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-# 📊 Spending + Time Tracking Ledger
-
-Central owner-only ledger for monthly spending over time and project/repository time allocation.
-
-> Update monthly during the first week of each new month.
-> Label unknown values as estimates until verified from GitHub billing.
-
----
-
-## A) Monthly Spend Summary by Month
-
-| Month | Total Spend (Actual) | Monthly Budget Baseline | Variance | Data Quality | Notes |
-|---|---:|---:|---:|---|---|
-| April 2026 | $10 | $35 | -$25 | Partial actual + estimates | Copilot actual known; other services pending billing |
-| May 2026 | $10 *(to update from billing)* | $35 | -$25 *(est.)* | Estimate | Carry baseline until month-end reconciliation |
-
----
-
-## B) Monthly Spend by Service Category
-
-| Month | Service Category | Budget | Actual Spend | Variance | Notes |
-|---|---|---:|---:|---:|---|
-| April 2026 | GitHub Copilot | $10 | $10 | $0 | Copilot Pro active |
-| April 2026 | GitHub Actions | $5 | $0 | -$5 | Estimate — update from billing |
-| April 2026 | GitHub Packages | $3 | $0 | -$3 | Estimate — update from billing |
-| April 2026 | GitHub Codespaces | $7 | $0 | -$7 | Estimate — update from billing |
-| April 2026 | Other paid features / reserve | $10 | $0 | -$10 | Reserve |
-| May 2026 | GitHub Copilot | $10 | $10 *(expected)* | $0 *(est.)* | Update when invoice posts |
-| May 2026 | GitHub Actions | $5 | $0 *(est.)* | -$5 *(est.)* | Update from billing |
-| May 2026 | GitHub Packages | $3 | $0 *(est.)* | -$3 *(est.)* | Update from billing |
-| May 2026 | GitHub Codespaces | $7 | $0 *(est.)* | -$7 *(est.)* | Update from billing |
-| May 2026 | Other paid features / reserve | $10 | $0 *(est.)* | -$10 *(est.)* | Reserve |
-
----
-
-## C) Monthly Project/Repository Budget Allocation and Actuals
-
-| Month | Project Group | Project | Repository | Budget Allocated | Actual Spend | Variance | Notes |
-|---|---|---|---|---:|---:|---:|---|
-| April 2026 | Hoppe-home | _(add project)_ | `Hoppe-home/repo-name` | $0 | $0 | $0 | Add once active |
-| April 2026 | Hoppe-GitHub | _(add project)_ | `Hoppe-GitHub/repo-name` | $0 | $0 | $0 | Add once active |
-| May 2026 | Hoppe-home | _(add project)_ | `Hoppe-home/repo-name` | $0 | $0 *(est.)* | $0 *(est.)* | To update |
-| May 2026 | Hoppe-GitHub | _(add project)_ | `Hoppe-GitHub/repo-name` | $0 | $0 *(est.)* | $0 *(est.)* | To update |
-
----
-
-## D) Time Tracking by Project/Repository Over Time
-
-| Month | Date | Source | Project Group | Project | Repository | Activity Type | Hours | Session Ref | Notes |
-|---|---|---|---|---|---|---|---:|---|---|
-| April 2026 | 2026-04-20 | VS Code | Hoppe-home | _(add project)_ | `Hoppe-home/repo-name` | Coding / Planning / Debugging | 0.0 | Link or short ID | |
-| April 2026 | 2026-04-20 | Online Chat | Hoppe-GitHub | _(add project)_ | `Hoppe-GitHub/repo-name` | Coding / Planning / Debugging | 0.0 | Link or short ID | |
-| May 2026 | YYYY-MM-DD | VS Code / Online Chat | Hoppe-home / Hoppe-GitHub | _(add project)_ | `org/repo` | Coding / Planning / Debugging | 0.0 | Link or short ID | Add real sessions monthly |
-
----
-
-## E) Monthly Time Rollup (Hours by Project/Repository)
-
-| Month | Project Group | Project | Repository | Coding Hours | Planning Hours | Debugging Hours | Total Hours |
-|---|---|---|---|---:|---:|---:|---:|
-| April 2026 | Hoppe-home | _(add project)_ | `Hoppe-home/repo-name` | 0.0 | 0.0 | 0.0 | 0.0 |
-| April 2026 | Hoppe-GitHub | _(add project)_ | `Hoppe-GitHub/repo-name` | 0.0 | 0.0 | 0.0 | 0.0 |
-| May 2026 | Hoppe-home / Hoppe-GitHub | _(add project)_ | `org/repo` | 0.0 | 0.0 | 0.0 | 0.0 |
-
----
-
-## F) Monthly Review Checklist
-
-- [ ] Confirm Copilot charge and reconcile actual spend
-- [ ] Pull Actions/Codespaces/Packages billing values and update service table
-- [ ] Reconcile project/repository spend actuals vs budget allocations
-- [ ] Roll up time spent by project/repository
-- [ ] Capture billing events, renewals, and settings/security reminders for next month
-
----
-
-[← Back to budget dashboard](./README.md) | [← Back to main library](../README.md)