This report consolidates six months of financial activity across TD Bank, Capital One, and Navy Federal Credit Union for CARLOS J PENA VALERIO.
| Month |
Total Inflows |
Total Outflows |
Net Cash Flow |
Ending Liquidity |
Total CC Debt |
| January |
$10,275.65 |
$11,544.12 |
-$1,268.47 |
$3,382.58 |
$14,762.85 |
| February |
$6,991.93 |
$8,624.61 |
-$1,632.68 |
$1,749.90 |
$14,768.93 |
| March |
$8,745.29 |
$7,342.50 |
+$1,402.79 |
$3,152.69 |
$14,482.13 |
| April |
$5,688.78 |
$8,234.53 |
-$2,545.75 |
$606.94 |
$14,488.36 |
| May |
$7,321.46 |
$7,736.07 |
-$414.61 |
$192.33 |
$14,176.07 |
| June (MTD) |
$2,488.96 |
$0.00 |
+$2,488.96 |
$2,681.29 |
$14,176.07 |
| Totals |
$41,512.07 |
$43,481.83 |
-$1,969.76 |
- |
- |
Total income of $41,512.07 was largely consistent but was supplemented by critical transfers and refunds.
- Primary Income (Payroll): Over $34,000 via Akcel Systems (including $2,488.96 net pay on 06/08).
- Transfers (Zelle): Over $6,000 in personal support/transfers.
- Refunds: $1,500.00 (NJ Anchor) and $85.60 (Google).
- Mortgage/Rent (NewRez): $13,441.66
- Credit/Loans (NFCU, ACI): $7,975.25
- Utilities (PSEG, Gas): $2,671.51
- Credit Card Interest (9230): $1,080.32
- Total Fixed Overhead: $25,168.74 (approx. 60.6% of gross inflows)
- Tolls (E-ZPass): $1,973.13
- Fuel & Maintenance: ~$1,250.00
- Travel/Public Rail: ~$500.00
- Dining (Dunkin, Steakhouse, Fast Food): ~$2,100.00
- Groceries (Superfresh, Instacart, etc.): ~$1,300.00
- Paychex 401(k): $74,530.07 (as of 03/31/2026).
- Note: Balance includes $23,283.31 in outstanding participant loans.
- Q1 Performance: Total contributions of $6,315.06 were offset by $184.95 in market losses and $87.25 in fees.
| Category |
Vendors |
Estimated Monthly |
| AI Stack |
Claude AI, Flux AI (Canceled), GitHub |
~$235.00 |
| Internet/Dev |
Newshosting, Hostinger, Google Workspace |
~$125.00 |
| Streaming |
Netflix, Hulu, Spotify, Prime Video, Audible |
~$75.00 |
- Structural Deficit Improvement: The total net cash flow deficit has improved from -$4,458 to -$1,969 due to the early June payroll inflow. However, full June outflows (Mortgage, etc.) are pending.
- Debt Trajectory: Total Credit Card debt remains at $14.1k (May level) pending June statement closures.
Generated by Gemini CLI - Financial Strategy Module (v1.3.0).