01MTD
SPEND INCREASE
Spending increased
Your spending increased by $2,914 versus your normal level.
VOL. III · ISSUE 05—FEBRUARY 2026·MONEY STORY
A steady month.
Spending in range.
Housing is the lead driver at +$1,300 versus baseline. The month closed with $4,947 out, $6,500 in, and a 24% savings rate.
Headline figure
$1,553
Net cash flow · 24% saved
In
$6,500
Out
$4,947
Income
$6,500
10 tx this month
Spending
$4,947
+$265 vs prior month
Net cash flow
$1,553
Savings rate
24%
Prior 28%
FIG. 01
Cumulative spend, February vs. prior month
Current, cumulative Prior, cumulative● Anomaly
FIG. 02
The story this month
high
02MTD
CATEGORY DRIVER
Housing drove spending higher
Housing drove 45% of your spending increase this month, up $1,300 compared with your normal level.
03MTD
MERCHANT DRIVER
Rent Payment increased Housing
Rent Payment added $1,300 above normal housing spend.
04MTD
CATEGORY DRIVER
Savings / Investments drove spending higher
Savings / Investments drove 24% of your spending increase this month, up $700 compared with your normal level.
FIG. 03
Where the extra dollars went
01
Housing
Rent Payment +$1,300
+$1,30045%
02
Savings / Investments
Vanguard Investment +$700
+$70024%
03
Kids / Family
Daycare Bright Kids +$475
+$47516%
04
Entertainment
Ticketmaster Concert +$185
+$1856%
05
Groceries
Costco Grocery +$241
+$1636%
FIG. 04
Categories at a glance
Housing
$2,600
Kids / Family
$950
Savings / Investments
$700
Groceries
$241
Entertainment
$185
Utilities
$168
Dining
$74
Subscriptions
$29