# Michael's Personal Spending — Jan 8 to Feb 7, 2026

**Source:** Bank statement
**Note:** No account numbers, BSBs, or bank details stored here. Summary only.

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## Income: $5,600/month

| Source | Amount | Frequency |
|--------|--------|-----------|
| Liam Fitzgerald (construction pay) | $5,595.00 | Weekly (~$1,399/wk) |
| Bank fee reversal | $5.00 | One-off |

**Note:** Paid weekly, amounts vary ($1,047 - $1,693). This is Michael's take-home construction pay.

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## Spending: $4,487/month

| Category | Amount | % of Spend |
|----------|--------|------------|
| Food/Dining Out | $2,045 | 46% |
| Uber Eats | $523 | 12% |
| Groceries | $257 | 6% |
| VicRoads | $237 | 5% |
| Cigars | $225 | 5% |
| RateRight (from personal card) | $220 | 5% |
| Gym/Fitness | $200 | 4% |
| Health/Medical | $193 | 4% |
| Phone (Vodafone x2) | $156 | 3% |
| Tech subs (DeepSeek, Perplexity x2) | $139 | 3% |
| Laundry | $89 | 2% |
| Uber Rides | $65 | 1% |
| Other (Kmart, Madunit, transport, vending) | $91 | 2% |

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## Key Observations

- **Total food spend: $2,568/mo (57% of all spending).** SJB Hotel alone: ~$700+. Cafe Thai: ~$230. Uber Eats: $523.
- **Net surplus: ~$1,113/mo** — money is not critically tight but not much buffer
- **RateRight personal payments: $220** — two charges of $110 from rateright.com.au (Stripe test? DigitalOcean? Domain?)
- **Two Vodafone lines: $156/mo** — personal + business?
- **Perplexity AI double-charged: $34** — two identical $16.98 charges on Jan 19
- **DeepSeek: $79** — $53 USD + FX fee, personal card not business

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*Stored for financial planning. Not shared externally.*