# transactions

id: 2425844153
account_id: 422002
account_source: plaid
date: 2026-06-24
payee: Apple
currency: usd
status: uncleared
created_at: 2026-06-27 23:03:13
updated_at: 2026-06-27 23:03:13
raw_json:
  {"id": 2425844153, "date": "2026-06-24", "amount": "4.9900", "currency": "usd", "to_base": 4.99, "payee": "Apple", "category_id": null, "category_name": null, "category_group_id": null, "category_group_name": null, "is_income": false, "exclude_from_budget": false, "exclude_from_totals": false, "created_at": "2026-06-27T22:55:33.182Z", "updated_at": "2026-06-27T22:55:33.182Z", "status": "uncleared", "is_pending": false, "notes": null, "original_name": "Recurring Debit Purchase Apple.com/bill 06/24 Card 5997", "recurring_id": 2962133, "recurring_payee": "Apple", "recurring_description": null, "recurring_cadence": "monthly", "recurring_granularity": null, "recurring_quantity": null, "recurring_type": "suggested", "recurring_amount": "4.9900", "recurring_currency": "usd", "parent_id": null, "has_children": false, "group_id": null, "is_group": false, "asset_id": null, "asset_institution_name": null, "asset_name": null, "asset_display_name": null, "asset_status": null, "plaid_account_id": 422002, "plaid_account_name": "Checking - 0494", "plaid_account_mask": "0494", "institution_name": "U.S. Bank", "plaid_account_display_name": "U.S. Bank Checking - 0494", "plaid_metadata": "{\"account_id\":\"eNZ8DkyxArFwR7rkovPAtEg4vQwKBLULN3Bdm\",\"account_owner\":null,\"amount\":4.99,\"authorized_date\":\"2026-06-24\",\"authorized_datetime\":\"2026-06-24T17:28:11Z\",\"category\":[\"Shops\",\"Digital Purchase\"],\"category_id\":\"19019000\",\"check_number\":null,\"counterparties\":[{\"confidence_level\":\"VERY_HIGH\",\"entity_id\":\"zbzNyw83zkVDdrdpRo5y1yE67V7vbMWY4LNne\",\"logo_url\":\"https://plaid-merchant-logos.plaid.com/apple_63.png\",\"name\":\"Apple\",\"phone_number\":null,\"type\":\"merchant\",\"website\":\"apple.com\"}],\"date\":\"2026-06-25\",\"datetime\":\"2026-06-25T00:00:00Z\",\"iso_currency_code\":\"USD\",\"location\":{\"address\":null,\"city\":null,\"country\":null,\"lat\":null,\"lon\":null,\"postal_code\":null,\"region\":null,\"store_number\":null},\"logo_url\":\"https://plaid-merchant-logos.plaid.com/apple_63.png\",\"merchant_entity_id\":\"zbzNyw83zkVDdrdpRo5y1yE67V7vbMWY4LNne\",\"merchant_name\":\"Apple\",\"name\":\"Recurring Debit Purchase Apple.com/bill 06/24 Card 5997\",\"payment_channel\":\"online\",\"payment_meta\":{\"by_order_of\":null,\"payee\":null,\"payer\":null,\"payment_method\":null,\"payment_processor\":null,\"ppd_id\":null,\"reason\":null,\"reference_number\":null},\"pending\":false,\"pending_transaction_id\":null,\"personal_finance_category\":{\"confidence_level\":\"VERY_HIGH\",\"detailed\":\"GENERAL_MERCHANDISE_ELECTRONICS\",\"primary\":\"GENERAL_MERCHANDISE\",\"version\":\"v1\"},\"personal_finance_category_icon_url\":\"https://plaid-category-icons.plaid.com/PFC_GENERAL_MERCHANDISE.png\",\"transaction_code\":null,\"transaction_id\":\"XNy3Xerjd7FaLBEJXKjmHBVv1L9MZwfz7pQRR\",\"transaction_type\":\"digital\",\"unofficial_currency_code\":null,\"website\":\"apple.com\"}", "source": "plaid", "display_name": "Apple", "display_notes": null, "account_display_name": "U.S. Bank Checking - 0494", "tags": [], "external_id": null}


id: 2425844147
account_id: 422002
account_source: plaid
date: 2026-06-25
payee: LA Fitness
currency: usd
status: uncleared
created_at: 2026-06-27 23:03:13
updated_at: 2026-06-27 23:03:13
raw_json:
  {"id": 2425844147, "date": "2026-06-25", "amount": "39.9900", "currency": "usd", "to_base": 39.99, "payee": "LA Fitness", "category_id": null, "category_name": null, "category_group_id": null, "category_group_name": null, "is_income": false, "exclude_from_budget": false, "exclude_from_totals": false, "created_at": "2026-06-27T22:55:33.182Z", "updated_at": "2026-06-27T22:55:33.182Z", "status": "uncleared", "is_pending": false, "notes": null, "original_name": "LA Fitness", "recurring_id": 2962126, "recurring_payee": "LA Fitness", "recurring_description": null, "recurring_cadence": "monthly", "recurring_granularity": null, "recurring_quantity": null, "recurring_type": "suggested", "recurring_amount": "39.9900", "recurring_currency": "usd", "parent_id": null, "has_children": false, "group_id": null, "is_group": false, "asset_id": null, "asset_institution_name": null, "asset_name": null, "asset_display_name": null, "asset_status": null, "plaid_account_id": 422002, "plaid_account_name": "Checking - 0494", "plaid_account_mask": "0494", "institution_name": "U.S. Bank", "plaid_account_display_name": "U.S. Bank Checking - 0494", "plaid_metadata": "{\"account_id\":\"eNZ8DkyxArFwR7rkovPAtEg4vQwKBLULN3Bdm\",\"account_owner\":null,\"amount\":39.99,\"authorized_date\":\"2026-06-25\",\"authorized_datetime\":\"2026-06-25T02:20:41Z\",\"category\":[\"Recreation\",\"Gyms and Fitness Centers\"],\"category_id\":\"17018000\",\"check_number\":null,\"counterparties\":[{\"confidence_level\":\"VERY_HIGH\",\"entity_id\":\"odq3QAzb84gKe1zXB1ZO66E6jQmM2YwO9D5zV\",\"logo_url\":\"https://plaid-merchant-logos.plaid.com/la_fitness_563.png\",\"name\":\"LA Fitness\",\"phone_number\":null,\"type\":\"merchant\",\"website\":\"lafitness.com\"}],\"date\":\"2026-06-26\",\"datetime\":\"2026-06-26T00:00:00Z\",\"iso_currency_code\":\"USD\",\"location\":{\"address\":null,\"city\":null,\"country\":null,\"lat\":null,\"lon\":null,\"postal_code\":null,\"region\":null,\"store_number\":null},\"logo_url\":\"https://plaid-merchant-logos.plaid.com/la_fitness_563.png\",\"merchant_entity_id\":\"odq3QAzb84gKe1zXB1ZO66E6jQmM2YwO9D5zV\",\"merchant_name\":\"LA Fitness\",\"name\":\"LA Fitness\",\"payment_channel\":\"online\",\"payment_meta\":{\"by_order_of\":null,\"payee\":null,\"payer\":null,\"payment_method\":null,\"payment_processor\":null,\"ppd_id\":null,\"reason\":null,\"reference_number\":null},\"pending\":false,\"pending_transaction_id\":null,\"personal_finance_category\":{\"confidence_level\":\"HIGH\",\"detailed\":\"PERSONAL_CARE_GYMS_AND_FITNESS_CENTERS\",\"primary\":\"PERSONAL_CARE\",\"version\":\"v1\"},\"personal_finance_category_icon_url\":\"https://plaid-category-icons.plaid.com/PFC_PERSONAL_CARE.png\",\"transaction_code\":null,\"transaction_id\":\"QNL6keB54yFmpNYv1nMXCvm3B6DRprC9knRXn\",\"transaction_type\":\"place\",\"unofficial_currency_code\":null,\"website\":\"lafitness.com\"}", "source": "plaid", "display_name": "LA Fitness", "display_notes": null, "account_display_name": "U.S. Bank Checking - 0494", "tags": [], "external_id": null}


id: 2425844156
account_id: 422002
account_source: plaid
date: 2026-06-25
payee: Trader Joe's
currency: usd
status: uncleared
created_at: 2026-06-27 23:03:13
updated_at: 2026-06-27 23:03:13
raw_json:
  {"id": 2425844156, "date": "2026-06-25", "amount": "33.9300", "currency": "usd", "to_base": 33.93, "payee": "Trader Joe's", "category_id": null, "category_name": null, "category_group_id": null, "category_group_name": null, "is_income": false, "exclude_from_budget": false, "exclude_from_totals": false, "created_at": "2026-06-27T22:55:33.182Z", "updated_at": "2026-06-27T22:55:33.182Z", "status": "uncleared", "is_pending": true, "notes": null, "original_name": "Trader Joe's", "recurring_id": null, "recurring_payee": null, "recurring_description": null, "recurring_cadence": null, "recurring_granularity": null, "recurring_quantity": null, "recurring_type": null, "recurring_amount": null, "recurring_currency": null, "parent_id": null, "has_children": false, "group_id": null, "is_group": false, "asset_id": null, "asset_institution_name": null, "asset_name": null, "asset_display_name": null, "asset_status": null, "plaid_account_id": 422002, "plaid_account_name": "Checking - 0494", "plaid_account_mask": "0494", "institution_name": "U.S. Bank", "plaid_account_display_name": "U.S. Bank Checking - 0494", "plaid_metadata": "{\"account_id\":\"eNZ8DkyxArFwR7rkovPAtEg4vQwKBLULN3Bdm\",\"account_owner\":null,\"amount\":33.93,\"authorized_date\":\"2026-06-25\",\"authorized_datetime\":\"2026-06-25T00:00:00Z\",\"category\":[\"Shops\",\"Supermarkets and Groceries\"],\"category_id\":\"19047000\",\"check_number\":null,\"counterparties\":[{\"confidence_level\":\"VERY_HIGH\",\"entity_id\":\"7mk1K28bOEO76459EoRBN498DgKgdnY73qbgn\",\"logo_url\":\"https://plaid-merchant-logos.plaid.com/trader_joes_1041.png\",\"name\":\"Trader Joe's\",\"phone_number\":null,\"type\":\"merchant\",\"website\":\"traderjoes.com\"}],\"date\":\"2026-06-25\",\"datetime\":\"2026-06-25T00:00:00Z\",\"iso_currency_code\":\"USD\",\"location\":{\"address\":\"590 Showers Dr\",\"city\":\"Mountain View\",\"country\":null,\"lat\":37.402298,\"lon\":-122.110619,\"postal_code\":\"94040\",\"region\":\"CA\",\"store_number\":\"081\"},\"logo_url\":\"https://plaid-merchant-logos.plaid.com/trader_joes_1041.png\",\"merchant_entity_id\":\"7mk1K28bOEO76459EoRBN498DgKgdnY73qbgn\",\"merchant_name\":\"Trader Joe's\",\"name\":\"Trader Joe's\",\"payment_channel\":\"in store\",\"payment_meta\":{\"by_order_of\":null,\"payee\":null,\"payer\":null,\"payment_method\":null,\"payment_processor\":null,\"ppd_id\":null,\"reason\":null,\"reference_number\":null},\"pending\":true,\"pending_transaction_id\":null,\"personal_finance_category\":{\"confidence_level\":\"VERY_HIGH\",\"detailed\":\"FOOD_AND_DRINK_GROCERIES\",\"primary\":\"FOOD_AND_DRINK\",\"version\":\"v1\"},\"personal_finance_category_icon_url\":\"https://plaid-category-icons.plaid.com/PFC_FOOD_AND_DRINK.png\",\"transaction_code\":null,\"transaction_id\":\"RNDLAebja7FyokYp71PwIakgELb8p9T98zPNk\",\"transaction_type\":\"place\",\"unofficial_currency_code\":null,\"website\":\"traderjoes.com\"}", "source": "plaid", "display_name": "Trader Joe's", "display_notes": null, "account_display_name": "U.S. Bank Checking - 0494", "tags": [], "external_id": null}


id: 2425844143
account_id: 422002
account_source: plaid
date: 2026-06-26
payee: 24 Hour Fitness
currency: usd
status: uncleared
created_at: 2026-06-27 23:03:13
updated_at: 2026-06-27 23:03:13
raw_json:
  {"id": 2425844143, "date": "2026-06-26", "amount": "48.9900", "currency": "usd", "to_base": 48.99, "payee": "24 Hour Fitness", "category_id": null, "category_name": null, "category_group_id": null, "category_group_name": null, "is_income": false, "exclude_from_budget": false, "exclude_from_totals": false, "created_at": "2026-06-27T22:55:33.182Z", "updated_at": "2026-06-27T22:55:33.182Z", "status": "uncleared", "is_pending": true, "notes": null, "original_name": "24 Hour Fitness", "recurring_id": null, "recurring_payee": null, "recurring_description": null, "recurring_cadence": null, "recurring_granularity": null, "recurring_quantity": null, "recurring_type": null, "recurring_amount": null, "recurring_currency": null, "parent_id": null, "has_children": false, "group_id": null, "is_group": false, "asset_id": null, "asset_institution_name": null, "asset_name": null, "asset_display_name": null, "asset_status": null, "plaid_account_id": 422002, "plaid_account_name": "Checking - 0494", "plaid_account_mask": "0494", "institution_name": "U.S. Bank", "plaid_account_display_name": "U.S. Bank Checking - 0494", "plaid_metadata": "{\"account_id\":\"eNZ8DkyxArFwR7rkovPAtEg4vQwKBLULN3Bdm\",\"account_owner\":null,\"amount\":48.99,\"authorized_date\":\"2026-06-26\",\"authorized_datetime\":\"2026-06-26T00:00:00Z\",\"category\":[\"Recreation\",\"Gyms and Fitness Centers\"],\"category_id\":\"17018000\",\"check_number\":null,\"counterparties\":[{\"confidence_level\":\"VERY_HIGH\",\"entity_id\":\"1VgdDQkWvvEwemEMpaEVY6Z3Q1wdbnwbEJMz9\",\"logo_url\":\"https://plaid-merchant-logos.plaid.com/24_hour_fitness_1.png\",\"name\":\"24 Hour Fitness\",\"phone_number\":null,\"type\":\"merchant\",\"website\":\"24hourfitness.com\"}],\"date\":\"2026-06-26\",\"datetime\":\"2026-06-26T00:00:00Z\",\"iso_currency_code\":\"USD\",\"location\":{\"address\":null,\"city\":null,\"country\":null,\"lat\":null,\"lon\":null,\"postal_code\":null,\"region\":\"CA\",\"store_number\":null},\"logo_url\":\"https://plaid-merchant-logos.plaid.com/24_hour_fitness_1.png\",\"merchant_entity_id\":\"1VgdDQkWvvEwemEMpaEVY6Z3Q1wdbnwbEJMz9\",\"merchant_name\":\"24 Hour Fitness\",\"name\":\"24 Hour Fitness\",\"payment_channel\":\"online\",\"payment_meta\":{\"by_order_of\":null,\"payee\":null,\"payer\":null,\"payment_method\":null,\"payment_processor\":null,\"ppd_id\":null,\"reason\":null,\"reference_number\":null},\"pending\":true,\"pending_transaction_id\":null,\"personal_finance_category\":{\"confidence_level\":\"VERY_HIGH\",\"detailed\":\"PERSONAL_CARE_GYMS_AND_FITNESS_CENTERS\",\"primary\":\"PERSONAL_CARE\",\"version\":\"v1\"},\"personal_finance_category_icon_url\":\"https://plaid-category-icons.plaid.com/PFC_PERSONAL_CARE.png\",\"transaction_code\":null,\"transaction_id\":\"VNBqXeMOZRFDw0Ea639bi0DZAw1d5OtnQqDe1\",\"transaction_type\":\"place\",\"unofficial_currency_code\":null,\"website\":\"24hourfitness.com\"}", "source": "plaid", "display_name": "24 Hour Fitness", "display_notes": null, "account_display_name": "U.S. Bank Checking - 0494", "tags": [], "external_id": null}


id: 2425844144
account_id: 422002
account_source: plaid
date: 2026-06-26
payee: 7-Eleven
currency: usd
status: uncleared
created_at: 2026-06-27 23:03:13
updated_at: 2026-06-27 23:03:13
raw_json:
  {"id": 2425844144, "date": "2026-06-26", "amount": "3.0900", "currency": "usd", "to_base": 3.09, "payee": "7-Eleven", "category_id": null, "category_name": null, "category_group_id": null, "category_group_name": null, "is_income": false, "exclude_from_budget": false, "exclude_from_totals": false, "created_at": "2026-06-27T22:55:33.182Z", "updated_at": "2026-06-27T22:55:33.182Z", "status": "uncleared", "is_pending": true, "notes": null, "original_name": "7-Eleven", "recurring_id": null, "recurring_payee": null, "recurring_description": null, "recurring_cadence": null, "recurring_granularity": null, "recurring_quantity": null, "recurring_type": null, "recurring_amount": null, "recurring_currency": null, "parent_id": null, "has_children": false, "group_id": null, "is_group": false, "asset_id": null, "asset_institution_name": null, "asset_name": null, "asset_display_name": null, "asset_status": null, "plaid_account_id": 422002, "plaid_account_name": "Checking - 0494", "plaid_account_mask": "0494", "institution_name": "U.S. Bank", "plaid_account_display_name": "U.S. Bank Checking - 0494", "plaid_metadata": "{\"account_id\":\"eNZ8DkyxArFwR7rkovPAtEg4vQwKBLULN3Bdm\",\"account_owner\":null,\"amount\":3.09,\"authorized_date\":\"2026-06-26\",\"authorized_datetime\":\"2026-06-26T00:00:00Z\",\"category\":[\"Shops\",\"Convenience Stores\"],\"category_id\":\"19015000\",\"check_number\":null,\"counterparties\":[{\"confidence_level\":\"VERY_HIGH\",\"entity_id\":\"w32E0jpBeX97vOWgER0n2qVbzLJVm1opNMpoR\",\"logo_url\":\"https://plaid-merchant-logos.plaid.com/7eleven_3.png\",\"name\":\"7-Eleven\",\"phone_number\":null,\"type\":\"merchant\",\"website\":\"7-eleven.com\"}],\"date\":\"2026-06-26\",\"datetime\":\"2026-06-26T00:00:00Z\",\"iso_currency_code\":\"USD\",\"location\":{\"address\":\"276 N Whisman Rd\",\"city\":\"Mountain View\",\"country\":null,\"lat\":37.396687,\"lon\":-122.060181,\"postal_code\":\"94043\",\"region\":\"CA\",\"store_number\":null},\"logo_url\":\"https://plaid-merchant-logos.plaid.com/7eleven_3.png\",\"merchant_entity_id\":\"w32E0jpBeX97vOWgER0n2qVbzLJVm1opNMpoR\",\"merchant_name\":\"7-Eleven\",\"name\":\"7-Eleven\",\"payment_channel\":\"in store\",\"payment_meta\":{\"by_order_of\":null,\"payee\":null,\"payer\":null,\"payment_method\":null,\"payment_processor\":null,\"ppd_id\":null,\"reason\":null,\"reference_number\":null},\"pending\":true,\"pending_transaction_id\":null,\"personal_finance_category\":{\"confidence_level\":\"VERY_HIGH\",\"detailed\":\"GENERAL_MERCHANDISE_CONVENIENCE_STORES\",\"primary\":\"GENERAL_MERCHANDISE\",\"version\":\"v1\"},\"personal_finance_category_icon_url\":\"https://plaid-category-icons.plaid.com/PFC_GENERAL_MERCHANDISE.png\",\"transaction_code\":null,\"transaction_id\":\"ONwdyeBQjZFaD1YkB6PVHPaLZd0Ak5tpMk1rj\",\"transaction_type\":\"place\",\"unofficial_currency_code\":null,\"website\":\"7-eleven.com\"}", "source": "plaid", "display_name": "7-Eleven", "display_notes": null, "account_display_name": "U.S. Bank Checking - 0494", "tags": [], "external_id": null}


id: 2425844146
account_id: 422002
account_source: plaid
date: 2026-06-26
payee: Electronic Deposit Toyota Resea-osv
currency: usd
status: uncleared
created_at: 2026-06-27 23:03:13
updated_at: 2026-06-27 23:03:13
raw_json:
  {"id": 2425844146, "date": "2026-06-26", "amount": "-4387.5800", "currency": "usd", "to_base": -4387.58, "payee": "Electronic Deposit Toyota Resea-osv", "category_id": null, "category_name": null, "category_group_id": null, "category_group_name": null, "is_income": false, "exclude_from_budget": false, "exclude_from_totals": false, "created_at": "2026-06-27T22:55:33.182Z", "updated_at": "2026-06-27T22:55:33.182Z", "status": "uncleared", "is_pending": false, "notes": null, "original_name": "Electronic Deposit Toyota Resea-osv", "recurring_id": null, "recurring_payee": null, "recurring_description": null, "recurring_cadence": null, "recurring_granularity": null, "recurring_quantity": null, "recurring_type": null, "recurring_amount": null, "recurring_currency": null, "parent_id": null, "has_children": false, "group_id": null, "is_group": false, "asset_id": null, "asset_institution_name": null, "asset_name": null, "asset_display_name": null, "asset_status": null, "plaid_account_id": 422002, "plaid_account_name": "Checking - 0494", "plaid_account_mask": "0494", "institution_name": "U.S. Bank", "plaid_account_display_name": "U.S. Bank Checking - 0494", "plaid_metadata": "{\"account_id\":\"eNZ8DkyxArFwR7rkovPAtEg4vQwKBLULN3Bdm\",\"account_owner\":null,\"amount\":-4387.58,\"authorized_date\":\"2026-06-26\",\"authorized_datetime\":\"2026-06-26T04:00:00Z\",\"category\":[\"Transfer\",\"Payroll\"],\"category_id\":\"21009000\",\"check_number\":null,\"counterparties\":[],\"date\":\"2026-06-26\",\"datetime\":\"2026-06-26T00:00:00Z\",\"iso_currency_code\":\"USD\",\"location\":{\"address\":null,\"city\":null,\"country\":null,\"lat\":null,\"lon\":null,\"postal_code\":null,\"region\":null,\"store_number\":null},\"logo_url\":null,\"merchant_entity_id\":null,\"merchant_name\":null,\"name\":\"Electronic Deposit Toyota Resea-osv\",\"payment_channel\":\"other\",\"payment_meta\":{\"by_order_of\":null,\"payee\":null,\"payer\":null,\"payment_method\":null,\"payment_processor\":null,\"ppd_id\":null,\"reason\":null,\"reference_number\":null},\"pending\":false,\"pending_transaction_id\":null,\"personal_finance_category\":{\"confidence_level\":\"HIGH\",\"detailed\":\"INCOME_WAGES\",\"primary\":\"INCOME\",\"version\":\"v1\"},\"personal_finance_category_icon_url\":\"https://plaid-category-icons.plaid.com/PFC_INCOME.png\",\"transaction_code\":null,\"transaction_id\":\"pzRExZmD5oIQwKZMjbr9UPx57LM4EatAOVrqv\",\"transaction_type\":\"special\",\"unofficial_currency_code\":null,\"website\":null}", "source": "plaid", "display_name": "Electronic Deposit Toyota Resea-osv", "display_notes": null, "account_display_name": "U.S. Bank Checking - 0494", "tags": [], "external_id": null}


id: 2425844148
account_id: 422002
account_source: plaid
date: 2026-06-26
payee: Sweet Shop
currency: usd
status: uncleared
created_at: 2026-06-27 23:03:13
updated_at: 2026-06-27 23:03:13
raw_json:
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id: 2425844149
account_id: 422002
account_source: plaid
date: 2026-06-26
payee: Craftsman and Wolves
currency: usd
status: uncleared
created_at: 2026-06-27 23:03:13
updated_at: 2026-06-27 23:03:13
raw_json:
  {"id": 2425844149, "date": "2026-06-26", "amount": "23.0800", "currency": "usd", "to_base": 23.08, "payee": "Craftsman and Wolves", "category_id": null, "category_name": null, "category_group_id": null, "category_group_name": null, "is_income": false, "exclude_from_budget": false, "exclude_from_totals": false, "created_at": "2026-06-27T22:55:33.182Z", "updated_at": "2026-06-27T22:55:33.182Z", "status": "uncleared", "is_pending": true, "notes": null, "original_name": "craftsman And Wolv", "recurring_id": null, "recurring_payee": null, "recurring_description": null, "recurring_cadence": null, "recurring_granularity": null, "recurring_quantity": null, "recurring_type": null, "recurring_amount": null, "recurring_currency": null, "parent_id": null, "has_children": false, "group_id": null, "is_group": false, "asset_id": null, "asset_institution_name": null, "asset_name": null, "asset_display_name": null, "asset_status": null, "plaid_account_id": 422002, "plaid_account_name": "Checking - 0494", "plaid_account_mask": "0494", "institution_name": "U.S. Bank", "plaid_account_display_name": "U.S. Bank Checking - 0494", "plaid_metadata": "{\"account_id\":\"eNZ8DkyxArFwR7rkovPAtEg4vQwKBLULN3Bdm\",\"account_owner\":null,\"amount\":23.08,\"authorized_date\":\"2026-06-26\",\"authorized_datetime\":\"2026-06-26T00:00:00Z\",\"category\":[\"Shops\",\"Food and Beverage Store\"],\"category_id\":\"19025000\",\"check_number\":null,\"counterparties\":[{\"confidence_level\":\"VERY_HIGH\",\"entity_id\":null,\"logo_url\":null,\"name\":\"Craftsman and Wolves\",\"phone_number\":null,\"type\":\"merchant\",\"website\":null},{\"confidence_level\":\"VERY_HIGH\",\"entity_id\":\"kYyzLr7JDEvmN43YaaWagRKZKpnwrN2Mkpy2g\",\"logo_url\":\"https://plaid-counterparty-logos.plaid.com/square_154.png\",\"name\":\"Square\",\"phone_number\":null,\"type\":\"payment_terminal\",\"website\":\"squareup.com\"}],\"date\":\"2026-06-26\",\"datetime\":\"2026-06-26T00:00:00Z\",\"iso_currency_code\":\"USD\",\"location\":{\"address\":\"400 San Antonio Rd\",\"city\":\"Mountain View\",\"country\":null,\"lat\":null,\"lon\":null,\"postal_code\":\"94040\",\"region\":\"CA\",\"store_number\":null},\"logo_url\":null,\"merchant_entity_id\":null,\"merchant_name\":\"Craftsman and Wolves\",\"name\":\"craftsman And Wolv\",\"payment_channel\":\"in store\",\"payment_meta\":{\"by_order_of\":null,\"payee\":null,\"payer\":null,\"payment_method\":null,\"payment_processor\":\"Square\",\"ppd_id\":null,\"reason\":null,\"reference_number\":null},\"pending\":true,\"pending_transaction_id\":null,\"personal_finance_category\":{\"confidence_level\":\"MEDIUM\",\"detailed\":\"FOOD_AND_DRINK_OTHER_FOOD_AND_DRINK\",\"primary\":\"FOOD_AND_DRINK\",\"version\":\"v1\"},\"personal_finance_category_icon_url\":\"https://plaid-category-icons.plaid.com/PFC_FOOD_AND_DRINK.png\",\"transaction_code\":null,\"transaction_id\":\"M7XNBePZv9hwRoxyrdAKt3X4n6joyDH0Q1yxA\",\"transaction_type\":\"place\",\"unofficial_currency_code\":null,\"website\":null}", "source": "plaid", "display_name": "Craftsman and Wolves", "display_notes": null, "account_display_name": "U.S. Bank Checking - 0494", "tags": [], "external_id": null}


# analyses

kind: monthly
period_start: 2026-05-28
period_end: 2026-06-27
structured_json: {"transaction_count": 130, "recurring_count": 0}
created_at: 2026-06-27 23:04:17
summary_md:
  ## Summary

  Total income this period: **$13,380.53** (three Toyota Research deposits). Total spending: **~$8,971** across 127 outflow transactions, yielding a **net positive of ~$4,410**. The month is dominated by three outsized one-offs — Airbnb ($2,226), a "Coaching" charge ($2,250 + $125), and a Yume dinner ($369) — which together account for over half of discretionary spend. Groceries, fitness subscriptions, and AI tools round out the recurring burn.

  ---

  ## Top Spending Categories

  | Category | Total | % of Spend | Notable Payees |
  |---|---|---|---|
  | Travel / Accommodation | $2,490.35 | 27.8% | Airbnb $2,226, Delta $197, Int'l Processing Fees $100 |
  | Coaching / Personal Dev | $2,375.00 | 26.5% | Coaching $2,250 + $125 |
  | Dining Out / Cafes | $612.86 | 6.8% | Lyft (food trips) excl.; Limon $127, Sweetgreen $26, Chipotle x3, Craftsman & Wolves, bagels, matcha, boba |
  | Grocery | $346.24 | 3.9% | Trader Joe's x9 ($164), Whole Foods $90, Safeway x4 ($53), Mendocino Farms $18 |
  | Health / Beauty | $375.94 | 4.2% | Mr. Balayage $269, Malibumo $218, Bluechew $107 |
  | Fitness | $240.54 | 2.7% | 24 Hour Fitness x5, LA Fitness $40, ClassPass $70, YogaSix $3 |
  | AI / Software Subscriptions | $461.96 | 5.2% | Claude.ai $200, Wisprflow $144, OpenAI $20, ElevenLabs $6, Powercursor $20, Apple x5, Google $2 |
  | Transport (Lyft + Gas) | $365.80 | 4.1% | Lyft x5 $183, Shell/ARCO/Valero/ExxonMobil $153, Rotten Robbie $11 |
  | CVS / Pharmacy | $244.96 | 2.7% | CVS x10 — likely toiletries + misc |
  | USC / Education | $579.25 | 6.5% | Univ of So Cal $579 |
  | Shopping | $328.15 | 3.7% | Amazon $328 |
  | Even Realtie / Misc Transfer | $967.00 | 10.8% | Even Realitiekwun $967 (unclear — see Anomalies) |
  | Streaming / Entertainment | $43.97 | 0.5% | YouTube Premium $16, Spotify $13, Rocket Money $6 |
  | 7-Eleven | $40.12 | 0.4% | x10 visits |

  ---

  ## Recurring Charges

  *(Lunch Money returned no detected recurring; reconstructed from transaction flags + pattern)*

  | Payee | Cadence | Typical Amount | Last Seen | Flag |
  |---|---|---|---|---|
  | Claude.ai (Anthropic) | Monthly | $200.00 | 2026-05-31 | ⚠️ Expensive — see notes |
  | Wisprflow | Annual? / One-off | $144.00 | 2026-05-29 | ⚠️ Unclear cadence — verify |
  | Apple (various) | Monthly (multiple) | $3.99–$19.99 | Multiple | ⚠️ 5 separate Apple charges — audit |
  | OpenAI (ChatGPT Plus) | Monthly | $20.00 | 2026-06-18 | Overlaps with Claude |
  | LA Fitness | Monthly | $39.99 | 2026-06-25 | ⚠️ Duplicate gym — also has 24HF + ClassPass |
  | 24 Hour Fitness | Monthly + day fees | $69.99 + $5.19 x4 | Recurring | ⚠️ Duplicate gym |
  | ClassPass | Monthly | $69.00 | 2026-06-14 | ⚠️ Third fitness sub |
  | YouTube Premium | Monthly | $15.99 | 2026-06-16 | |
  | Spotify | Monthly | $12.99 | 2026-05-29 | |
  | Powercursor | Monthly | $20.00 | 2026-06-10 | |
  | ElevenLabs | Monthly | $6.00 | 2026-06-22 | ⚠️ Forgotten? |
  | Google One | Monthly | $1.99 | 2026-06-05 | |
  | Rocket Money | Monthly | $6.00 | 2026-06-09 | |
  | Bluechew | Monthly? | $107.10 | 2026-06-10 | |

  ---

  ## Anomalies

  | Transaction | Amount | Why Flagged |
  |---|---|---|
  | **Coaching** | $2,250.00 (6/13) + $125 (6/10) | $2,375 total on a grad stipend is a significant single-month hit. What is this? Life coach, executive coach? Verify ROI. |
  | **Airbnb** | $2,226.06 | Large single booking — paired with Delta flight ($197) and international processing fees ($100+), this appears to be a substantial trip. |
  | **Yume** | $368.79 | Single restaurant bill — 2–3x typical dining transaction. Group dinner or special occasion. |
  | **Limon** | $126.55 | Single restaurant visit, above typical spend. |
  | **Even Realitiekwun** | $967.00 | Payee name is garbled/unclear. Could be rent contribution, a person (Venmo/Apple Pay relay?), or a real estate service. Needs categorization. |
  | **CVS 6/3** | $112.52 | CVS average this period is ~$24; this is 4.7x the average. What was bought? |
  | **Amazon** | $328.15 | Single purchase — no context. One-off or subscription box? |
  | **Malibumo** | $217.91 | Unknown payee. Clothing? Beauty? |
  | **Mr. Balayage & Blonding** | $268.84 | Hair coloring — above frugal baseline but not unusual if infrequent. |
  | **Apple Cash Sent x3** | $40 + $20 + $20 = $80 | Cash transfers to unknown recipient via Apple Pay. Not inherently problematic but untracked. |
  | **International Processing Fees** | $67.50 + $29.01 + $3.75 = $100.26 | Indicates foreign currency transactions on a card without fee waivers. |

  ---

  ## Savings Opportunities

  **Idle Cash:**
  Income this month was $13,381. Net positive after all spend is roughly $4,400. If cash is sitting in a checking account, moving even $3,000–$4,000 to a high-yield savings account (currently ~4–5% APY on HYSAs like Marcus, SoFi, Ally) would generate ~$150–$200/year passively with zero effort.

  **Subscriptions to Cancel or Consolidate:**

  1. **Duplicate gyms — pick one.** You paid LA Fitness ($40/mo), 24 Hour Fitness ($70 membership + ~$21 in day fees), and ClassPass ($69). That's **$200/month on fitness.** A frugal grad-student baseline is $0–$30 (one basic gym or free university rec center). USC likely has a subsidized rec center. Cut two of three — minimum savings: **$140–$170/month.**
  2. **Claude.ai ($200/mo) + OpenAI ($20/mo) + Powercursor ($20/mo) + ElevenLabs ($6/mo).** You're paying $246/month on AI tools. If Claude is your primary (reasonable for a PhD/researcher), drop ChatGPT Plus and evaluate whether Powercursor and ElevenLabs are getting regular use. Minimum savings cutting the latter three: **$46/month.**
  3. **Apple subscriptions ($3.99 + $4.99 + $9.99 + $12.99 + $13.99 + $19.99 = $65.94 in one month).** Six separate Apple charges in 30 days is a red flag — this likely includes iCloud tiers, Apple TV+, Apple Music, and possibly app subscriptions. Audit in Settings → Apple ID → Subscriptions. Estimate **$20–$40/month** recoverable.
  4. **Wisprflow ($144)** — one-time annual or large monthly? If you don't use it daily, cancel before renewal.

  **Category Overspends vs. Frugal Grad-Student Baseline:**

  | Category | This Month | Frugal Baseline | Gap |
  |---|---|---|---|
  | Fitness | $240 | $25 | $215 |
  | AI/Software | $462 | $20–40 | $420 |
  | Dining Out | ~$613 | $150–200 | $400+ |
  | Health/Beauty | $376 | $50 | $325 |
  | 7-Eleven (10 visits) | $40 | $0 | $40 |

  ---

  ## Recommendations (max 3)

  **1. Consolidate to one gym, immediately.** You have three active fitness memberships totaling ~$200/month. Check if USC's Lyon Center is included in your student fees (it often is for PhD students). Cancel LA Fitness and ClassPass by end of month — that's a guaranteed **$110–$140/month** back, or **$1,320–$1,680/year**, with zero lifestyle change if you keep 24HF or switch to USC's gym.

  **2. Audit and cut the Apple subscription stack this week.** Go to Settings → Apple ID → Subscriptions right now. You had six Apple charges in one month totaling ~$66. Identify which are duplicates of services you already have elsewhere (e.g., Apple Music if you have Spotify, Apple TV+ if you have YouTube Premium). Target cutting at least **$25–$40/month.**

  **3. Clarify and budget the "Even Realitiekwun" $967 and "Coaching" $2,375 before next month.** These two items alone are $3,342 — 37% of total spend — with zero category context. If coaching is recurring (monthly $2,250 would be $27,000/year), that's the single largest lever in your budget and warrants a specific ROI conversation with yourself. If it's a one-time payment, tag it accordingly so it doesn't distort your baseline going forward.


