{ "income": 0, "expenses": [ { "id": "x-mortgage", "name": "Mortgage", "type": "Mortgage", "amount": 0, "trialEndDate": "" }, { "id": "x-rent", "name": "Rent", "type": "Rent", "amount": 0, "trialEndDate": "" }, { "id": "x-ctax", "name": "Council Tax", "type": "Council Tax", "amount": 0, "trialEndDate": "" }, { "id": "x-gas", "name": "Gas/Electricity", "type": "Utilities", "amount": 0, "trialEndDate": "" }, { "id": "x-mobile", "name": "Mobile", "type": "Utilities", "amount": 0, "trialEndDate": "" }, { "id": "x-broadband", "name": "Broadband", "type": "Utilities", "amount": 0, "trialEndDate": "" }, { "id": "x-groceries", "name": "Groceries", "type": "Groceries", "amount": 0, "trialEndDate": "" }, { "id": "x-transport", "name": "Transport/Fuel", "type": "Transport", "amount": 0, "trialEndDate": "" }, { "id": "x-carins", "name": "Car Insurance", "type": "Insurance", "amount": 0, "trialEndDate": "" }, { "id": "x-netflix", "name": "Netflix", "type": "Subscriptions", "amount": 0, "trialEndDate": "" } ], "budgetTransactions": [ { "id": "bt-53", "date": "2026-07-27", "description": "ACME LTD SALARY", "amount": 3200, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-54", "date": "2026-07-27", "description": "SHELL FILLING STATION", "amount": 21.28, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-52", "date": "2026-07-26", "description": "PRET A MANGER", "amount": 10.47, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-51", "date": "2026-07-25", "description": "TESCO STORES", "amount": 38.42, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-50", "date": "2026-07-24", "description": "TRAINLINE", "amount": 20.09, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-4z", "date": "2026-07-19", "description": "TFL TRAVEL CHARGE", "amount": 39.43, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-4y", "date": "2026-07-18", "description": "GREGGS", "amount": 6.21, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-4w", "date": "2026-07-16", "description": "TFL CYCLE HIRE", "amount": 14.32, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-4x", "date": "2026-07-16", "description": "TFL TRAVEL CHARGE", "amount": 41.78, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-4v", "date": "2026-07-15", "description": "CO-OP GROUP", "amount": 39.93, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-4t", "date": "2026-07-12", "description": "SAINSBURYS SMKT", "amount": 62.15, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-4u", "date": "2026-07-12", "description": "CASH WITHDRAWAL LINK ATM", "amount": 40, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-4r", "date": "2026-07-11", "description": "VANGUARD INVEST", "amount": 200, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-4s", "date": "2026-07-11", "description": "SAINSBURYS SMKT", "amount": 23.46, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-4p", "date": "2026-07-10", "description": "ADMIRAL CAR INSURANCE", "amount": 47.6, "reference": "", "matchedExpenseId": "x-carins", "ignored": false }, { "id": "bt-4q", "date": "2026-07-10", "description": "GREGGS", "amount": 5.17, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-4n", "date": "2026-07-09", "description": "SPOTIFY", "amount": 11.99, "reference": "", "matchedExpenseId": null, "ignored": false }, { "id": "bt-4o", "date": "2026-07-09", "description": "ALDI STORES", "amount": 38.97, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-4m", "date": "2026-07-08", "description": "NETFLIX", "amount": 10.99, "reference": "", "matchedExpenseId": "x-netflix", "ignored": false }, { "id": "bt-4k", "date": "2026-07-07", "description": "BT GROUP BROADBAND", "amount": 33.99, "reference": "", "matchedExpenseId": "x-broadband", "ignored": false }, { "id": "bt-4l", "date": "2026-07-07", "description": "CO-OP GROUP", "amount": 32.12, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-4i", "date": "2026-07-06", "description": "VODAFONE", "amount": 21, "reference": "", "matchedExpenseId": "x-mobile", "ignored": false }, { "id": "bt-4j", "date": "2026-07-06", "description": "BARCLAYCARD PAYMENT", "amount": 150, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-4f", "date": "2026-07-05", "description": "BRITISH GAS ENERGY", "amount": 118.5, "reference": "", "matchedExpenseId": "x-gas", "ignored": false }, { "id": "bt-4g", "date": "2026-07-05", "description": "CO-OP GROUP", "amount": 29.41, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-4h", "date": "2026-07-05", "description": "PRET A MANGER", "amount": 10.56, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-4e", "date": "2026-07-04", "description": "LWANDLE BC COUNCIL TAX", "amount": 194, "reference": "", "matchedExpenseId": "x-ctax", "ignored": false }, { "id": "bt-4c", "date": "2026-07-03", "description": "HALIFAX MORTGAGE", "amount": 1150.42, "reference": "", "matchedExpenseId": "x-mortgage", "ignored": false }, { "id": "bt-4d", "date": "2026-07-03", "description": "ARGOS", "amount": 93.35, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-4b", "date": "2026-07-02", "description": "TRANSFER TO SAVINGS", "amount": 300, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-4a", "date": "2026-06-27", "description": "ACME LTD SALARY", "amount": 3200, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-49", "date": "2026-06-25", "description": "JUST EAT", "amount": 33.25, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-48", "date": "2026-06-23", "description": "TRAINLINE", "amount": 5.52, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-47", "date": "2026-06-20", "description": "CO-OP GROUP", "amount": 25.7, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-46", "date": "2026-06-19", "description": "BOOTS", "amount": 14.79, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-43", "date": "2026-06-18", "description": "SAINSBURYS SMKT", "amount": 27.44, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-44", "date": "2026-06-18", "description": "SHELL FILLING STATION", "amount": 47.94, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-45", "date": "2026-06-18", "description": "TFL CYCLE HIRE", "amount": 4.5, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-40", "date": "2026-06-17", "description": "TESCO STORES", "amount": 36.43, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-41", "date": "2026-06-17", "description": "TFL CYCLE HIRE", "amount": 14.79, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-42", "date": "2026-06-17", "description": "SCREWFIX", "amount": 55.39, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-3y", "date": "2026-06-15", "description": "M&S SIMPLY FOOD", "amount": 38.75, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-3z", "date": "2026-06-15", "description": "SAINSBURYS SMKT", "amount": 41.1, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-3w", "date": "2026-06-12", "description": "SAINSBURYS SMKT", "amount": 47.5, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-3x", "date": "2026-06-12", "description": "CASH WITHDRAWAL LINK ATM", "amount": 40, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-3v", "date": "2026-06-11", "description": "VANGUARD INVEST", "amount": 200, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-3u", "date": "2026-06-10", "description": "ADMIRAL CAR INSURANCE", "amount": 47.6, "reference": "", "matchedExpenseId": "x-carins", "ignored": false }, { "id": "bt-3t", "date": "2026-06-09", "description": "SPOTIFY", "amount": 11.99, "reference": "", "matchedExpenseId": null, "ignored": false }, { "id": "bt-3r", "date": "2026-06-08", "description": "NETFLIX", "amount": 10.99, "reference": "", "matchedExpenseId": "x-netflix", "ignored": false }, { "id": "bt-3s", "date": "2026-06-08", "description": "H&M", "amount": 43.76, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-3q", "date": "2026-06-07", "description": "BT GROUP BROADBAND", "amount": 33.99, "reference": "", "matchedExpenseId": "x-broadband", "ignored": false }, { "id": "bt-3n", "date": "2026-06-06", "description": "VODAFONE", "amount": 21, "reference": "", "matchedExpenseId": "x-mobile", "ignored": false }, { "id": "bt-3o", "date": "2026-06-06", "description": "THE RED LION PUB", "amount": 34.17, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-3p", "date": "2026-06-06", "description": "BARCLAYCARD PAYMENT", "amount": 150, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-3l", "date": "2026-06-05", "description": "BRITISH GAS ENERGY", "amount": 118.5, "reference": "", "matchedExpenseId": "x-gas", "ignored": false }, { "id": "bt-3m", "date": "2026-06-05", "description": "TRAINLINE", "amount": 7, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-3k", "date": "2026-06-04", "description": "LWANDLE BC COUNCIL TAX", "amount": 194, "reference": "", "matchedExpenseId": "x-ctax", "ignored": false }, { "id": "bt-3i", "date": "2026-06-03", "description": "HALIFAX MORTGAGE", "amount": 1150.42, "reference": "", "matchedExpenseId": "x-mortgage", "ignored": false }, { "id": "bt-3j", "date": "2026-06-03", "description": "M&S SIMPLY FOOD", "amount": 62.26, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-3g", "date": "2026-06-02", "description": "TRANSFER TO SAVINGS", "amount": 300, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-3h", "date": "2026-06-02", "description": "CO-OP GROUP", "amount": 69.59, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-3f", "date": "2026-05-27", "description": "ACME LTD SALARY", "amount": 3200, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-3e", "date": "2026-05-24", "description": "JUST EAT", "amount": 23.94, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-3c", "date": "2026-05-23", "description": "CO-OP GROUP", "amount": 24.75, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-3d", "date": "2026-05-23", "description": "TRAINLINE", "amount": 19.37, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-3b", "date": "2026-05-21", "description": "PRET A MANGER", "amount": 9.51, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-39", "date": "2026-05-20", "description": "TESCO STORES", "amount": 30.98, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-3a", "date": "2026-05-20", "description": "DELIVEROO", "amount": 21.42, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-37", "date": "2026-05-17", "description": "CO-OP GROUP", "amount": 59.11, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-38", "date": "2026-05-17", "description": "TFL CYCLE HIRE", "amount": 34.56, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-36", "date": "2026-05-16", "description": "ALDI STORES", "amount": 71.35, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-34", "date": "2026-05-12", "description": "TFL TRAVEL CHARGE", "amount": 4.76, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-35", "date": "2026-05-12", "description": "CASH WITHDRAWAL LINK ATM", "amount": 40, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-31", "date": "2026-05-11", "description": "VANGUARD INVEST", "amount": 200, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-32", "date": "2026-05-11", "description": "TESCO STORES", "amount": 48.01, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-33", "date": "2026-05-11", "description": "TRAINLINE", "amount": 20.9, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-30", "date": "2026-05-10", "description": "ADMIRAL CAR INSURANCE", "amount": 47.6, "reference": "", "matchedExpenseId": "x-carins", "ignored": false }, { "id": "bt-2z", "date": "2026-05-09", "description": "SPOTIFY", "amount": 11.99, "reference": "", "matchedExpenseId": null, "ignored": false }, { "id": "bt-2y", "date": "2026-05-08", "description": "NETFLIX", "amount": 10.99, "reference": "", "matchedExpenseId": "x-netflix", "ignored": false }, { "id": "bt-2x", "date": "2026-05-07", "description": "BT GROUP BROADBAND", "amount": 33.99, "reference": "", "matchedExpenseId": "x-broadband", "ignored": false }, { "id": "bt-2v", "date": "2026-05-06", "description": "VODAFONE", "amount": 21, "reference": "", "matchedExpenseId": "x-mobile", "ignored": false }, { "id": "bt-2w", "date": "2026-05-06", "description": "BARCLAYCARD PAYMENT", "amount": 150, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-2t", "date": "2026-05-05", "description": "BRITISH GAS ENERGY", "amount": 118.5, "reference": "", "matchedExpenseId": "x-gas", "ignored": false }, { "id": "bt-2u", "date": "2026-05-05", "description": "TESCO STORES", "amount": 23.01, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-2q", "date": "2026-05-04", "description": "LWANDLE BC COUNCIL TAX", "amount": 194, "reference": "", "matchedExpenseId": "x-ctax", "ignored": false }, { "id": "bt-2r", "date": "2026-05-04", "description": "TESCO STORES", "amount": 22.21, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-2s", "date": "2026-05-04", "description": "ARGOS", "amount": 70.92, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-2o", "date": "2026-05-03", "description": "HALIFAX MORTGAGE", "amount": 1150.42, "reference": "", "matchedExpenseId": "x-mortgage", "ignored": false }, { "id": "bt-2p", "date": "2026-05-03", "description": "DELIVEROO", "amount": 23.84, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-2n", "date": "2026-05-02", "description": "TRANSFER TO SAVINGS", "amount": 300, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-2l", "date": "2026-05-01", "description": "CO-OP GROUP", "amount": 53.08, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-2m", "date": "2026-05-01", "description": "SHELL FILLING STATION", "amount": 27.56, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-2k", "date": "2026-04-27", "description": "ACME LTD SALARY", "amount": 3200, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-2i", "date": "2026-04-26", "description": "M&S SIMPLY FOOD", "amount": 56.16, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-2j", "date": "2026-04-26", "description": "TESCO STORES", "amount": 23.75, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-2h", "date": "2026-04-24", "description": "SAINSBURYS SMKT", "amount": 25.53, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-2g", "date": "2026-04-23", "description": "TFL TRAVEL CHARGE", "amount": 44.55, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-2e", "date": "2026-04-21", "description": "M&S SIMPLY FOOD", "amount": 35.28, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-2f", "date": "2026-04-21", "description": "SHELL FILLING STATION", "amount": 5.3, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-2d", "date": "2026-04-19", "description": "JUST EAT", "amount": 23.39, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-2c", "date": "2026-04-17", "description": "GREGGS", "amount": 7.54, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-2a", "date": "2026-04-13", "description": "CO-OP GROUP", "amount": 23.63, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-2b", "date": "2026-04-13", "description": "ALDI STORES", "amount": 34.75, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-28", "date": "2026-04-12", "description": "SCREWFIX", "amount": 52.17, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-29", "date": "2026-04-12", "description": "CASH WITHDRAWAL LINK ATM", "amount": 40, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-26", "date": "2026-04-11", "description": "VANGUARD INVEST", "amount": 200, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-27", "date": "2026-04-11", "description": "H&M", "amount": 14.6, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-25", "date": "2026-04-10", "description": "ADMIRAL CAR INSURANCE", "amount": 47.6, "reference": "", "matchedExpenseId": "x-carins", "ignored": false }, { "id": "bt-23", "date": "2026-04-09", "description": "SPOTIFY", "amount": 11.99, "reference": "", "matchedExpenseId": null, "ignored": false }, { "id": "bt-24", "date": "2026-04-09", "description": "COSTA COFFEE", "amount": 4.14, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-22", "date": "2026-04-08", "description": "NETFLIX", "amount": 10.99, "reference": "", "matchedExpenseId": "x-netflix", "ignored": false }, { "id": "bt-20", "date": "2026-04-07", "description": "BT GROUP BROADBAND", "amount": 33.99, "reference": "", "matchedExpenseId": "x-broadband", "ignored": false }, { "id": "bt-21", "date": "2026-04-07", "description": "M&S SIMPLY FOOD", "amount": 37.85, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-1x", "date": "2026-04-06", "description": "VODAFONE", "amount": 21, "reference": "", "matchedExpenseId": "x-mobile", "ignored": false }, { "id": "bt-1y", "date": "2026-04-06", "description": "SHELL FILLING STATION", "amount": 4.73, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-1z", "date": "2026-04-06", "description": "BARCLAYCARD PAYMENT", "amount": 150, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-1v", "date": "2026-04-05", "description": "BRITISH GAS ENERGY", "amount": 118.5, "reference": "", "matchedExpenseId": "x-gas", "ignored": false }, { "id": "bt-1w", "date": "2026-04-05", "description": "SHELL FILLING STATION", "amount": 14.18, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-1u", "date": "2026-04-04", "description": "LWANDLE BC COUNCIL TAX", "amount": 194, "reference": "", "matchedExpenseId": "x-ctax", "ignored": false }, { "id": "bt-1s", "date": "2026-04-03", "description": "HALIFAX MORTGAGE", "amount": 1150.42, "reference": "", "matchedExpenseId": "x-mortgage", "ignored": false }, { "id": "bt-1t", "date": "2026-04-03", "description": "SAINSBURYS SMKT", "amount": 76.49, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-1q", "date": "2026-04-02", "description": "TRANSFER TO SAVINGS", "amount": 300, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-1r", "date": "2026-04-02", "description": "TRAINLINE", "amount": 11.89, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-1n", "date": "2026-03-27", "description": "ACME LTD SALARY", "amount": 3200, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-1o", "date": "2026-03-27", "description": "ALDI STORES", "amount": 42.88, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-1p", "date": "2026-03-27", "description": "TFL CYCLE HIRE", "amount": 31.2, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-1m", "date": "2026-03-25", "description": "AMAZON MARKETPLACE", "amount": 24.1, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-1l", "date": "2026-03-22", "description": "SAINSBURYS SMKT", "amount": 45.21, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-1k", "date": "2026-03-19", "description": "ARGOS", "amount": 52.21, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-1i", "date": "2026-03-18", "description": "ALDI STORES", "amount": 23.24, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-1j", "date": "2026-03-18", "description": "COSTA COFFEE", "amount": 5.6, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-1g", "date": "2026-03-17", "description": "M&S SIMPLY FOOD", "amount": 26.88, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-1h", "date": "2026-03-17", "description": "TFL TRAVEL CHARGE", "amount": 7.21, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-1f", "date": "2026-03-15", "description": "M&S SIMPLY FOOD", "amount": 56.58, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-1e", "date": "2026-03-14", "description": "JUST EAT", "amount": 17.22, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-1b", "date": "2026-03-12", "description": "CO-OP GROUP", "amount": 31.4, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-1c", "date": "2026-03-12", "description": "TFL TRAVEL CHARGE", "amount": 3.14, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-1d", "date": "2026-03-12", "description": "CASH WITHDRAWAL LINK ATM", "amount": 40, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-1a", "date": "2026-03-11", "description": "VANGUARD INVEST", "amount": 200, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-19", "date": "2026-03-10", "description": "ADMIRAL CAR INSURANCE", "amount": 47.6, "reference": "", "matchedExpenseId": "x-carins", "ignored": false }, { "id": "bt-17", "date": "2026-03-09", "description": "SPOTIFY", "amount": 11.99, "reference": "", "matchedExpenseId": null, "ignored": false }, { "id": "bt-18", "date": "2026-03-09", "description": "TRAINLINE", "amount": 16.49, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-16", "date": "2026-03-08", "description": "NETFLIX", "amount": 10.99, "reference": "", "matchedExpenseId": "x-netflix", "ignored": false }, { "id": "bt-15", "date": "2026-03-07", "description": "BT GROUP BROADBAND", "amount": 33.99, "reference": "", "matchedExpenseId": "x-broadband", "ignored": false }, { "id": "bt-13", "date": "2026-03-06", "description": "VODAFONE", "amount": 21, "reference": "", "matchedExpenseId": "x-mobile", "ignored": false }, { "id": "bt-14", "date": "2026-03-06", "description": "BARCLAYCARD PAYMENT", "amount": 150, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-12", "date": "2026-03-05", "description": "BRITISH GAS ENERGY", "amount": 118.5, "reference": "", "matchedExpenseId": "x-gas", "ignored": false }, { "id": "bt-10", "date": "2026-03-04", "description": "LWANDLE BC COUNCIL TAX", "amount": 194, "reference": "", "matchedExpenseId": "x-ctax", "ignored": false }, { "id": "bt-11", "date": "2026-03-04", "description": "GREGGS", "amount": 5.2, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-x", "date": "2026-03-03", "description": "HALIFAX MORTGAGE", "amount": 1150.42, "reference": "", "matchedExpenseId": "x-mortgage", "ignored": false }, { "id": "bt-y", "date": "2026-03-03", "description": "CO-OP GROUP", "amount": 75.68, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-z", "date": "2026-03-03", "description": "TFL CYCLE HIRE", "amount": 30.68, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-w", "date": "2026-03-02", "description": "TRANSFER TO SAVINGS", "amount": 300, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-v", "date": "2026-03-01", "description": "TESCO STORES", "amount": 41.56, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-t", "date": "2026-02-27", "description": "ACME LTD SALARY", "amount": 3200, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-u", "date": "2026-02-27", "description": "CO-OP GROUP", "amount": 28.33, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-s", "date": "2026-02-26", "description": "PRET A MANGER", "amount": 5.93, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-r", "date": "2026-02-25", "description": "CO-OP GROUP", "amount": 68.19, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-q", "date": "2026-02-24", "description": "TFL CYCLE HIRE", "amount": 13.64, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-p", "date": "2026-02-23", "description": "PRET A MANGER", "amount": 6.32, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-n", "date": "2026-02-19", "description": "ALDI STORES", "amount": 30.35, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-o", "date": "2026-02-19", "description": "SAINSBURYS SMKT", "amount": 36.1, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-m", "date": "2026-02-18", "description": "TFL TRAVEL CHARGE", "amount": 15.51, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-l", "date": "2026-02-17", "description": "GREGGS", "amount": 7.13, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-j", "date": "2026-02-15", "description": "CO-OP GROUP", "amount": 60.43, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-k", "date": "2026-02-15", "description": "TRAINLINE", "amount": 36.3, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-g", "date": "2026-02-14", "description": "TFL CYCLE HIRE", "amount": 15.63, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-h", "date": "2026-02-14", "description": "TFL TRAVEL CHARGE", "amount": 30.31, "reference": "", "matchedExpenseId": "x-transport", "ignored": false }, { "id": "bt-i", "date": "2026-02-14", "description": "AMAZON MARKETPLACE", "amount": 9.21, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-e", "date": "2026-02-12", "description": "ARGOS", "amount": 88.42, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-f", "date": "2026-02-12", "description": "CASH WITHDRAWAL LINK ATM", "amount": 60, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-d", "date": "2026-02-11", "description": "VANGUARD INVEST", "amount": 200, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-c", "date": "2026-02-10", "description": "ADMIRAL CAR INSURANCE", "amount": 47.6, "reference": "", "matchedExpenseId": "x-carins", "ignored": false }, { "id": "bt-b", "date": "2026-02-09", "description": "SPOTIFY", "amount": 11.99, "reference": "", "matchedExpenseId": null, "ignored": false }, { "id": "bt-9", "date": "2026-02-08", "description": "NETFLIX", "amount": 10.99, "reference": "", "matchedExpenseId": "x-netflix", "ignored": false }, { "id": "bt-a", "date": "2026-02-08", "description": "CO-OP GROUP", "amount": 24.5, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-7", "date": "2026-02-07", "description": "BT GROUP BROADBAND", "amount": 33.99, "reference": "", "matchedExpenseId": "x-broadband", "ignored": false }, { "id": "bt-8", "date": "2026-02-07", "description": "SAINSBURYS SMKT", "amount": 76.84, "reference": "", "matchedExpenseId": "x-groceries", "ignored": false }, { "id": "bt-5", "date": "2026-02-06", "description": "VODAFONE", "amount": 21, "reference": "", "matchedExpenseId": "x-mobile", "ignored": false }, { "id": "bt-6", "date": "2026-02-06", "description": "BARCLAYCARD PAYMENT", "amount": 150, "reference": "", "matchedExpenseId": null, "ignored": true }, { "id": "bt-4", "date": "2026-02-05", "description": "BRITISH GAS ENERGY", "amount": 118.5, "reference": "", "matchedExpenseId": "x-gas", "ignored": false }, { "id": "bt-3", "date": "2026-02-04", "description": "LWANDLE BC COUNCIL TAX", "amount": 194, "reference": "", "matchedExpenseId": "x-ctax", "ignored": false }, { "id": "bt-2", "date": "2026-02-03", "description": "HALIFAX MORTGAGE", "amount": 1150.42, "reference": "", "matchedExpenseId": "x-mortgage", "ignored": false }, { "id": "bt-1", "date": "2026-02-02", "description": "TRANSFER TO SAVINGS", "amount": 300, "reference": "", "matchedExpenseId": null, "ignored": true } ], "merchantMap": { "HALIFAX MORTGAGE": "x-mortgage", "LWANDLE BC COUNCIL TAX": "x-ctax", "BRITISH GAS ENERGY": "x-gas", "VODAFONE": "x-mobile", "BT GROUP BROADBAND": "x-broadband", "NETFLIX": "x-netflix", "ADMIRAL CAR INSURANCE": "x-carins", "TESCO STORES": "x-groceries", "SAINSBURYS SMKT": "x-groceries", "ALDI STORES": "x-groceries", "M&S SIMPLY FOOD": "x-groceries", "CO OP GROUP": "x-groceries", "TFL TRAVEL CHARGE": "x-transport", "SHELL FILLING STATION": "x-transport", "TRAINLINE": "x-transport", "TFL CYCLE HIRE": "x-transport" }, "creditCards": [ { "id": "cc-barclay", "issuer": "Barclaycard", "creditLimit": 6000, "btRate": 22.9, "btPromoEnd": "2026-10-10", "mtRate": 0, "mtPromoEnd": "", "purchRate": 24.9, "purchPromoEnd": "", "cashRate": 27.9 } ], "creditCardTransactions": { "cc-barclay": [ { "id": "cc-55", "kind": "debit", "type": "Balance Transfer", "amount": 3200, "date": "2025-11-10", "description": "BALANCE TRANSFER FROM MBNA", "reference": "", "interestApplicable": false }, { "id": "cc-56", "kind": "debit", "type": "Purchase", "amount": 189.99, "date": "2026-03-10", "description": "CURRYS", "reference": "" }, { "id": "cc-57", "kind": "debit", "type": "Purchase", "amount": 62.4, "date": "2026-05-10", "description": "IKEA", "reference": "" }, { "id": "cc-58", "kind": "credit", "type": "Payment", "amount": 150, "date": "2025-12-10", "description": "PAYMENT RECEIVED THANK YOU", "reference": "" }, { "id": "cc-59", "kind": "credit", "type": "Payment", "amount": 150, "date": "2026-01-10", "description": "PAYMENT RECEIVED THANK YOU", "reference": "" }, { "id": "cc-5a", "kind": "credit", "type": "Payment", "amount": 150, "date": "2026-02-10", "description": "PAYMENT RECEIVED THANK YOU", "reference": "" }, { "id": "cc-5b", "kind": "credit", "type": "Payment", "amount": 150, "date": "2026-03-10", "description": "PAYMENT RECEIVED THANK YOU", "reference": "" }, { "id": "cc-5c", "kind": "credit", "type": "Payment", "amount": 150, "date": "2026-04-10", "description": "PAYMENT RECEIVED THANK YOU", "reference": "" }, { "id": "cc-5d", "kind": "credit", "type": "Payment", "amount": 150, "date": "2026-05-10", "description": "PAYMENT RECEIVED THANK YOU", "reference": "" }, { "id": "cc-5e", "kind": "credit", "type": "Payment", "amount": 150, "date": "2026-06-10", "description": "PAYMENT RECEIVED THANK YOU", "reference": "" }, { "id": "cc-5f", "kind": "credit", "type": "Payment", "amount": 150, "date": "2026-07-10", "description": "PAYMENT RECEIVED THANK YOU", "reference": "" }, { "id": "cc-5g", "kind": "credit", "type": "Payment", "amount": 150, "date": "2026-08-10", "description": "PAYMENT RECEIVED THANK YOU", "reference": "" } ] }, "loans": [ { "id": "ln-car", "name": "Car loan", "lender": "Santander", "amount": 14500, "startDate": "2025-05-10", "termMonths": 60, "interestRate": 8.9 } ], "loanPayments": {}, "investments": [ { "id": "iv-vwrp", "name": "Vanguard FTSE Global All Cap", "ticker": "VWRP.LON", "account": "Stocks & Shares ISA", "transactions": [ { "id": "iv-5h", "date": "2026-04-10", "amount": 200, "price": 97.06, "units": 2.06 }, { "id": "iv-5i", "date": "2026-05-10", "amount": 200, "price": 96.68, "units": 2.07 }, { "id": "iv-5j", "date": "2026-06-10", "amount": 200, "price": 95.69, "units": 2.09 }, { "id": "iv-5k", "date": "2026-07-10", "amount": 200, "price": 97.34, "units": 2.05 }, { "id": "iv-5l", "date": "2026-08-10", "amount": 200, "price": 97.02, "units": 2.06 } ] } ], "snapshots": [ { "date": "2026-02-27", "savings": 6729, "investments": 200, "debt": 229967, "netWorth": -223038 }, { "date": "2026-03-27", "savings": 7084, "investments": 201.6, "debt": 228947, "netWorth": -221661.4 }, { "date": "2026-04-27", "savings": 7444, "investments": 203.2, "debt": 227890, "netWorth": -220242.8 }, { "date": "2026-05-27", "savings": 7758, "investments": 409.6, "debt": 226843, "netWorth": -218675.4 }, { "date": "2026-06-27", "savings": 8036, "investments": 619.2, "debt": 225888, "netWorth": -217232.8 }, { "date": "2026-07-27", "savings": 8330, "investments": 832, "debt": 224903, "netWorth": -215741 }, { "date": "2026-08-27", "savings": 8633, "investments": 1048, "debt": 223945, "netWorth": -214264 } ], "savings": [], "savingsTransactions": {}, "mortgageProducts": [ { "id": "mp-1", "type": "Fixed-Rate", "lender": "Halifax", "startDate": "2022-10-14", "debtRemaining": 208500, "termYears": 2, "rate": 2.14 }, { "id": "mp-2", "type": "Fixed-Rate", "lender": "Halifax", "startDate": "2024-10-14", "debtRemaining": 199200, "termYears": 2, "rate": 4.19 } ], "mortgagePayments": [], "mortgageStartDate": "2022-10-14", "mortgageDebt": 199200, "mortgageTermYears": 27, "mortgageInterestRate": 4.19, "mortgageRepaymentType": "repayment", "mortgageRegularOverpayment": 0, "currency": "GBP" }