💼 Dwad Lane — Financial Position
As of Jun 9, 2026 · Updated from UB CC June statement + session intel
📍 Where You Stand Right Now
A snapshot of your money — what you own, what you owe, and what others owe you. Think of this as your personal balance sheet.
UB Savings Balance
?Your UnionBank savings account — the main account where money lands and gets sent from. This is the closest thing to "cash on hand."
₱1,217,710
Main account · live balance Jun 9, 2026
Credit Card Debt (UB)
?How much you currently owe on your UnionBank credit card. This is money you've spent but haven't paid back yet. It costs you interest every month until cleared.
−₱53,110
UB Cashback Platinum · current outstanding (post Jun payments)
Net Worth (PHP, known)
?What you'd have left if you paid off all your known PHP debts today. Formula: UB Savings minus UB CC balance. Doesn't yet include your SGD, AUD, and GCash accounts.
₱1,164,600
UB Savings minus UB CC · SB CC disputed (~₱300K showing, ₱300K Mar+₱100K Jun payments unconfirmed) · OCBC/ING/GCash TBD
Money You're Owed (AR)
?AR = Accounts Receivable. This is money people owe YOU — invoices you've sent that haven't been paid yet. Both invoices are past their due date.
₱371,255
INV-2026-002 (Month 2) · ₱167K · send now
Expense Reimbursements Due
?Money you paid out of pocket for work/family expenses that you're entitled to get back. These are legitimate claims you've submitted — just not yet received.
₱94,840+
Defibrillator (Mindray, TBD) + Elle recent submission — tally pending
Credit Card Interest (YTD)
?This is money paid purely as a penalty for carrying a credit card balance — it buys you nothing. YTD = Year to Date (Jan–May 2026). At this rate you're burning ~₱9,100/month just in interest fees.
₱54,794
≈ ₱9,132/month wasted · SB + UB combined · Jan–May 2026
⚠️ Net worth is incomplete. You still have money in OCBC (Singapore), ING (Australia), and GCash that isn't counted here. The real number is higher — we just don't know by how much yet.
📈 Monthly Cash Flow
?Cash flow = money coming in vs. money going out each month. Green bars = deposits. Red bars = withdrawals. When red is bigger than green, you spent more than you received that month.
This shows your UB Savings account activity month by month — the raw flow of money in and out. Note: the massive outflows in Jan–Mar were Kai's medical bills being paid off via credit card.
UB Savings — Dec 2025 to May 2026
🏥 Jan–Mar 2026 explained: Kai's hospitalization and cardiac treatment at Makati Medical Center (₱766K total) was charged to the Security Bank credit card, then paid off from savings in large lump sums. The Feb ₱1M inflow was a consulting payment from Gerry that covered it. This was a one-time emergency event — not a recurring spending pattern.
✅ April turned green because a ₱290K consulting payment + ₱120K international transfer landed — while spending was low. Normal baseline is expected to be around ₱100–150K out per month once medical bills are fully cleared.
2026 YTD Spending — By Category
?Where your money actually went in 2026, split by category. Based on credit card statement data (SB + UB cards). The Medical slice looks huge — that's because of Kai's hospitalization. In a normal year it would be near zero.
Credit card charges only (SB + UB statements). Hover each slice to see the peso amount and percentage.
Monthly Household Allocation to Elle
?Each month, a transfer goes to Elle's BDO account to cover household expenses — groceries, staff wages (Gloria), and day-to-day family needs. The amounts vary by month depending on what was available.
Transfers sent to Elle's BDO account for groceries, staff, and household expenses. Bar length = relative size vs. the largest month (₱150K).
Total across 7 transfers
₱670,000
May's ₱30K looks low — the household may need more before month-end.
🟡 AR — INV-2026-002 Outstanding
?An invoice is a bill you sent to a client asking them to pay you. These two are past their due date, meaning payment is late. Total owed to you: ₱371,255.
INV-2026-001 (VGL LMS) + LFO-2026-001 (Lane Holdings) both PAID Month 1. INV-2026-002 (Month 2, ₱167K) drafted — send now.
| Invoice # | Who Owes You | Due Date | Amount | Status |
|---|
| LFO-2026-001 |
Lane Holdings / Gerry
Consulting fee for estate work |
Jun 9, 2026 |
₱204,255 |
✅ PAID |
| INV-2026-001 |
Virginia G. Lane (VGL LMS)
fCAIO Month 1 engagement |
May 22, 2026 |
₱167,000 |
✅ PAID |
💸 ₱371,255 is sitting uncollected. This is real money you've earned — it's just in someone else's account right now. Both need a follow-up message today.
💳 Monthly Credit Card Payments
?Each month, money is transferred from savings to pay the credit card bills. This table shows how much was paid to each card per month. The Feb/Mar amounts are high because of Kai's medical bills that were charged to the SB card.
How much was paid each month from savings to clear the credit card balances. UB = UnionBank card. SB = Security Bank card. A normal month is ₱50–130K total. Feb–Mar were emergency payoffs.
| Month | UB Card Paid | SB Card Paid | Monthly Total | Context |
|---|
| Dec 2025 | ₱50,000 | ₱50,000 | ₱100,000 | Normal |
| Jan 2026 | ₱80,000 | ₱45,000 | ₱125,000 | Normal |
| Feb 2026 | ₱250,000 | ₱300,000 | ₱550,000 | Medical payoff |
| Mar 2026 | ₱112,234 | ₱400,000 | ₱512,234 | Medical payoff |
| Apr 2026 | ₱20,000 | ₱10,000 | ₱30,000 | Low spend month |
| May 2026 | ₱100,000 | ₱15,000 | ₱115,000 | Normal |
| 6-MONTH TOTAL | ₱612,234 | ₱820,000 | ₱1,432,234 | |
📊 Where the Money Went — Top Merchants
?The biggest individual places where money was spent in 2026 so far, based on credit card statements. Makati Medical is #1 because of Kai's hospitalization — that's a one-time event, not an ongoing cost.
Ranked by total spent. Based on SB + UB credit card data. Jan–May 2026 only.
| Where | Total Spent | What It Is |
|---|
| Makati Medical Center |
₱766,690 |
4 charges · one-time 2026
Kai's cardiac hospitalization + follow-up |
| Grab |
₱110,318 |
146 transactions
Food delivery + transport (GrabCar, GrabFood) |
| Lazada PH |
₱35,522 |
10 orders
Online shopping |
| CC Interest Charges |
₱54,794 |
Ongoing burn
Money paid as penalty for carrying a balance — buys you nothing |
| ChatGPT |
₱20,841 |
Possible 2 subscriptions
Charged on both UB and SB cards — investigate if two accounts active |
| Kubera.com |
₱15,345 |
Annual · review
Net worth tracking app — now potentially replaced by this CFO system |
| Hostinger |
₱14,470 |
Annual charge
Web hosting service (annual renewal) |
| Claude.ai |
₱13,881 |
✓ Keep
AI assistant (Donna). Core operating tool. |
| Tradeify |
₱13,655 |
Possible 2 entries
Trading platform — two billing entries on same card, needs investigation |
| iHerb |
₱12,820 |
2 orders
Health supplements shipped from US |
✂️ Money Being Left on the Table
?These are recurring charges identified as potential waste — duplicate subscriptions, unused services, or tools sitting idle. Cutting these doesn't require sacrificing anything meaningful.
Based on a full audit of all subscriptions and recurring charges. Conservative estimate — actual savings could be higher once duplicate accounts are confirmed.
Definite Kills
?Services where you're already paying for a better alternative. Example: you pay for both LastPass AND Bitwarden — two password managers. Keep one, kill one.
₱6,567/yr
LastPass (you have Bitwarden) · Any.do (you have TickTick) · CryptoReviewing · Scribd · FXReplay. These can be cancelled this week.
Trading Tools (Sitting Idle)
?You're paying for 5 trading research tools while trading is on hold. Until you're actively trading again, these are ₱5,900/month for nothing. Keeping just one costs ~₱1,400/mo instead.
₱70,800/yr
Tradeify, Nansen, Enter the Nexus, Trading Floor, Dojo. Keep 1. Park the rest until trading goes active.
Possible Duplicate Subscriptions
?These services appear to be charged twice — possibly two active accounts on two different cards, or a billing glitch. Each needs a quick login to confirm before cancelling.
~₱50,000/yr
ChatGPT, Tradeify, Evernote, Shadow, LinkedIn — all showing two charges. Need login check to confirm. If real, cancel the duplicate.
Total Savings Opportunity
?If all suspected duplicates are confirmed and trading tools are cut to one, this is the estimated annual saving. That's ₱6,700–₱10,800 per month back in your pocket — without cutting anything you actually use.
₱80–130K/yr
Conservative floor. That's ₱6,700–10,800/month — just from housekeeping, not lifestyle cuts.
Generated by Donna v3 · 2026-05-24 · finance.db · 1,885 transactions · Hover the ? icons for plain-English explanations