Finance Pulse — February 2023
Snapshot covering 2023-02-01 through 2023-02-28.
Headline numbers
- Transactions logged: 90
- Raw income: $74.24
- Raw expenses: $8,541.26
- Raw net: $-8,467.02
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $74.24
- Organic expenses: $8,541.26
- Organic net cashflow: $-8,467.02
- Organic savings rate (API-income denom): -11404.9%
- Personal take-home (incl. RDCO owner draws + wife transfers): $12,740.28
- True savings rate (take-home denom): 33.0%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $3,792.75 | 44.4% |
| 2 | Shopping | $1,665.89 | 19.5% |
| 3 | Auto Payment | $658.72 | 7.7% |
| 4 | Groceries | $577.74 | 6.8% |
| 5 | Restaurants & Bars | $407.25 | 4.8% |
| 6 | Gas & Electric | $382.29 | 4.5% |
| 7 | Miscellaneous | $373.11 | 4.4% |
| 8 | Internet & Cable | $179.04 | 2.1% |
| 9 | Clothing | $100.00 | 1.2% |
| 10 | Medical | $86.80 | 1.0% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $74.23 |
| Interest | $0.01 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2023-02-28 | $14,500.00 | Mammoth Growth L Ray Data Ihjctjtfm N Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2023-02-02 | $16,090.00 | Mammoth Growth L Ray Data Vujpzgwetu Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $12,740.28
- Organic burn this month — expenses exceeded organic income by $8,467.02.
- Expense concentration: Mortgage alone is 44.4% of monthly spend ($3,792.75).