Equity = home − mortgage. Other debts = home loan £17,679.33 + car £4,689.75 + cards £924.62. Pension is included in net worth but is not liquid cash.
Where the money sits
Known balances · 19 Sep 2026
Account
Holder
Balance
Classic — bills / joint
Shared
£3,737.70
Club Lloyds
Michael · OD £250
£38.02
Standard Saver
Known
£0.01
Cash notes
—
£825.00
Total known liquid
£4,600.73
Club Lloyds cleared funds were ~£48.99 before £38.02. Missing Jene’s personal Lloyds is not on Michael’s login.
What you owe
Outstanding · 19 Sep 2026
Debt
Balance
/ mo
Barclays mortgage
£267,820.92
£1,377.96
Lloyds home loan
£17,679.33
£662.72
Car finance HP
£4,689.75
£360.75
Lloyds Ultra …9799
£752.12
min £18.34
M&S CC …7975
£172.50
min £5.00
Barclaycard …1008
£0.00
unused
Total known debt
£291,114.62
PenFold pension
Michael · manual screenshot data · as of 22 Sep 2026 (Europe/London)
Detail
Value
Total pot
£11,255.94
Latest contribution
£238.40 total
Employee contribution
£0.00
Employer contribution
£238.40
Rates
Employee min 5% · employer min 3%
Basis
Qualifying earnings
Salary sacrifice
Off
Manual until UK login works. Figures transcribed from Michael’s app screenshots; live login is currently blocked from the Finley box’s US-appearing IP.
Spending by category
Not refreshed for 19 Sep 2026. Prior Apr–Jun category splits are omitted rather than shown as live data. Refresh transaction exports before drawing new charts.
What is live in this snapshot
Committed obligations only — no inferred spending categories.
Known recurring
Monthly
Status
Classic direct debits
£2,901.71
19 Sep; excl. British Gas
M&S Club Rewards
£10.00
Confirmed 19 Sep
Subscriptions
June list Not fully re-verified on 19 Sep. Only M&S Club Rewards £10 is confirmed live.
Subscription
Who
£ / mo
Fixed bills & direct debits
Classic commitments from 19 Sep. British Gas irregular — not in total.
Bill
Note
£ / mo
Debt detail
Account
Detail
Balance
Barclays mortgage — 27 Shelsmore, MK14 5HU
Michael & Jene · 4.39% (follow-on 5.74%) · ~28y 5m left
£267,820.92
Lloyds personal / home loan
31 of 36 left · 12.5% APR · next 1 Oct 2026
£17,679.33
Car Finance HP Kia Picanto KN73CEX
554256497 · 13 of 48 left
£4,689.75
Lloyds Ultra CC …9799
£3,500 limit · min £18.34 due 12 Oct 2026
£752.12
M&S CC …7975
£500 limit · min £5 due 8 Oct · Club Rewards £10/mo
£172.50
Barclaycard Forward …1008
£800 limit · unused
£0.00
Cost-saving opportunities
Prompts for review based on known commitments — not guaranteed savings.
Data gaps & next actions
Blocking a full household picture as of 19 Sep 2026.
missing
Jene’s personal Lloyds
Not on Michael’s login — liquid assets and any debts there may be understated.
irregular
British Gas
Last seen in June; not included in the £2,901.71 known-bills total.
refresh
Spending & cash flow
Apr–Jun estimates not carried forward. Refresh exports before category charts.
June
Subscriptions
June list retained for follow-up. Re-verify each charge; M&S Club Rewards £10 confirmed.
review
Mortgage rate horizon
4.39% current / 5.74% follow-on recorded; rate-change date not in this capture.