Membership 49759435 (CAD) via mtrlogbook.sacapsa.com. The previously tracked months are now past the point of being actionable and have been cleared. Add a new item below if a fresh gap comes up, current month's MTR is worth doing before the 14-day grace period on the portal closes.
Outstanding months
Weekly workload.
D — Finance.
I can't read your Capitec app or SMS inbox directly, there's no tool that gives me access to your phone's messages or banking. Everything here is entered by you, either manually or by pasting SMS text below for a best-effort parse. General financial structure only, not licensed financial advice.
Budget (this month) — click any group to expand
Paste an SMS (best-effort parse, check before saving)
Or enter manually
Recent transactions
A simple framework (not personalised advice)
One common starting split for take-home income: roughly 50% needs (rent, groceries, transport, utilities), 30% wants (entertainment, eating out), 20% savings and debt repayment. It's a rough guide, not a rule, adjust the category budgets above to whatever actually fits your numbers.
Keep business and personal separate
Since Juliōn is a new venture, it's worth running business income/expenses through a separate account if you haven't already, makes tax time and cash-flow visibility far easier. The Business Finances panel above tracks this side independently from personal spending.
Emergency fund
Set a target to start tracking
Sourced directly from your Capitec statement's own "Spending Summary" and "Money In/Out Summary" (01 Sep 2025 – 07 Sep 2026), not reconstructed from individual transactions, so these totals are exactly what the bank itself calculated.
Am I improving? — real month vs 12-month average
Compares your one complete month of real day-by-day data (August 2026, from the statement you imported) against your 12-month average per category. This updates automatically, once September (or any later month) has a full set of logged transactions, it'll compare that instead. Not a fabricated trend line, just an honest comparison of the real data actually available.
Annual spend by category
Your recurring monthly commitments
A — Studies
Higher Certificate in Architectural Technology NQF5
HC-AT_PTOL · Part Time, Online, Intake 2, 2026
20 Jul '26 → 05 Jul '27
15% COMPLETE
Upcoming classes
Assessments
Hours needed per assessment
B — Business Development
Juliōn is repositioning as a digital transformation consultancy for architecture & engineering firms, BIM and ISO 19650 advisory, delivered remotely. Zero active leads or client meetings booked yet. Business calendar is julion.architect@gmail.com, subscribed into Outlook (curwin@julion.co.za) as a read-only feed.
Service levels
Level 1 · Self-Managed Setup
Level 2 · Guided Standards
Level 3 · Coordination Retainer
Level 4 · Full BIM Management
Level 5 · Programme Governance
Level 6 · Embedded Digital Delivery Team
Active leads & client meetings
C — Health & Habits
—
Nutrition
Sleep
Activity
Exercise
Starting point (self-reported from Samsung Health): under 6 hrs sleep, 0 workouts/week, 6,000–10,000 steps/day. Workouts Mon/Wed/Fri, alarm at 6:30 AM. Wake target 6:30 AM daily, bedtime 10:30 PM, wind-down alarm at 10:00 PM, that's a big jump from your current sleep, expect it to take a couple of weeks. Weekly meal prep is on your calendar, Sundays 3:30 PM.
This week's training targets WEEK 1
Protein target
Target (1.6g per kg — common guideline for regular strength training)
144 g/day
Home workouts, no equipment
Meal ideas
Add item to sheet — leave Start blank for a single-day milestone, fill it in for a multi-day bar