[this is a ymoyl update.]
i graphed the figures from august. it’s a joy to see the expenses line take a dive and odd to see “expenses after fi” jump to meet it. this happened because i wanted to take into account my property taxes (which the mortgage company is paying now, but i’ll have to pay after the house is mine). my real expenses this month minus the mortgage were $526.90, but i added the $1,210.02 tax bill to that. another $100/month to consider, assuming i eventually buy the house and the taxes stay about the same.