Zaher Family Finance — corrected (Phase 2)

Where the money goes — consumption split (Jan–Aug)

Essentials $90,096 (46%)

Discretionary $89,098 (45%)

Giving/donations $18,269 (9%)

Essentials = groceries/fuel/rates/utilities/kids-ed/health/insurance. Giving = donations incl one $14k Apr transfer. Discretionary = everything else (fitness, dining, clothing, subs, travel, vehicle incl boat $8.1k, household, other).

Where Jan–Aug money went (income + other inflows $254.6k)

consumption 77.6%

business 14.3%

family accts 8.1%

$254.6k out = consumption $197.5k + business funding $36.5k + off-folder family $20.6k (funded by income $247.7k plus gifts/top-ups/redemptions ~$37k). Surplus exists on paper (~$6.3k/mo) but is re-routed off-pool — that is the $220k blocker.

Top expense categories — YTD share of spend

Groceries

$31,262
15.8%

Health & Medical

$19,940
10.1%

Donations

$18,269
9.3%

Other/Uncategorised

$17,666
8.9%

Fitness & Sport

$14,925
7.6%

Vehicle & Services

$13,543
6.9%

Fuel & Transport

$12,565
6.4%

Entertainment & Subscriptions

$9,273
4.7%

Clothing & Personal

$8,907
4.5%

Utilities

$7,864
4.0%

Kids Education

$7,533
3.8%

Rates & Council

$7,385
3.7%

Consumption $197,463 (excl. Amanah savings top-ups $2,400). Category splits approximate — see report for method.

Insights

INSIGHT 1

Noise removed → the real surplus is ~$6.3k/mo

Phase 1's gross deposits-vs-spend (~$298k vs ~$298k → 'no surplus') counted ~$366k of internal transfers between family accounts twice. After netting them out, genuine income Jan–Aug = $247.7k vs consumption $197.5k → +$50.2k (+$6.3k/mo).

Old Phase-1 view counted internal transfers twice → “~$0 surplus”. Corrected view: +$50.2k.

INSIGHT 2

Groceries ≈ $3.4–3.8k/mo visible vs $4.3k/mo budget

Visible grocery spend (Visa + EFTPOS) averages ~$3.8k/mo Jan–Aug vs the $2,000/fortnight ($4.3k/mo) budget — the gap is probably cash/other-account top-ups, not savings.

INSIGHT 3

Controllable recurring stack ≈ $6.5k/mo

Fitness $1.9k + fuel $1.8k + groceries $3.8k + subs/entertainment ~$1.0k + cafes $0.6k (overlaps some categories) — the visible levers if more saving is needed. Cash ~$1k/mo is confirmed legitimate (not a lever).

Groceries $3,908Fuel & Transport $1,571Fitness & Sport $1,866Entertainment & Subscriptions $1,159Cafes & Dining Out $726Health & Medical $2,492Kids Education $942Utilities $983

Cash ~$1k/mo confirmed legit (cleaners etc.) — not a lever. Subscriptions (Apple/OpenAI/Netflix etc.) run ~$150–250/mo on Visa.

INSIGHT 4

Noor's pay (~$5,978/fortnight) lands in pool -50 — keep the surplus there too

Screenshot-confirmed (2 Sep): Active Components credits -50 every fortnight (~$12k/mo). The pool still dipped $101.1k (May) → $92.1k (6-Aug, boat/travel/one-offs) before rebuilding to $98.6k by 2-Sep. $20.6k went to off-folder family accounts + $36.5k to NZIN0V8 funding in Jan–Aug — stopping those leaks is the fastest route to $220k.

Off-folder family $20.6k + NZIN0V8 $36.5k (Jan–Aug) — bringing these back to the pool is the fastest route to $220k.

Monthly income vs spend (visible, 2025-09 → 2026-08)

■ Income■ Spend┅ Spend 3-mo trend

Aug-26 is partial (statements end 6–28 Aug). Apr-26 spike = extra NDY fortnights + $18.4k travel reimbursement in.

Main savings pool -50 trajectory

Nov-25 $44,672 → 2-Sep-26 $98,646 · statements quarterly · last 2026-09-02. Rebuilt with true as-of dates (Phase-1 chart mis-dated these).

Roadmap — $220k: earliest achievable date per scenario

Earliest achievable = f(saving rate). Aug-2027 = fallback deadline (12 months). Green = reached by Aug-27; amber = by Nov-27; red = later. · months run from Sep-26; green cell = reached by Aug-27 (fallback), amber = by Nov-27, red = later.

Scenario (start Sep-26)	Start base	Still needed	$/mo for Aug-27	Earliest @ $6.3k/mo (today's surplus)	@ $8k	@ $10k	@ $12k	@ $15k	@ $20k
Base — pool only	$98,646	$121,354	$10,113	Apr-28	Dec-27	Sep-27	Jul-27	May-27	Mar-27
+ Dental/ortho ~$10k	$98,646	$131,354	$10,946	May-28	Jan-28	Oct-27	Jul-27	May-27	Mar-27
+ Car ~$15k	$98,646	$146,354	$12,196	Aug-28	Mar-28	Nov-27	Sep-27	Jun-27	Apr-27
+ Italy ~$35k (2027)	$98,646	$181,354	$15,113	Jan-29	Jul-28	Mar-28	Dec-27	Sep-27	Jun-27
Base — all visible bank savings	$127,235	$92,765	$7,730	Nov-27	Aug-27	Jun-27	Apr-27	Mar-27	Jan-27
All one-offs combined (all-visible)	$127,235	$152,765	$12,730	Sep-28	Apr-28	Dec-27	Sep-27	Jul-27	Apr-27

Read-out: at today's visible surplus ($6.3k/mo) even the all-visible base only reaches $220k by Nov-27 — past the fallback. To hit the fallback (Aug-27): ~$7.7k/mo with all visible bank savings consolidated, or ~$10.1k/mo pool-only; add dental $10k + car $15k + Italy $35k → ~$12.7k/mo. Earliest realistic target: Jun-27 (all-visible @ $10k/mo). Pull-it-earlier levers: (1) consolidate off-folder family bank balances into the pool — amounts unknown (ask Arif); (2) keep the surplus in the pool — it left via off-folder accounts $20.6k + NZIN0V8 funding $36.5k in Jan–Aug; (3) NZIN0V8 2–3 extra clients.

Outliers & one-off items 2026

Boat + marine (Aug)

$8,075

Single charity transfer (Apr)

$14,000

Funding to NZIN0V8 (Feb, not expense)

$36,493

NDY travel reimbursement IN (Feb)

$18,438

City Fitness YTD (family)

$10,506

Amanah unit-trust YTD

$2,400

Rates & council YTD

$7,385

Health & medical YTD

$14,762

Boat $6,000 + marine $2,075 (Aug); one $14k charity transfer (Apr); NZIN0V8 funding $36.5k (Feb — not consumption); NDY travel reimbursement $18.4k (income, Feb).

Watch items — upcoming key expenses

Health bucket (self-insure)

$1,000

monthly, into separate savings

Aisha braces — start Oct 2026

$2,000

~$5k total over ~18m; first ~$2k Oct-26

Jenna wisdom teeth

$5,000

within next 12 months

Italy trip (deferred)

$35,000

2027 target; ~$35k

Car replacement allowance

$15,000

possible, ~$15k

Kumon (Joud & Aisha)

$480

monthly from pool

Kids' mobile bills

$212

monthly

Boat — motor instalments

ongoing monthly (amount not visible)

Boat motor instalments continue monthly (amount not visible in statements) · health bucket $1k/mo recommended (no insurance cover).

Income sources 2026 Jan–Aug

NDY NZ Ltd (Arif pay)

$133,757

Active Components (Noor pay)

$83,501

NDY travel reimbursements

$18,438

NZIN0V8 to family

$11,095

Unclassified in

$478

Refunds/reimbursements

$420

Interest

NDY = Arif pay ($7.3–7.7k/fortnight). Active Components = Noor pay ($4.8–4.9k/fortnight). NZIN0V8 → family = salary top-ups + expense reimbursements.

Recurring monthly averages (Jan–Aug)

Groceries visible ~$3.8k/mo vs $4.3k/mo budget ($2k/fortnight) — gap likely covered by cash/other-account top-ups. Fitness $1.9k/mo (City Fitness family + kids). Fuel $1.8k/mo. Subs/entertainment ~$1.0k/mo.

Health spend avg $1.8k/mo visible — funds the $1k/mo self-insurance bucket recommendation.

Netted memo flows (Jan–Aug) — what was excluded & why

Flow	Amount
Internal transfers between family accounts (netted out)	$365,968
Sent to off-folder family accounts (kids/Noor/Arif ext)	$20,604
Received: off-folder top-ups (A Zaher etc.)	$14,770
Received: gifts / family members	$9,564
Received: investment redemption	$5,942
Sent to NZIN0V8 (funding — not an expense)	$36,493
NZIN0V8 PAYE/ACC/KiwiSaver pass-through	$4,786
Received from GST cash-mgmt (excluded)	$5,677

All excluded from income/consumption: movements between family's own accounts, to the business, GST float, gifts. Visa 'payment received' $131k duplicates bank-side card payments.

Health plan — self-insurance (no cover)

No health/medical insurance (confirmed). Visible health spend 2026 ≈ $19,940.
Keep $1,000/mo health bucket ($12k/yr) — NZ family-of-6 cover would cost more & exclude pre-existing.
Aisha braces from Oct-2026 (~$2k first, ~$5k total); Jenna wisdom teeth ~$5k → ~$10k dental/ortho over 12 months — pre-fund: +$2k by Oct-26, +$8k by mid-27.

Top merchants 2026

Merchant	Total	#
Pak N Save Silverdale Silverdale NZ	$19,099	55
Gull Mobile App Auckland	$6,760	36
Nutrisearch Limited Hastings	$4,965	13
Genesis Energy	$4,024	7
Airbnb Airbnb.Com	$3,830	4
Woolworths NZ/Silverdale Silverdale	$3,790	79
Pak'n Save Silverdale Silverdale	$3,693	7
Auckland Council Online Auckland	$3,445	3
One NZ Auckland	$3,031	16
Openai Openai.Com	$2,674	89
Inland Revenue Wellington	$2,543	1
Tower Insurance - Eis	$2,532	7
Gull Millwater Auckland	$2,390	17
Far North District Counci Kaikohe	$2,245	3
Silverdale Car Services Silverdale	$2,086	4
Auckland Transport Auckland	$2,080	105
Mike's Marine Centre Auckland	$2,075	1
PB Tech Online 09 Penrose	$1,794	4

Remaining data gaps (blocking precision)

Off-folder balances: Noor's ANZ 06-0869 & ASB 12-3136-0422628; Arif's 04-2021…; kids' ASB 12-3661 (Beker/Jenna/Joud — none in folder); Amanah/TDs/KiwiSaver. Where Noor's $4k/fortnight lands is still unknown.
Pool -50 statements quarterly (last 6-Aug-26) — latest screenshots of savings accounts fix the roadmap starting balance.
DNS: finances.nzinnovate.com → 76.13.182.76 (A record) pending — public URL NXDOMAIN.
Bank API access (Arif pursuing) replaces PDF parsing for weekly refresh.

The Plan — $220k: trajectory & targets

Three savings modes + a floor. Income basis pending your NDY answer (banner below). Travel & car buckets pause until $220k lands.

⚠️ One question decides the date — NDY pay split

NDY paid $16,720/mo avg YTD, but the run-rate changed: $7,826/fortnight (Jan–Apr) → $35,567 lump 16-Apr → ~$4,500–5,400/fortnight since May (~$10,500/mo visible). If part of your pay now redirects to another account (e.g. 04-2021), family income is fine — the plan just needs to see it. All-of-Noor's-pay-to-pool works only in Case A.

TODAY'S BEHAVIOUR

$6,278/mo

→ $220k by Nov-27

no change — misses the deadline (Nov-27)

FLOOR (minimum)

$7,750/mo

→ $220k by Aug-27

never below — keeps Aug-27 (uses pool + -13 + -58)

ALL OF NOOR'S PAY

$12,953/mo

→ $220k by Apr-27

~$12,952/mo → Apr-27 — needs NDY ≈ $16.7k/mo incl. redirected pay

ALL NOOR + SOME ARIF

$13,400/mo

→ $220k by Mar-27

→ Mar-27 — the accelerated target

Pool trajectory — actual vs target

The biggest levers

1 · All of Noor's pay → pool

+$6,674/mo

vs today's behaviour — single biggest change (pay lands in -50 already; the rule is: don't spend it back out)

2 · Resolve the NDY pay split

up to +$6,200/mo

if ~$2.9k/fortnight is redirecting to an off-folder account, route it to the pool instead (or count it)

3 · NZIN0V8 clients

+$2–4k/mo

2–3 new clients → direct pool top-up

4 · Stop the leaks

+$1.4k/mo

Jan–Aug: $20.6k → off-folder family accounts, $36.5k → NZIN0V8 funding, $9k pool dip May→Aug

What's pushing the budget over

Where Jan–Aug average spending exceeds the proposed cap — biggest leaks first. Fixing the top 3 (~$2.4k/mo) plus the subscription cleanup gets the accelerated plan most of the way.

Other / misc

over by $1,631/mo

Fitness & Sport

over by $392/mo

Clothing & personal

over by $391/mo

Household & DIY

over by $364/mo

Subscriptions

over by $313/mo

Groceries

over by $225/mo

Where the pool money comes from

Case A — NDY ≈ $16.7k/mo (YTD avg incl. redirected pay)

$12,953/mo

All of Noor's pay → pool; household runs off NDY + NZIN0V8 reimbursements → Apr-27

Case B — NDY ≈ $10.5k/mo (visible run-rate only)

$6,753/mo

Noor's pay tops up household (~$6.2k) → ~$6.8k/mo to pool → Aug-27

Biggest single lever

$13,400/mo

All of Noor + ~$450 of Arif + NZIN0V8 reimbursements kept in pool → Mar-27

Base: visible savings $127,235 · pool -50 $98,646. Household ops ≈ $17.6k/mo (living caps + health $1k + boat $532 + reserve). Your NDY answer picks the case.

The monthly cashflow model

Total visible income: Case A ≈ $31,060/mo · Case B ≈ $24,840/mo. Allocations: living caps $15,500 · health bucket $1,500 (real 2026 health ≈ $22k incl. items hidden in Other) · boat loan $532 · one-off reserve $600 · travel & car buckets paused until the pool hits $220k (then Italy ~$2.9k/mo, car ~$1.25k/mo).

Guardrail living caps

$15,500

accelerated tier — full cap table below

Health bucket

$1,500

braces Oct-26 ~$2k start → ~$5k; wisdom teeth ~$5k

Boat loan (UDC 0%)

$532

fixed, 35 months

One-off reserve

$600

Ramadan, rego, school extras, gifts

Guardrails — accelerated caps & behaviour

Living caps total ≈ $15,350/mo vs $19,779/mo current steady → ≈ $4,429/mo redirected to the pool. Accelerated tier (Case A). Tune any row.

Category	Cap/mo	Current avg	Δ	Behaviour / rule
Groceries	$3,500	$3,825	−$325	ess
Fuel & Transport	$1,550	$1,774	−$224	ess
Utilities	$950	$983	−$33	ess
Rates & Council	$925	$923	ok	ess
Insurance	$450	$443	ok	ess
Vehicle running	$550	$520	ok	ess
Kids education	$950	$942	ok	ess
Cash withdrawals	$1,000	$1,001	−$1	ess
Kids activities & allowance	$500	$535	−$35	dis
Fitness & Sport	$1,400	$1,892	−$492	dis
Cafes & dining out	$350	$585	−$235	dis
Subscriptions	$600	$963	−$363	dis
Entertainment	$250	$470	−$220	dis
Clothing & personal	$300	$741	−$441	dis
Household & DIY	$450	$864	−$414	dis
Donations	$700	$506	ok	dis
Other / misc	$600	$2,631	−$2,031	dis

Autopilot rules

1 · Payday sweep

Day pay lands: Noor's pay → pool (minus agreed ops top-up); buckets transfer on the 1st — before spending.

2 · Bucket-only

Braces/wisdom teeth from Health; Italy/car from their buckets (paused till $220k).

3 · One-off brake

Any single spend >$750 outside envelope → 24h pause + log.

4 · Weekly Sunday review

Statements uploaded → Eva analyses, flags overruns, updates this dashboard, advises.

Sequencing

Dec-26 · $110k

cleared on every path (all-visible already $127,235)

Mar/Apr-27 · $220k 🎯

accelerated (Case A) — the aim

Aug-27

fallback deadline — never slip past

After the pool

Italy ~$2.9k/mo · car ~$1.25k/mo · health buffer $25–30k · rest keeps growing

Plan v3 · 6 Sep 2026 · corrected P&L basis (statements to 28-Aug + pool screenshot 2-Sep) · Noor raise $5,978.13/fortnight from 2-Jul-26 · NDY case pending · guardrails are proposals — tune with Eva · weekly Sunday refresh starts this week.

💠 Zaher Family Finance Phase 2 · correctedvisualfamily only

Target meters