Finance Pulse — October 2022
Snapshot covering 2022-10-01 through 2022-10-31.
Headline numbers
- Transactions logged: 108
- Raw income: $39.06
- Raw expenses: $11,346.92
- Raw net: $-11,307.86
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $39.06
- Organic expenses: $11,346.92
- Organic net cashflow: $-11,307.86
- Organic savings rate (API-income denom): -28950.0%
- Personal take-home (incl. RDCO owner draws + wife transfers): $11,316.50
- True savings rate (take-home denom): -0.3%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $3,792.75 | 33.4% |
| 2 | Restaurants & Bars | $2,970.14 | 26.2% |
| 3 | Travel & Vacation | $1,692.61 | 14.9% |
| 4 | Auto Payment | $658.72 | 5.8% |
| 5 | Gas & Electric | $594.43 | 5.2% |
| 6 | Groceries | $564.10 | 5.0% |
| 7 | Clothing | $349.00 | 3.1% |
| 8 | Shopping | $241.90 | 2.1% |
| 9 | Internet & Cable | $172.66 | 1.5% |
| 10 | Auto Maintenance | $64.48 | 0.6% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $39.02 |
| Interest | $0.04 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2022-10-04 | $17,000.00 | Mammoth Growth L Ray Data Preuvzmbb Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $11,316.50
- Organic burn this month — expenses exceeded organic income by $11,307.86.
- Expense concentration: Mortgage alone is 33.4% of monthly spend ($3,792.75).