Finance Pulse — March 2022
Snapshot covering 2022-03-01 through 2022-03-31.
Headline numbers
- Transactions logged: 106
- Raw income: $7.00
- Raw expenses: $15,235.41
- Raw net: $-15,228.41
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $7.00
- Organic expenses: $15,235.41
- Organic net cashflow: $-15,228.41
- Organic savings rate (API-income denom): -217548.7%
- Personal take-home (incl. RDCO owner draws + wife transfers): $10,691.00
- True savings rate (take-home denom): -42.5%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Financial & Legal Services | $4,504.50 | 29.6% |
| 2 | Mortgage | $3,792.75 | 24.9% |
| 3 | Shopping | $1,535.90 | 10.1% |
| 4 | Rent | $1,280.30 | 8.4% |
| 5 | Auto Payment | $658.72 | 4.3% |
| 6 | Miscellaneous | $559.02 | 3.7% |
| 7 | Gas & Electric | $507.38 | 3.3% |
| 8 | Medical | $502.27 | 3.3% |
| 9 | Restaurants & Bars | $432.75 | 2.8% |
| 10 | Entertainment & Recreation | $335.15 | 2.2% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $6.99 |
| Interest | $0.01 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2022-03-31 | $13,500.00 | Mammoth Growth L Ray Data Tjsemjt P U Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2022-03-01 | $-13,699.36 | Wealthfront | Transfer | TOTAL CHECKING (…4969) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $10,691.00
- Organic burn this month — expenses exceeded organic income by $15,228.41.
- Expense concentration: Financial & Legal Services alone is 29.6% of monthly spend ($4,504.50).