Finance Pulse — September 2022
Snapshot covering 2022-09-01 through 2022-09-30.
Headline numbers
- Transactions logged: 102
- Raw income: $14.36
- Raw expenses: $9,268.51
- Raw net: $-9,254.15
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $14.36
- Organic expenses: $9,268.51
- Organic net cashflow: $-9,254.15
- Organic savings rate (API-income denom): -64443.9%
- Personal take-home (incl. RDCO owner draws + wife transfers): $9,729.28
- True savings rate (take-home denom): 4.7%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|---|---|---|
| 1 | Mortgage | $3,792.75 | 40.9% |
| 2 | Shopping | $1,196.87 | 12.9% |
| 3 | Electronics | $1,111.34 | 12.0% |
| 4 | Auto Payment | $658.72 | 7.1% |
| 5 | Gas & Electric | $561.92 | 6.1% |
| 6 | Groceries | $520.39 | 5.6% |
| 7 | Restaurants & Bars | $482.12 | 5.2% |
| 8 | Miscellaneous | $386.38 | 4.2% |
| 9 | Clothing | $154.50 | 1.7% |
| 10 | Internet & Cable | $124.47 | 1.3% |
Income by category (organic only)
| Category | $ |
|---|---|
| Other Income | $14.34 |
| Interest | $0.02 |
Outlier transactions (>=$10k or flagged)
None.
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $9,729.28
- Organic burn this month — expenses exceeded organic income by $9,254.15.
- Expense concentration: Mortgage alone is 40.9% of monthly spend ($3,792.75).