Monthly outflow across the current and joint accounts has come down from £14,250 in August 2025 to £8,624 in July 2026. Against that, £5,289 of it is fixed before anyone makes a decision.
£5,289 committed plus £2,548 of variable household spending is £7,837 against net salary of £7,060.
The gap is bridged by Musical Dice Ltd — the business account moved £105,681 in and £106,219 out over the same twelve months, and transfers between it and the current account are frequent. That works, but it means household solvency currently depends on the company, which is worth being deliberate about rather than incidental.
Total money out, excluding the business account. The January spike and the steady fall since March are both real.
Groceries are more than double the next category. Ocado alone is £5,742 across 32 deliveries — an average of £179 a shop — against Sainsbury's £3,368 across 313 visits.
Balance is £152.14. Transfers in from the current account over the last twelve months totalled about £3,142 across 21 payments, and three months had none at all while the joint account still spent £2,000+ each.
That means the joint account is largely funded by Violaine's own credits — £4,000 twice, £3,570, £900, £737 among them. A standing order of a set amount on payday would make the household budget legible to both of you, which is most of the point of this exercise.
Netflix, Spotify, Disney Plus, Apple, Ring, Lebara and Lime all sit on the business account. Squarespace and GoDaddy are plainly business; the streaming services are harder to argue.
An allowable-expense question for BM Connect rather than something to settle from bank data — but better raised before a year end than during one.