This is an honest, receipt-level picture of where things stand — what I earn, what I owe, the gap between them, what I've already cut, how family has carried me, and the specific help I'm asking for.
Roughly /month take-home. Steady, but it hasn't kept pace with a two-property, one-income household supporting three kids and ongoing therapy.
Bars scaled to obligations. The hatched bar is what has to come from savings or family each month.
Fixed obligations total /month across two homes plus child support and therapy. Tap any group to see the line items.
Income minus obligations leaves a real monthly hole. It shows up year over year — 2024 and 2026 both closed in the red.
I didn't wait for help before trimming. I've cancelled subscriptions — /year (/mo) of recurring spend, gone.
Dad (Bruce) gave the big one-time transfers; Mom (Kathy) gave transfers and now carries the Leeds mortgage month after month. Dad's giving stopped in 2026, and Mom is the one keeping that mortgage current — a recurring load the raw transfer totals hide.
That's roughly two months of the shortfall — enough runway to land the next cost cuts and steady rental income without falling behind on the mortgage or the kids' therapy. It's a bridge, not a habit: I've cut /yr already and I'm tracking every dollar.
Everything on this page is queryable, right here, offline. Try one:
Detailed records available on request — a full backup exists behind these numbers: every Walmart line item, the complete transaction ledger from January 2022 to present, check images, and mortgage statements. Happy to share the source documents for anything here.
Click a row to drill into the merchants behind it · click a header to sort.
| Category | Total ▼ | Share | Distribution |
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There's equity here — it's just illiquid. The Leeds house is nearly paid off and rents for more than its mortgage.
A skipped mortgage is the single most damaging thing a credit score can take. Payment history is about 35% of a FICO score, and a mortgage delinquency is the heaviest mark of all. Here's the result — and the one move that reverses it.
The latest transactions on the checking account.
| Date | Merchant | Amount |
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