Finance Pulse — July 2022
Snapshot covering 2022-07-01 through 2022-07-31.
Headline numbers
- Transactions logged: 127
- Raw income: $90.55
- Raw expenses: $9,474.70
- Raw net: $-9,384.15
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $90.55
- Organic expenses: $9,474.70
- Organic net cashflow: $-9,384.15
- Organic savings rate (API-income denom): -10363.5%
- Personal take-home (incl. RDCO owner draws + wife transfers): $10,759.00
- True savings rate (take-home denom): 11.9%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $3,792.75 | 40.0% |
| 2 | Restaurants & Bars | $1,108.11 | 11.7% |
| 3 | Insurance | $882.40 | 9.3% |
| 4 | Shopping | $730.89 | 7.7% |
| 5 | Auto Payment | $658.72 | 7.0% |
| 6 | Groceries | $606.90 | 6.4% |
| 7 | Gas & Electric | $539.29 | 5.7% |
| 8 | Entertainment & Recreation | $296.97 | 3.1% |
| 9 | Electronics | $188.25 | 2.0% |
| 10 | Internet & Cable | $139.23 | 1.5% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $90.52 |
| Interest | $0.03 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2022-07-29 | $13,500.00 | Mammoth Growth L Ray Data Jpkhvig Kje Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $10,759.00
- Organic burn this month — expenses exceeded organic income by $9,384.15.
- Expense concentration: Mortgage alone is 40.0% of monthly spend ($3,792.75).