Remodel Expense Tracker

120 Via Trieste

Full remodel · Wells Fargo …2227 (closed) and Bank of America …5180, plus purchases paid outside the account • Statements through September 23, 2026, outside purchases through October 13 • Updated October 20, 2026

Construction Budget

$750,000

excludes furniture

Construction Spent

$669,949

89.3% of budget

Budget Remaining

$80,051

to finish on plan

Furniture

$95,709

outside the budget — owner's separate accounting

All-in incl. Furniture

$765,658

construction + furniture

Cash in Account

$159,953

Bank of America — 9/23 statement balance plus a $60,000 deposit since

Construction budget used

How far into the $750,000 construction budget the project is after six months of work. Furniture is not part of this budget and is tracked separately below.

$0$375,000$750,000

Construction spent — $669,949 Remaining — $80,051

Where the money went

Net spend by vendor and purpose, May 11 through October 13, both bank accounts and outside purchases combined. Percentages are of the all-in total; the pink furniture bar is outside the construction budget.

General Contractor — David Lazcano (3 wires, checks #104, #105 & #107, Sept 9 BofA withdrawal, $150K from an outside account) $610,000

79.7% of spend

Furniture — owner's separate list (appliances, mattresses, night stands & dresser, kids bed, TV lift) $95,709

12.5% of spend

Mold Remediation — Adrian Paris (3 Zelle payments + check #101) $22,559

2.9% of spend

Fixtures & Hardware — tile, bidets, handles, wall safe, Nest $14,638

1.9% of spend

Lighting & Fans — Lighting New York, Belami, Lamplace, flood lights $11,751

1.5% of spend

Plans & Design — Tristan Villanueva (Zelle) $3,000

0.4% of spend

Outdoor — BBQ reimbursement to Debbie Lynch (check #106), BBQ Guys fire bowl $7,869

1.0% of spend

Bank & Wire Fees $132

<0.1% — June wire fees, BofA check order, $15 on the Sept 9 withdrawal

Construction (in the $750,000 budget) $669,949

Furniture (outside the budget) $95,709

All-in total $765,658

Spend by month

All-in cost per month including furniture, both bank accounts and outside purchases combined, dated by purchase date.

$25,559

May

$95,085

June

$200,000

July

$23,231

Aug

$410,110

Sept

$11,672

Oct

September was the big month: two $150,000 contractor payments (one from the new Bank of America account, one from an outside account), plus $110,064 of appliances, furniture, lighting and fixtures bought outside the account. October so far is hardware, lighting and the TV lift. The lighting and appliance purchases previously shown in August are now dated to their actual order dates (one in August, the rest in September).

Transaction ledger — Wells Fargo account (closed)

Every transaction from the Wells Fargo statements, oldest first. Grayed rows are items that were reversed (the returned June wire and the July check reversal) — they do not count as spend, apart from the $45 the banks kept on the wire. The account was closed after August and its remaining balance returned to the owner.

Date	Paid to / Description	Category	Amount	Account Balance
May 2026
May 11	Initial funding Branch deposit, Fort Collins CO	Funding	+250,000.00	250,000.00
May 14	Tristan Villanueva Zelle — memo “Plans”	Plans & Design	−3,000.00	247,000.00
May 26	Adrian Paris Zelle sent 5/24 — memo “Mold”	Mold Remediation	−5,000.00	242,000.00
May 26	Adrian Paris Zelle sent 5/25 — memo “Mold”	Mold Remediation	−5,000.00	237,000.00
May 27	Adrian Paris Check #101	Mold Remediation	−10,000.00	227,000.00
May 27	Adrian Paris Zelle — memo “Mold”	Mold Remediation	−2,559.00	224,441.00
May 29	Interest payment	Interest	+1.32	224,442.32
June 2026
Jun 5	Wire to David Lazcano via Bank of America — returned 6/8, did not go through	General Contractor	−80,000.00	144,442.32
Jun 8	Wire returned $45 kept by banks in transit — counted under Fees	General Contractor	+79,955.00	224,397.32
Jun 11	Wire transfer service charge	Bank & Wire Fees	−40.00	224,357.32
Jun 11	Wire to David Lazcano via Bank of America — cleared	General Contractor	−80,000.00	144,357.32
Jun 24	David Lazcano Check #105	General Contractor	−15,000.00	129,357.32
Jun 30	Interest payment	Interest	+1.31	129,358.63
July 2026
Jul 8	David Lazcano Check #104	General Contractor	−50,000.00	79,358.63
Jul 9	Second funding Branch deposit, Fort Collins CO	Funding	+100,000.00	179,358.63
Jul 20	Check #103 posted, then reversed the next day — not counted	Reversed	−50,000.00	129,358.63
Jul 21	Check reversal check #103 returned to the account	Reversed	+50,000.00	179,358.63
Jul 29	Wire to David Lazcano via Bank of America — cleared	General Contractor	−150,000.00	29,358.63
Jul 31	Interest payment	Interest	+1.25	29,359.88
August 2026
Aug 7	David Lazcano Check #107	General Contractor	−15,000.00	14,359.88
Aug 7	Debbie Lynch Check #106 — reimbursement for the BBQ she bought for the house	Outdoor	−5,814.35	8,545.53
Aug 31	Interest payment	Interest	+0.10	8,545.63
Account closed
Sept	Balance returned to owner account closed — not project spend	Returned to owner	−8,545.63	0.00

Transaction ledger — Bank of America account

The replacement project account, opened August 25, 2026. Statement period August 25 through September 23, plus a $60,000 deposit made after the statement (from the deposit slip). The September 9 withdrawal is a $150,000 contractor payment plus a $15 bank charge.

Date	Paid to / Description	Category	Amount	Account Balance
August 2026
Aug 25	Third funding Financial center deposit #4552, 2610 E Harmony Rd, Fort Collins CO	Funding	+250,000.00	250,000.00
September 2026
Sept 3	Check order fee order 00343 — $30.30 product + $1.52 WY tax	Bank & Wire Fees	−31.82	249,968.18
Sept 9	David Lazcano Banking center withdrawal #1694 — $150,000 contractor payment + $15 bank charge (counted under Fees)	General Contractor	−150,015.00	99,953.18
After the September 23 statement
Oct	Fourth funding from the deposit slip — date will be confirmed on the next statement	Funding	+60,000.00	159,953.18

Paid outside the account

Project costs that did not run through either project bank account — the credit card, a $150,000 contractor payment from an outside account, and two items Debbie paid. Counted in the budget, not in the bank reconciliation. Pink rows are the owner's furniture list. Order numbers are from the handwritten purchase log.

Date	Vendor / Item	Category	Amount
August 2026
Aug 25	Tile — guest baths order GTS103334134 · credit card	Fixtures & Hardware	−2,416.81
September 2026
Sept 13	Belami — 2 guest bedroom fans order #75067446 · credit card	Lighting & Fans	−1,459.92
Sept 17	Ferguson — appliances order #6967116 · credit card	Furniture	−57,094.34
Sept 18	Lighting New York — 2 fans, 8 outdoor lights order #5040054 · credit card	Lighting & Fans	−6,421.90
Sept	David Lazcano — contractor payment paid from an outside (non-project) bank account; separate from the Sept 9 Bank of America payment	General Contractor	−150,000.00
Sept 21	Showsun Lighting — 4 night stands, 1 dresser order #XS51133 · contact Olivia, 888-302-9395	Furniture	−6,742.68
Sept 21	Custom Comfort — mattresses order #SO260611	Furniture	−24,712.67
Sept 21	Bidets — primary bath toilets order #21448	Fixtures & Hardware	−8,014.65
Sept 22	Pottery Barn Kids — bed and rug order #362653394308	Furniture	−3,563.09
Sept 26	BBQ Guys — fire bowl order #20262463	Outdoor	−2,054.42
October 2026
Oct 7	Home Depot — 2 Nest thermostats order WN73039922 · Debbie paid	Fixtures & Hardware	−589.18
Oct 7	Amazon — wall safe order #114-7363210-6321043 · delivery Wed	Fixtures & Hardware	−169.16
Oct 8	Lighting New York — extra light order #5055411 · $473.18 + $17.30 extra tax · Debbie paid	Lighting & Fans	−490.48
Oct 9	Amazon — handles order #114-0955734-8337036	Fixtures & Hardware	−3,323.90
Oct 9	Amazon — handles order #114-0209471-7481853	Fixtures & Hardware	−124.52
Oct 11	Amazon — flood lights order #114-9971402-6194601	Lighting & Fans	−611.80
Oct 13	TV Lift Cabinet — TV lift mechanism order #000021988	Furniture	−3,596.00
Oct 13	Lamplace — 1 chandelier, 2 pendants order #LC-1301	Lighting & Fans	−2,767.20
	Total paid outside the account		−274,152.72

Furniture — owner's separate accounting

The furniture items from the owner's purchase log. Furniture was not part of the original $750,000 construction budget, so it is accounted for here on its own. It is included in the all-in total and the monthly bars, but not in the budget-used figures.

Date	Vendor / Item	Order #	Amount
Sept 17	Ferguson — appliances	6967116	57,094.34
Sept 21	Showsun Lighting — 4 night stands, 1 dresser	XS51133	6,742.68
Sept 21	Custom Comfort — mattresses	SO260611	24,712.67
Sept 22	Pottery Barn Kids — bed and rug	362653394308	3,563.09
Oct 13	TV Lift Cabinet — TV lift mechanism	000021988	3,596.00
	Furniture total		95,708.78

Notes for the family

The project moved to a new Bank of America account. The owner closed the Wells Fargo account (its $8,546 balance went back to the owner, not to the project) and opened Bank of America …5180 with a $250,000 deposit on August 25. A $150,000 payment to David Lazcano came out of it on September 9, along with a $15 charge and a $31.82 check-order fee. Together with a further $60,000 deposit after the September statement, total funded across both accounts is $660,000.
Two contractor payments in September. Besides the September 9 Bank of America payment, a separate $150,000 went to David Lazcano from an outside account that is not a project account. Contractor total to date: $610,000.
Lighting and appliances are now itemized. The $67,393 credit-card lump from the last update is the first four rows of the outside table (tile, Belami fans, Ferguson appliances, Lighting New York), dated to their order dates.
$56,760 of new purchases through October 13 — mattresses, night stands and dresser, bidets, kids bed, fire bowl, handles, wall safe, Nest thermostats, flood lights, lamps and the TV lift — all paid outside the account.
Debbie bought the BBQ and was reimbursed. Check #106 ($5,814.35, August 7) went to Debbie Lynch for the BBQ, not to the contractor as earlier versions showed. It now sits under Outdoor. She also paid two smaller items that are still unreimbursed: Home Depot ($589.18) and the extra Lighting New York light ($490.48), $1,079.66 together.
The June 5 wire bounced and was re-sent June 11; check #103 was reversed in July. Neither counts as spend beyond $85 in wire fees.
Budget check. The $750,000 budget covers construction only. Construction spend is $669,949 (89.3%), leaving $80,051 to finish, with the contractor at $610,000. Furniture adds $95,709 on top, for an all-in total of $765,658.

Wells Fargo …2227 (closed) — reconciles to the penny: $250,000.00 deposited May 11 +100,000.00 deposited July 9 + 3.98 interest earned −341,458.35 spend from the account = $8,545.63 balance on August 31 → returned to owner at closing ✓ Bank of America …5180 — reconciles to the penny: $250,000.00 deposited August 25 − 31.82 check order fee, September 3 −150,015.00 withdrawal September 9 ($150,000 to contractor + $15 fee) = $99,953.18 balance on September 23 ✓ + 60,000.00 deposited after the statement (deposit slip) = $159,953.18 cash in the account today Total project spend: $341,458.35 from the Wells Fargo account +150,046.82 from the Bank of America account +150,000.00 September payment to contractor (outside account) + 67,392.97 tile, fans, appliances, outdoor lights (credit card) + 56,759.75 purchases Sept 21 – Oct 13 (outside the accounts) = $765,657.89 all-in − 95,708.78 furniture (outside the budget) = $669,949.11 construction vs the $750,000 budget (89.3%) $80,050.89 remaining Contractor (David Lazcano) to date: $610,000.00 Reimbursed to Debbie Lynch (BBQ, check #106): $5,814.35 Still owed to Debbie (Home Depot + Lighting NY): $1,079.66