Tools Used
- PDF text extraction:
pdfplumber 0.11.10
~/utils/acct-qbo @ 3af1f7b (reconcile_statement.py, reconcile_bank.py, hst_assistance.py)- Run: 2026-08-09 17:50 — report-only, no QBO write path exists in this tool
As of 2025-06-01, ALL Bills (accrual accounting) are treated as Expenses (cash accounting) — QBO’s cheapest tier (EasyStart) does not process Bills. Deferred-payment bills (e.g. Rogers) are entered as Expenses, charged and paid on the credit card transaction date (not the posting date, and never the bill’s “Required Payment Date”).
Sectioned in work order: prep -> enter expenses (by vendor) -> enter eIncome -> reconcile credit card (by month) -> chequing -> issues.
--from/--to select statements by their FILENAME date, not the transaction date inside them (a statement dated late in month N covers charges from late month N-1).
Never hand-edit this file — it is regenerated on every run. Put notes in Core/Accounting/Notes/HST-assistance-notes.md (date | amount | note); they are merged into the Status column below.
Statements (found on disk for this range):
- Credit card (/mnt/d/FSS/Accounting/Statements/CreditCard): BMO_2025-06-25.pdf, BMO_2025-07-25.pdf, BMO_2025-08-25.pdf, BMO_2025-09-25.pdf, BMO_2025-10-25.pdf, BMO_2025-11-25.pdf, BMO_2025-12-25.pdf, BMO_2026-01-25.pdf, BMO_2026-02-25.pdf, BMO_2026-03-25.pdf, BMO_2026-04-25.pdf, BMO_2026-05-25.pdf, BMO_2026-06-25.pdf
- Chequing (/mnt/d/FSS/Accounting/Statements/Chequing): BMO_2025-06-30.pdf, BMO_2025-07-31.pdf, BMO_2025-08-29.pdf, BMO_2025-09-29.pdf, BMO_2025-10-31.pdf, BMO_2025-11-28.pdf, BMO_2025-12-31.pdf, BMO_2026-01-30.pdf, BMO_2026-02-27.pdf, BMO_2026-03-31.pdf, BMO_2026-04-30.pdf, BMO_2026-05-29.pdf, BMO_2026-06-30.pdf
Expense receipts — per-vendor retrieval notes and the account/tax-code table are in the generated Notes/Vendors.md. SSOT is /mnt/d/FSS/KB/Core/Accounting/Config/vendors/vendors.yaml (edit there, never the generated view).
eIncome — /mnt/d/FSS/Accounting/eIncome
Vendor bills (e.g. Rogers, for any charge flagged TBD below) — /mnt/d/FSS/Accounting/Bills
Shaped for the QBO Expense -> Copy -> Duplicate -> change-date flow: constant fields stated once in each block header, only what varies in the rows.
| Date | Amount | Pretax | HST | Note | Status |
|---|
| 2025-09-23 | 1214.75 | 1075.00 | 139.75 | | |
| Date | Amount | Pretax | HST | Note | Status |
|---|
| 2025-12-29 | 31.64 | 28.00 | 3.64 | | x |
| 2026-01-29 | 31.64 | 28.00 | 3.64 | | x |
| 2026-02-28 | 31.64 | 28.00 | 3.64 | | x |
| 2026-03-29 | 31.64 | 28.00 | 3.64 | | x |
| 2026-04-29 | 31.64 | 28.00 | 3.64 | | x |
| 2026-05-29 | 31.64 | 28.00 | 3.64 | | x |
| Date | Amount | Pretax | HST | Note | Status |
|---|
| 2025-10-23 | 28.72 | 28.72 | 0.00 | | x |
| 2025-11-23 | 28.97 | 28.97 | 0.00 | | x |
| 2025-12-23 | 28.19 | 28.19 | 0.00 | | x |
| 2026-01-23 | 28.31 | 28.31 | 0.00 | | x |
| 2026-02-23 | 28.09 | 28.09 | 0.00 | | x |
| 2026-03-23 | 28.20 | 28.20 | 0.00 | | x |
| 2026-04-23 | 28.06 | 28.06 | 0.00 | | x |
| 2026-05-23 | 28.34 | 28.34 | 0.00 | | x |
| 2026-06-23 | 29.12 | 29.12 | 0.00 | | x |
| Date | Amount | Pretax | HST | Note | Status |
|---|
| 2025-06-11 | 30.50 | 26.99 | 3.51 | | |
| 2025-07-11 | 30.50 | 26.99 | 3.51 | | |
| 2025-08-14 | 337.87 | 299.00 | 38.87 | | |
| Date | Amount | Pretax | HST | Note | Status |
|---|
| 2025-07-04 | 25.93 | 22.95 | 2.98 | | x |
| 2025-10-25 | 25.93 | 22.95 | 2.98 | | x |
| 2025-10-29 | 25.93 | 22.95 | 2.98 | | x |
| 2026-02-02 | 107.80 | 95.40 | 12.40 | | x |
| 2026-03-02 | 25.93 | 22.95 | 2.98 | | x |
| 2026-03-27 | 25.93 | 22.95 | 2.98 | | x |
| 2026-03-27 | 25.93 | 22.95 | 2.98 | | x |
| 2026-03-29 | 25.93 | 22.95 | 2.98 | | x |
| 2026-04-04 | 25.93 | 22.95 | 2.98 | | x |
| 2026-04-04 | 25.93 | 22.95 | 2.98 | | x |
| Date | Amount | Pretax | HST | Note | Status |
|---|
| 2025-08-25 | 120.00 | 120.00 | 0.00 | | |
| Date | Amount | Pretax | HST | Note | Status |
|---|
| 2026-05-22 | 70.74 | 62.60 | 8.14 | | |
| Date | Amount | Pretax | HST | Note | Status |
|---|
| 2025-05-30 | 90.39 | 79.99 | 10.40 | Internet 54.99/7.15 + Wireless / Cell 25.00/3.25 — steady state FY26-A, confirmed vs Rogers-2025-06-16.pdf | x |
| 2025-07-03 | 90.39 | 79.99 | 10.40 | Internet 54.99/7.15 + Wireless / Cell 25.00/3.25 — steady state FY26-A, confirmed vs Rogers-2025-06-16.pdf | x |
| 2025-08-15 | 90.39 | 79.99 | 10.40 | Internet 54.99/7.15 + Wireless / Cell 25.00/3.25 — steady state FY26-A, confirmed vs Rogers-2025-06-16.pdf | x |
| 2026-01-30 | 96.05 | 85.00 | 11.05 | Internet 50.00/6.50 + Wireless / Cell 35.00/4.55 — steady state FY26-B, confirmed vs Rogers-2025-12-16.pdf | x |
| 2026-03-02 | 96.05 | 85.00 | 11.05 | Internet 50.00/6.50 + Wireless / Cell 35.00/4.55 — steady state FY26-B, confirmed vs Rogers-2025-12-16.pdf | x |
| 2026-03-30 | 96.05 | 85.00 | 11.05 | Internet 50.00/6.50 + Wireless / Cell 35.00/4.55 — steady state FY26-B, confirmed vs Rogers-2025-12-16.pdf | x |
| 2026-04-30 | 96.05 | 85.00 | 11.05 | Internet 50.00/6.50 + Wireless / Cell 35.00/4.55 — steady state FY26-B, confirmed vs Rogers-2025-12-16.pdf | x |
| 2026-05-30 | 96.05 | 85.00 | 11.05 | Internet 50.00/6.50 + Wireless / Cell 35.00/4.55 — steady state FY26-B, confirmed vs Rogers-2025-12-16.pdf | x |
| Date | Amount | Pretax | HST | Note | Status |
|---|
| 2025-06-03 | 14.68 | 12.99 | 1.69 | | x |
| 2025-07-03 | 14.68 | 12.99 | 1.69 | | x |
| 2025-08-03 | 14.68 | 12.99 | 1.69 | | x |
| 2025-09-03 | 14.68 | 12.99 | 1.69 | | x |
| 2025-10-03 | 14.68 | 12.99 | 1.69 | | x |
| 2025-11-03 | 14.68 | 12.99 | 1.69 | | x |
| 2025-12-03 | 14.68 | 12.99 | 1.69 | | x |
| 2026-01-03 | 14.68 | 12.99 | 1.69 | | x |
| 2026-02-03 | 14.68 | 12.99 | 1.69 | | x |
| 2026-03-03 | 14.68 | 12.99 | 1.69 | | x |
| 2026-04-03 | 14.68 | 12.99 | 1.69 | | x |
| 2026-05-03 | 14.68 | 12.99 | 1.69 | | x |
| 2026-06-03 | 14.68 | 12.99 | 1.69 | | x |
Source files in /mnt/d/FSS/Accounting/eIncome: KDP_Payments_2021DE21.xlsx, KDP_Payments_2021JL12.xlsx, KDP_Payments_2022AP05.xlsx, KDP_Payments_2022JN30.xlsx, KDP_Payments_2023JL07.pdf, KDP_Payments_2023JL07.xlsx, KDP_Payments_2024AP24.xlsx, KDP_Payments_2025AU13.xlsx, KDP_Payments_2026JL28.xlsx, Payments _ Kindle Direct Publishing_2022AP05.pdf
KDP royalty spreadsheets are deliberately NOT parsed here. These are real income figures and which ones were already invoiced is Talbot’s call, not something to infer (Accounting is A1: never guess a figure or classification). The bank-side deposits below are what actually landed — reconcile them against the KDP reports by hand.
| Date | Description | Amount | Statement | Status |
|---|
| 2025-06-25 | MobileChequeDeposit | 107.35 | BMO_2025-06-30.pdf | |
| 2025-06-30 | DirectDeposit,AMAZON.CAMSP/DIV | 0.16 | BMO_2025-06-30.pdf | |
| 2025-07-29 | DirectDeposit,AMAZON.COMSERVMSP/DIV | 1.31 | BMO_2025-07-31.pdf | |
| 2025-10-03 | Transfer,3677-7014-7213845 | 10000.00 | BMO_2025-10-31.pdf | |
| 2025-10-29 | DirectDeposit,AMAZON.COMSERVMSP/DIV | 0.88 | BMO_2025-10-31.pdf | |
| 2026-01-29 | DirectDeposit,AMAZON.COMSERVMSP/DIV | 0.33 | BMO_2026-01-30.pdf | |
| 2026-03-30 | DirectDeposit,AMAZON.COMSERVMSP/DIV | 6.93 | BMO_2026-03-31.pdf | |
| 2026-03-30 | DirectDeposit,AMAZON.COMSERVMSP/DIV | 0.10 | BMO_2026-03-31.pdf | |
| 2026-04-29 | DirectDeposit,AMAZON.COMSERVMSP/DIV | 0.01 | BMO_2026-04-30.pdf | |
| 2026-06-29 | DirectDeposit,AMAZON.COMSERVMSP/DIV | 0.48 | BMO_2026-06-30.pdf | |
| Date | Description | Account | Pretax | Tax code | HST | Amount | Note | Status |
|---|
| 2025-05-30 | ROGERS ******0864 888-764-3771 ON | 5104/5526 | 79.99 | HST ON | 10.40 | 90.39 | Internet 54.99/7.15 + Wireless / Cell 25.00/3.25 — steady state FY26-A, confirmed vs Rogers-2025-06-16.pdf | |
| 2025-06-03 | GOOGLE*YOUTUBEPREMIUM G.CO/HELPPAY#NS | 5106 Subscriptions | 12.99 | HST ON | 1.69 | 14.68 | | |
| 2025-06-11 | PRESSREADER EPAPER RICHMOND BC | 5106 Subscriptions | 26.99 | HST ON | 3.51 | 30.50 | | |
Pay CC Bill — $135.57, withdrawn from chequing 2025-07-17 (per BMO_2025-07-31.pdf; the card’s own record of it is dated 2025-07-16).
| Date | Description | Account | Pretax | Tax code | HST | Amount | Note | Status |
|---|
| 2025-07-03 | ROGERS ******0864 888-764-3771 ON | 5104/5526 | 79.99 | HST ON | 10.40 | 90.39 | Internet 54.99/7.15 + Wireless / Cell 25.00/3.25 — steady state FY26-A, confirmed vs Rogers-2025-06-16.pdf | |
| 2025-07-03 | GOOGLE*YOUTUBEPREMIUM G.CO/HELPPAY#NS | 5106 Subscriptions | 12.99 | HST ON | 1.69 | 14.68 | | |
| 2025-07-04 | IDIGITAL INTERNET INC VANCOUVER BC | 5406 Computer Web Services | 22.95 | HST ON | 2.98 | 25.93 | | |
| 2025-07-11 | PRESSREADER EPAPER RICHMOND BC | 5106 Subscriptions | 26.99 | HST ON | 3.51 | 30.50 | | |
Pay CC Bill — $161.50, withdrawn from chequing 2025-08-18 (per BMO_2025-08-29.pdf; the card’s own record of it is dated 2025-08-15).
| Date | Description | Account | Pretax | Tax code | HST | Amount | Note | Status |
|---|
| 2025-07-30 | GOOGLE*GALARM IAP G.CO/HELPPAY#NS | TBD | — | TBD | — | 13.55 | matched ‘GALARM’ but no confirmed tax code — needs Talbot’s call | |
| 2025-08-03 | GOOGLE*YOUTUBEPREMIUM G.CO/HELPPAY#NS | 5106 Subscriptions | 12.99 | HST ON | 1.69 | 14.68 | | |
| 2025-08-14 | PRESSREADER EPAPER RICHMOND BC | 5106 Subscriptions | 299.00 | HST ON | 38.87 | 337.87 | | |
| 2025-08-15 | ROGERS ******0864 888-764-3771 ON | 5104/5526 | 79.99 | HST ON | 10.40 | 90.39 | Internet 54.99/7.15 + Wireless / Cell 25.00/3.25 — steady state FY26-A, confirmed vs Rogers-2025-06-16.pdf | |
| 2025-08-21 | USD 1@1.42 WARP PRO SUBSCRIPTION NEW YORK NY | TBD | — | TBD | — | 1.42 | matched ‘Warp Pro Subscription’ but no confirmed tax code — needs Talbot’s call | |
| 2025-08-25 | ANNUAL CARD FEE | 5701 Bank Service Charges | 120.00 | Exempt | 0.00 | 120.00 | | |
Pay CC Bill — $577.91, withdrawn from chequing 2025-09-16 (per BMO_2025-09-29.pdf; the card’s own record of it is dated 2025-09-15).
| Date | Description | Account | Pretax | Tax code | HST | Amount | Note | Status |
|---|
| 2025-08-30 | ROGERS ******0864 888-764-3771 ON | TBD | — | TBD | — | 182.69 | Rogers charge matches no confirmed steady-state period — needs bill-PDF cross-reference (see rogers.yaml) | |
| 2025-08-30 | Amazon.ca*5P7W051U3 866-216-1072 ON | TBD | — | TBD | — | 27.46 | matched ‘Amazon.ca’ but no confirmed tax code — needs Talbot’s call | |
| 2025-09-03 | GOOGLE *YouTubePremium 650-253-0000 NS | 5106 Subscriptions | 12.99 | HST ON | 1.69 | 14.68 | | |
| 2025-09-21 | USD 18@1.417222222 WARP PRO SUBSCRIPTION NEW YORK NY | TBD | — | TBD | — | 25.51 | matched ‘Warp Pro Subscription’ but no confirmed tax code — needs Talbot’s call | |
| 2025-09-23 | CENTAUR ACCOUNTING INC LONDON ON | 5654 Accounting Fees | 1075.00 | HST ON | 139.75 | 1214.75 | | |
| 2025-09-24 | USD 49.2@1.424593495 CLOUDFLARE* CLOUDFLARE SAN FRANCISCOCA | TBD | — | TBD | — | 70.09 | matched ‘Cloudflare’ but no confirmed tax code — needs Talbot’s call | |
| 2025-09-24 | USD 16.05@1.424299065 CLOUDFLARE* CLOUDFLARE SAN FRANCISCOCA | TBD | — | TBD | — | 22.86 | matched ‘Cloudflare’ but no confirmed tax code — needs Talbot’s call | |
Pay CC Bill — $1558.04, withdrawn from chequing 2025-10-17 (per BMO_2025-10-31.pdf; the card’s own record of it is dated 2025-10-16).
| Date | Description | Account | Pretax | Tax code | HST | Amount | Note | Status |
|---|
| 2025-09-25 | AMZN Mktp CA*NJ5AO8HS0 866-216-1072 ON | TBD | — | TBD | — | 203.39 | matched ‘Amazon.ca’ but no confirmed tax code — needs Talbot’s call | |
| 2025-09-30 | ROGERS ******0864 888-764-3771 ON | TBD | — | TBD | — | 185.31 | Rogers charge matches no confirmed steady-state period — needs bill-PDF cross-reference (see rogers.yaml) | |
| 2025-10-03 | GOOGLE *YouTubePremium 650-253-0000 NS | 5106 Subscriptions | 12.99 | HST ON | 1.69 | 14.68 | | |
| 2025-10-21 | USD 18@1.440555555 WARP PRO SUBSCRIPTION NEW YORK NY | TBD | — | TBD | — | 25.93 | matched ‘Warp Pro Subscription’ but no confirmed tax code — needs Talbot’s call | |
| 2025-10-23 | USD 20@1.436 CURSOR, AI POWERED IDE NEW YORK NY | 5407 Computer AI Tools | 28.72 | Out of Scope | 0.00 | 28.72 | | |
Pay CC Bill — $458.03, withdrawn from chequing 2025-11-18 (per BMO_2025-11-28.pdf; the card’s own record of it is dated 2025-11-17).
| Date | Description | Account | Pretax | Tax code | HST | Amount | Note | Status |
|---|
| 2025-10-25 | IDIGITAL INTERNET INC VANCOUVER BC | 5406 Computer Web Services | 22.95 | HST ON | 2.98 | 25.93 | | |
| 2025-10-29 | ROGERS ******0864 TORONTO ON | TBD | — | TBD | — | 96.05 | Rogers charge matches no confirmed steady-state period — needs bill-PDF cross-reference (see rogers.yaml) | |
| 2025-10-29 | IDIGITAL INTERNET INC VANCOUVER BC | 5406 Computer Web Services | 22.95 | HST ON | 2.98 | 25.93 | | |
| 2025-10-30 | ROGERS ******0864 TORONTO ON | TBD | — | TBD | — | 89.26 | Rogers charge matches no confirmed steady-state period — needs bill-PDF cross-reference (see rogers.yaml) | |
| 2025-10-31 | INKJETSUPERSTORE LACHINE QC | TBD | — | TBD | — | 78.99 | matched ‘INKJETSUPERSTORE’ but no confirmed tax code — needs Talbot’s call | |
| 2025-11-03 | GOOGLE *YouTubePremium HALIFAX NS | 5106 Subscriptions | 12.99 | HST ON | 1.69 | 14.68 | | |
| 2025-11-13 | Amazon.ca*B80H15MJ1 TORONTO ON | TBD | — | TBD | — | 163.77 | matched ‘Amazon.ca’ but no confirmed tax code — needs Talbot’s call | |
| 2025-11-19 | Amazon.ca*B008Q5JU2 TORONTO ON | TBD | — | TBD | — | 186.43 | matched ‘Amazon.ca’ but no confirmed tax code — needs Talbot’s call | |
| 2025-11-20 | Amazon.ca TORONTO ON | TBD | — | TBD | — | -163.77 | credit line — HST not back-calculated on credits, needs source figure | |
| 2025-11-21 | USD 4.6@1.44347826 WARP.DEV NEW YORK NY | TBD | — | TBD | — | 6.64 | matched ‘Warp Pro Subscription’ but no confirmed tax code — needs Talbot’s call | |
| 2025-11-23 | USD 20@1.4485 CURSOR, AI POWERED IDE NEW YORK NY | 5407 Computer AI Tools | 28.97 | Out of Scope | 0.00 | 28.97 | | |
Pay CC Bill — $552.88, withdrawn from chequing 2025-12-17 (per BMO_2025-12-31.pdf; the card’s own record of it is dated 2025-12-16).
| Date | Description | Account | Pretax | Tax code | HST | Amount | Note | Status |
|---|
| 2025-12-03 | GOOGLE *YouTubePremium HALIFAX NS | 5106 Subscriptions | 12.99 | HST ON | 1.69 | 14.68 | | |
| 2025-12-23 | USD 20@1.4095 CURSOR, AI POWERED IDE NEW YORK NY | 5407 Computer AI Tools | 28.19 | Out of Scope | 0.00 | 28.19 | | |
Pay CC Bill — $42.87, withdrawn from chequing 2026-01-16 (per BMO_2026-01-30.pdf; the card’s own record of it is dated 2026-01-15).
| Date | Description | Account | Pretax | Tax code | HST | Amount | Note | Status |
|---|
| 2025-12-29 | CLAUDE.AI SUBSCRIPTION SAN FRANCISCOCA | 5407 Computer AI Tools | 28.00 | HST ON | 3.64 | 31.64 | | |
| 2025-12-30 | ROGERS ******0864 TORONTO ON | TBD | — | TBD | — | 52.72 | Rogers charge matches no confirmed steady-state period — needs bill-PDF cross-reference (see rogers.yaml) | |
| 2026-01-03 | GOOGLE *YouTubePremium HALIFAX NS | 5106 Subscriptions | 12.99 | HST ON | 1.69 | 14.68 | | |
| 2026-01-14 | USD 14.2@1.424647887 CLOUDFLARE* CLOUDFLARE SAN FRANCISCOCA | TBD | — | TBD | — | 20.23 | matched ‘Cloudflare’ but no confirmed tax code — needs Talbot’s call | |
Pay CC Bill — $119.27, withdrawn from chequing 2026-02-18 (per BMO_2026-02-27.pdf; the card’s own record of it is dated 2026-02-17).
| Date | Description | Account | Pretax | Tax code | HST | Amount | Note | Status |
|---|
| 2026-01-23 | USD 20@1.4155 CURSOR, AI POWERED IDE NEW YORK NY | 5407 Computer AI Tools | 28.31 | Out of Scope | 0.00 | 28.31 | | |
| 2026-01-29 | CLAUDE.AI SUBSCRIPTION SAN FRANCISCOCA | 5407 Computer AI Tools | 28.00 | HST ON | 3.64 | 31.64 | | |
| 2026-01-30 | ROGERS ******0864 TORONTO ON | 5104/5526 | 85.00 | HST ON | 11.05 | 96.05 | Internet 50.00/6.50 + Wireless / Cell 35.00/4.55 — steady state FY26-B, confirmed vs Rogers-2025-12-16.pdf | |
| 2026-02-01 | USD 180@1.390666666 YOU.COM SAN FRANCISCOCA | TBD | — | TBD | — | 250.32 | matched ‘You.com’ but no confirmed tax code — needs Talbot’s call | |
| 2026-02-02 | IDIGITAL INTERNET INC VANCOUVER BC | 5406 Computer Web Services | 95.40 | HST ON | 12.40 | 107.80 | | |
| 2026-02-03 | GOOGLE *YouTubePremium HALIFAX NS | 5106 Subscriptions | 12.99 | HST ON | 1.69 | 14.68 | | |
| 2026-02-23 | USD 20@1.4045 CURSOR, AI POWERED IDE NEW YORK NY | 5407 Computer AI Tools | 28.09 | Out of Scope | 0.00 | 28.09 | | |
Pay CC Bill — $556.89, withdrawn from chequing 2026-03-19 (per BMO_2026-03-31.pdf; the card’s own record of it is dated 2026-03-18).
| Date | Description | Account | Pretax | Tax code | HST | Amount | Note | Status |
|---|
| 2026-02-28 | CLAUDE.AI SUBSCRIPTION SAN FRANCISCOCA | 5407 Computer AI Tools | 28.00 | HST ON | 3.64 | 31.64 | | |
| 2026-03-02 | ROGERS ******0864 TORONTO ON | 5104/5526 | 85.00 | HST ON | 11.05 | 96.05 | Internet 50.00/6.50 + Wireless / Cell 35.00/4.55 — steady state FY26-B, confirmed vs Rogers-2025-12-16.pdf | |
| 2026-03-02 | IDIGITAL INTERNET INC VANCOUVER BC | 5406 Computer Web Services | 22.95 | HST ON | 2.98 | 25.93 | | |
| 2026-03-03 | GOOGLE *YouTubePremium HALIFAX NS | 5106 Subscriptions | 12.99 | HST ON | 1.69 | 14.68 | | |
| 2026-03-23 | USD 20@1.41 CURSOR, AI POWERED IDE NEW YORK NY | 5407 Computer AI Tools | 28.20 | Out of Scope | 0.00 | 28.20 | | |
Pay CC Bill — $196.50, withdrawn from chequing 2026-04-16 (per BMO_2026-04-30.pdf; the card’s own record of it is dated 2026-04-15).
| Date | Description | Account | Pretax | Tax code | HST | Amount | Note | Status |
|---|
| 2026-03-27 | IDIGITAL INTERNET INC VANCOUVER BC | 5406 Computer Web Services | 22.95 | HST ON | 2.98 | 25.93 | | |
| 2026-03-27 | IDIGITAL INTERNET INC VANCOUVER BC | 5406 Computer Web Services | 22.95 | HST ON | 2.98 | 25.93 | | |
| 2026-03-27 | IDIGITAL INTERNET INC VANCOUVER BC | TBD | — | TBD | — | -25.93 | credit line — HST not back-calculated on credits, needs source figure | |
| 2026-03-29 | CLAUDE.AI SUBSCRIPTION SAN FRANCISCOCA | 5407 Computer AI Tools | 28.00 | HST ON | 3.64 | 31.64 | | |
| 2026-03-29 | IDIGITAL INTERNET INC VANCOUVER BC | 5406 Computer Web Services | 22.95 | HST ON | 2.98 | 25.93 | | |
| 2026-03-30 | ROGERS ******0864 TORONTO ON | 5104/5526 | 85.00 | HST ON | 11.05 | 96.05 | Internet 50.00/6.50 + Wireless / Cell 35.00/4.55 — steady state FY26-B, confirmed vs Rogers-2025-12-16.pdf | |
| 2026-04-03 | GOOGLE *YouTubePremium HALIFAX NS | 5106 Subscriptions | 12.99 | HST ON | 1.69 | 14.68 | | |
| 2026-04-04 | IDIGITAL INTERNET INC VANCOUVER BC | 5406 Computer Web Services | 22.95 | HST ON | 2.98 | 25.93 | | |
| 2026-04-04 | IDIGITAL INTERNET INC VANCOUVER BC | 5406 Computer Web Services | 22.95 | HST ON | 2.98 | 25.93 | | |
| 2026-04-23 | USD 20@1.403 CURSOR, AI POWERED IDE SAN FRANCISCOCA | 5407 Computer AI Tools | 28.06 | Out of Scope | 0.00 | 28.06 | | |
Pay CC Bill — $274.15, withdrawn from chequing 2026-05-20 (per BMO_2026-05-29.pdf; the card’s own record of it is dated 2026-05-19).
| Date | Description | Account | Pretax | Tax code | HST | Amount | Note | Status |
|---|
| 2026-04-29 | CLAUDE.AI SUBSCRIPTION SAN FRANCISCOCA | 5407 Computer AI Tools | 28.00 | HST ON | 3.64 | 31.64 | | |
| 2026-04-30 | ROGERS ******0864 TORONTO ON | 5104/5526 | 85.00 | HST ON | 11.05 | 96.05 | Internet 50.00/6.50 + Wireless / Cell 35.00/4.55 — steady state FY26-B, confirmed vs Rogers-2025-12-16.pdf | |
| 2026-05-03 | GOOGLE *YouTubePremium HALIFAX NS | 5106 Subscriptions | 12.99 | HST ON | 1.69 | 14.68 | | |
| 2026-05-22 | USD 50@1.4148 MEDIUM ANNUAL SAN FRANCISCOCA | 5106 Subscriptions | 62.60 | HST ON | 8.14 | 70.74 | | |
| 2026-05-23 | USD 20@1.417 CURSOR, AI POWERED IDE SAN FRANCISCOCA | 5407 Computer AI Tools | 28.34 | Out of Scope | 0.00 | 28.34 | | |
Pay CC Bill — $241.45, withdrawn from chequing 2026-06-16 (per BMO_2026-06-30.pdf; the card’s own record of it is dated 2026-06-15).
| Date | Description | Account | Pretax | Tax code | HST | Amount | Note | Status |
|---|
| 2026-05-29 | CLAUDE.AI SUBSCRIPTION SAN FRANCISCOCA | 5407 Computer AI Tools | 28.00 | HST ON | 3.64 | 31.64 | | |
| 2026-05-30 | ROGERS ******0864 TORONTO ON | 5104/5526 | 85.00 | HST ON | 11.05 | 96.05 | Internet 50.00/6.50 + Wireless / Cell 35.00/4.55 — steady state FY26-B, confirmed vs Rogers-2025-12-16.pdf | |
| 2026-06-03 | GOOGLE *YouTubePremium HALIFAX NS | 5106 Subscriptions | 12.99 | HST ON | 1.69 | 14.68 | | |
| 2026-06-23 | USD 20@1.456 CURSOR, AI POWERED IDE SAN FRANCISCOCA | 5407 Computer AI Tools | 29.12 | Out of Scope | 0.00 | 29.12 | | |
Pay CC Bill — not available: BMO_2026-06-25.pdf — its balance is paid after the statement closes, so the payoff lands on a statement/chequing month outside the requested range. Pay CC Bill details unavailable; extend —to by one month to capture it.
Transfers and tax payments are not expenses; GST/HST refund deposits are not revenue (they get their own bucket). Listed for completeness and the reconciliation.
| Date | Description | Account | Amount | Note | Status |
|---|
| 2025-06-17 | Pre-AuthorizedPaymentNoFee,BMOPAYMENT | Transfer to 2106 Business M/C | -207.07 | n/a — not an expense; see Part 4 Pay CC Bill | |
| 2025-06-25 | MobileChequeDeposit | TBD (income) | 107.35 | needs Talbot’s classification | |
| 2025-06-30 | DirectDeposit,AMAZON.CAMSP/DIV | TBD (income) | 0.16 | needs Talbot’s classification | |
| 2025-06-30 | PlanFee | 5701 Bank Service Charges, Exempt | -6.00 | | |
| 2025-06-30 | DepositContentsfee,CHQ1@$0.20 | 5701 Bank Service Charges, Exempt | -0.20 | | |
| Date | Description | Account | Amount | Note | Status |
|---|
| 2025-07-17 | Pre-AuthorizedPaymentNoFee,BMOPAYMENT | Transfer to 2106 Business M/C | -135.57 | n/a — not an expense; see Part 4 Pay CC Bill | |
| 2025-07-29 | DirectDeposit,AMAZON.COMSERVMSP/DIV | TBD (income) | 1.31 | needs Talbot’s classification | |
| 2025-07-31 | PlanFee | 5701 Bank Service Charges, Exempt | -6.00 | | |
| Date | Description | Account | Amount | Note | Status |
|---|
| 2025-08-18 | Pre-AuthorizedPaymentNoFee,BMOPAYMENT | Transfer to 2106 Business M/C | -161.50 | n/a — not an expense; see Part 4 Pay CC Bill | |
| 2025-08-26 | DirectDeposit,CANADAGST/TPS | Not revenue — GST/HST refund | 148.03 | | |
| 2025-08-26 | DirectDeposit,CANADAGST/TPS | Not revenue — GST/HST refund | 238.61 | | |
| 2025-08-26 | DirectDeposit,CANADAGST/TPS | Not revenue — GST/HST refund | 386.29 | | |
| 2025-08-26 | DirectDeposit,CANADAGST/TPS | Not revenue — GST/HST refund | 345.88 | | |
| 2025-08-29 | PlanFee | 5701 Bank Service Charges, Exempt | -6.00 | | |
| Date | Description | Account | Amount | Note | Status |
|---|
| 2025-09-16 | Pre-AuthorizedPaymentNoFee,BMOPAYMENT | Transfer to 2106 Business M/C | -577.91 | n/a — not an expense; see Part 4 Pay CC Bill | |
| 2025-09-29 | PlanFee | 5701 Bank Service Charges, Exempt | -6.00 | | |
| Date | Description | Account | Amount | Note | Status |
|---|
| 2025-10-03 | Transfer,3677-7014-7213845 | TBD (income) | 10000.00 | needs Talbot’s classification | |
| 2025-10-10 | Pre-AuthorizedPayment,CANADATXD/DIM | TBD | -5928.31 | needs Talbot’s classification | |
| 2025-10-17 | Pre-AuthorizedPaymentNoFee,BMOPAYMENT | Transfer to 2106 Business M/C | -1558.04 | n/a — not an expense; see Part 4 Pay CC Bill | |
| 2025-10-29 | DirectDeposit,AMAZON.COMSERVMSP/DIV | TBD (income) | 0.88 | needs Talbot’s classification | |
| 2025-10-31 | PlanFee | 5701 Bank Service Charges, Exempt | -6.00 | | |
| Date | Description | Account | Amount | Note | Status |
|---|
| 2025-11-18 | Pre-AuthorizedPaymentNoFee,BMOPAYMENT | Transfer to 2106 Business M/C | -458.03 | n/a — not an expense; see Part 4 Pay CC Bill | |
| 2025-11-28 | PlanFee | 5701 Bank Service Charges, Exempt | -6.00 | | |
| Date | Description | Account | Amount | Note | Status |
|---|
| 2025-12-17 | Pre-AuthorizedPaymentNoFee,BMOPAYMENT | Transfer to 2106 Business M/C | -552.88 | n/a — not an expense; see Part 4 Pay CC Bill | |
| 2025-12-31 | PlanFee | 5701 Bank Service Charges, Exempt | -6.00 | | |
| Date | Description | Account | Amount | Note | Status |
|---|
| 2026-01-16 | Pre-AuthorizedPaymentNoFee,BMOPAYMENT | Transfer to 2106 Business M/C | -42.87 | n/a — not an expense; see Part 4 Pay CC Bill | |
| 2026-01-29 | DirectDeposit,AMAZON.COMSERVMSP/DIV | TBD (income) | 0.33 | needs Talbot’s classification | |
| 2026-01-30 | PlanFee | 5701 Bank Service Charges, Exempt | -6.00 | | |
| Date | Description | Account | Amount | Note | Status |
|---|
| 2026-02-18 | Pre-AuthorizedPaymentNoFee,BMOPAYMENT | Transfer to 2106 Business M/C | -119.27 | n/a — not an expense; see Part 4 Pay CC Bill | |
| 2026-02-27 | PlanFee | 5701 Bank Service Charges, Exempt | -6.00 | | |
| Date | Description | Account | Amount | Note | Status |
|---|
| 2026-03-19 | Pre-AuthorizedPaymentNoFee,BMOPAYMENT | Transfer to 2106 Business M/C | -556.89 | n/a — not an expense; see Part 4 Pay CC Bill | |
| 2026-03-30 | DirectDeposit,AMAZON.COMSERVMSP/DIV | TBD (income) | 6.93 | needs Talbot’s classification | |
| 2026-03-30 | DirectDeposit,AMAZON.COMSERVMSP/DIV | TBD (income) | 0.10 | needs Talbot’s classification | |
| 2026-03-31 | PlanFee | 5701 Bank Service Charges, Exempt | -6.00 | | |
| Date | Description | Account | Amount | Note | Status |
|---|
| 2026-04-16 | Pre-AuthorizedPaymentNoFee,BMOPAYMENT | Transfer to 2106 Business M/C | -196.50 | n/a — not an expense; see Part 4 Pay CC Bill | |
| 2026-04-29 | DirectDeposit,AMAZON.COMSERVMSP/DIV | TBD (income) | 0.01 | needs Talbot’s classification | |
| 2026-04-30 | PlanFee | 5701 Bank Service Charges, Exempt | -6.00 | | |
| Date | Description | Account | Amount | Note | Status |
|---|
| 2026-05-20 | Pre-AuthorizedPaymentNoFee,BMOPAYMENT | Transfer to 2106 Business M/C | -274.15 | n/a — not an expense; see Part 4 Pay CC Bill | |
| 2026-05-29 | PlanFee | 5701 Bank Service Charges, Exempt | -6.00 | | |
| Date | Description | Account | Amount | Note | Status |
|---|
| 2026-06-16 | Pre-AuthorizedPaymentNoFee,BMOPAYMENT | Transfer to 2106 Business M/C | -241.45 | n/a — not an expense; see Part 4 Pay CC Bill | |
| 2026-06-29 | DirectDeposit,AMAZON.COMSERVMSP/DIV | TBD (income) | 0.48 | needs Talbot’s classification | |
| 2026-06-30 | PlanFee | 5701 Bank Service Charges, Exempt | -6.00 | | |
- 2025-06-25 MobileChequeDeposit ($107.35) — unclassified deposit, income source unconfirmed
- 2025-06-30 DirectDeposit,AMAZON.CAMSP/DIV ($0.16) — unclassified deposit, income source unconfirmed
- 2025-07-29 DirectDeposit,AMAZON.COMSERVMSP/DIV ($1.31) — unclassified deposit, income source unconfirmed
- 2025-07-30 GOOGLE*GALARM IAP G.CO/HELPPAY#NS ($13.55) — GALARM tax code unconfirmed
- 2025-08-21 USD 1@1.42 WARP PRO SUBSCRIPTION NEW YORK NY ($1.42) — Warp Pro Subscription tax code unconfirmed
- 2025-08-30 ROGERS ******0864 888-764-3771 ON ($182.69) — Rogers charge outside every confirmed steady-state period, needs bill cross-reference
- 2025-08-30 Amazon.ca*5P7W051U3 866-216-1072 ON ($27.46) — Amazon.ca tax code unconfirmed
- 2025-09-21 USD 18@1.417222222 WARP PRO SUBSCRIPTION NEW YORK NY ($25.51) — Warp Pro Subscription tax code unconfirmed
- 2025-09-24 USD 49.2@1.424593495 CLOUDFLARE* CLOUDFLARE SAN FRANCISCOCA ($70.09) — Cloudflare tax code unconfirmed
- 2025-09-24 USD 16.05@1.424299065 CLOUDFLARE* CLOUDFLARE SAN FRANCISCOCA ($22.86) — Cloudflare tax code unconfirmed
- 2025-09-25 AMZN Mktp CA*NJ5AO8HS0 866-216-1072 ON ($203.39) — Amazon.ca tax code unconfirmed
- 2025-09-30 ROGERS ******0864 888-764-3771 ON ($185.31) — Rogers charge outside every confirmed steady-state period, needs bill cross-reference
- 2025-10-21 USD 18@1.440555555 WARP PRO SUBSCRIPTION NEW YORK NY ($25.93) — Warp Pro Subscription tax code unconfirmed
- 2025-10-03 Transfer,3677-7014-7213845 ($10000.00) — unclassified deposit, income source unconfirmed
- 2025-10-10 Pre-AuthorizedPayment,CANADATXD/DIM ($5928.31) — unclassified bank-side debit
- 2025-10-29 DirectDeposit,AMAZON.COMSERVMSP/DIV ($0.88) — unclassified deposit, income source unconfirmed
- 2025-10-29 ROGERS ******0864 TORONTO ON ($96.05) — Rogers charge outside every confirmed steady-state period, needs bill cross-reference
- 2025-10-30 ROGERS ******0864 TORONTO ON ($89.26) — Rogers charge outside every confirmed steady-state period, needs bill cross-reference
- 2025-10-31 INKJETSUPERSTORE LACHINE QC ($78.99) — INKJETSUPERSTORE tax code unconfirmed
- 2025-11-13 Amazon.ca*B80H15MJ1 TORONTO ON ($163.77) — Amazon.ca tax code unconfirmed
- 2025-11-19 Amazon.ca*B008Q5JU2 TORONTO ON ($186.43) — Amazon.ca tax code unconfirmed
- 2025-11-20 Amazon.ca TORONTO ON ($163.77) — credit line, HST TBD, needs review
- 2025-11-21 USD 4.6@1.44347826 WARP.DEV NEW YORK NY ($6.64) — Warp Pro Subscription tax code unconfirmed
- 2025-12-30 ROGERS ******0864 TORONTO ON ($52.72) — Rogers charge outside every confirmed steady-state period, needs bill cross-reference
- 2026-01-14 USD 14.2@1.424647887 CLOUDFLARE* CLOUDFLARE SAN FRANCISCOCA ($20.23) — Cloudflare tax code unconfirmed
- 2026-01-29 DirectDeposit,AMAZON.COMSERVMSP/DIV ($0.33) — unclassified deposit, income source unconfirmed
- 2026-02-01 USD 180@1.390666666 YOU.COM SAN FRANCISCOCA ($250.32) — You.com tax code unconfirmed
- 2026-03-30 DirectDeposit,AMAZON.COMSERVMSP/DIV ($6.93) — unclassified deposit, income source unconfirmed
- 2026-03-30 DirectDeposit,AMAZON.COMSERVMSP/DIV ($0.10) — unclassified deposit, income source unconfirmed
- 2026-03-27 IDIGITAL INTERNET INC VANCOUVER BC ($25.93) — credit line, HST TBD, needs review
- 2026-04-29 DirectDeposit,AMAZON.COMSERVMSP/DIV ($0.01) — unclassified deposit, income source unconfirmed
- 2026-06-29 DirectDeposit,AMAZON.COMSERVMSP/DIV ($0.48) — unclassified deposit, income source unconfirmed
- BMO_2026-06-25.pdf — its balance is paid after the statement closes, so the payoff lands on a statement/chequing month outside the requested range. Pay CC Bill details unavailable; extend —to by one month to capture it.