Finance Pulse — May 2022
Snapshot covering 2022-05-01 through 2022-05-31.
Headline numbers
- Transactions logged: 99
- Raw income: $104.38
- Raw expenses: $11,036.54
- Raw net: $-10,932.16
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $104.38
- Organic expenses: $11,036.54
- Organic net cashflow: $-10,932.16
- Organic savings rate (API-income denom): -10473.4%
- Personal take-home (incl. RDCO owner draws + wife transfers): $9,148.00
- True savings rate (take-home denom): -20.6%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $3,792.75 | 34.4% |
| 2 | Travel & Vacation | $1,570.92 | 14.2% |
| 3 | Groceries | $1,442.39 | 13.1% |
| 4 | Insurance | $882.40 | 8.0% |
| 5 | Auto Payment | $658.72 | 6.0% |
| 6 | Auto Maintenance | $563.48 | 5.1% |
| 7 | Gas & Electric | $482.91 | 4.4% |
| 8 | Medical | $288.00 | 2.6% |
| 9 | Shopping | $236.74 | 2.1% |
| 10 | Personal | $207.11 | 1.9% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $104.37 |
| Interest | $0.01 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2022-05-31 | $13,500.00 | Mammoth Growth L Ray Data Gvdcnui Zub Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $9,148.00
- Organic burn this month — expenses exceeded organic income by $10,932.16.
- Expense concentration: Mortgage alone is 34.4% of monthly spend ($3,792.75).