Household Finances

Combined view: 12 months of Woolworths online orders (full itemised invoices), 12 Qantas credit card statements, and in-store Coles / Woolworths spend pulled off the card. Built for Shane & Hannah.

Last built 12 Jul 2026

Overview

The Qantas card is the household's main spending account — groceries, subscriptions, insurance, dining, travel all run through it. Every one of the 2,100 transactions across all 12 statements has been parsed and categorised programmatically (not eyeballed) — 95.8% landed in a confident category; the remaining 4.2% is a genuine long tail of small one-off merchants.

Total card spend
$126,160
2,100 transactions, 12 statement cycles
Everyday groceries
$8,237
~$686/mo — Woolworths + Coles + McCoppinsch
Organic & quality grocers
$11,210
~$934/mo — Clay, Wild Things, Senserrick, butcher, market stalls — the lifestyle upgrade
Dining out
$21,377
Cafes + pubs/restaurants — still the single biggest category
Avg card cycle
~$10,500
$6,550 – $18,180 range
Categories have been corrected twice since the first pass — this dashboard reflects the current, verified version. Clay Health & Organics, Wild Things Food, Senserrick, and McCoppinsch have all moved out of "Cafes" and into groceries where they belong; Aust Physio Association and Adobe moved into Business; retail alcohol split into its own category; Woolworths and Coles merged into one "everyday groceries" line. Real grocery spend (everyday + organic combined) is ~$1,620/month, not the original ~$700/month estimate — see "The lifestyle cost of eating well" below for the full breakdown.

Where the card's $126,160 actually goes

Computed by parsing every transaction line from all 12 PDFs and matching merchant names against ~200 keyword rules — not a manual estimate. "Other" is 8 small categories folded together (home & household, donations, personal care, alcohol, a Ballarat-region property charge, Shane's business expenses, card fees, and the unmatched long tail) so the chart stays readable — see the full table below for every category split out.

Dining out (cafes, pubs & restaurants)$21,377 · 16.9%
Everyday groceries — Woolworths & Coles$8,237 · 6.5%
Organic & quality grocers lifestyle upgrade$11,210 · 8.9%
Travel & accommodation$15,263 · 12.1%
Fixed bills — insurance, utilities, streaming, gov/tax$13,073 · 10.4%
Health, medical & wellness$12,585 · 10.0%
Kids & family activities$10,246 · 8.1%
Shopping & retail$8,121 · 6.4%
Transport & auto$5,525 · 4.4%
Other (8 smaller categories + long tail)$20,522 · 16.3%

The lifestyle cost of eating well

Groceries split into "everyday" (Woolworths, Coles, McCoppinsch) and "organic/quality" (Clay Health & Organics, Wild Things Food, Senserrick green grocer, the local butcher, market stalls) — alcohol pulled out into its own category entirely, so it's not inflating either grocery number. This makes the actual food-quality premium visible instead of burying it inside one combined number.

12-mo totalPer month% of grocery spend
Everyday — Woolworths, Coles, McCoppinsch$8,237.10~$68642.4%
Organic & quality — Clay, Wild Things, Senserrick, butcher, market$11,210.20~$93457.6%
Premium over an all-everyday basket~$11,210~$934

More than half the grocery budget — 57.6% — goes to organic/quality grocers rather than the two mainstream supermarkets, and that's now a clean number with wine and alcohol already stripped out into their own category (see below). If every one of those trips became a Woolworths/Coles trip instead, groceries would run closer to $700–800/month total, not $1,620. The gap (~$934/month, ~$11,210/year) is the actual, isolated cost of eating this way.

This isn't being offset by drinking less elsewhere — it's a genuine trade-off, and the data backs that up. Alcohol now has its own category, separated out of groceries entirely: $1,002.16 in retail alcohol (Dan Murphy's, Rathdowne Cellars, BWS Liquor, Liquorland, Blackhearts & Spar) across 12 months — 0.79% of all card spend. One single $494.74 Dan Murphy's purchase (Jun 2025, almost certainly a bulk/event buy) is nearly half of that on its own; excluding it, routine retail alcohol runs under $50/month. Add the two wine/cocktail bar venues that live inside "Pubs, bars & restaurants" (Marion Wine Bar $232.37, Bar Carnation $227.34) and total alcohol-adjacent spend across the entire year, retail plus venues, is $1,461.87 — 1.16% of all card spend. The organic-grocery premium isn't a side effect of a generally expensive lifestyle — it reads as a specific, deliberate choice about food quality, made by a household that spends very little on alcohol.

Full category breakdown — every category, not just the top 8

Click any category to jump straight to its full merchant-by-merchant breakdown.

CategoryTotalTransactions% of spend
Travel & accommodation$15,263.362512.1%
Cafes & bakeries$12,873.2168310.2%
Health, medical & wellness$12,585.3611710.0%
Groceries — organic grocers, butcher, market stalls$11,210.203748.9%
Kids & family activities$10,246.421458.1%
Pubs, bars & restaurants$8,503.771306.7%
Groceries — everyday (Woolworths & Coles)$8,237.101006.5%
Shopping & retail$8,120.84966.4%
Business expenses (Shane's — tax deductible)$6,882.17235.5%
Transport & auto$5,525.29474.4%
Unmatched long tail (small, mostly holiday-town merchants)$5,276.891474.2%
Insurance (Allianz, RACV, Budget Direct)$3,975.68173.2%
Utilities & telco$3,944.97353.1%
Council, government & tax$3,242.42112.6%
Home & household$2,808.45202.2%
Streaming & subscriptions$1,909.95621.5%
Donations$1,575.15181.2%
Personal care & grooming$1,423.61131.1%
Property (Ballarat/regional — water rates, "Central Highlands Re")$1,023.7540.8%
Alcohol (retail)$1,002.16150.8%
Card fees & interest$529.72180.4%

"Cafes & bakeries" now means Amann Patisserie, Florian, and genuine coffee/bakery stops only — Clay Health & Organics, Wild Things Food, and Senserrick (a green grocer) all moved to groceries where they belong, and McCoppinsch (a supermarket) moved to everyday groceries. Retail alcohol (Dan Murphy's, Rathdowne Cellars, BWS, Liquorland, Blackhearts & Spar) is its own category now, separated out of groceries. Aust Physio Association membership and Adobe moved into Business expenses — professional/business costs, not personal health or streaming. "Property (Ballarat/regional)" is 4 quarterly water-rate charges from "Central Highlands Re" (Wendouree), confirmed. The unmatched long tail is mostly small holiday-town merchants (Ocean Grove, Barwon Heads, Torquay, Point Lonsdale, Heathcote) — food and incidentals while travelling that didn't cleanly match a keyword rule.

Merchants over $2,000 for the year

Only 10 individual merchants cross $2,000 across all 2,100 transactions — everything else is spread thin. Click through to see each one in its category context.

MerchantCategoryTotalTransactions
Woolworths OnlineGroceries — everyday (Woolworths & Coles)$5,147.0629
Racv ClubTravel & accommodation$4,525.378
Hbf Health LimitedHealth, medical & wellness$4,344.8936
Clay Health And OrganicsGroceries — organic grocers, butcher, market stalls$3,860.82157
Wild Things FoodGroceries — organic grocers, butcher, market stalls$3,526.5244
FlorianCafes & bakeries$3,425.72162
Komune Hotel BaliTravel & accommodation$3,318.451
Amann PatisserieCafes & bakeries$2,431.17178
Allianz InsuranceInsurance$2,201.9412
Airbnb (Surry Hills booking)Travel & accommodation$2,037.801

Together these 10 merchants account for $34,819.74 — 27.6% of all card spend — across just 628 of the 2,100 transactions.

Categories — full drill-down

Every category from the Overview donut, in full — every merchant that makes it up. Click any category in the Overview table to land here; each block links back up. Merchants totalling $2,000+ across the year are marked $2k+.

Travel & accommodation

↑ Overview

$15,263.36 total · 12.1% of all spend · 25 transactions · 13 distinct merchants

MerchantTotalTransactions
Racv Club $2k+$4,525.378
Komune Hotel Bali Idn $2k+$3,318.451
Airbnb * Hmxserbf9q $2k+$2,037.801
Park Hyatt Melb Opi$1,111.181
Crittenden Lakeside Vi$1,082.841
Qantas Airways$975.464
Airbnb * Hmha4fcbfa$968.941
Airbnb * Hm2fpwqqwp$439.021
1cover.Com.Au$325.801
Racv Holidays$125.201
Riverview Family Carav$125.001
Strapper$120.001
+ 1 more merchants$108.303

Cafes & bakeries

↑ Overview

$12,873.21 total · 10.2% of all spend · 683 transactions · 59 distinct merchants

MerchantTotalTransactions
Florian $2k+$3,425.72162
Amann Patisserie $2k+$2,431.17178
Loafer Bread$745.2541
Shimbashi Soba Sake$531.6023
Hap Cafe$413.8435
Florian Home$405.003
Calle Bakery Carlt$347.6026
Mali-Bakes$295.001
Lizzy'S Chocolates$279.6612
Cam'S$225.662
Two Bob Cafe$218.789
Monforte Viennoise$214.8013
+ 47 more merchants$3,339.13178

Health, medical & wellness

↑ Overview

$12,585.36 total · 10.0% of all spend · 117 transactions · 34 distinct merchants

MerchantTotalTransactions
Hbf Health Limited $2k+$4,344.8936
Bradley Miranda Susa$1,666.842
Www.Jwp.Care$728.002
Goodvibesyoga.Com.Au$598.004
Emma Sugg Massage Brunswick$541.504
Zima Dental Au Monmouth Lnd$473.933
Choice Pharmacy Brun$445.2510
The Lab Organics$408.758
Laura Jane Beaton$368.203
Natalie Claire MacKe$351.103
Health Hub L0632$232.844
Bio Concepts Pty Ltd$215.091
+ 22 more merchants$2,210.9737

Groceries — organic grocers, butcher, market stalls

↑ Overview

$11,210.20 total · 8.9% of all spend · 374 transactions · 31 distinct merchants

MerchantTotalTransactions
Clay Health And Organi $2k+$3,860.82157
Wild Things Food $2k+$3,526.5244
Senserrick Green G$1,014.3244
Ebv$443.9612
The Butchers Block Cli$369.2610
Ceres Life$347.941
Rathdowne Grocery$311.5832
Wild Things Food Qps$296.1919
The Dirt Company Eaglemont$212.703
Piedimonte'S L0111$203.546
Clay Health & Organics$130.0910
This Earth This Fo$84.485
+ 19 more merchants$408.8031

Kids & family activities

↑ Overview

$10,246.42 total · 8.1% of all spend · 145 transactions · 29 distinct merchants

MerchantTotalTransactions
L9 Unlimited$1,872.0052
The Littleoak Compa$1,627.445
Baby Bunting Pty Ltd$1,257.102
Ymca Cp$1,198.0029
Pregnanc$921.987
New Bub Club$640.604
Yoto Australia London Lnd$316.872
Little Company$300.001
Zoo Parkville$298.001
Nature Baby Nz Auckland Auk$291.161
Nature Baby Auckland NZ$248.821
Sukworkwear$150.002
+ 17 more merchants$1,124.4538

Pubs, bars & restaurants

↑ Overview

$8,503.77 total · 6.7% of all spend · 130 transactions · 56 distinct merchants

MerchantTotalTransactions
Uber *Eats Help.Uber.C$823.099
Royal Oak Hotel$539.2010
Joanne'S Pizzeria$514.008
Terra Madre$454.884
United$424.726
Amaru Armadale$417.751
Arms$362.887
Muscrats$325.853
Assembly Smith Street$320.002
Marion Wine Bar$232.371
Bar Carnation Pty L$227.341
Sleepys Cafe And W$222.975
+ 44 more merchants$3,638.7273

Groceries — everyday (Woolworths & Coles)

↑ Overview

$8,237.10 total · 6.5% of all spend · 100 transactions · 14 distinct merchants

MerchantTotalTransactions
Woolworths Online $2k+$5,147.0629
Coles 7997$1,534.5531
McCoppinsch L0750$335.0012
Woolworths 3565$249.804
Coles 7997coles 7997$248.373
Woolworths 3604$199.831
Delivery Unlimited$119.001
Coles 0665$118.473
Coles Express 6742$87.993
Woolworths 3163$68.382
Ww Metro 3398$66.458
Coles 7693$41.701
+ 2 more merchants$20.502

Shopping & retail

↑ Overview

$8,120.84 total · 6.4% of all spend · 96 transactions · 43 distinct merchants

MerchantTotalTransactions
Amazon Au Marketplace$809.4416
The Good Guys Ballar Ballarat$589.001
Cr Melbourne Central Melbourne VIC$541.912
Amazon Au Retail$502.8913
Lacevo South Coogee$474.051
Myer Pty Ltd$400.943
Rathdowne News$279.909
Salomon Australia Braeside$270.001
Target Williams Land$241.402
Myer City$226.593
The Memo Store$208.852
Deiji Pty Ltd$204.001
+ 31 more merchants$3,371.8742

Business expenses (Shane's — tax deductible)

↑ Overview

$6,882.17 total · 5.5% of all spend · 23 transactions · 16 distinct merchants

MerchantTotalTransactions
Facebk *6fr9tc5yg2$703.001
Easycompanies Barangaroo$676.681
Facebk *Qcdbvbzxg2$673.001
Facebk *Hzmrda9yg2$616.001
Facebk *W7bsl2dyg2 Facebook.Com$491.001
Webflow.Com San Franciscous$482.801
Facebk *6uhwyw8yg2 Facebook.Com Ie$446.001
Facebk *7epnlwuyg2 Facebook.Com Ie$405.001
Facebk *R56unwqyg2 Facebook.Com Ie$368.191
Facebk *Tvq8lv4yg2 Facebook.Com Ie$368.001
Miro.Com San Franciscous$341.491
Adobe$293.646
+ 4 more merchants$1,017.376

Transport & auto

↑ Overview

$5,525.29 total · 4.4% of all spend · 47 transactions · 23 distinct merchants

MerchantTotalTransactions
City Toyota$1,522.491
Prorepair Automotive$689.462
Racv$483.901
Racv Batteries Keysborough$410.001
Bicycles$393.693
Uber *Trip Help.Uber.C 14518236738$289.8711
Ultratune$278.851
Velo Cycles$278.003
Eastlink Ringwood$240.004
Super Cheap Auto Essendon$151.971
Taxipay Australia$133.351
Wilson Parking Mel195$105.001
+ 11 more merchants$548.7117

Uncategorised

↑ Overview

$5,276.89 total · 4.2% of all spend · 147 transactions · 107 distinct merchants

MerchantTotalTransactions
Gww Sunbury$593.153
Inner Cmw$530.002
Gww Footscray$211.231
Haych Sunbury$200.161
Mitte$185.875
Sunbakers$158.415
Zlr*Freshwater Creek C Freshwater Cr Aus$153.273
Metro$89.301
Cwh Smith Stre$88.041
Everything Australian$86.701
Betty'S Burgers Torqu$85.581
Baguette Studios Pt$84.043
+ 95 more merchants$2,811.14120

Insurance

↑ Overview

$3,975.68 total · 3.2% of all spend · 17 transactions · 3 distinct merchants

MerchantTotalTransactions
Allianz Insurance Abs $2k+$2,201.9412
Budget Direct$1,111.281
RACV Insurance$662.464

Utilities & telco

↑ Overview

$3,944.97 total · 3.1% of all spend · 35 transactions · 4 distinct merchants

MerchantTotalTransactions
Lumo Energy Aust$1,888.3411
Telstra Services$1,652.0013
Aussie Broadband Limit Morwell$380.004
Google One Barangaroo$24.637

Council, government & tax

↑ Overview

$3,242.42 total · 2.6% of all spend · 11 transactions · 7 distinct merchants

MerchantTotalTransactions
Vicroads Online Paymen$1,870.342
Ato Payment$736.721
Yarra City Council$526.664
Registry Of Bdm$67.901
Melbourn Conventon$22.001
City Of Yarra$17.801
Ballarat City Council$1.001

Home & household

↑ Overview

$2,808.45 total · 2.2% of all spend · 20 transactions · 10 distinct merchants

MerchantTotalTransactions
Beds By Design Au Campbellfield$788.001
Koala Au$675.001
Merriville Home$372.406
Post Lpo$346.553
Brico$303.561
Ecosa Group Pty. Ltd$120.001
Bed Bath N Table Brunswick$79.951
Kn And Ge Pty Ltd$77.844
Crystalwhite Coburg$34.201
AUSPOST Online Return$10.951

Streaming & subscriptions

↑ Overview

$1,909.95 total · 1.5% of all spend · 62 transactions · 13 distinct merchants

MerchantTotalTransactions
Kayo / Streamotion (Hubbl)$503.9612
Apple.Com/Bill$428.3512
Netflix.Com$338.8812
Audible Limited Au$197.4012
Proton Ag* Proton Ag$195.481
Uber *One$96.001
Prime Video Channels$43.964
Prime Vide* Prime Vide$38.973
Spotify P3810343d5$19.991
Spotify P38fb9b2b1$19.991
Spotify P39f5f219e$19.991
Kindle Svcs$3.991
+ 1 more merchants$2.991

Donations

↑ Overview

$1,575.15 total · 1.2% of all spend · 18 transactions · 5 distinct merchants

MerchantTotalTransactions
Plan Australia$1,092.0014
Variety Hour$300.001
Gfm*Gofundme Isaac Tor Gofundme.Com$100.001
Ilf Indigenousliteracy$50.001
Variety /Act$33.151

Personal care & grooming

↑ Overview

$1,423.61 total · 1.1% of all spend · 13 transactions · 6 distinct merchants

MerchantTotalTransactions
Pomp Hair Pty Ltd$654.013
Mecca Brands Pty Ltd$300.002
Renard S Barber Shop$285.005
James Cosmetics Bundall$109.001
Deciem Australia$64.601
Lush$11.001

Property (Ballarat/regional)

↑ Overview

$1,023.75 total · 0.8% of all spend · 4 transactions · 1 distinct merchants

MerchantTotalTransactions
Highlands Re$1,023.754

Alcohol (retail)

↑ Overview

$1,002.16 total · 0.8% of all spend · 15 transactions · 5 distinct merchants

MerchantTotalTransactions
Dan Murphy's 3778$494.741
Rathdowne Cellars$334.009
Blackhearts & Spar$130.423
Bws Liquor 3231 Ballarat$28.001
Liquorland 3781$15.001

Payments/fees/interest

↑ Overview

$529.72 total · 0.4% of all spend · 18 transactions · 3 distinct merchants

MerchantTotalTransactions
Annual Fee$299.001
International Transaction Fee$230.6716
Interest Charged$0.051

Groceries

Full itemised detail from Woolworths' own invoices, plus what the card shows for the channels Woolworths' order-history page doesn't cover.

Woolworths, Coles, and Woolworths in-store are now one combined "everyday groceries" line — see the Overview tab for the everyday vs. organic/quality split and the full category breakdown.

Everyday groceries — all channels
$8,237.10
Woolworths (online + in-store) + Coles + McCoppinsch, ~$686/mo
Woolworths online — full itemised invoices
$2,592.65
12 orders, Jan–Jun 2026 — the only orders with line-item detail
Woolworths online — found on card only
~$2,935
17 orders, Jul 2025–Jan 2026, missing from the website
In-store top-ups — Coles + Woolworths Metro
$2,636.04
Coles $2,031.08 + in-store Woolworths $604.96
The Woolworths website undercounts its own order history. Its "My Orders" page — even with the date filter widened to a full year back — shows only 12 orders starting 21 Jan 2026. Cross-checking the Qantas card found 17 more "Woolworths Online" charges from 12 Jul 2025 through 12 Jan 2026 that never appear on the site. Real online grocery spend over the last 11 months is closer to $5,528 across 29 orders, not $2,593 across 12.
Once Clay Health & Organics, Wild Things Food, Senserrick, the butcher, and market stalls are counted, the real grocery bill is ~$1,620/month, not ~$700. That's an extra ~$11,210 categorised as "organic grocers, butcher, market stalls" — Clay Health & Organics (near-daily, initially miscategorised as a cafe), Wild Things Food, Senserrick (a green grocer, initially miscategorised as a cafe), The Butchers Block, and Queen Victoria Market stalls. Alcohol (Dan Murphy's, BWS, etc.) has its own category now, kept separate so it doesn't inflate this number. All genuine food shopping that just doesn't show up under a supermarket name. See the Overview tab for the full everyday-vs-organic split and category breakdown.

What's actually on repeat (from the 12 fully-itemised orders)

Exact frequency counts across all 12 invoiced orders — how many of the 12 each item appears in.

ItemOrdersCategory
Dairyworks cheese (block / grated / mozzarella)10 / 12Dairy
Macro Free Range Chicken Thigh Fillet9 / 12Protein — default stir fry meat
Lurpak Butter Spreadable8 / 12Dairy
Woolworths Wholemeal Loaf7 / 12Bakery
Mr Chen's Pork & Chive Dumplings7 / 12Frozen / protein
Oat milk (Pureharvest / Macro / Vitasoy — brand varies)7 / 12Drinks
Maggie Beer stock (beef or chicken)6 / 12Pantry
Macro Classic Tofu6 / 12Protein — direct stir fry match
Nappies (Huggies / BabyLove, sizes vary)6 / 12Baby
Lotus Biscoff Biscuits5 / 12Snacks
Macro Organic Quick Oats5 / 12Breakfast
Macro Passata / Chunky Bolognese sauce5 / 12Pantry — pasta-night base
Avocado (5 pack)5 / 12Produce
Koja oat bars (any variety)5 / 12Kids' lunchbox snacks
Meal plan check: the plan from the agenda (cook every 2nd day, stir fry weekly, pizza Sundays) already lines up with what's in the trolley — tofu, chicken thigh, dumplings and pasta sauce are already regulars.

Nappies, corrected

Show up in exactly 6 of 12 orders, not every one. Sizing isn't a clean progression either — Size 3 (21 Jan) → Size 4 (Feb–Apr), then Sizes 4, 5 and 6 all get ordered within the same six-week window (13 Apr–7 Jun), which reads as buying ahead / working through mixed stock rather than a tidy size-up. Current size as of late June: Size 5.

Woolworths order-by-order (12 fully itemised)

DateTotalItems
21 Jan 2026$218.7232
3 Feb 2026$196.6937
12 Feb 2026$108.7512
24 Feb 2026$211.9530
12 Mar 2026$181.9429
23 Mar 2026$230.4542
12 Apr 2026$213.4838
28 Apr 2026$232.6332
11 May 2026$224.0534
22 May 2026$195.0029
7 Jun 2026$190.1222
24 Jun 2026$388.8748 — includes a $45 4L bulk olive oil buy

Plus 17 more orders (~$2,935 total) between 12 Jul 2025 and 12 Jan 2026 found on the card but not itemisable — the website won't surface them and no invoice PDFs exist for them yet.

Qantas Card — 12-month spend

Jun 2025 – Jun 2026. Card was reissued mid-year (Qantas Premier Platinum → Qantas Money Platinum, same account) — no gap in coverage.

Accuracy check, re-run end to end. All 2,133 transaction lines across all 12 PDFs were re-parsed and cross-checked against each statement's own official totals — not just eyeballed. Every one of the 12 statements' closing balances chains exactly into the next statement's opening balance (zero gaps, zero duplicates, zero missing months). For the 9 newer-format statements, the parsed purchase totals match Qantas's own "Purchases & other charges" line to the cent, every time. While checking this, one real bug turned up and got fixed: the 3 oldest statements (Jun–Sep 2025) used a slightly different layout where BPAY payment reference numbers start with letters (e.g. "BMRB225...") instead of pure digits — the parser's pattern only accepted digits, so it silently dropped 6 BPAY payment lines worth $38,622 combined. Those are all payments (money going the other way), so this never touched any spending or category total on this dashboard — it only affected the "total credits" figure, now fixed and reconciled to the cent as well.

Spend per statement cycle

Oct 2025 is the outlier — a Bali trip (Komune Hotel, flights, Airbnb) pushed that cycle to ~$18k. All 12 bars are the actual parsed purchase totals for that cycle, verified against the statements' own numbers (see accuracy note above) — none of these are estimates.

$14.9k
Jun 25
$12.9k
Jul 25
$11.9k
Aug 25
$7.8k
Sep 25
$18.2k
Oct 25
$12.5k
Nov 25
$9.2k
Dec 25
$8.7k
Jan 26
$6.6k
Feb 26
$8.1k
Mar 26
$6.9k
Apr 26
$8.4k
May 26
Regular cycle   Outlier (Bali trip)
This card is used as an everyday transaction account, not just for purchases. Most cycles the balance gets paid off before real interest accrues — but purchases regularly run $9k–13k against a $15k limit; Available Credit dropped to $1,716 in the Oct 2025 statement. Worth knowing if a large purchase is coming up.

Notable one-off purchases

DateWhatAmount
27 Jun 2025RACV Club Melbourne — family holiday booking (membership unlocked a large discount on this)$3,407.37
27 Jun 2025Melbourne City Toyota$1,522.49
19–20 Oct 2025Bali trip — Komune Hotel + flights + Airbnb~$4,800 total
26 Oct 2025Airbnb (Surry Hills)$2,037.80
29 Nov – 1 Dec 2025Baby Bunting (×2)$898.00 + $359.10
24 Dec 2025The Good Guys (Ballarat)$589.00
31 Oct 2025Bradley Miranda Susa(n) — Richmond, charged twice same day$833.42 × 2
9 May 2026Goodvibesyoga.com.au$515.00
24 May 2026Crittenden Lakeside — Dromana$1,082.84

The Bradley Miranda Susan double-charge (identical amount, same merchant, same day) is worth a second look — could be legitimate (two sessions) or a duplicate.

Resolved — "Facebk *" charges were business Meta/FB ad spend. Confirmed: Shane's business ran ads through this card for a period in 2025 (~$5,000 across the year, climbing from ~$368 to ~$703 per charge). Already moved off this card — historical, not a live cost.
Adobe refund event, 9 Dec 2025: six separate $39.59 credits landed the same day — about $237.54 refunded. A billing duplication that got caught and fixed. No action needed.
Daily habit spend: "Sq *Amann Patisserie", "Sq *Florian", and "Clay Health And Organics" (all Carlton North) appear almost every single day across all 12 statements, usually 2–4 times a day between them, $5–50 a pop. Individually small, but it's the single largest cumulative discretionary category on the card.

Trend check — has dining spend actually dropped?

Cafes + pubs/restaurants combined, by month. The feeling is "we barely go out any more" — the card doesn't back that up. It's basically flat all year, and the two most recent full months (Apr–May 2026) are the same or higher than the first two months of the whole dataset. Coffee specifically (Florian + Amann, the two daily-habit cafes) is just as flat, ~$400–500/month the whole way through.

$2.18k
Jun 25
$1.73k
Jul 25
$2.09k
Aug 25
$1.57k
Sep 25
$1.73k
Oct 25
$1.03k
Nov 25
$2.67k
Dec 25
$1.72k
Jan 26
$1.84k
Feb 26
$1.66k
Mar 26
$2.09k
Apr 26
$2.08k
May 26

Dec 2025 is the outlier (holiday season). Excluding it, the monthly average is ~$1,850 with no real trend up or down — first-3-months average ($1,999/mo) and last-3-full-months average ($1,945/mo) are within 3% of each other. If the goal is genuinely to cut dining spend, this is the category to target with an actual number in mind (e.g. a $1,200/month cap) rather than relying on how it feels — the feeling isn't showing up in the data yet.

Petrol — worth a look given there are 2 cars. Only $397.13 in fuel across the whole 12 months, 7 fill-ups, for two vehicles (Toyota + Subaru). That's ~$33/month combined. Either one car is doing almost all the driving, or most fuel is being paid for another way (cash, a different card, salary-packaged fuel card) — worth confirming which, because if it really is this low, it's a real question of whether running two cars is necessary at all.
"Disney Junior" charge, 24 Jan 2026 ($85) — not the Disney+ subscription. This is a Square terminal charge ("Sq *Disney Junior Merc"), almost certainly a live show or merch stall purchase, not a recurring streaming charge — filed under Kids & family activities, one-off. Disney+ itself doesn't appear as its own line anywhere on this card in the last 12 months. If it was billed through the App Store, it would be folded into the opaque "Apple.com/Bill" charges below (Apple doesn't itemise which app), so its cancellation can't be independently confirmed from this data — but nothing here contradicts you having cancelled it.

Recurring costs

Every merchant re-checked by actual charge pattern (cadence + most recent charge date vs. the data's own end date of 5 Jun 2026) rather than assumed. Split into what's still genuinely charging today and what's stopped — a few things below were miscategorised as "roughly monthly" in the first pass; this version is corrected against what you told me plus the transaction dates themselves.

Still recurring today ACTIVE

WhatCadencePer chargeActual 12-mo totalStatus
HBF Health — private health cover~Fortnightly$68–121$4,344.89Active
Allianz Insurance — car policyMonthly$183.50$2,201.94Active
Budget Direct — Subaru policyAnnual (billed once, 1 Dec)$1,111.28$1,111.28Active
Lumo EnergyMonthly$155–200$1,888.34Active
TelstraMonthly$127–145$1,652.00Active
L9 Unlimited (Nunawading)Weekly, every week$36.00$1,872.00Active
The Littleoak Company (kids)~Quarterly (termly)~$325$1,627.44Active
YMCA CP (kids swim)Weekly/fortnightly$27–49$1,198.00Active
Plan Australia (donation)Monthly, 14 charges straight$78.00$1,092.00Active
Central Highlands RE (Ballarat property, water)~Quarterly~$256$1,023.75Active
Kayo / Streamotion (Hubbl)Monthly$40–46$503.96Active
Yarra City Council (rates)~Quarterly~$132$526.66Active
NetflixMonthly$25.99–28.99$338.88Active
"Apple.com/Bill" — bundled, unidentifiedIrregular$1.43–150$428.35Active
AudibleMonthly$16.45$197.40Active
Proton (Mail/VPN)Annual (billed once, Mar)$195.48$195.48Active
Google OneIrregular, small$1–4.50$24.63Active

Active recurring floor: ~$19,700/year (~$1,642/month) — before any groceries, cafes, one-off kids spend, or discretionary purchases. Kayo/Hubbl and Plan Australia both went up slightly from the previous cut once billing-descriptor variants (Streamotion, and a stray "Plan International Aus" charge) got reconciled into the same line rather than sitting as separate, undercounted entries.

Stopped — no longer charging CONCLUDED

WhatLast chargeRan for12-mo total while activeNote
RACV Club membership25 May 2026Jul 2025 – May 2026, tapering ($202 → $65.50 → $42.50)$1,118.00You've confirmed this has now concluded. (Excludes the one-off $3,407.37 holiday-discount charge in Jun 2025 — that's a separate one-off, not membership.)
RACV Insurance1 Sep 2025Jun–Sep 2025 only$662.46Stopped 9+ months before the data ends — worth confirming this was actually cancelled/replaced rather than just lapsed.
RACV Membership (roadside)14 Aug 2025Jun–Aug 2025 only$108.30Same wind-down as the rest of the RACV relationship.
Aussie Broadband11 Sep 2025Jun–Sep 2025 only$380.00Stopped 9+ months ago — worth checking what internet is actually running the house on now, since nothing else picked it up on this card.
Amazon Prime Video Channels28 Feb 2026Jun 2025 – Feb 2026$82.93Billing descriptor changed mid-way ("Prime Video Channels" → "Prime Vide*"), same underlying charge.

Adobe has been removed from this table — it's Shane's business software, not a household subscription, so it now lives in Business expenses (see the Overview category table). The $237.54 refund event noted below still happened, it's just no longer filed as a personal cost. Disney+ isn't in either table — it never appeared as its own line item on this card in the last 12 months (see note in the Qantas Card section above). Nothing here contradicts having cancelled it.

Budget read

Run rate~$10,500/month average, but lumpy — $6,550 to $18,180 depending on whether there's a trip or big purchase that cycle
Fixed/recurring floor~$19,700/year (~$1,642/month) — verified merchant-by-merchant, see table above
Two cars, ~$33/month combined petrolGenuinely worth a look — see the petrol callout in the Qantas Card section. That's the one number here that doesn't match "we have two cars we actively use."
Dining outFlat all year at ~$1,850/month (excluding Dec), not trending down — see the trend chart in the Qantas Card section. If cutting back is the goal, it hasn't shown up in the data yet.
Biggest lever if reviewing costsRACV is already winding down and Meta ad spend is already off the card — the next real lever isn't a subscription to cancel, it's dining out (flat, not falling) and confirming whether 2 cars are still needed given how little fuel gets bought

This is one card only — it doesn't capture other accounts, cash spend, or the Allianz home insurance policy (which doesn't appear on this card — likely paid from a different account or outside this 12-month window).