Card workbook: Credit Card Transaction Details as of 10 09 2026.xlsx · 93 transactions on 1 cards · read 10/08/2026 06:59 PM UTC

How this works: every charge on the family's cards (from the card workbook) and every expense, cheque, card charge and vendor bill in QuickBooks over the last 25 months is grouped by vendor — a card charge QuickBooks also itemises is counted once. A subscription on your list in the card workbook counts as approved unless you decide otherwise here. Every transaction behind a subscription opens where it came from: a QuickBooks charge opens as its own transaction in QuickBooks (in the office's company, so sign in to QuickBooks first); a card charge opens the card workbook and names the tab and row it was read from. The memo is read on every card and bank line — when QuickBooks has no vendor name, or a catch-all one (PayPal, Various), the memo says who was paid, and it tells two products from one vendor apart. The expense account each charge was assigned to is read too: one booked to Dues & Subscriptions or Software is treated as a subscription by the books themselves, and even a single such charge comes here for approval. Each vendor's charges are then tested for a rhythm — weekly through annual, allowing a skipped cycle. Regular and fixed-price is a subscription; anything uncertain goes to the approval box. The rest of the ledger is read too: spending booked to accounts QuickBooks types as income (this chart keeps most of its spending there), a journal entry that pays from a bank or card account, and a payment booked to a balance-sheet account (a prepaid plan, a suspense account) — a subscription found among them always comes to the approval box first. A card the card workbook itemises is read from the workbook, not twice. Food, payroll, taxes, transfers, loans, investments, owner draws, accruals and fair-value marks are never counted. “Late” means a charge due in a month the books are done for is missing — maybe a skipped month, not necessarily unpaid. The books are done at month end, so nothing due after 09/30/2026 is called late until its month is booked. A subscription reads Ended only once three charges in a row are missing (two for quarterly and longer plans, one more for a plan that has skipped before).