Same three rolling 12-month windows as the Financial Summary (Jul–Jun, so all three are complete years) — the current one ends 31 July 2026. Taxes are excluded, same as the summary. Click a bucket to see the categories inside it. A category tagged new, stopped or volatile moved more than 2.2x its other two years by at least $1,500 — computed from the data, not a hand-picked list.
Total lifestyle spending: $115k → $135k → $150k (Up 31%)
With the 4 most volatile categories removed (Home Improvements, Home Maintenance, Education, Gifts), the underlying cost of living trend is $106k → $121k → $112k.
| Bucket / Category | Aug ’23–Jul ’24 | Aug ’24–Jul ’25 | Aug ’25–Jul ’26 |
|---|---|---|---|
| Housing | $56k | $55k | $55k |
| Mortgage | $38,568 | $38,568 | $38,568 |
| Property Tax | $12,579 | $12,469 | $12,454 |
| Utilities | $4,724 | $4,337 | $4,409 |
| Home Projects & Upkeep | $3k | $14k | $33k |
| Home Improvements new | $269 | $638 | $29,474 |
| Home Maintenance volatile | $3,189 | $13,161 | $3,095 |
| Food & Dining | $17k | $17k | $17k |
| Groceries | $11,124 | $11,206 | $11,409 |
| Dining Out | $5,857 | $5,702 | $5,633 |
| Travel | $10k | $25k | $16k |
| Travel | $9,541 | $25,140 | $15,601 |
| Shopping | $7k | $6k | $12k |
| Education new | $0 | $0 | $5,726 |
| Shopping | $4,141 | $3,897 | $4,049 |
| Personal Care | $2,514 | $2,475 | $2,585 |
| Giving | $10k | $5k | $5k |
| Giving | $4,782 | $4,893 | $5,157 |
| Gifts stopped | $5,146 | $229 | $125 |
| Healthcare | $5k | $5k | $5k |
| Healthcare | $5,029 | $4,976 | $4,897 |
| Transportation | $4k | $4k | $4k |
| Auto & Gas | $3,744 | $3,645 | $3,717 |
| Other | $2k | $2k | $2k |
| Investment Fees | $1,747 | $1,760 | $1,725 |
| Subscriptions & Media | $2k | $2k | $2k |
| Subscriptions | $1,693 | $1,673 | $1,651 |