Business first, then personal. The owner draw below is the link between them — it leaves the business and arrives as personal income.
What the old spreadsheet got wrong. It counted only the paycheck as personal income, so it showed roughly −$8,770 every month. Owner draws left the business tab and never arrived on the personal one. Here they do.
Hanna Advisory
Personal
The day the money lands
Top to bottom, one sitting. When the last box is ticked, nothing needs deciding for thirty days.
Still to move
—
Steps done
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Leave it alone — it pays itself
Move out of Relay
Then out of checking, same day
The mortgage funds from the draw now, not the paycheck. Net pay fell to $3,263 when withholding went to 23% / 8% — $1,599 short of the $4,862 payment. The old habit breaks this month.
Bills that arrive once a year
Every one of these has blindsided you at least once. Set the monthly figure aside and next September none of them is an event. Double-tap a row to remove it.
BillPer yearPer month
Two are already running. The PG&E true-up is on a 12-month plan at $140.18 through September 2027, and the AAA policy was paid in full on 19 September. Next year both should come out of this fund instead.
Also on the property
Water system maintenance runs about $140 every three months. The Triple O UV bulb is about $190 every eighteen months — last replaced 18 April 2026, so next around October 2027.
Hanna Advisory deductions
Log it when it happens, not next April. Categories match how an S-corp return is organised, so this hands straight to Bryce. Double-tap a row to remove it.
Estimated tax this year
Federal and California are separate governments. A federal overpayment cannot cover a California shortfall — it returns as a refund, or rolls into next year's federal estimates. The January 15 CA payment is required either way.
Logged
Total$0.00
By category
Private. Everything stays in this browser — nothing is uploaded.