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          },
          {
            "bill_id": "bt-guard",
            "due_date": "2025-09-05",
            "amount": 6.95,
            "paid": true
          },
          {
            "bill_id": "game-pass",
            "due_date": "2025-09-05",
            "amount": 11.99,
            "paid": true
          },
          {
            "bill_id": "pacific-power",
            "due_date": "2025-09-08",
            "amount": 428.0,
            "paid": false
          },
          {
            "bill_id": "occu",
            "due_date": "2025-09-11",
            "amount": 415.93,
            "paid": true
          },
          {
            "bill_id": "garbage",
            "due_date": "2025-09-12",
            "amount": 90.4,
            "paid": true
          },
          {
            "bill_id": "apple-music",
            "due_date": "2025-09-11",
            "amount": 10.99,
            "paid": true
          },
          {
            "bill_id": "chelsea-s-capital-one",
            "due_date": "2025-09-11",
            "amount": 400.0,
            "paid": true
          },
          {
            "bill_id": "escrow",
            "due_date": "2025-09-15",
            "amount": 1530.0,
            "paid": true
          }
        ]
      }
    },
    "expected_date_overrides": {
      "2025-08": {
        "james-check-1": "2025-08-03",
        "chelsea-check-1": "2025-08-03",
        "kylee-rent": "2025-08-15",
        "charlotte-rent": "2025-08-15",
        "debbie-rent": "2025-08-15",
        "james-check-2": "2025-08-15",
        "chelsea-check-2": "2025-08-15"
      },
      "2025-09": {
        "james-check-1": "2025-09-03",
        "chelsea-check-1": "2025-09-03",
        "kylee-rent": "2025-09-15",
        "charlotte-rent": "2025-09-15",
        "debbie-rent": "2025-09-15",
        "james-check-2": "2025-09-18",
        "chelsea-check-2": "2025-09-18"
      },
      "2025-10": {
        "james-check-1": "2025-10-03",
        "chelsea-check-1": "2025-10-03",
        "kylee-rent": "2025-10-15",
        "charlotte-rent": "2025-10-15",
        "debbie-rent": "2025-10-15",
        "james-check-2": "2025-10-18",
        "chelsea-check-2": "2025-10-18"
      },
      "2025-11": {
        "james-check-1": "2025-11-03",
        "chelsea-check-1": "2025-11-03",
        "kylee-rent": "2025-11-15",
        "charlotte-rent": "2025-11-15",
        "debbie-rent": "2025-11-15",
        "james-check-2": "2025-11-18",
        "chelsea-check-2": "2025-11-18"
      },
      "2025-12": {
        "james-check-1": "2025-12-03",
        "chelsea-check-1": "2025-12-03",
        "kylee-rent": "2025-12-15",
        "charlotte-rent": "2025-12-15",
        "debbie-rent": "2025-12-15",
        "james-check-2": "2025-12-18",
        "chelsea-check-2": "2025-12-18"
      }
    },
    "bills_registry": {
      "groceries": {
        "id": "groceries",
        "name": "Groceries",
        "type": "Recurring",
        "owner": "",
        "default_amount": 900.0,
        "default_day": 1,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "gas": {
        "id": "gas",
        "name": "Gas",
        "type": "Recurring",
        "owner": "",
        "default_amount": 250.0,
        "default_day": 30,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "chase-card": {
        "id": "chase-card",
        "name": "Chase Card",
        "type": "",
        "owner": "",
        "default_amount": 0.0,
        "default_day": 1,
        "credit_limit": 6500.0,
        "interest_rate": 26.49,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "spending": {
        "id": "spending",
        "name": "Spending",
        "type": "Recurring",
        "owner": "",
        "default_amount": 500.0,
        "default_day": 1,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "mortgage": {
        "id": "mortgage",
        "name": "Mortgage",
        "type": "",
        "owner": "",
        "default_amount": 2098.15,
        "default_day": 1,
        "credit_limit": 0.0,
        "interest_rate": 2.88,
        "notes": "",
        "balance": 323645.35,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "verizon": {
        "id": "verizon",
        "name": "Verizon",
        "type": "Recurring",
        "owner": "",
        "default_amount": 317.94,
        "default_day": 4,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "storage": {
        "id": "storage",
        "name": "Storage",
        "type": "",
        "owner": "",
        "default_amount": 46.0,
        "default_day": 7,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "pacific-power": {
        "id": "pacific-power",
        "name": "Pacific Power",
        "type": "Recurring",
        "owner": "",
        "default_amount": 428.0,
        "default_day": 8,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "occu": {
        "id": "occu",
        "name": "OCCU",
        "type": "Debt",
        "owner": "",
        "default_amount": 415.93,
        "default_day": 11,
        "credit_limit": 0.0,
        "interest_rate": 3.92,
        "notes": "Malibu",
        "balance": 17738.46,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "escrow": {
        "id": "escrow",
        "name": "Escrow",
        "type": "Recurring",
        "owner": "",
        "default_amount": 1530.0,
        "default_day": 15,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "chelsea-s-capital-one": {
        "id": "chelsea-s-capital-one",
        "name": "Chelsea's Capital One",
        "type": "Debt",
        "owner": "",
        "default_amount": 400.0,
        "default_day": 11,
        "credit_limit": 10000.0,
        "interest_rate": 0.0,
        "notes": "25.24% after 5/1/26",
        "balance": 8259.56,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "webull": {
        "id": "webull",
        "name": "Webull",
        "type": "Investment",
        "owner": "",
        "default_amount": 50.0,
        "default_day": 15,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "dfn": {
        "id": "dfn",
        "name": "DFN",
        "type": "Recurring",
        "owner": "",
        "default_amount": 96.06,
        "default_day": 16,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "les-schwab": {
        "id": "les-schwab",
        "name": "Les Schwab",
        "type": "Debt",
        "owner": "",
        "default_amount": 75.0,
        "default_day": 16,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 1031.64,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "affirm": {
        "id": "affirm",
        "name": "Affirm",
        "type": "Debt",
        "owner": "James",
        "default_amount": 45.68,
        "default_day": 16,
        "credit_limit": 4500.0,
        "interest_rate": 33.59,
        "notes": "",
        "balance": 694.81,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "cascade-cu": {
        "id": "cascade-cu",
        "name": "Cascade CU",
        "type": "Debt",
        "owner": "",
        "default_amount": 389.0,
        "default_day": 17,
        "credit_limit": 0.0,
        "interest_rate": 4.0,
        "notes": "SUV",
        "balance": 8000.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "james-capital-one": {
        "id": "james-capital-one",
        "name": "James Capital One",
        "type": "Debt",
        "owner": "",
        "default_amount": 0.0,
        "default_day": 20,
        "credit_limit": 300.0,
        "interest_rate": 29.74,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "fidelity": {
        "id": "fidelity",
        "name": "Fidelity",
        "type": "Investment",
        "owner": "",
        "default_amount": 100.0,
        "default_day": 21,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "Roth IRA",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "avista": {
        "id": "avista",
        "name": "Avista",
        "type": "Recurring",
        "owner": "",
        "default_amount": 68.0,
        "default_day": 23,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "wells-fargo": {
        "id": "wells-fargo",
        "name": "Wells Fargo",
        "type": "Debt",
        "owner": "",
        "default_amount": 250.0,
        "default_day": 24,
        "credit_limit": 3000.0,
        "interest_rate": 0.0,
        "notes": "29.24% after 8/18/26",
        "balance": 2506.12,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "garbage": {
        "id": "garbage",
        "name": "Garbage",
        "type": "Recurring",
        "owner": "",
        "default_amount": 90.4,
        "default_day": 12,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "mercy-medical": {
        "id": "mercy-medical",
        "name": "Mercy Medical",
        "type": "Debt",
        "owner": "",
        "default_amount": 55.66,
        "default_day": 30,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 500.89,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "victoria-s-secret": {
        "id": "victoria-s-secret",
        "name": "Victoria's Secret",
        "type": "Debt",
        "owner": "",
        "default_amount": 0.0,
        "default_day": 31,
        "credit_limit": 2300.0,
        "interest_rate": 35.99,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "lowes": {
        "id": "lowes",
        "name": "Lowes",
        "type": "Debt",
        "owner": "",
        "default_amount": 0.0,
        "default_day": 30,
        "credit_limit": 2000.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "home-depot": {
        "id": "home-depot",
        "name": "Home Depot",
        "type": "Debt",
        "owner": "",
        "default_amount": 305.74,
        "default_day": 17,
        "credit_limit": 4000.0,
        "interest_rate": 0.0,
        "notes": "? interest after 6 months",
        "balance": 1834.41,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "icloud": {
        "id": "icloud",
        "name": "ICloud",
        "type": "Recurring",
        "owner": "Chelsea",
        "default_amount": 2.99,
        "default_day": 3,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "bt-guard": {
        "id": "bt-guard",
        "name": "BT Guard",
        "type": "Recurring",
        "owner": "James",
        "default_amount": 6.95,
        "default_day": 5,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "game-pass": {
        "id": "game-pass",
        "name": "PC Game Pass",
        "type": "Recurring",
        "owner": "Carter",
        "default_amount": 11.99,
        "default_day": 5,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "onplan-health": {
        "id": "onplan-health",
        "name": "OnPlan Health",
        "type": "Recurring",
        "owner": "",
        "default_amount": 4.95,
        "default_day": 4,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "?????",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "apple-music": {
        "id": "apple-music",
        "name": "Apple Music",
        "type": "Recurring",
        "owner": "Chelsea",
        "default_amount": 10.99,
        "default_day": 11,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "pc-game-pass-ultimate": {
        "id": "pc-game-pass-ultimate",
        "name": "PC Game Pass Ultimate",
        "type": "Recurring",
        "owner": "James",
        "default_amount": 19.99,
        "default_day": 15,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "pc-game-pass": {
        "id": "pc-game-pass",
        "name": "PC Game Pass",
        "type": "Recurring",
        "owner": "Aiden",
        "default_amount": 11.99,
        "default_day": 15,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "microsoft-office": {
        "id": "microsoft-office",
        "name": "Microsoft Office",
        "type": "Recurring",
        "owner": "James",
        "default_amount": 9.99,
        "default_day": 17,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "chatgpt": {
        "id": "chatgpt",
        "name": "ChatGPT",
        "type": "Recurring",
        "owner": "James",
        "default_amount": 20.0,
        "default_day": 18,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "royalroad": {
        "id": "royalroad",
        "name": "RoyalRoad",
        "type": "Recurring",
        "owner": "James",
        "default_amount": 3.95,
        "default_day": 31,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "photoshop": {
        "id": "photoshop",
        "name": "Photoshop",
        "type": "Recurring",
        "owner": "James",
        "default_amount": 19.99,
        "default_day": 18,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "dropbox": {
        "id": "dropbox",
        "name": "Dropbox",
        "type": "Recurring",
        "owner": "James",
        "default_amount": 11.99,
        "default_day": 19,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      },
      "hulu": {
        "id": "hulu",
        "name": "Hulu",
        "type": "Recurring",
        "owner": "Chelsea",
        "default_amount": 5.0,
        "default_day": 28,
        "credit_limit": 0.0,
        "interest_rate": 0.0,
        "notes": "",
        "balance": 0.0,
        "expected_payoff_date": "",
        "remaining_payments": null,
        "projected_interest": 0.0,
        "added_on": "2025-08",
        "deactivated_on": null
      }
    }
  },
  "escrow_transactions": [],
  "reminder_days": 7,
  "baseline_month": "2026-10",
  "bill_versions": {
    "2026-10": [
      {
        "id": "workbook-4",
        "name": "Mortgage",
        "payment": 2289.74,
        "day": 1,
        "balance": null,
        "limit": null,
        "apr": null,
        "owner": "",
        "purpose": "Mortgage",
        "notes": "",
        "active": true,
        "added_on": "2026-10",
        "source_row": 4
      },
      {
        "id": "workbook-5",
        "name": "Timeshare*",
        "payment": 0.0,
        "day": 1,
        "balance": 11549.84,
        "limit": 0.0,
        "apr": 10.43,
        "owner": "",
        "purpose": "Vacation",
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}