Finance Pulse — April 2023
Snapshot covering 2023-04-01 through 2023-04-30.
Headline numbers
- Transactions logged: 94
- Raw income: $118.07
- Raw expenses: $20,031.67
- Raw net: $-19,913.60
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $118.07
- Organic expenses: $20,031.67
- Organic net cashflow: $-19,913.60
- Organic savings rate (API-income denom): -16865.9%
- Personal take-home (incl. RDCO owner draws + wife transfers): $9,887.27
- True savings rate (take-home denom): -102.6%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Taxes | $9,016.22 | 45.0% |
| 2 | Mortgage | $3,925.14 | 19.6% |
| 3 | Furniture & Housewares | $1,499.00 | 7.5% |
| 4 | Restaurants & Bars | $1,003.74 | 5.0% |
| 5 | Travel & Vacation | $947.34 | 4.7% |
| 6 | Auto Payment | $658.72 | 3.3% |
| 7 | Groceries | $610.29 | 3.0% |
| 8 | Miscellaneous | $564.54 | 2.8% |
| 9 | Gas & Electric | $413.13 | 2.1% |
| 10 | Clothing | $321.00 | 1.6% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $118.06 |
| Interest | $0.01 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2023-04-28 | $14,500.00 | Mammoth Growth L Ray Data Dhxuxyihleox Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2023-04-01 | $14,500.00 | Mammoth Growth L Ray Data Wgykbzzgpobg Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $9,887.27
- Organic burn this month — expenses exceeded organic income by $19,913.60.
- Expense concentration: Taxes alone is 45.0% of monthly spend ($9,016.22).