Finance Pulse — November 2023
Snapshot covering 2023-11-01 through 2023-11-30.
Headline numbers
- Transactions logged: 167
- Raw income: $76.41
- Raw expenses: $17,343.04
- Raw net: $-17,266.63
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $76.41
- Organic expenses: $17,343.04
- Organic net cashflow: $-17,266.63
- Organic savings rate (API-income denom): -22597.3%
- Personal take-home (incl. RDCO owner draws + wife transfers): $10,436.03
- True savings rate (take-home denom): -66.2%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Financial & Legal Services | $5,796.84 | 33.4% |
| 2 | Mortgage | $3,925.14 | 22.6% |
| 3 | Shopping | $1,551.32 | 8.9% |
| 4 | Restaurants & Bars | $1,001.61 | 5.8% |
| 5 | Groceries | $915.33 | 5.3% |
| 6 | Miscellaneous | $829.22 | 4.8% |
| 7 | Clothing | $694.79 | 4.0% |
| 8 | Taxes | $662.16 | 3.8% |
| 9 | Auto Payment | $658.72 | 3.8% |
| 10 | Gas & Electric | $637.40 | 3.7% |
Income by category (organic only)
| Category | $ |
|---|
| Paychecks | $42.76 |
| Other Income | $32.99 |
| Interest | $0.66 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2023-11-01 | $14,500.00 | Mammoth Growth L Receivable Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2023-11-01 | $14,500.00 | Mammoth Growth L Receivable Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $10,436.03
- Organic burn this month — expenses exceeded organic income by $17,266.63.
- Expense concentration: Financial & Legal Services alone is 33.4% of monthly spend ($5,796.84).