Finance Pulse — June 2023
Snapshot covering 2023-06-01 through 2023-06-30.
Headline numbers
- Transactions logged: 141
- Raw income: $64.22
- Raw expenses: $18,591.65
- Raw net: $-18,527.43
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $64.22
- Organic expenses: $18,591.65
- Organic net cashflow: $-18,527.43
- Organic savings rate (API-income denom): -28849.9%
- Personal take-home (incl. RDCO owner draws + wife transfers): $8,852.27
- True savings rate (take-home denom): -110.0%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Taxes | $8,704.21 | 46.8% |
| 2 | Mortgage | $3,925.14 | 21.1% |
| 3 | Electronics | $966.62 | 5.2% |
| 4 | Miscellaneous | $681.46 | 3.7% |
| 5 | Auto Payment | $658.72 | 3.5% |
| 6 | Restaurants & Bars | $521.55 | 2.8% |
| 7 | Clothing | $499.00 | 2.7% |
| 8 | Gas & Electric | $497.04 | 2.7% |
| 9 | Groceries | $417.92 | 2.2% |
| 10 | Shopping | $401.19 | 2.2% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $63.79 |
| Paychecks | $0.42 |
| Interest | $0.01 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2023-06-30 | $14,500.00 | Mammoth Growth L Ray Data Hhqhgmoju Md Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2023-06-30 | $14,500.00 | Mammoth Growth L Ray Data Hhqhgmoju Md Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $8,852.27
- Organic burn this month — expenses exceeded organic income by $18,527.43.
- Expense concentration: Taxes alone is 46.8% of monthly spend ($8,704.21).