I am a new user of ESP+ and am trying to get comfortable with the current consumption figure presented in the main report. The current consumption number calculated by ESP+ felt low, as the monthly average of current consumption works out to be less than my monthly credit card bill, through which we run the majority of our “consumption-type” spending. When I reviewed my past 12 months bank statements to come up with my own current consumption estimate, my review reinforced my gut feeling: my estimate of current consumption is close to double that shown in the main report. (In estimating consumption I backed out housing related expense, but may have missed a few minor tax payments.) Any thoughts as to what could cause my number to be off by this large amount? Am I comparing things that are not comparable?