Finance Pulse — July 2023
Snapshot covering 2023-07-01 through 2023-07-31.
Headline numbers
- Transactions logged: 159
- Raw income: $43.05
- Raw expenses: $19,633.48
- Raw net: $-19,590.43
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $43.05
- Organic expenses: $19,633.48
- Organic net cashflow: $-19,590.43
- Organic savings rate (API-income denom): -45506.2%
- Personal take-home (incl. RDCO owner draws + wife transfers): $10,295.47
- True savings rate (take-home denom): -90.7%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Financial & Legal Services | $4,358.50 | 22.2% |
| 2 | Mortgage | $3,925.14 | 20.0% |
| 3 | Taxes | $3,328.50 | 17.0% |
| 4 | Travel & Vacation | $1,647.06 | 8.4% |
| 5 | Groceries | $1,212.35 | 6.2% |
| 6 | Insurance | $1,061.00 | 5.4% |
| 7 | Restaurants & Bars | $1,055.79 | 5.4% |
| 8 | Auto Payment | $658.72 | 3.4% |
| 9 | Gas & Electric | $550.28 | 2.8% |
| 10 | Electronics | $415.29 | 2.1% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $43.04 |
| Interest | $0.01 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2023-07-29 | $14,500.00 | Mammoth Growth L Ray Data Gehyqoykwo Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2023-07-29 | $14,500.00 | Mammoth Growth L Ray Data Gehyqoykwo Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $10,295.47
- Organic burn this month — expenses exceeded organic income by $19,590.43.
- Expense concentration: Financial & Legal Services alone is 22.2% of monthly spend ($4,358.50).