Finance Pulse — August 2023
Snapshot covering 2023-08-01 through 2023-08-31.
Headline numbers
- Transactions logged: 137
- Raw income: $74.56
- Raw expenses: $19,571.93
- Raw net: $-19,497.37
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $74.56
- Organic expenses: $19,571.93
- Organic net cashflow: $-19,497.37
- Organic savings rate (API-income denom): -26149.9%
- Personal take-home (incl. RDCO owner draws + wife transfers): $11,188.75
- True savings rate (take-home denom): -74.9%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $3,925.14 | 20.1% |
| 2 | Financial & Legal Services | $3,358.50 | 17.2% |
| 3 | Taxes | $3,328.50 | 17.0% |
| 4 | Travel & Vacation | $2,579.34 | 13.2% |
| 5 | Electronics | $2,355.42 | 12.0% |
| 6 | Auto Payment | $658.72 | 3.4% |
| 7 | Gas & Electric | $634.35 | 3.2% |
| 8 | Shopping | $610.10 | 3.1% |
| 9 | Restaurants & Bars | $544.67 | 2.8% |
| 10 | Clothing | $399.00 | 2.0% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $73.88 |
| Interest | $0.68 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2023-08-31 | $14,500.00 | Mammoth Growth L Ray Data Kfruixvm Ns Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2023-08-31 | $14,500.00 | Mammoth Growth L Ray Data Kfruixvm Ns Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $11,188.75
- Organic burn this month — expenses exceeded organic income by $19,497.37.
- Expense concentration: Mortgage alone is 20.1% of monthly spend ($3,925.14).