Finance Pulse — December 2022
Snapshot covering 2022-12-01 through 2022-12-31.
Headline numbers
- Transactions logged: 118
- Raw income: $0.01
- Raw expenses: $27,199.67
- Raw net: $-27,199.66
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $0.01
- Organic expenses: $27,199.67
- Organic net cashflow: $-27,199.66
- Organic savings rate (API-income denom): -271996600.0%
- Personal take-home (incl. RDCO owner draws + wife transfers): $11,283.68
- True savings rate (take-home denom): -141.1%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Taxes | $16,677.80 | 61.3% |
| 2 | Mortgage | $3,792.75 | 13.9% |
| 3 | Shopping | $1,629.80 | 6.0% |
| 4 | Auto Maintenance | $1,021.13 | 3.8% |
| 5 | Auto Payment | $658.72 | 2.4% |
| 6 | Restaurants & Bars | $653.19 | 2.4% |
| 7 | Travel & Vacation | $409.95 | 1.5% |
| 8 | Furniture & Housewares | $409.07 | 1.5% |
| 9 | Gas & Electric | $402.24 | 1.5% |
| 10 | Groceries | $365.02 | 1.3% |
Income by category (organic only)
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2022-12-14 | $-16,677.80 | Internal Revenue Service | Taxes | 4 - Tax (…8324) | recurring |
| 2022-12-02 | $17,000.00 | Mammoth Growth L Ray Data Fnoswckd Dy Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $11,283.68
- Organic burn this month — expenses exceeded organic income by $27,199.66.
- Expense concentration: Taxes alone is 61.3% of monthly spend ($16,677.80).