MoneyAdmin Financial admin reset Financial Admin Reset · USD 29
Forty one recurring payments, six renewal dates, and two accounts nobody owns
An inventory of what leaves the account and when, with no opinion about any of it.
This is an inventory, not advice. Forty one recurring payments across four accounts and two cards, organised by date, owner and renewal. Two things surfaced while building it: two direct debits neither of you recognises, and four renewals falling in the same fortnight in January.
Two payments totalling USD 47 a month could not be matched to anything either of you named in the intake. Separately, four annual renewals land between 8 and 21 January, which is the fortnight after Christmas.
Boundary
What this document is
| In this document | Not in this document |
|---|---|
| What leaves the account, when, and from where | Whether any of it is worth paying |
| Which of you owns each item | Whether you should switch anything |
| Renewal dates and notice periods | Whether a product is suitable for you |
| Documents that are missing or expired | Anything about savings, pensions or investments |
| Items neither of you could identify | What to do about them beyond checking |
Inventory
Where the money goes each month
| Unrecognised | Amount | Account | Since | Action |
|---|---|---|---|---|
| Payment reference NDL-4471 | USD 29 / mo | Joint current | March 2024 | Check with the bank |
| Payment reference SVC-0092 | USD 18 / mo | Ravi personal | November 2023 | Check with the bank |
Neither matches anything in your intake. Both have run for over two years, which is USD 1,410 between them. Your bank can tell you what they are, and that is the only recommendation in this document.
Calendar
Renewals and notice periods
- 8 Jan
Car insurance renews
Auto-renews. Notice to cancel: none required, but the renewal price applies from this date.
- 14 Jan
Home insurance renews
Auto-renews.
- 19 Jan
Breakdown cover renews
Auto-renews.
- 21 Jan
Gym membership renews
Annual, 30 days notice to cancel. Notice deadline is 22 December.
- 3 Mar
Broadband contract ends
Out of contract from this date.
- 17 Apr
Life cover annual review date
Not a renewal. A review date the provider set.
- 2 Jul
Travel insurance renews
Annual multi-trip.
- 30 Sep
Professional membership renews
Ravi. Possibly reimbursable by his employer.
The gym notice deadline of 22 December is the only date on this list with a consequence for missing it. Everything else auto-renews, which means nothing breaks and the price is simply whatever it is.
Ownership
Who handles what
| Category | Owner | Account | Status |
|---|---|---|---|
| Mortgage, utilities, council | Suhana | Joint | Clear |
| Insurance, all six | Unassigned | Mixed | Nobody owns these |
| Childcare and school | Suhana | Joint | Clear |
| Phone and broadband | Ravi | Ravi personal | Clear |
| Subscriptions | Both, separately | Both cards | Two duplicates found |
| Car and transport | Ravi | Joint | Clear |
| Charity | Suhana | Suhana personal | Clear |
Insurance is the largest unassigned category and it contains the four January renewals. Two streaming subscriptions are paid twice, once on each card, which is USD 26 a month and the most straightforward thing in this document.
- Ask the bank about NDL-4471 and SVC-0092
- Assign the six insurance policies to one of you
- Cancel one of each duplicated subscription
- Diarise 22 December for the gym notice
- Diarise the four January renewals
- Keep this inventory somewhere you both see it