🔄 Data as of Sun Sep 20, 2026 7:00 AM ET — refreshed daily 7:00 AM: email sweep last 3d (petrellit@ + jarvis@: 1 payment confirmations, 2 payment problems, 17 items flagged) + statement feeds (x7224 → 2026-07-10, AmEx → 2026-07-22, Citi x9134 → 2026-06-23). Truist sends no balance-alert emails, so x7224 balances are last-verified figures, not live.

Tom & Mindy — Joint Bills & Cashflow

Seed ledger built 7/21/26 · statements Dec 2025 – Jul 2026 · amber = unknown, needs verification red = pays via PLaw x4053 (Tom’s S-corp)
Tom & Mindy — JointTom — PersonalResidences📅 AP — All📅 AP — Joint📅 AP — Tom
$56.6K
avg actual outflow / mo (x7224, Dec–Jul)
$42.1K
the two mortgages / mo
~$3.1K
utilities both houses / mo
21
bills w/ unknown due-day or autopay
-$132.99
x7224 balance LAST VERIFIED 7/21 — no daily feed
🏦 Joint Truist x7224: last verified balance was -$132.99 on 7/21 (overdrawn then — not a live figure; Truist balance alerts aren't enabled, so this can't refresh daily). Latest activity signal — 2026-09-18: Aqua Autopay Payment Confirmation ($300.94 drafted from x7224 — processed OK). Fund before Planet Home (~9th) / Carrington (~17th) ACHs.
🏦 HOA for 1551 N Flagler Dr WPB (FirstService, $1,294.24/mo) auto-pays from PLaw PC x4053 (Tom’s S-corp — intentional per Tom 7/25/26).

Actual monthly outflow — Joint Truist x7224, by category

51K
12/25
60K
01/26
58K
02/26
54K
03/26
61K
04/26
56K
05/26
57K
06/26
55K
07/26
MortgagesUtilitiesServices & groundsZelle (staff/help)Card paydownsInsuranceOther

Known joint bills by category — $/mo

Mortgages
$42,105
Utilities — Wyndmoor
$2,304
Household staff & services
$2,270
Insurance (household)
$1,928
Cards & other recurring
$1,294
Utilities — Pompano
$936
Ledger amounts only; irregular items (Garcia, Elmer, Pool Doctor, snow…) have no monthly figure and are excluded.

Where the 8 months of x7224 money actually went — Dec ’25–Jul ’26 totals

Mortgages
$336,841
Services & grounds
$34,866
Utilities
$23,759
Zelle (staff/help)
$23,451
Card paydowns
$18,747
Other
$9,883
Insurance
$5,585
Statement actuals, internal transfers excluded. Checks (Garcia/Elmer etc.) are not itemized by payee on statements.

Mortgages

PayeeAmountFrequencyDuePaid fromAutopayPortal / notes
Planet Home Lending #2000028089⚠ no payment seen
8750 Montgomery Ave, Wyndmoor PA
verify		$24,825.81Monthly~9th (observed on stmts)Joint Truist x7224Recurring ACH observed — confirm autopayPlanet Home portal
Loans tab says $25,054.03 (P&I $20,028.95 + escrow $5,025.08) but every statement Dec–Jul shows $24,825.81 — verify current escrow. 7.75%, bal ~$2.73M. Escrow should cover Springfield Cnty RE tax + likely HO ins.
Carrington Mortgage #7000357905 (was Shellpoint #691656045)
228 SE 3rd Ter, Pompano Beach FL
verify		$17,279.26Monthly~17th (observed)Joint Truist x7224"RECURRING INTERNET PAYMENT" on stmts → autopay likely ONCarrington portal (servicer transferred from Shellpoint — CONFIRMED by statements)
Ledger said $17,172.34; statements show $17,279.26 (P&I $12,480.98 + escrow). 7.50%, bal ~$1.78M. Escrow $4,691/mo probably covers taxes+ins+Citizens flood — verify.

Utilities — Wyndmoor

PayeeAmountFrequencyDuePaid fromAutopayPortal / notes
PECO (electric)⚠ no payment seen
Wyndmoor (2 accts — main + apt)
verified		~$1,740/moMonthlyvariesJoint Truist x7224✅ AutoPay ON (acct 1 verified 7/21; other accts likely same)PECO portal
May $1,811 / Jun $1,853 / Jul $1,550. 3rd acct 6442521222 = 1434 Kater St, not in Morgan’s doc.
Verizon (internet)
Wyndmoor
$89.99Monthly~15th (observed)Joint Truist x7224Likely YES (flat recurring on every stmt since 2022)Verizon portal
Aqua PA (water, 2 accts)✅ paid 09-18 $300.94 (email)
Wyndmoor house + irrigation
due day?autopay?		~$208/moMonthlyUNKNOWNJoint Truist x7224UNKNOWNAqua portal
May $238 / Jun $190 / Jul $198
Viking Pest Control
Wyndmoor
due day?autopay?		$100.70MonthlyUNKNOWNJoint Truist x7224UNKNOWNViking portal
Projected through Dec ’26
Pye Barker / BeSafe Alarms
Wyndmoor
due day?autopay?verify		~$165 (irregular)Quarterly-ishUNKNOWNJoint Truist x7224UNKNOWNPye Barker BeSafe portal
May ’26 $359.70 — verify billing cadence

Utilities — Pompano

PayeeAmountFrequencyDuePaid fromAutopayPortal / notes
FPL (electric)
Pompano
due day?autopay?		~$568/moMonthlyUNKNOWNJoint Truist x7224UNKNOWNFPL portal (login attempt 7/21 — hostile UX, retry)
May $567 / Jun $567 / Jul $572
AT&T (internet)
Pompano
due day?		$80.25MonthlyUNKNOWNJoint Truist x7224Likely YES (flat)AT&T portal
Replaced Comcast (~$126, ended 2025)
City of Pompano First Billing (water)
Pompano
autopay?		~$195–280/moMonthly~17th (observed COPB)Joint Truist x7224UNKNOWNFirst Billing portal
TECO (gas)
Pompano
due day?autopay?		~$28/moMonthlyUNKNOWNJoint Truist x7224UNKNOWNTECO portal
Terminix (pest)
Pompano
due day?autopay?		$65.00MonthlyUNKNOWNJoint Truist x7224UNKNOWNTerminix portal
Projected through Dec ’26

Insurance (household)

PayeeAmountFrequencyDuePaid fromAutopayPortal / notes
Tesla Insurance (FL)
Tesla in FL
verify		$860.47Monthly~18th–20th (observed as "INS PREM PROG AMERICAN HOMA")Joint Truist x7224YES — recurring ACH on stmtsTesla app
Which vehicle — verify. Earlier months debited $1,017.40 (Dec/Jan), now $860.47.
Liberty Mutual — Wyndmoor HO (H3V28162167270)
8750 Montgomery Ave
verifiedverify		$11,456/yr (~$955/mo)AnnualRENEWS ~9/28/26AMEX *7002 (paid in full 9/9/25)—Liberty Mutual ✅ verified 7/21
Confirm whether next term should move into Planet Home escrow.
Citizens (policy 13641808) — flood⏳ due soon
228 SE 3rd Ter Pompano
due day?autopay?amount?verify		UNKNOWN (2024 pmt $1,351)AnnualUNKNOWNPossibly escrowed via CarringtonUNKNOWNCitizens portal
Pompano escrow $4,691/mo probably covers taxes+ins+flood — verify.

Household staff & services

PayeeAmountFrequencyDuePaid fromAutopayPortal / notes
Concepcion Perez (cleaning)⚠ no payment seen
Wyndmoor
due day?		$1,400 ($1,750 Jul)MonthlyUNKNOWNJoint x7224 — ZelleNO (manual Zelle)Zelle
Laurel Hill Gardens (landscaping)⚠ no payment seen
Wyndmoor
due day?		~$4,770/mo in seasonMonthly, seasonalUNKNOWNJoint x7224NOInvoice
Highly seasonal (May–Jul heavy)
Elmer
Wyndmoor
due day?verify		~$5,100 (irregular)IrregularUNKNOWNJoint x7224NODirect
$5,600 Dec / $9,200 Apr / $5,100 May+Aug. Labeled "Previous Payment" — clarify what/who.
Garcia Landscaping
Wyndmoor
due day?		$1,200–$6,200/invoice (~$35.6K in 2024)Per invoiceUNKNOWNPAPER CHECKNOCheck mailed to 10175 Verree Rd, Phila PA 19116
Own tracking tab with invoice #s. Statement checks likely include Garcia.
Pool Doctor
Wyndmoor pool
due day?		Irregular/large (Jul ’26 $8,846.65)SeasonalUNKNOWNJoint x7224NOInvoice
Opening/closing/repairs
Sharkey's Irrigation
Wyndmoor
due day?		~$185–365~2x/yr (open/winterize)UNKNOWNJoint x7224NOInvoice
Jun 5 ’26: $142.19 card charge on stmts
Rohaana Sarkar (nanny)
Household
due day?		$1,910 (Jan ’26; irregular)IrregularUNKNOWNJoint x7224 — ZelleNOZelle
Prior nannies Natasha/Shannon/Michelle no longer regular
Dan (pool/hot tub service)
Pompano
due day?		$155.00MonthlyUNKNOWNJoint x7224 — Zelle → DanNO (manual Zelle, seen monthly)Zelle
Landscaper — Alejandro Perez
Pompano
$295.00Monthlymid-month (observed Zelle)Joint x7224 — ZelleNOZelle
Name confirmed from statements (ledger said "name not in sheet")
Merry Maids (cleaning)
Pompano
due day?autopay?		$420.00MonthlyUNKNOWNCredit card, repaid by JointUNKNOWNMerry Maids
One Zelle → Merry Maids also observed
Kris Rossi / Laura Regenhard (snow)
Wyndmoor
~$235–1,750Winter, per event—Joint x7224 — ZelleNOZelle

Cards & other recurring

PayeeAmountFrequencyDuePaid fromAutopayPortal / notes
Restoration Hardware (financing)
Wyndmoor furnishings
due day?autopay?verify		$803–$5,379 recentMonthly while balance openUNKNOWNJoint x7224UNKNOWNRH
Installments since 2022; confirm remaining balance/end date
Citi — American Airlines card⏳ due soon
Card paydown
due day?autopay?		Variable ($176–$11,318)MonthlyUNKNOWNJoint x7224UNKNOWNCiti
Paydowns, not a fixed bill
TJP AMEX repayment
Card repayment
VariableAs needed—Joint TruistNO—
MMP Barclay Mastercard repayment
Card repayment
VariableAs needed—Joint TruistNO—
TD Bank payments to Mindy’s card also observed on stmts ($803–$3,617)
FirstService Residential (HOA)
N Flagler WPB
due day?autopay?PLaw x4053		$1,294.24MonthlyUNKNOWNPLaw PC x4053 (Tom’s S-corp)UNKNOWNFirstService / ClickPay
Paid from PLaw x4053 (Tom’s S-corp).

Recent actual payments (from statements)

July 2026 — $54,941 shown
07/10RECURRING INTERNET PAYMENT LABCORP LABCORP 202607094206570$40.00
07/10Terminix pest (Pompano)$65.00
07/08City of Pompano utilities (water)$195.39
07/08Aqua PA water$197.62
07/08Carrington — Pompano mortgage$17,279.26
07/08Planet Home Lending — Wyndmoor mortgage$24,825.81
07/08Sharkey's Irrigation$295.00
07/07INTERNET PAYMENT PAYMENT VENMO 1051500264183$1.00
07/07TECO gas (Pompano)$28.51
07/07PECO electric$96.82
07/07Laurel Hill Gardens landscaping$712.80
07/07PECO electric$1,452.71
07/07Laurel Hill Gardens landscaping$2,790.00
07/07INTERNET PAYMENT PAYMENT VENMO 1051500281330$5,000.00
07/07Zelle → Dan$40.00
07/07Zelle → Alejandro Perez$295.00
07/06Zelle → Concepcion Perez$1,400.00
07/06Zelle → Dan$115.00
07/02Viking Pest (Wyndmoor)$110.77
June 2026 — $57,430 shown
06/23FPL electric (Pompano)$566.82
06/18Tesla Insurance (via American Home Assurance)$860.47
06/16AT&T internet (Pompano)$80.25
06/15Verizon internet (Wyndmoor)$89.99
06/10Terminix pest (Pompano)$65.00
06/10City of Pompano utilities (water)$195.39
06/09TD Bank payment (Mindy card)$5,378.65
06/09Carrington — Pompano mortgage$17,279.26
06/09Planet Home Lending — Wyndmoor mortgage$24,825.81
06/08PECO electric$61.38
06/08Aqua PA water$189.94
06/08Laurel Hill Gardens landscaping$356.40
06/08PECO electric$1,791.25
06/08Laurel Hill Gardens landscaping$4,844.91
06/08Zelle → Dan$280.00
06/05Sharkey's Irrigation$142.19
06/05Zelle → Alejandro Perez$295.00
06/04TECO gas (Pompano)$26.93
06/02Viking Pest (Wyndmoor)$100.70
May 2026 — $56,390 shown
05/28Pye Barker / BeSafe alarm$179.85
05/27Zelle → Concepcion Perez$1,400.00
05/20FPL electric (Pompano)$566.63
05/19Tesla Insurance (via American Home Assurance)$860.47
05/18AT&T internet (Pompano)$80.25
05/13Verizon internet (Wyndmoor)$89.99
05/13Laurel Hill Gardens landscaping$4,844.92
05/12Terminix pest (Pompano)$65.00
05/07City of Pompano utilities (water)$195.39
05/07Aqua PA water$237.98
05/07Planet Home Lending — Wyndmoor mortgage$24,825.81
05/06TD Bank payment (Mindy card)$1,974.00
05/06Carrington — Pompano mortgage$17,279.26
05/06TECO gas (Pompano)$28.89
05/06PECO electric$54.98
05/06PECO electric$1,756.17
05/05Zelle → Concepcion Perez$1,400.00
05/05Zelle → Alejandro Perez$295.00
05/05Zelle → Dan$155.00
05/04Viking Pest (Wyndmoor)$100.70
April 2026 — $60,818 shown
04/21FPL electric (Pompano)$555.07
04/20Tesla Insurance (via American Home Assurance)$860.47
04/17AT&T internet (Pompano)$80.25
04/17Hearth & Home services$525.00
04/14Terminix pest (Pompano)$235.32
04/14Greenlight (kids debit app)$20.00
04/13Carrington — Pompano mortgage$17,279.26
04/13Verizon internet (Wyndmoor)$89.99
04/13Aqua PA water$149.56
04/13Planet Home Lending — Wyndmoor mortgage$24,825.81
04/13Coinbase transfer$2,500.00
04/10Terminix pest (Pompano)$60.11
04/10City of Pompano utilities (water)$191.62
04/10TD Bank payment (Mindy card)$1,974.00
04/10PECO electric$31.10
04/10PECO electric$1,881.63
04/10Zelle → Dan$155.00
04/10Zelle → Alejandro Perez$295.00
04/10Laurel Hill Gardens landscaping$6,785.00
04/09Zelle → Concepcion Perez$1,400.00
04/03TD Bank payment (Mindy card)$803.00
04/02Greenlight (kids debit app)$20.00
04/02Viking Pest (Wyndmoor)$100.70
March 2026 — $54,226 shown
03/24FPL electric (Pompano)$556.22
03/24Greenlight (kids debit app)$20.00
03/20AT&T internet (Pompano)$80.25
03/18Tesla Insurance (via American Home Assurance)$860.47
03/18Hearth & Home services$3,323.00
03/18Greenlight (kids debit app)$20.00
03/18TECO gas (Pompano)$31.03
03/18Coinbase transfer$1,000.00
03/17INTERNET PAYMENT Bravas Int Bravas Intermedi$1,070.56
03/17Zelle → Dan$155.00
03/17Zelle → Alejandro Perez$295.00
03/13Verizon internet (Wyndmoor)$89.99
03/11Greenlight (kids debit app)$20.00
03/10Terminix pest (Pompano)$60.11
03/10Aqua PA water$253.30
03/10Planet Home Lending — Wyndmoor mortgage$24,825.81
03/10Greenlight (kids debit app)$20.00
03/09Greenlight (kids debit app)$10.00
03/09PECO electric$57.51
03/09City of Pompano utilities (water)$199.17
03/09PECO electric$2,675.68
03/09Carrington — Pompano mortgage$17,279.26
03/09Greenlight (kids debit app)$10.59
03/09Greenlight (kids debit app)$20.00
03/09Greenlight (kids debit app)$60.98
03/06TECO gas (Pompano)$31.03
03/03Viking Pest (Wyndmoor)$100.70
03/02Greenlight (kids debit app)$50.00
03/02Zelle → Concepcion Perez$1,050.00
February 2026 — $58,105 shown
02/24Zelle → Kai$375.00
02/23FPL electric (Pompano)$561.87
02/20TD Bank payment (Mindy card)$3,617.00
02/19Access Technology$413.40
02/18Tesla Insurance (via American Home Assurance)$108.03
02/17AT&T internet (Pompano)$80.25
02/13Verizon internet (Wyndmoor)$89.99
02/10Terminix pest (Pompano)$60.11
02/09Aqua PA water$174.53
02/09City of Pompano utilities (water)$202.94
02/09Planet Home Lending — Wyndmoor mortgage$24,825.81
02/06Carrington — Pompano mortgage$17,279.26
02/06PECO electric$106.24
02/06PECO electric$2,705.21
02/05TECO gas (Pompano)$30.12
02/05Zelle → Alejandro Perez$6,925.00
02/05Zelle → Dan$155.00
02/05Zelle → Alejandro Perez$295.00
02/03Viking Pest (Wyndmoor)$100.70
January 2026 — $60,135 shown
01/29Zelle → Concepcion Perez$400.00
01/29Zelle → Merry Maids$210.00
01/26Zelle → Laura Regenhard$85.00
01/26Zelle → Laura Regenhard$150.00
01/23Zelle → Natasha Bailey$250.72
01/21FPL electric (Pompano)$542.79
01/21Tesla Insurance (via American Home Assurance)$1,017.39
01/21Zelle → Rohaana Sarkar$1,725.00
01/20Zelle → Rohaana Sarkar$130.00
01/20AT&T internet (Pompano)$80.25
01/20Hearth & Home services$375.00
01/16Zelle → Rohaana Sarkar$55.00
01/13Verizon internet (Wyndmoor)$89.99
01/12SOS Exterminating (check)$60.11
01/12City of Pompano utilities (water)$213.31
01/09Aqua PA water$201.65
01/09Planet Home Lending — Wyndmoor mortgage$24,825.81
01/08PECO electric$92.24
01/08Laurel Hill Gardens landscaping$2,460.00
01/08PECO electric$2,643.42
01/08JM Holiday Lighting$4,671.80
01/08Carrington — Pompano mortgage$17,279.26
01/08Zelle → Alejandro Perez$2,000.00
01/08Zelle → Alejandro Perez$295.00
01/07Zelle → Dan$155.00
01/05TECO gas (Pompano)$25.45
01/05Viking Pest (Wyndmoor)$100.70
December 2025 — $51,086 shown
12/29Pye Barker / BeSafe alarm$344.85
12/26Zelle → Shannon Rameriz$725.00
12/22FPL electric (Pompano)$531.06
12/19AT&T internet (Pompano)$80.25
12/19Laurel Hill Gardens landscaping$356.40
12/18Tesla Insurance (via American Home Assurance)$1,017.40
12/17City of Pompano utilities (water)$280.45
12/17Carrington — Pompano mortgage$17,279.26
12/17Citi card payment$5,000.00
12/16Zelle → Alejandro Perez$295.00
12/15Verizon internet (Wyndmoor)$89.99
12/10SOS Exterminating (check)$60.11
12/10Zelle → Michelle Peake$200.00
12/09Planet Home Lending — Wyndmoor mortgage$24,825.81