CalendarComputed from 2026 direct debitsNo calendar account connected
Salary arrives on the 25th. Five days later, £4,877 leaves in one morning.
Every payment day below is derived from the actual transaction dates in the last seven months,
not from what a provider says its billing date is. The shape of the month is lopsided: one day
carries 92% of the fixed load and twelve days carry nothing at all.
The month
Fixed outgoings by day · median
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
1st10th20th31st
£4,877
Leaves on the 1st
8 payments together
£524
The 10th, most months
≈£3,950 in Jan Apr Jul Oct
25th
Salary arrives
Varies: 25th–30th
12 days
Carry nothing at all
11–12, 14–15, 18–20, 22–23, 27, 29, 31
Two things follow from this shape. The 1st needs the salary to have cleared, and in months
when payday slips to the 30th there are barely 24 hours between the two. And the 10th doubles
as the VAT date in January, April, July and October — the HSBC payment and a quarterly VAT
direct debit of up to £3,500 land on the same day, four times a year.
The 1st, itemised
8 payments · £4,877
Payment
Amount
Account
Note
Bank of Ireland Cards
£4,138.05
Current
Unidentified — see Overview
Hastings Financial
£226.57
Current
Insurance
Lewisham Council
£226.52
Current
Council tax
Nuffield Health
£102.00
Current
Gym
Thames Water
£78.00
Current
Rising — now £125 some months
Cheer London Allstarz
£76.48
Joint
Children's club
TV Licensing
£14.95
Current
DVLA
£14.43
Current
Vehicle tax
Total on the 1st
£4,877.00
The year ahead
From payment history and email only
Every date below traces to a payment record or an email. No calendar account is connected to
this build, so school events, appointments and holidays are absent — connecting Google Calendar
is what fills that in.
Date unknown
Bank of Ireland fixed rate endsThe most consequential date in the household and nothing in the bank data or email
reveals it. Needs the offer letter or an annual statement.
Late Aug 2026
Swim school autumn termSt Dunstan's resumes 7 September; termly fees are usually collected a fortnight ahead,
so expect a charge nothing else is braced for.
7 Sep 2026
Autumn term beginsGordon Brock. ParentPay and Cheer London resume alongside swimming.
10 Oct 2026
VAT quarter — Musical DiceRecent quarters: £3,425 (Jul 26), £1,450 (Apr 26), £3,525 (Oct 25). Volatile enough
to be worth forecasting rather than assuming.
1 Nov 2026
Start shopping the Admiral renewalEight weeks ahead is where the leverage is, and it only works with the Hastings
policy schedule in hand for comparison.
30 Dec 2026
Admiral MultiCover auto-renewsPolicy P72856143. Renews itself unless acted on. £1,617/year.
10 Jan 2027
VAT quarterLands with the HSBC payment.
31 Jan 2027
Self assessment deadlineFiling and payment for 2025–26.
31 Mar 2027
Musical Dice year endSettle the personal subscriptions on the business card before this, not during it.
5 Apr 2027
Tax year endsISA and Junior ISA allowances expire unused. Nothing in four years of data suggests
either is being used.