HFamily · money reports
Updated 15 August 2026
Seven months · reconciled evidence

Make the next pound easier.

A clear, colourful family review of spending patterns and a practical conscious spending plan. The pages distinguish what the statement shows from what the family still needs to decide.

Choose a starting point

Evidence first. Decisions second.

The latest pages use the January–July 2026 statement. Earlier reports remain available for comparison.

Latest review

Spending review · August 2026

Reconciled cash flow, spending shape, habits, savings scenarios and the next honest actions.

Open the review →
Latest plan

Conscious spending plan · August 2026

An editable monthly plan with updated references, local-only notes and a 30 / 60 / 90-day rhythm.

Open the plan →
Earlier evidence

Spending review · Phase Two

The original January–March 2026 review, retained so the longer view can be compared honestly.

Open earlier review →
Earlier guidance

Conscious spending · Phase One

The original education and setup guide for using the plan without invented income or targets.

Open Phase One →

This site contains family financial information and is intended for the family’s use. It excludes the original CSV export and all analysis scripts. The reports are educational and do not replace regulated financial advice.