Finance Pulse — June 2022
Snapshot covering 2022-06-01 through 2022-06-30.
Headline numbers
- Transactions logged: 91
- Raw income: $41.26
- Raw expenses: $12,311.86
- Raw net: $-12,270.60
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $41.26
- Organic expenses: $12,311.86
- Organic net cashflow: $-12,270.60
- Organic savings rate (API-income denom): -29739.7%
- Personal take-home (incl. RDCO owner draws + wife transfers): $8,962.58
- True savings rate (take-home denom): -37.4%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $3,792.75 | 30.8% |
| 2 | Electronics | $1,346.44 | 10.9% |
| 3 | Shopping | $1,251.62 | 10.2% |
| 4 | Auto Maintenance | $1,188.80 | 9.7% |
| 5 | Insurance | $1,103.00 | 9.0% |
| 6 | Auto Payment | $658.72 | 5.4% |
| 7 | Restaurants & Bars | $647.05 | 5.3% |
| 8 | Gas & Electric | $526.76 | 4.3% |
| 9 | Home Improvement | $464.98 | 3.8% |
| 10 | Groceries | $461.16 | 3.7% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $41.24 |
| Interest | $0.02 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2022-06-30 | $13,500.00 | Mammoth Growth L Ray Data Acpeuem Ubbb Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $8,962.58
- Organic burn this month — expenses exceeded organic income by $12,270.60.
- Expense concentration: Mortgage alone is 30.8% of monthly spend ($3,792.75).