🔒 Protected via Cloudflare Access
Full Financial Audit — Dom Vinyard
Period: January 2025 – April 2026 (16 months)
Prepared: 8 April 2026
Data Sources
| Account |
Currency |
Period |
| Wise (62406231) |
GBP |
Jan 2025 – Apr 2026 |
| Wise (62405435) |
USD |
Jan 2025 – Apr 2026 |
| Monzo Current |
GBP |
Apr 2025 – Apr 2026 |
| Monzo Flex (BNPL) |
GBP |
Apr 2025 – Apr 2026 |
| SoFi Joint Checking (2060) |
USD |
Mar 2026 (statement only) |
FX Rate Used: £1 = $1.27 (approximate average)
1. INCOME — £164,340 total (16 months)
Primary: Salary from Central (via Wise USD)
- Total: $119,161 / £93,828 equivalent
- Frequency: Bi-weekly, 22 payments
- Typical payment: ~$5,400/paycheck
Secondary: Rental Income — Hamptons Estates (via Wise GBP)
- Total: £28,985
- Frequency: Monthly
- Typical payment: ~£1,800–2,100/month
Other Income Sources
| Source |
Amount |
Notes |
| GUSTO payroll (USD) |
$16,976 |
Secondary employment? |
| Check Payroll (USD) |
$16,120 |
Secondary employment? |
| Vinyard P+C (GBP) |
£2,000 |
Family/personal |
| SoFi Bank transfers (USD) |
$1,600 |
Internal |
| Momentum (USD) |
$1,136 |
Unclear |
| Franchise Tax Board (USD) |
$1,036 |
CA tax refund |
| IRS refund (USD) |
$309 |
Federal tax refund |
| Monzo (Dominic Vinyard) |
£3,434 |
Self-transfers |
Average monthly income: ~£10,271
2. FIXED COSTS & RECURRING PAYMENTS
🏠 Wise-Based Bills — £113.57/mo
| Item |
Amount |
Frequency |
Annual |
| Google Fi Wireless |
£45.66/mo |
Monthly |
£548 |
| EE (UK mobile) |
£36.25/mo |
Monthly |
£435 |
| Admiral (insurance) |
£21.66/mo |
Monthly |
£260 |
| GiveDirectly (charity) |
£10.00/mo |
Monthly |
£120 |
🏠 SoFi Joint Account — Fixed Costs (March 2026, USD)
| Item |
Amount |
Frequency |
Annual Est. |
| BMW Financial Services |
$700.61/mo |
Monthly |
$8,407 |
| GEICO Auto Insurance |
$438.38/mo |
Monthly |
$5,260 |
| PG&E (electricity) |
$281.90/mo |
Monthly |
$3,383 |
| SFPUC (water/sewer) |
$144.79/mo |
Monthly |
$1,737 |
| CSAA Insurance |
$131.17/mo |
Monthly |
$1,574 |
| Comcast Xfinity |
$109.71/mo |
Monthly |
$1,317 |
| SoFi Fixed Total |
$1,806.56/mo |
|
$21,679 / ~£17,070 |
HMRC & Professional
| Payee |
Amount |
Date |
| HMRC Cumbernauld |
£6,884.34 |
Mar 2026 |
| Judge & Priestley LLP |
£2,718.12 |
Mar 2026 |
| Price Bailey (accountant) |
£1,800 |
Apr 2025 |
3. SUBSCRIPTIONS — £514.62/month (£6,175/year)
| # |
Subscription |
£/month |
Verdict |
| 1 |
Huel |
£54.91 |
✅ Keep if using |
| 2 |
Google Workspace |
£45.95 |
⚠️ Need full plan? |
| 3 |
Google Fi |
£45.66 |
⚠️ Expensive |
| 4 |
Lindy AI |
£39.36 |
❓ Active? |
| 5 |
EE (UK) |
£36.25 |
⚠️ Two phone plans |
| 6 |
Wordware |
£33.60 |
✅ Day job |
| 7 |
n8n Cloud |
£28.80 |
❓ Active? |
| 8 |
Tasklet AI |
£27.56 |
❓ Active? |
| 9 |
Patreon |
£23.62 |
⚠️ Worth it? |
| 10 |
Notion |
£22.60 |
⚠️ Primary tool? |
| 11 |
Admiral Insurance |
£21.66 |
✅ Necessary |
| 12 |
Loom |
£18.90 |
❓ Used often? |
| 13 |
Max (HBO) |
£17.00 |
⚠️ Watching? |
| 14 |
Netflix |
£14.17 |
⚠️ See below |
| 15 |
Kindle Unlimited |
£11.20 |
❓ Reading enough? |
| 16 |
Calendly |
£10.77 |
⚠️ Free tier? |
| 17 |
GiveDirectly |
£10.00 |
✅ Charity |
| 18 |
Proton |
£7.47 |
✅ Keep |
| 19-20 |
Vercel ×2 |
£11.02 |
⚠️ Duplicate? |
| 21-23 |
Netflix ×2 (USD) |
£9.44 |
🔴 TRIPLE PAYING |
| 24 |
Oura Ring |
£4.72 |
✅ Keep |
| 25 |
OpenAI |
£4.51 |
✅ Keep |
| 26 |
GitHub |
£3.01 |
✅ Keep |
🚨 RED FLAG: Netflix ×3
You're billed by Netflix from THREE sources (GBP + 2× USD). £170 spent on what should be one account. Fix today.
4. VARIABLE SPENDING — By Category
| Category |
Total (£) |
Monthly Avg (£) |
% of Spending |
| Transport |
£19,388 |
£1,212 |
19.4% |
| Food/Dining |
£14,232 |
£890 |
14.3% |
| Personal Transfers |
£9,073 |
£567 |
9.1% |
| Shopping |
£7,488 |
£468 |
7.5% |
| Professional/Business |
£4,073 |
£255 |
4.1% |
| Legal/Debt |
£3,915 |
£245 |
3.9% |
| Travel/Hotels |
£3,752 |
£235 |
3.8% |
| Entertainment |
£1,155 |
£72 |
1.2% |
| Other |
£28,733 |
£1,796 |
28.8% |
🔴 UBER EATS: £5,162 — 171 orders — £323/month
The single biggest discretionary expense. ~11 delivery orders per month at ~£30 each.
🔴 TRANSPORT: £1,212/month
Uber rides (£2,745), gas stations (£1,111), Waymo (£394), plus a £1,770 Turo rental. You're paying for car AND rideshare heavily.
Notable "Other" Spending
- Palijo Smoke Shop: £730 (10 visits)
- SF Hookah Palace: £410 (4 visits)
- Hims & Hers: £326 (7 months)
5. DEBT & CREDIT
Monzo Flex
- Total Flex purchases: £2,817
- Total repaid: £3,196
- Net: slightly ahead (✅)
- Main items Flex'd: Figma (£837), Google Fi (£639), Uber Eats (£376)
SoFi Cash Flow
- Account dropped to $83.74 mid-March before payday
- $4,900 Venmo payment nearly zeroed it
- Living paycheck-to-paycheck despite good income
6. NET POSITION
Account Balances (April 2026)
| Account |
Balance |
| Wise GBP |
£7,575 |
| Wise USD |
$1,421 (£1,119) |
| SoFi Checking |
$2,918 (£2,298) |
| Total liquid |
~£10,992 |
Monthly Cash Flow
- Average income: £10,271/mo
- Average real expenses: £6,236/mo
- Net surplus: £4,035/mo
- Savings rate: 39.3%
Expense Volatility
- Lowest: £2,301 (Feb 2025)
- Highest: £14,494 (Mar 2026)
- Wild swings make budgeting unpredictable
7. RECOMMENDATIONS
🔴 IMMEDIATE CUTS — £140/month (£1,684/year)
| Action |
Savings/mo |
| Cancel 2 duplicate Netflix |
£9.44 |
| Cancel Lindy AI (if unused) |
£39.36 |
| Cancel Tasklet AI (if unused) |
£27.56 |
| Cancel n8n Cloud (if unused) |
£28.80 |
| Cancel Loom (if unused) |
£18.90 |
| Downgrade Calendly to free |
£10.77 |
| Remove duplicate Vercel |
£5.51 |
🟡 BEHAVIOUR CHANGES — £483/month (£5,793/year)
| Action |
Savings/mo |
| Cut Uber Eats 50% |
£161 |
| Cut Uber rides 30% |
£52 |
| Cap dining out at £300/mo |
£200 |
| Reduce shopping |
£70 |
🟢 OPTIMIZATIONS — £55/month (£660/year)
| Action |
Savings/mo |
| Downgrade Google Fi |
£20-30 |
| Review Google Workspace tier |
£10-20 |
| Downgrade Notion |
£10-15 |
| Review Patreon pledges |
£10-15 |
📊 TOTAL PROJECTED SAVINGS: £678/month = £8,137/year
Would improve savings rate from 39.3% → ~46%
🎯 TOP 5 PRIORITIES
- Uber Eats — £323/mo is burning money. Cut to 4 orders/month max.
- Netflix ×3 — Fix today. 5 minutes, £113/year.
- SaaS audit — Open each tool. If you haven't used it in 30 days, cancel.
- Transport — Pick driving OR rideshare. Both is expensive.
- SoFi buffer — Build £1,000 cushion. The mid-month near-zeroes are dangerous.
Questions for Dom
- What are GUSTO ($16,976) and Check Payroll ($16,120)? Wordware-related?
- Hamptons Estates (£28,985) — is this net of management fees?
- Which of Lindy/Tasklet/n8n/Loom/Notion are you actively using?
- What's the SoFi Savings balance?
- Any credit cards not in this data?
- The $4,900 Venmo in March — what was that?
Data: Wise GBP/USD (Jan 2025–Apr 2026), Monzo Current + Flex (Apr 2025–Apr 2026), SoFi Joint (Mar 2026 only). USD→GBP at £1=$1.27.