Luhv + COMMUNITY ROOM

Step-by-step formula to save money

Totals & Snapshot

• Total Deposits (Income): $19,128.58 (per statement)

• Total Withdrawals (Expenses): $19,107.88 (per statement)

• Net Cash Flow (Oct 2025): +$20.70

• Beginning balance: $3.83 → Ending balance: $24.53

Biggest Outflows (single items)

• Terre Haute Chevrolet: $1,214.34

• Zelle to New Horizons PM LLC: $1,800.00 (10/10) & $1,600.00 (10/24)

• ATM Cash: $700.00

• S & H Campground: $920.00

• Progressive Insurance (two charges): $210.88 + $132.34 (Prog. on 10/16)

Recurring Expenses I flagged

• Athena Pay (2× ~$242.33)

• Juice Plus (multiple charges almost weekly)

• Apple.com/Bill (two recurrences)

• IdentityIQ (twice)

• OnStar, Planet Fitness, Acorns (2–3×), Uplift

• Kinsmith Finance (two)

No wonder I feel like I am spinning my wheels. On 20 net profit😮‍💨