Your personal life dashboard
13 Bd Gordon Bennett, 06310 Beaulieu sur Mer
2026 Tax Budget Estimate
Based on your 2025 bills — budget approximately €6,700–6,900 for 2026 (allowing for ~2–3% annual increases)
2025 Total Paid
€6,554
Across 3 taxes · Property at 13 Bd Gordon Bennett
Property ownership tax · Payable every year in October
€2,199
2025 due date
15 Oct 2025
Est. 2026 date
~15 Oct 2026
Base imposable
€4,499
2025 vs 2024
+€102 (+4.9%)
💡 Tip: Set up prélèvement mensuel (monthly direct debit) on impots.gouv.fr before 30 June 2026 to spread payments across 10 months
Secondary residence tax (60% surcharge applies) · Payable every December
€2,806
2025 due date
15 Dec 2025
Est. 2026 date
~15 Dec 2026
Properties taxed
Appartement + Dépendance
2025 vs 2024
+€51 (+1.9%)
⚠️ This is a secondary residence — the 60% commune surcharge applies. No exemptions available.
Cotisation Foncière des Entreprises · SIRET 920749983 00010
€1,549
2025 due date
15 Dec 2025
Est. 2026 date
~15 Dec 2026
Payment ref
600227630374
Tax rate 2025
28.88%
⏰ 2026 Reminders
Budget €2,250+ for Taxe Foncière
Due ~15 Oct 2026 · Set reminder for September
Budget €2,875+ for Taxe d'Habitation
Due ~15 Dec 2026 · Set reminder for November
Budget €1,600+ for CFE
Due ~15 Dec 2026 · Paid online at impots.gouv.fr
Set up monthly instalments now
Adhérer au prélèvement mensuel on impots.gouv.fr — deadline 30 Jun 2026
Syndic history: AEGIP → FONCIA → ABT Référence
🔗 ABT Extranet PortalQ1
€1,249.95
✓ Paid
Q2
€1,208.05
✓ Paid
Q3
€2,713.41
Due 07/02/2026
Travaux
€297.31
Special works
Average annual increase: ~9%
Property management & guest check-in/out
Jan 5 – Mar 5
59 nights · Long stay
Apr 10 – 17
7 nights
May 1 – 11
10 nights
May 31 – Jun 14
14 nights · Régulier
Jul 3 – 10
7 nights · Nouveau
Jul 24 – 31
7 nights
Aug 2 – 30
28 nights · Peak
Sep 1 – 30
30 nights · Russel · Direct
Net after commission: ~€23,931
Loan Amount
€750,000
Interest Rate
1.70% fixed
Monthly Payment
€3,071
Split
€923 interest · €2,148 equity
Net Rental Profit
Revenue minus costs
Equity Building
Principal repayment portion
Estimated Appreciation
~2.5% annual property growth
Total Annual Wealth Creation
~€47,282/yr
6.3% return on property value
Household budget from bank statements
Monthly Income into Joint Account
Eva standing order
SO · 1st of month · from personal 81755528
£1,200
Lionel standing order
CR COMPTE JOINT PERNIAS L · ~9th of month
£2,200
Eva ad-hoc top-ups
TFR from personal · to avoid overdraft · avg over 15 months
~£270/mo
Eva savings lump sums
TFR from savings 41818937 · for Beaulieu mortgage
periodic
Base monthly income (incl. avg top-ups)
~£3,670
Fixed Costs (from Joint Account)
Parking space (Chia Tsai)
SO · 1st of month
£180/mo
Aria Fertility
DD · ~27th of month
£30-32/mo
ManyPets (Tess insurance)
DD · ~9th of month
£24.69/mo
Apple.com (iCloud / subs)
VIS · monthly
£19.99/mo
Spotify
VIS · monthly
£17.99/mo
Google One
VIS · monthly
£1.59/mo
Cleaning lady (ATM cash)
£18/hr × 3hrs × ~4 weeks · last weekend of month
~£216/mo
Total fixed (joint)
~£490/mo
Annual Memberships (from Joint)
Zoological Society (London Zoo)
DD · renews ~Sep · joint account
£49.90/yr
Regular Recurring
Emma dog walking (Tess)
BP · £35/week (Wed) · ~4 walks/month
~£140/mo
Butternut Box (Tess food)
VIS · monthly delivery
~£90/mo
R Yasmin (childcare, Lucas)
BP · 1-2 times/month
~£100/mo
Music Tree (Lucas)
VIS · classes
~£40/mo
Monaco Golf Lab (Project)
Squarespace
Started Mar 2025 · monthly
£24/mo
MailChimp
Started Mar 2025 · monthly
£12/mo
Canva Pro
Apr 2025 – cancelled · one-off
£13/mo (stopped)
GoDaddy (domain)
Annual renewal (~£36/year)
~£3/mo
Monthly recurring
£39/mo
Total spent since Mar 2025 (~13 months)
~£543
Variable Spending (yearly avg from 15 months of statements)
Groceries (Ocado, Waitrose, Sainsbury's)
~£650/mo
Eating out / takeaway
~£250/mo
Health / Beauty (Pre Salons, Samar Hoss, Townhouse)
~£200/mo
Shopping (Amazon, John Lewis, home)
~£150/mo
Transport (TFL, Uber)
~£50/mo
Pharmacy (Clan Pharmacy)
~£56/mo
Coffee (Blank Street, Jolene)
~£40/mo
22 Bishopsgate (Lionel canteen)
~£80/mo
One-off / Irregular (from Joint)
Aria Fertility (baby #2)
Amanda Tozer consultations + Aria VIS + NVS Pharmacy (~£600)
~£1,200+
Tess holiday boarding (Emma overnight)
No separate boarding charges found in Jan 2025 – Mar 2026 statements. Total Emma (walks + any boarding): £840 over 15 months = £672/year.
~£672/yr
Medivet (vet bills)
£739 over 15 months · partial insurance refund
~£49/mo avg
Income
Net salary (4 days/week)
40-04-10 / 81755528
~£3,058/mo
Fixed Costs (from Eva's Personal)
Standing order to Joint Account
SO · 1st of month · to 40-03-33 / 92336650
£1,200/mo
Beaulieu savings
SO · 10th of month · to savings 41818937
£500/mo
Lucas savings
SO · 6th of month · to savings 41818937
£100/mo
Third Space (gym)
DD · 1st of month
£262/mo
Symprove (gut health)
VIS · monthly subscription
£38/mo
Vodafone
DD · ~20th of month
£25/mo
GoDaddy (Monaco Golf Lab)
VIS · annual (~£36/year)
~£3/mo
Total fixed (Eva personal)
£2,128/mo
Remaining for variable spending
~£930/mo
Annual Memberships (from Eva Personal)
Zoological Society (London Zoo)
DD · renews ~Oct · personal account
£75.15/yr
Variable Spending (Eva Personal)
Shopping (Lucas, fashion, home)
~£150/mo
Fitness (membership, gear)
incl. in Third Space
Wise (family transfers abroad)
variable
Ad-hoc top-ups to joint account
~£270/mo avg
One-off Costs (Eva Personal)
Lionel Pernias — Maman
Family payment · Jun 2025
£8,510
Desmond & Dempsey (sleepwear)
Shopping
~£346 total
Fe Fe Fanclub (Lucas birthday)
One-off
one-off
Lionel's Personal Account
Placeholder — awaiting statements
Known: Lionel contributes £2,200/month to joint account
Known: Lionel handles SBE mortgage payments (Beaulieu) with better FX rate
Eva's Beaulieu Flat Contribution
Tracking money flow: Eva's accounts → Joint account → SBE French bank (via Lionel). Flat purchased May 2022.
Beaulieu Savings Account (40-04-10 / 41818937)
Monthly deposits (Beaulieu Appart)
Jul 2022 - Sep 2024: £1,000/mo · Oct 2024+: £500/mo
~£31,500
Direct transfers savings → joint
8 confirmed transfers (TFR to 92336650)
£20,750
Current savings balance
Still earmarked for Beaulieu
£10,411
Confirmed Savings → Joint Transfers
Total transferred
£20,750
Total Beaulieu Effort (Eva)
Already sent to joint for mortgage
£20,750
Remaining in savings (earmarked)
£10,411
Total Beaulieu funds mobilised
£31,161
Note: Additional savings → personal transfers (£14,750 excl. £8,510 Maman) may have partly funded Beaulieu via personal → joint, but cannot be fully traced.
Dog · French passport holder · UK resident
🐾 French EU Pet Passport — Tess
Passport Number
FR SN 11793827
Type
EU / French Pet Passport
Microchip
250269… (check passport p.3)
Rabies Valid Until
21/12/2027 ✅
🏥 Current Vet (France)
Dr Angélique SOURBE — Clinique Vétérinaire du Théâtre
21400 Châtillon-sur-Seine · 06 30 50 76 82
💉 V. Vaccination Antirabique (Rabies)
✅ Rabies currently valid until 21/12/2027
No 21-day waiting period needed for boosters given before expiry. Tess can travel immediately after a booster jab.
⏰ Versican Plus L4R — next due 10/11/2026
Combined Leptospirosis (L4) + Rabies booster. The L4 (Lepto) component is annual. The Rabies component extends validity.
💉 VI. Autres Vaccinations (Core + Optional)
Maladie de Carré (Distemper)
Up to dateSerious viral illness — respiratory, GI, nervous system. Part of DHPPi combo.
Hépatite de Rubarth (Hepatitis)
Up to dateInfectious canine hepatitis — viral liver disease (Adenovirus type 1).
Parvovirose (Parvovirus)
Up to dateHighly contagious — attacks digestive and immune system. Part of DHPPi combo.
Parainfluenza
Up to dateRespiratory virus — part of the DHPPi combination vaccine.
Leptospirose (Leptospirosis)
Annual — due 10/11/2026Bacterial infection from water/wildlife. Given as part of Versican Plus L4R. Annual booster required.
Piroplasmose / Babésiose
RecommendedTick-borne blood parasite. Very common in south of France — important before Beaulieu trips.
Toux du Chenil (Kennel Cough)
OptionalBordetella — highly contagious respiratory infection. Recommended if boarding or socialising.
💊 IX. Traitement Échinococcose (Tapeworm — for UK travel)
⚠️ Required 1–5 days before every UK entry via Eurotunnel
Must be Praziquantel, administered by a vet, stamped in passport. No stamp = no entry.
Recorded treatments (from passport):
🔜 Next required: 1–2 July 2026 (France vet, before Eurotunnel return)
🔔 Upcoming Reminders
Tick treatment — Sun 21 June 2026
Apply before leaving for France on Wed 24 June. Use tick spot-on (Itch Flea or Frontline). Ticks are very active in south of France in summer.
Flea treatment due — around 15 June 2026
8 weeks after last application (20 Apr). Can combine with tick treatment on 21 June.
Book vet in France — 1 or 2 July 2026
Tapeworm treatment (Praziquantel) required 1–5 days before Eurotunnel return to UK. Vet must administer and stamp passport. Without this, Tess cannot enter the UK.
🐜 Puces & Tiques — External Parasites
Flea protection lasts ~8 weeks, tick protection ~4 weeks. Reapply on schedule, especially before France trips.
Itch Flea (Fipronil / S-methoprene)
Spot-on — small dog · Fleas, ticks & lice
20 Apr 2026
Done
Next tick treatment
18 May 2026
4 weeks after last
Next flea treatment
15 Jun 2026
8 weeks after last
🇫🇷 France trip 24 June
Apply tick + flea treatment on Sunday 21 June before departure. South of France has high tick + flea risk in summer. This covers both the tick due date (18 May → 21 June is overdue but still fine to reapply) and the flea due date (15 June → 21 June is close enough).
💊 Parasites Internes — Worming
Routine worming every 3 months. Tapeworm treatment is separate and mandatory before UK return via Eurotunnel.
Tapeworm (Praziquantel) — VET REQUIRED
Must be given by vet in France, 1–5 days before UK arrival
Book 1–2 Jul
Eurotunnel return
💡 Routine worming schedule
Standard recommendation: every 3 months. Use a broad-spectrum wormer (e.g., Milbemax, Drontal). The Eurotunnel tapeworm treatment counts as one dose — restart the 3-month cycle from that date.
📅 Treatment Schedule — 2026
✈️ Taking Tess from UK → France
1. Valid microchip (ISO 11784/11785)
Must be scanned by vet before issuing AHC
2. Rabies vaccination — given in France ✓
Must be given at least 21 days before AHC is issued
3. Animal Health Certificate (AHC)
Issued by an Official Veterinarian in the UK. Valid for: 10 days for entry to EU, then 4 months for re-entry to UK. Must be obtained for EACH trip.
No tapeworm needed to enter France
Tapeworm is only required when returning to the UK
🔄 Returning to UK from France
Tapeworm treatment — CRITICAL
Must be administered by a vet no less than 24 hours and no more than 120 hours (5 days) before Tess's scheduled arrival time in the UK. If you miss this window, Tess cannot enter the UK.
AHC valid for return within 4 months
If you're returning within the same trip, your AHC covers re-entry to the UK for up to 4 months
Approved routes only
Eurostar, Eurotunnel, or approved ferry routes. Airlines have additional requirements — check with carrier.
📋 Before Next Trip to Beaulieu
Tasks view
Health · Nursery · School · Entertainment
💉 UK NHS Vaccine Schedule — Toddlers
6-in-1 — Diphtheria, Tetanus, Whooping cough, Polio, Hib, Hepatitis B
Rotavirus — stomach bug (oral drops)
MenB — Meningitis B
6-in-1 (2nd dose)
Rotavirus (2nd dose)
PCV — Pneumococcal (chest infections/meningitis)
6-in-1 (3rd dose)
MenB (2nd dose)
Hib/MenC — Hib and Meningitis C booster
MMR — Measles, Mumps, Rubella
PCV booster — Pneumococcal
MenB booster
Flu vaccine — annual nasal spray · Offered each autumn
MMR (2nd dose)
4-in-1 pre-school booster — Diphtheria, Tetanus, Whooping cough, Polio
📅 Lucas's Vaccine Record
Add his dates below — I'll remind you when boosters are due
🏫 Nursery
Key dates, fees, contacts
Add nursery name, term dates, fees, key contacts here
📚 Schools
William Tyndale Primary
Upper Street, Islington, N1 · State primary
Thornhill Primary
Thornhill Road, Islington, N1 · State primary
🎉 Activities
Swimming lessons
Saturdays 10am · Islington
Notes: Block booking, 10 sessions
£180
total
Add Lucas's activities above
4 Batchelor Street, N1 0EY
Fixed rate expires in ~9 months
Your 1.01% rate ends 31 January 2027. After that, you move to HSBC's Standard Variable Rate (~5%+), which would increase your monthly payment by ~£641. Start shopping for a new deal now — you can lock one in from July 2026.
HSBC Mortgage
Acc: 400288 85081912 · 4 Batchelor St, N1
£2,728
per month
Original loan
£667,304
Property value (2021)
£1,501,403
Interest rate
1.01% fixed
Rate type
Capital repayment
Mortgage started
Feb 2022
Mortgage ends
~Nov 2044
* Check HSBC app for exact current balance
📅 Key Dates
Rate switch took effect
Payments began at £2,728.14/month
Feb 2022
Today
~50 months in · ~£136k paid
Apr 2026
Start shopping for new deal
Can lock in new rate 6 months before expiry
Jul 2026
Fixed rate expires — act before!
Payment would jump to ~£3,369 on SVR
31 Jan 2027
Mortgage fully repaid (projected)
Nov 2044
✅ What to do now
🏠 Council Tax & Other Taxes
Upload your council tax letter to auto-fill this section
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