Finance Pulse — May 2023
Snapshot covering 2023-05-01 through 2023-05-31.
Headline numbers
- Transactions logged: 103
- Raw income: $2,489.38
- Raw expenses: $8,903.10
- Raw net: $-6,413.72
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $2,489.38
- Organic expenses: $8,903.10
- Organic net cashflow: $-6,413.72
- Organic savings rate (API-income denom): -257.6%
- Personal take-home (incl. RDCO owner draws + wife transfers): $9,776.51
- True savings rate (take-home denom): 8.9%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $3,925.14 | 44.1% |
| 2 | Travel & Vacation | $718.94 | 8.1% |
| 3 | Auto Payment | $658.72 | 7.4% |
| 4 | Auto Maintenance | $563.48 | 6.3% |
| 5 | Restaurants & Bars | $504.04 | 5.7% |
| 6 | Gas & Electric | $496.25 | 5.6% |
| 7 | Groceries | $336.95 | 3.8% |
| 8 | Miscellaneous | $329.39 | 3.7% |
| 9 | Shopping | $324.10 | 3.6% |
| 10 | Medical | $288.00 | 3.2% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $2,489.37 |
| Interest | $0.01 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2023-05-31 | $14,500.00 | Mammoth Growth L Ray Data Rnhkeghio Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2023-05-31 | $14,500.00 | Mammoth Growth L Ray Data Rnhkeghio Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $9,776.51
- Organic burn this month — expenses exceeded organic income by $6,413.72.
- Expense concentration: Mortgage alone is 44.1% of monthly spend ($3,925.14).