Bianca Personal
Bianca Budget
Real Estate Income (VariableR 0
Chealse Court Guest HouseR 5 000
MTN CellphoneR 0
InsuranceR 0
Vehicle FinanceR 0
Groceries (House, staff, animals)R 8 000
FuelR 0
Financial operating system
Flack Cash
Combined income
R 53 777
Combined expenses
R 79 026
Net position
-R 25 249
Debt exposure
R 196 817
Actual vs Budget Baseline
Workbook seededExpense Share
-R 3 000
EAMENE Business
EAMENE Budget
Business RevenueR 3 500
Vehicle CostsR 5 887
Vehicle CatchupR 17 154
Fuel & TransportR 4 000
InsuranceR 3 963
MTNR 4 096
MTN CatchupR 4 096
Microsoft, Livedrive Backup, AppleR 2 500
Ray Personal
Ray Budget
Fourpointzero IncomeR 6 800
Ray Salary - SilverpointR 29 000
Ray OvertimeR 2 677
Rent ContributionR 12 500
Electricity ContributionR 5 000
Water ContributionR 2 500
Maid - VikiR 4 500
MicrosoftR 400
Melon MobileR 0
AI subscriptionsR 400
NetflixR 0
Medical AidR 0
InternetR 1 200
GardenR 700
RubyNet Systems
RUBYNET Budget
Business RevenueR 6 800
Datakeepers - Server hostingR 1 960
Interserver - Server hostingR 170
Upload Control
Statement imports
PDF, CSV, and Excel intake for Capitec, Standard Bank, FNB, ABSA, and Nedbank.
Receipt scanner
Phone camera upload with OCR, VAT, merchant, line item, and category extraction.
Monthly reminder
Statements are due on the 1st; missing statement alerts are enabled.
Subscriptions
Monthly tracked total: R 7 026
AppleR 0
ClaudeR 200
DatakeepersR 1 960
GoogleR 0
InterserverR 170
MTNR 4 096
Melon MobileR 0
MicrosoftR 400
AI Insights
Workbook net position is negative
Combined income is R46976.96; combined expenses are R76896.1; net is R-29919.14.
EAMENE drives the cashflow risk
EAMENE Business has R41,696.10 expenses against R3,500 income, mostly vehicle, MTN, insurance, and catch-up items.
Subscriptions require monthly audit
AI subscriptions, Microsoft, hosting, MTN, Apple, Google, Rain, Starlink, and entertainment services are initialized for recurring review.