Finance Pulse — September 2023
Snapshot covering 2023-09-01 through 2023-09-30.
Headline numbers
- Transactions logged: 162
- Raw income: $29.19
- Raw expenses: $20,151.28
- Raw net: $-20,122.09
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $29.19
- Organic expenses: $20,151.28
- Organic net cashflow: $-20,122.09
- Organic savings rate (API-income denom): -68934.9%
- Personal take-home (incl. RDCO owner draws + wife transfers): $9,482.59
- True savings rate (take-home denom): -112.5%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Taxes | $5,647.75 | 28.0% |
| 2 | Financial & Legal Services | $4,907.25 | 24.4% |
| 3 | Mortgage | $3,925.14 | 19.5% |
| 4 | Groceries | $1,098.85 | 5.5% |
| 5 | Miscellaneous | $751.25 | 3.7% |
| 6 | Gas & Electric | $677.55 | 3.4% |
| 7 | Auto Payment | $658.72 | 3.3% |
| 8 | Travel & Vacation | $625.11 | 3.1% |
| 9 | Restaurants & Bars | $431.05 | 2.1% |
| 10 | Clothing | $399.00 | 2.0% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $28.56 |
| Interest | $0.63 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2023-09-29 | $14,500.00 | Mammoth Growth L Ray Data Mimwxcvn T Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2023-09-29 | $14,500.00 | Mammoth Growth L Ray Data Mimwxcvn T Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $9,482.59
- Organic burn this month — expenses exceeded organic income by $20,122.09.
- Expense concentration: Taxes alone is 28.0% of monthly spend ($5,647.75).