Finance Pulse — October 2023
Snapshot covering 2023-10-01 through 2023-10-31.
Headline numbers
- Transactions logged: 127
- Raw income: $86.05
- Raw expenses: $17,614.85
- Raw net: $-17,528.80
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $86.05
- Organic expenses: $17,614.85
- Organic net cashflow: $-17,528.80
- Organic savings rate (API-income denom): -20370.5%
- Personal take-home (incl. RDCO owner draws + wife transfers): $9,816.34
- True savings rate (take-home denom): -79.4%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|---|---|---|
| 1 | Financial & Legal Services | $6,127.92 | 34.8% |
| 2 | Mortgage | $3,925.14 | 22.3% |
| 3 | Restaurants & Bars | $2,864.78 | 16.3% |
| 4 | Gas & Electric | $726.83 | 4.1% |
| 5 | Postage & Shipping | $700.00 | 4.0% |
| 6 | Auto Payment | $658.72 | 3.7% |
| 7 | Shopping | $460.31 | 2.6% |
| 8 | Groceries | $450.16 | 2.6% |
| 9 | Clothing | $399.00 | 2.3% |
| 10 | Taxes | $331.08 | 1.9% |
Income by category (organic only)
| Category | $ |
|---|---|
| Other Income | $85.37 |
| Interest | $0.68 |
Outlier transactions (>=$10k or flagged)
None.
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $9,816.34
- Organic burn this month — expenses exceeded organic income by $17,528.80.
- Expense concentration: Financial & Legal Services alone is 34.8% of monthly spend ($6,127.92).