Personal Finance Dashboard

Monthly salary, scheduled outgoings & distribution analysis • Maintainable version

Salary

Payment	Category	Distribution	Value

Outgoings ordered by distribution category (Essentials, then Savings/Investment, then Wants), highest to lowest within each group.

Subscriptions: Review Apple One, YouTube, English Heritage, Festival Ticket. Consider family plans, annual billing, or pausing unused ones. Potential save: £20–40/month.
Home: Largest category. Shop energy/water tariffs, check council tax band/discount eligibility, or negotiate broadband.
Car: Car Loan is the bulk. Confirm interest rate and overpayment options. Compare car insurance renewal.
Wants: Personal Monzo allowance is flexible. Track discretionary spend; set a lower monthly cap if aiming to boost savings.
Insurance & Health: Bundle or compare Home, Car, Life, Monzo Travel/Breakdown policies. Dental is already salary-sacrificed.
Positive: Pension contributions continue. Unassigned gives buffer—consider directing a portion to emergency fund or extra contributions.

Suggestions based on current categories. Share updated figures and I will refresh the data.json.