Finance Pulse — January 2023
Snapshot covering 2023-01-01 through 2023-01-31.
Headline numbers
- Transactions logged: 90
- Raw income: $59.74
- Raw expenses: $11,251.43
- Raw net: $-11,191.69
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $59.74
- Organic expenses: $11,251.43
- Organic net cashflow: $-11,191.69
- Organic savings rate (API-income denom): -18734.0%
- Personal take-home (incl. RDCO owner draws + wife transfers): $11,741.39
- True savings rate (take-home denom): 4.2%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $3,792.75 | 33.7% |
| 2 | Furniture & Housewares | $1,972.85 | 17.5% |
| 3 | Shopping | $966.07 | 8.6% |
| 4 | Insurance | $862.00 | 7.7% |
| 5 | Restaurants & Bars | $675.48 | 6.0% |
| 6 | Auto Payment | $658.72 | 5.9% |
| 7 | Groceries | $447.64 | 4.0% |
| 8 | Gas & Electric | $354.62 | 3.2% |
| 9 | Taxes | $300.00 | 2.7% |
| 10 | Electronics | $284.49 | 2.5% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $59.73 |
| Interest | $0.01 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2023-01-03 | $17,000.00 | Mammoth Growth L Ray Data Vefadzldxn Q Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $11,741.39
- Organic burn this month — expenses exceeded organic income by $11,191.69.
- Expense concentration: Mortgage alone is 33.7% of monthly spend ($3,792.75).