Finance Pulse — August 2022
Snapshot covering 2022-08-01 through 2022-08-31.
Headline numbers
- Transactions logged: 110
- Raw income: $0.03
- Raw expenses: $22,324.31
- Raw net: $-22,324.28
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $0.03
- Organic expenses: $22,324.31
- Organic net cashflow: $-22,324.28
- Organic savings rate (API-income denom): -74414266.7%
- Personal take-home (incl. RDCO owner draws + wife transfers): $9,756.89
- True savings rate (take-home denom): -128.8%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Taxes | $13,117.00 | 58.8% |
| 2 | Mortgage | $3,792.75 | 17.0% |
| 3 | Restaurants & Bars | $983.39 | 4.4% |
| 4 | Travel & Vacation | $888.10 | 4.0% |
| 5 | Groceries | $705.43 | 3.2% |
| 6 | Auto Payment | $658.72 | 3.0% |
| 7 | Gas & Electric | $597.19 | 2.7% |
| 8 | Auto Maintenance | $453.99 | 2.0% |
| 9 | Home Improvement | $199.00 | 0.9% |
| 10 | Shopping | $176.81 | 0.8% |
Income by category (organic only)
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2022-08-31 | $13,500.00 | Mammoth Growth L Ray Data Crlpareaeszm Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2022-08-22 | $-13,117.00 | Internal Revenue Service | Taxes | 4 - Tax (…8324) | recurring |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $9,756.89
- Organic burn this month — expenses exceeded organic income by $22,324.28.
- Expense concentration: Taxes alone is 58.8% of monthly spend ($13,117.00).