Q3 2026
QuarterlyOnly July 2026 carries live transaction data; August and September are empty, so this is effectively a one-month read against a June baseline. July personal spend fell sharply to K31,183.15 from June's K82,218.62 (-62%), while real income (excluding K21,113 of internal transfers) landed at K39,378.50 versus a K178,864 gross-income June — a return to normalized levels after June's outsized month. July closed with a genuine surplus of roughly K8,195 (K39,378.50 income less K31,183.15 spend). Ignore the headline 'quarterly net worth -100%' and the August net-worth collapse to zero — those are data-freshness artifacts from unposted months, not real destruction. The credible anchor is live net worth of K237,741.88 (K209,152.35 ZMW assets plus USD 1,585.61 ≈ K28,589), effectively flat and stable.
Only July 2026 carries live transaction data; August and September are empty, so this is effectively a one-month read against a June baseline. July personal spend fell sharply to K31,183.15 from June's K82,218.62 (-62%), while real income (excluding K21,113 of internal transfers) landed at K39,378.50 versus a K178,864 gross-income June — a return to normalized levels after June's outsized month. July closed with a genuine surplus of roughly K8,195 (K39,378.50 income less K31,183.15 spend). Ignore the headline 'quarterly net worth -100%' and the August net-worth collapse to zero — those are data-freshness artifacts from unposted months, not real destruction. The credible anchor is live net worth of K237,741.88 (K209,152.35 ZMW assets plus USD 1,585.61 ≈ K28,589), effectively flat and stable.