Built from your existing spending analysis so you can quickly show the overall budget gap, recurring obligations, deferred necessities, and the specific PayPal items that still need explanation during mediation.
Current monthly income
$4,394
ADP + St. Francis only. UMA excluded.
Confirmed recurring
$4,827
Known monthly obligations before one-time costs.
Monthly shortfall
-$433
This is the main headline for mediation.
Key summary
Income
$4,394
Current monthly income
Recurring
$4,827
Confirmed monthly obligations
Shortfall
-$433
Before surprises or repairs
Deferred now
~$1,100
Brakes + tires
Current income does not cover current obligations. The gap exists before any one-time costs, emergency expense, or catch-up payment is added.
Deferred repairs are safety-related. Brakes and tires are necessary to keep transportation available for work and daycare.
Adjunct income is variable. The St. Francis amount is semester-based and may not remain steady year-round.
Quick talking points
Income is already less than recurring bills by $433 per month.
Debt service alone is a large share of income.
Vehicle repairs are being delayed because there is no available cash.
Food and household costs should be explained in plain, realistic terms.
Some PayPal charges still need identification, but they do not fix the budget gap.
Use this app for
1. Reviewing totals before mediation 2. Showing where the monthly shortfall exists 3. Explaining which PayPal charges are already accounted for 4. Keeping a clean print-ready view on phone or desktop
Category
Detail
Monthly
Housing & Home
Mortgage
PayPal to wife
$800
Water
Withlacoochee River average
$170
Electric
Pasco County average
$212
Internet
Frontier Communications
$50
Trash
Waste-Aid
$30
Cable / Live TV
YouTube TV via PayPal
$94
Storage Unit
Extra Space Storage
$136
Yard Maintenance
Lawn service
$60
Debt Service
SuncoastCU Loan
Monthly auto-debit
$655
Westgate Resorts
Timeshare payment
$287
Elara / HGV Timeshare
Monthly
$175
DirectorsCU
Monthly
$91
Chase / Other
Estimated monthly average Debt service 28% of income
$30
Children
Daycare
$145 × 2 payments
$290
Florida Prepaid
College savings
$135
Transportation
Gas
Approx. 2 fill-ups
$150
Cell Phone
Visible + T-Mobile
$90
Food
Groceries & Household
Publix, Walmart, Dollar Tree
$248
Restaurants & Dining
Fast food, delivery, takeout
$362
Streaming & Subscriptions
Netflix
Via PayPal
$28
Apple iCloud 2TB
Monthly
$10
Pandora + Canva
Combined Apple billing
$20
YouTube Premium · Emby · Zoom
Combined recurring
$31
Unidentified Apple
Still needs confirmation
$12
Business Tools
Workspace + ChatGPT + others
Google Workspace, SureForms, Skool, Todd Consult, other tools
$164
Shopping
Amazon / Online Shopping
2-month average
$398
Unidentified monthly items
HQMEDIA, Femme Fatale, Google LLC GOOG
$67
Total confirmed recurring
$4,827
The recurring total already exceeds current income without counting new emergencies.
PayPal Item
Status
Monthly
Confirmed and already counted
GOOGLE GOOGLE_Y
YouTube TV Confirmed
$94
Apple iCloud 2TB
Storage Confirmed
$10
Apple
Pandora + Canva Confirmed
$20
Netflix · Zoom · YouTube Premium · Emby
Recurring services Confirmed
$59
MG238DC
Mortgage to wife Confirmed
$800
Still needs your explanation
Apple $12.08
Exact same charge monthly
$12
HQMEDIA
Appears around $6 monthly
$6
Femme Fatale Media Group
Appears at $7 monthly
$7
Google LLC GOOG
Separate from YouTube TV
$54
If all four unidentified items are recurring, that adds about $79 more per month. It makes the shortfall worse, not better.
Item
Why it matters
Cost
Vehicle safety
Brake replacement
Needed for safe driving to work and daycare
~$400
New tires
Worn tires increase risk, especially in rain
~$700
Ongoing maintenance
Oil changes
Routine protection against larger engine issues
$95/visit
Maintenance reserve
Filters, fluids, belts, older-vehicle upkeep
~$50/mo
Medical / household
Medical co-pays / prescriptions
Routine care being delayed
Varies
Dental care
Preventive care deferred
Varies
Home or appliance repair
Any failure would create an immediate new expense
Unpredictable
Immediate known deferred costs
~$1,100
These are not optional. They are being delayed because there is no room in the budget.
Item
Type
Amount
Travel & Professional
NYC business trip
Flights, rides, baggage Business travel
$970
Leveling Up course
Training Course
$44
Personal / entertainment
Personal care items
Nails, eyewear, similar
$241
Entertainment items
Underdog, Cash App, Bounce City
$259
Software & tools
AppSumo
Two purchases Software
$228
Other software purchases
Paddle, Nichesss, PixelNX, CalendarJet, others
$315
Annual renewals paid upfront
Pixistock, Prime Club, Freepik
$456
Miscellaneous
Fraternal and one-off PayPal items
Haken Temple and other one-off charges
$418
Miscellaneous small one-offs
Scholastic and other single charges
$131
Total one-time in 2-month period
$3,062
The biggest non-recurring driver was the NYC business trip plus annual renewals.
Suggested mediation prep
State the core point first: monthly bills exceed current income by about $433 before emergencies.
Be ready to identify the four unresolved PayPal charges or say they are still being verified.
Explain dining and grocery costs in context of work schedule, family needs, and childcare logistics.
Point out that brakes and tires are being delayed, even though they are necessary.
Note that adjunct income is variable and not guaranteed throughout the year.
Use the print button to save a clean PDF for court or mediation.
Main message
There is no real surplus available for an aggressive repayment plan without cutting required living expenses or falling behind elsewhere.
Helpful reminder
This app is intentionally read-only, with no AI and no storage, so it stays simple to load and easy to present on mobile.