Finance Pulse — March 2023
Snapshot covering 2023-03-01 through 2023-03-31.
Headline numbers
- Transactions logged: 102
- Raw income: $23.49
- Raw expenses: $15,961.72
- Raw net: $-15,938.23
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $23.49
- Organic expenses: $15,961.72
- Organic net cashflow: $-15,938.23
- Organic savings rate (API-income denom): -67851.1%
- Personal take-home (incl. RDCO owner draws + wife transfers): $10,928.00
- True savings rate (take-home denom): -46.1%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|---|---|---|
| 1 | Mortgage | $3,925.14 | 24.6% |
| 2 | Entertainment & Recreation | $3,068.24 | 19.2% |
| 3 | Financial & Legal Services | $3,018.00 | 18.9% |
| 4 | Rent | $1,260.00 | 7.9% |
| 5 | Auto Payment | $658.72 | 4.1% |
| 6 | Travel & Vacation | $635.32 | 4.0% |
| 7 | Miscellaneous | $629.02 | 3.9% |
| 8 | Restaurants & Bars | $628.63 | 3.9% |
| 9 | Groceries | $446.35 | 2.8% |
| 10 | Gas & Electric | $425.42 | 2.7% |
Income by category (organic only)
| Category | $ |
|---|---|
| Other Income | $23.48 |
| Interest | $0.01 |
Outlier transactions (>=$10k or flagged)
None.
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $10,928.00
- Organic burn this month — expenses exceeded organic income by $15,938.23.
- Expense concentration: Mortgage alone is 24.6% of monthly spend ($3,925.14).