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Business income (W&W)
Monthly contract revenue
W&W invoiced income
Payroll payout (pending)
Contractors & employees
Business expenses
Software, fuel, materials, etc.
Personal income
Monthly take-home
W-2, 1099, other
Housing & utilities
Mortgage
Electric
Water
Gas
Metronet (internet)
Roof loan
American HomeShield
Moxie Pest Control
Vehicles
KIA payment
Ford payment
Buick payment
Car insurance
EZ Pass
Debt payments
Chase Amazon CC (wife)
Wife Capital One Platinum
Capital One Venture
Student loans (ECSI)
Insurance & health
Life insurance
Ambetter health care
Health Zone gym
Northwestern Annuity
Hiscox business ins.
Subscriptions & phone
T-Mobile
Spotify
Amazon Prime
Living expenses
Groceries / household
Miscellaneous / buffer
Debt balances (for payoff calculator)
Wife Capital One Platinum
~27% APR
Chase Amazon CC
~25% APR
Capital One Venture
~22% APR
Buick balance
~8% APR
KIA balance
~7% APR
Ford Explorer balance
~6% APR
Student loans balance
~5% APR
Extra monthly debt payment
Avalanche — on top of minimums
Recommended weekly owner draw
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Profit First — split every deposit
Monthly business cash flow
Pay schedule — when to draw each week
Why Profit First works
The trap most business owners fall into: spending revenue first, paying themselves whatever is left — which is usually nothing. Profit First flips it. Every time W&W gets paid, immediately split the deposit: 50% owner pay, 15% taxes, 30% ops, 5% profit. The business runs on what remains in ops. You pay yourself consistently, every week, no matter what.
Daily spending allowance by day
Monthly spending by category
No-spend day tracker
Target 3–4 no-spend days per week. Bills auto-pay regardless — this covers discretionary only (gas runs, eating out, shopping). Each no-spend day saves you approximately —. That's —/month if you hit 4 days a week.
Your bill calendar — bills by day of month
Payoff order — avalanche (highest rate first)
Debt freedom timeline
Minimum payments only
With extra payment
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Avalanche snowball effect
Where every dollar goes
Financial health check
Top priorities right now