August 2026, closed — $3,412.80 across 214 payments. Housing and groceries took over half of it, and the part you can actually steer fell for the second month running.
Headline figures
Spent in August
$3,412.80
-6.4%vs July
Renews every month
$1,186
+1.5%35% of the total
One-off spending
$2,226.80
-10.2%the part you can steer
Daily average
$110.09
-6.4%over 31 days
Heaviest day
$1,351
1 August — rent, plus the shop
A Saturday
$262
the weekly shop, every week
A weekday
$48
35 days in the quarter cost under $50
Rent is the only line the calendar cannot hide — the 1st is the darkest cell in every month. Everything else is the shop on Saturday and dinner on Friday; the rest of the week barely registers.
Housing alone is 35% — the one bucket that does not move whatever the month does.
December is the outlier every year. Strip it out and the twelve months sit inside a $668 band.
Nine smaller categories account for the remaining −$141.