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Pharr Family Budget

Q2 2026 Review • Apr – Jun

Top 5 Actions Food & Dining Family Conversation Data Validation Monthly Breakdown Debt Payoff
Generated
July 5, 2026

Annual Credit Report Check — Processed

Sean Experian Report — July 4, 2026
  • • Multiple AMEX accounts (opened 1999–2019)
  • • Addresses & personal info verified
  • • 0 public records • 0 hard inquiries
VIEW FULL EXPERIAN REPORT
Alyssa Amex Activity Screenshots — July 5, 2026
  • • 8 app screenshots processed (Bevy, Delta Reserve, Bonvoy Brilliant, Gold, Blue…)
  • • Key txn: YMCA $1,987.90 (Cooper camp fee — Education)
  • • Latest balances & limits captured
VIEW AMEX ACTIVITY REVIEW

Net Income

Bi-weekly Net Pay
$6,000
Monthly Equivalent
$12,000
Annual Net Income
$156,000
Next Pay Date: July 5, 2026

Income vs Spend (Q2)

Total Net Income (Q2)
$36,000
($12,000 × 3 months)
Total Spent (Q2)
$25,942
Savings: $10,058 (27.9%)

Month-to-Month Trends

April
$7,842
May
$8,912
June
$9,188

Review & Recommendations

High Priority
  • • Housing now $3,550/month combined
  • • $892 in interest charges — pay cards in full
  • • Review all 5 streaming services
Medium Priority
  • • Groceries + Dining = $11,824 (45.6% of spend)
  • • Consider refinancing options on home loans
Quick Wins
  • • Drop 2 streaming services ($30+/mo)
  • • Meal prep to reduce dining out
  • • Quarterly recurring charge audit

Recurring Charges

Major Monthly Recurring Items
Badrooster House Payment$3,050
Badrooster Home Loan (Joint)$500
PG&E + Comcast + Verizon$301
HOA Fees$245
Netflix + Spotify + Apple + Prime + YouTube$73
Total Recurring (excl. main house payment) $1,619

Spending by Category
Category Total % of Total # Txns Avg/Txn
Housing (House Payment + Home Loan)$10,22439.4%14$730
Groceries$7,31228.2%158$46
Dining & Coffee$4,51217.4%109$41
Transportation$3,24512.5%71$46
Subscriptions$1,8477.1%24$77
Interest & Fees$8923.4%19$47
-,847