📆 REST-OF-CYCLE OUTLOOK
What still has to happen?
Forecasting uses historical Needs as evidence and replaces uncertainty with actual transactions as the cycle progresses.
DEMISUN SYSTEMS · FINANCIAL BRIEF
Money Garden
🌻 DEMISUN FINANCIAL DIGEST
💰 LIVE MONEY POSITION ·
TOTAL CONFIRMED CASH
Fixed commitments are locked. Discretionary overspending is modeled as hitting free room first, then the safety shield, then Needs protection. Fixed bill money is never treated as spendable.
SPENDING WATERFALL
What takes the hit first?
🔒 FIXED
Locked commitments
This layer does not absorb Wants. If a purchase reaches fixed money, Money Garden calls it a Stop / credit-risk condition.
🛡️ SAFETY SHIELD
Funded right now
After true free room is gone, discretionary overspending comes out of this shield before touching Needs protection.
🛒 NEEDS
Reserve remaining
☀️ WANTS POSITION
🚦 WANT RISK METER
Can we buy this without regretting it later?
Waterfall: free room → safety shield → Needs protection → STOP before fixed.
🔎 SINCE THE LATEST SYNC
What changed?
🧠 DECISION EVIDENCE
Protected · Expected · Stress
These remain planning lenses. The safety-shield waterfall controls how overspending is explained.
🛡️ Protected free room
🌻 Expected free room
⚠️ Stress free room
🌊 Follow every dollar
See how cash is assigned across commitments, Needs, shield and flexibility.
👾 ACTIVE CAMPAIGNS
Debt Boss Arena
📚 DATA PASSPORT
How trustworthy is this brief?
How to read the spending waterfall
Fixed commitments are locked first. The conservative Needs reserve is protected next. Any cash beyond those layers funds the safety shield up to its target. Cash beyond the full shield is true Protected free room. A Want uses true free room first, then reduces the funded shield, then begins eroding conservative Needs protection. If a Want would reduce money required for fixed commitments, the result is STOP / credit risk.