 | $0 | $0 | $0 | $13,280 | $0 | $0 | $0 | $0 | $0 | $0 |
| Gross income | $10,717 | $9,483 | $10,002 | $9,984 | $12,680 | $24,000 | $20,393 | $17,678 | $14,963 | $14,963 | $14,963 | $14,963 |
| Business expenses | ||||||||||||
| Advertising | -$283 | -$109 | -$109 | $0 | -$109 | -$109 | -$109 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Overland | -$1,460 | -$1,413 | -$1,413 | -$1,413 | -$1,413 | -$1,413 | -$1,413 | -$1,413 | -$1,413 | -$1,413 | -$1,413 | -$1,413 |
| Mortgage Gadsden | -$2,214 | -$2,214 | -$2,362 | -$2,362 | -$2,362 | -$2,362 | -$2,362 | -$2,362 | -$2,362 | -$2,362 | -$2,362 | -$2,362 |
| Repairs & Maintenance | -$135 | -$141 | -$66 | -$66 | -$66 | -$136 | -$136 | -$136 | -$136 | -$136 | -$136 | -$136 |
| Subscriptions | -$279 | -$45 | -$105 | -$83 | -$170 | -$15 | -$55 | -$55 | -$55 | -$55 | -$55 | -$55 |
| Office Expenses | $0 | $0 | $0 | -$69 | $0 | $0 | -$50 | -$50 | -$50 | -$50 | -$50 | -$50 |
| Total business expenses | -$4,371 | -$3,923 | -$4,056 | -$3,994 | -$4,121 | -$4,036 | -$4,126 | -$4,017 | -$4,017 | -$4,017 | -$4,017 | -$4,017 |
| Personal expenses | ||||||||||||
| Food | -$2,670 | -$1,805 | -$2,607 | -$1,630 | -$2,672 | -$2,000 | -$2,000 | -$2,000 | -$2,000 | -$2,000 | -$2,000 | -$2,000 |
| Health | -$413 | -$185 | -$80 | -$345 | -$59 | -$350 | -$350 | -$350 | -$350 | -$350 | -$350 | -$350 |
| Rent | -$1,750 | -$1,750 | $0 | -$1,750 | -$1,750 | -$1,750 | -$1,750 | -$1,750 | -$1,750 | -$1,750 | -$1,750 | -$1,750 |
| Utilities | -$850 | -$450 | -$868 | -$651 | -$373 | -$850 | -$850 | -$850 | -$850 | -$850 | -$850 | -$850 |
| Insurance | -$104 | -$104 | -$104 | -$104 | -$104 | -$104 | -$104 | -$104 | -$104 | -$104 | -$104 | -$104 |
| Personal Expenses | -$223 | -$140 | $0 | -$30 | $0 | -$150 | -$150 | -$150 | -$150 | -$150 | -$150 | -$150 |
| Pets | -$80 | $0 | $0 | $0 | -$2,216 | -$100 | -$100 | -$100 | -$100 | -$100 | -$100 | -$100 |
| Recreation | -$386 | -$633 | -$155 | -$197 | -$565 | -$500 | -$500 | -$500 | -$500 | -$500 | -$500 | -$500 |
| Shopping | -$1,269 | -$289 | -$804 | -$592 | -$694 | -$700 | -$700 | -$700 | -$700 | -$700 | -$700 | -$700 |
| Transport | -$607 | -$787 | -$786 | -$394 | -$1,267 | -$500 | -$500 | -$500 | -$500 | -$500 | -$500 | -$500 |
| Taxes | $0 | $0 | $0 | $0 | $0 | -$800 | $0 | $0 | $684 | $684 | $684 | $684 |
| Giving | $0 | $0 | $0 | $0 | $0 | $0 | -$1,996 | -$1,627 | -$1,366 | -$1,095 | -$1,095 | -$1,095 |
| Debt minimum payments | -$2,089 | -$2,074 | -$2,060 | -$2,045 | -$2,031 | -$2,017 | -$1,899 | -$1,885 | -$1,872 | -$2,264 | -$2,250 | -$2,238 |
| Total personal expenses | -$10,441 | -$8,217 | -$7,463 | -$7,738 | -$11,730 | -$9,821 | -$10,899 | -$10,516 | -$9,558 | -$9,678 | -$9,665 | -$9,653 |
| Surplus | -$4,095 | -$2,657 | -$1,517 | -$1,748 | -$3,170 | $10,144 | $5,368 | $3,145 | $1,389 | $1,268 | $1,281 | $1,293 |
| Extra applied to debt | $0 | $0 | $0 | $0 | $0 | -$7,935 | $0 | $0 | $0 | $0 | $0 | $0 |
| Cash balance | -$4,095 | -$6,752 | -$8,270 | -$10,018 | -$13,188 | $5,000 | $10,368 | $13,514 | $14,902 | $16,170 | $17,452 | $18,745 |
| Debt balances | ||||||||||||
| Discover | $13,417 | $13,411 | $13,404 | $13,398 | $13,391 | $5,623 | $5,620 | $5,617 | $5,615 | $5,612 | $5,609 | $5,606 |
| Bank Of America | $7,624 | $7,547 | $7,472 | $7,397 | $7,323 | $7,250 | $7,177 | $7,106 | $7,035 | $6,964 | $6,996 | $7,028 |
| Wells Fargo | $12,688 | $12,560 | $12,434 | $12,309 | $12,185 | $12,062 | $11,941 | $11,821 | $11,702 | $11,584 | $11,467 | $11,352 |
| Marriott | $34,840 | $34,406 | $33,978 | $33,555 | $33,137 | $32,724 | $32,316 | $31,914 | $31,516 | $31,124 | $30,736 | $30,353 |
| Affirm Small | $2,090 | $2,031 | $1,971 | $1,911 | $1,850 | $1,789 | $1,727 | $1,664 | $1,600 | $1,535 | $1,470 | $1,404 |
| Affirm Big | $6,923 | $6,840 | $6,755 | $6,668 | $6,580 | $6,490 | $6,399 | $6,306 | $6,212 | $6,116 | $6,018 | $5,918 |
| First Community Bank * | $10,462 | $10,284 | $10,104 | $9,923 | $9,741 | $9,557 | $9,372 | $9,186 | $8,998 | $8,809 | $8,618 | $8,426 |
| Direct Loan - Subsidized | $10,688 | $10,688 | $10,688 | $10,688 | $10,688 | $10,688 | $10,688 | $10,688 | $10,688 | $10,715 | $10,742 | $10,769 |
| Direct Loan - Unsubsidized7 | $7,650 | $7,684 | $7,719 | $7,754 | $7,789 | $7,824 | $7,859 | $7,894 | $7,930 | $7,941 | $7,951 | $7,962 |
| Direct Loan - Unsubsidized3 | $12,495 | $12,550 | $12,606 | $12,662 | $12,718 | $12,774 | $12,830 | $12,887 | $12,944 | $12,961 | $12,977 | $12,994 |
| Direct Loan - Unsubsidized5 | $14,635 | $14,701 | $14,768 | $14,834 | $14,901 | $14,968 | $15,036 | $15,104 | $15,172 | $15,192 | $15,213 | $15,234 |
| Direct Loan - Unsubsidized6 | $18,324 | $18,419 | $18,514 | $18,610 | $18,706 | $18,803 | $18,900 | $18,998 | $19,096 | $19,135 | $19,173 | $19,212 |
| Direct Loan - Unsubsidized1 | $20,392 | $20,508 | $20,624 | $20,741 | $20,859 | $20,977 | $21,096 | $21,215 | $21,335 | $21,389 | $21,443 | $21,497 |
| Direct Loan - Unsubsidized2 | $26,507 | $26,636 | $26,766 | $26,896 | $27,027 | $27,159 | $27,291 | $27,424 | $27,557 | $27,604 | $27,652 | $27,699 |
| Direct Loan - Unsubsidized4 | $33,482 | $33,672 | $33,862 | $34,054 | $34,247 | $34,441 | $34,636 | $34,833 | $35,030 | $35,118 | $35,207 | $35,295 |
| Nelnet | $24,776 | $24,745 | $24,714 | $24,682 | $24,651 | $24,619 | $24,587 | $24,555 | $24,523 | $24,558 | $24,593 | $24,628 |
| Mortgage 809 Randall (Gadsden) | $226,123 | $225,659 | $225,193 | $224,725 | $224,257 | $223,787 | $223,315 | $222,842 | $222,368 | $221,892 | $221,415 | $220,936 |
| Mortgage 536 Overland | $340,631 | $339,765 | $338,897 | $338,026 | $337,153 | $336,277 | $335,398 | $334,516 | $333,632 | $332,746 | $331,856 | $330,964 |
| Total debt | $823,748 | $822,106 | $820,468 | $818,833 | $817,202 | $807,811 | $806,189 | $804,569 | $802,953 | $800,993 | $799,136 | $797,279 |
| Assets | ||||||||||||
| 809 Randall (Gadsden) | $301,451 | $302,204 | $302,960 | $303,717 | $304,477 | $305,238 | $306,001 | $306,766 | $307,533 | $308,302 | $309,072 | $309,845 |
| 536 Overland | $375,809 | $376,749 | $377,691 | $378,635 | $379,581 | $380,530 | $381,482 | $382,435 | $383,391 | $384,350 | $385,311 | $386,274 |
| Total asset value | $677,260 | $678,953 | $680,650 | $682,352 | $684,058 | $685,768 | $687,483 | $689,201 | $690,924 | $692,652 | $694,383 | $696,119 |
| Net worth | -$150,583 | -$149,906 | -$148,087 | -$146,499 | -$146,332 | -$117,043 | -$108,338 | -$101,855 | -$97,126 | -$92,172 | -$87,302 | -$82,415 |