Sep 2024 – Mar 2026 · 19 months tracked · Edmond, Oklahoma
Total Income
$134,632
Avg $7,086/mo
Total Expenses
$109,595
Avg $5,768/mo
Net Savings
$25,037
Excl. $15K India NRE
Savings Rate
18.6%
19 months
Best Month
Nov 2025
+$6,776.72
Road trip (CO/UT/AZ/NV). 3 Accenture pay cycles.
Worst Month
Mar 2025
-$8,842.87
⚠ Annual Wajebat $12,582. Tax refund $773.
Year-over-Year
Total Earned
$630.15
School (Edmond Public)
$360.15
Substitute / part-time
Stitching Orders
$270.00
Tasneem · Mubaraka · Sarah Lokha · Mustansir D
Earning Timeline
Tip: As school hours and orders grow, consider tracking this as a separate income stream.
Annual Wajebat — Plan Ahead
Wajebat hits every Feb/Mar: Mar 2025 was $12,582.40, Feb 2026 was $11,553.00. Keep ~$12K liquid each Jan.
Monthly Subscriptions ≈ $250
Claude $200 · OpenAI $20 · Amazon Prime $15 · Apple $3 · Google One $2 · Cloudflare $10. Review annually.
Mazda CX-5 Net Cost: $9,600
Bought for $16,600 (Aug 2025), funded by Camry sale $7,000 + $9,600 cash withdrawal. Car ownership cost = net $9,600.
$20,000 Sent to India NRE (May + Dec 2025)
$5K May 2025 + $15K Dec 2025 (Dec 4 + Dec 9) via Continental Exc. Both excluded from income/expenses — not deducted from savings rate.
Best Month: Nov 2025 (+$6,776.72)
Nov 2025 had 3 Accenture pay cycles in one month. Mohan repayment $1,973 boosted May 2025. Road trip CO/UT/AZ/NV still ended positive.
4 Negative Months — All Planned
Nov 2024 (Camry), Mar 2025 (Wajebat), Aug 2025 (Mazda), Feb 2026 (Wajebat). All large planned expenses, not overspending.
Wife's Earnings Growing — $630.15 Total
School: $360.15 (substitute teaching) · Stitching: $270.00 across 4 clients. Growing side income.
GEICO Pattern: Every ~3 Months
Multi-month payments appear every 2–3 months ($46–$481). Not monthly — check renewal date to plan cash flow.
| Month | Income | Expenses | Net | |
|---|---|---|---|---|
| ↗Sep 2024 | $7,000.04 | $1,086.58 | +$5,913.46 | |
| ↗Oct 2024 | $7,290.13 | $5,476.02 | +$1,814.11 | |
| ↗Nov 2024 | $7,081.62 | $8,863.41 | -$1,781.79 | |
| ↗Dec 2024 | $8,695.58 | $5,135.27 | +$3,560.31 | |
| ↗Jan 2025 | $5,799.85 | $2,971.67 | +$2,828.18 | |
| ↗Feb 2025 | $5,711.79 | $2,151.65 | +$3,560.14 | |
| ↗Mar 2025 | $6,545.74 | $15,388.61 | -$8,842.87 | |
| ↗Apr 2025 | $7,589.83 | $4,167.29 | +$3,422.54 | |
| ↗May 2025 | $8,165.43 | $4,407.38 | +$3,758.05 | |
| ↗Jun 2025 | $6,473.71 | $6,162.30 | +$311.41 | |
| ↗Jul 2025 | $6,889.73 | $3,942.34 | +$2,947.39 | |
| ↗Aug 2025 | $6,895.69 | $14,929.01 | -$8,033.32 | |
| ↗Sep 2025 | $7,129.18 | $3,063.37 | +$4,065.81 | |
| ↗Oct 2025 | $7,133.37 | $2,914.17 | +$4,219.20 | |
| ↗Nov 2025 | $11,150.96 | $4,374.24 | +$6,776.72 | |
| ↗Dec 2025 | $6,989.56 | $3,402.15 | +$3,587.41 | |
| ↗Jan 2026 | $4,466.90 | $3,826.23 | +$690.03 | |
| ↗Feb 2026 | $6,716.80 | $14,187.75 | -$7,470.95 | |
| ↗Mar 2026 | $6,906.35 | $3,145.36 | +$3,760.99 | |
| Total | $134,632.26 | $109,594.80 | +$25,037.46 |
All Transactions