MY-OSMoney
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SAMPLE VIEW — FILLED WITH FAKE DATAThis is literally what my dashboard looks like. The real one is live, private, and kept up to date all day long. Here it's filled with made-up numbers and playful fake names so nothing private shows — the layout is 100% real, the data is not.

Money

Built to change behavior, not just report it. Business and personal, kept apart.

Personal spending — May

$5,310

last month · trailing avg ~$4,966/mo

For scale: $18,700 in personal liquid against ~$5,310/mo of spending — a healthy cushion, kept that way on purpose.

Cash flow — personal

In$9,600
Out−$5,310
Net$4,290

Income lands twice a month; the rest is what it costs to run the household.

Where it went — May

Housing
$2,350
Kids & School
$560
Groceries
$552
Utilities
$410
Health & Fitness
$320
Insurance (Personal)
$285
Travel & Fun
$240
Auto & Gas
$188
Dining
$167
Shopping
$162
Streaming
$56

Automated — subscriptions (cancelable)

vendorper yr12-mo
TotallyLegit TV12×$228→ cancel
Streamberry12×$192→ cancel
Subscriptionz12×$144→ cancel
Cloud9 Music12×$132→ cancel
Bitstream+12×$120→ cancel
NapTime Pro12×$96→ cancel

Auto-charged whether you act or not. Click → cancel.

Manual — habits (reducible)

vendorper yr12-mo
Maple Street Rentals11×$25,850habit
FreshCart Grocery47×$6,486habit
Bright Futures Daycare11×$6,160habit
EverCare Health11×$3,520habit
Shield Auto & Home11×$3,135habit
Trailside Outfitters12×$2,880habit
City Utilities11×$2,695habit
QuickFill Gas47×$2,209habit
Shopaholic12×$1,944habit
Mobile & Internet11×$1,815habit
Local Bistro12×$1,056habit
Snackpass47×$634habit
BeanThere Coffee47×$294habit

You choose these each time — Starbucks, dining, gas. Behavior, not a cancel button.

Business cash

$280,000

Page Management checking + savings

Cash flow — business (May)

In$96,500
Out−$71,717
Net$24,783

⚠ True P&L (revenue − operating expenses) needs the business-ledger feed — this is cash flow.

Subscriptions — the SaaS stack (cancelable)

vendorper yr12-mo
EZLynx11×$3,410→ cancel
OpenAI11×$2,200→ cancel
Anthropic11×$2,200→ cancel
Notion11×$1,056→ cancel
Twilio11×$715→ cancel
n8n Cloud11×$550→ cancel
Cloudflare11×$275→ cancel
GitHub11×$231→ cancel
Vercel11×$220→ cancel

The tools the OS runs on — OpenAI, Anthropic, Notion, n8n, Replit and more. Review for kills.

Automated — full list

vendorper yr12-mo
EZLynx11×$3,410→ cancel
OpenAI11×$2,200→ cancel
Anthropic11×$2,200→ cancel
Notion11×$1,056→ cancel
Twilio11×$715→ cancel
n8n Cloud11×$550→ cancel
Cloudflare11×$275→ cancel
GitHub11×$231→ cancel
Vercel11×$220→ cancel

Manual / variable recurring

vendorper yr12-mo
Payroll — Team12×$492,000habit
Carrier Sweep / Trust12×$270,000habit
Apex Subcontracting12×$50,400habit
Metro Workspace Lease12×$31,800habit
Office Supply Co12×$4,560habit

Subcontractors (Wise), supplies, equipment — variable, not subscriptions.

Net Worth (the long view)

$2,791,300

personal $526,300 · businesses $2,265,000 — reference, not a daily lever

Personal cash$18,700
Business cash$280,000
Retirement (IRA)$48,000
Brokerage$22,000
Home equity$165,000
Insurance book (est.)$1,855,000
Equity stake — partner co.$240,000
Equity stake — second co.$110,000
Property holding$60,000
Consumer debt−$7,400

Retirement is the IRA + brokerage. Business values are static estimates.

Loans

Mortgage$285,000
HELOC$22,000
Auto loan$18,500
Auto loan (2)$9,200
Tax installment$6,800

The behavior to move

Trim the SaaS stackreview the automated list quarterly
Keep the cushion growingsave first, spend what's left
Mind the habitsdining, coffee — eyes open
Pay debt downconsumer balance trending to zero