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Expenses

Everything that leaves: the bills you know, the spending you estimate, and the one-offs.

Expenses — the month-by-month burn over the bills & allowances table, grouped by category

Bills and allowances

A cost is one of two kinds. A bill is real and dated — £320 desk rent on the 1st — and lands on its date in the forecast. An allowance is a rate you estimate — “about £340 a month on groceries” — and spreads evenly, so £340/mo and £4,080/yr are the same allowance said two ways. The tiny piggy bank () on a bill’s date turns it into an allowance; an allowance’s “spread evenly” is the way back. Every burn surface — the forecast, the month cards, the VAT estimate — reads both kinds correctly by construction.

The table

The bills & allowances table close up — category bands with their monthly and yearly sums, account and cadence per row, the piggy bank on allowances

Grouped by category, each band summing its /mo and /yr; rows carry account (Personal or Business — Business costs also count against profit for the tax estimate), amount and cadence, VAT (allowances opt in), and the billing date, written the way you’d say it — monthly bills as “the 12th”, longer cadences by their next occurrence. The masthead reads the whole burn: a typical month, the year, and how this month is tracking against typical — with Coming up listing the next 30 days’ payments.

Purchases

The Purchases shelf is for one-time spending — gear, software, anything bought once. The quick-add remembers your last category and account, so logging a run of receipts is fast. Costs you incur for a project (a rental you’ll rebill) don’t belong here by hand — give the project’s extra a cost on its card, and it files itself under Purchases as a rebilled row, books in the forecast, and reclaims its VAT.

Tax payments never belong in Expenses — the forecast already holds tax back, so a tax bill filed as spending would count twice. toqe nudges if an added expense is named like one; the Tax page has its own log.