This is probably only going to serve to derail the discussion even further, but...
Hopwin wrote:
A report is by definition something that occured in the past
Not necessarily, and in the general sense of the word, no.
OED wrote:
I. Information provided or conveyed, and related senses.
That's all. It's closely related to "rapport", which in so many words just means "to talk". A report is literally just any instance of conveying related information. It need not be about an event, although that's sometimes the case for some sub-meanings like "eye-witness report". Lots of government reports are speculative in nature.
Hopwin wrote:
you see no difference between me saying I need to create a monthly budget versus a monthly budget report?
There is a difference, but the latter statement strikes me as nonsensical. Why would you write a report to yourself? You already know whatever you're reporting. It's not really a report unless you're conveying information to some other party.
Your monthly budget is an intangible. It's just a set of parameters -- the size of the proverbial purses that you've established for your various areas of expenditure. If you create a written record of your household budget, it's just a written record of your household budget. I wouldn't call that a report, either. Now suppose that you and your (hypothetical?) wife (sorry - can't remember if you're married) have decided that your household budget should be joint decision. If you draft up your suggestion for what the budget should be, then what you have is a budget request, budget proposal, proposed budget, or budget report, since you're conveying information to your wife. If she agrees with you and you adopt the proposal as-is, then what was discussed in the report becomes the household budget, and the paper document itself is then promoted to a record of the household budget.
I'm not really sure what any of that has to do with anything, but there you go.