Finance Pulse — December 2023
Snapshot covering 2023-12-01 through 2023-12-31.
Headline numbers
- Transactions logged: 164
- Raw income: $114.46
- Raw expenses: $17,554.76
- Raw net: $-17,440.30
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $114.46
- Organic expenses: $17,554.76
- Organic net cashflow: $-17,440.30
- Organic savings rate (API-income denom): -15237.0%
- Personal take-home (incl. RDCO owner draws + wife transfers): $9,119.24
- True savings rate (take-home denom): -92.5%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Financial & Legal Services | $5,796.84 | 33.0% |
| 2 | Mortgage | $3,925.14 | 22.4% |
| 3 | Shopping | $1,632.56 | 9.3% |
| 4 | Uncategorized | $803.00 | 4.6% |
| 5 | Taxes | $662.16 | 3.8% |
| 6 | Auto Payment | $658.72 | 3.8% |
| 7 | Gas & Electric | $578.97 | 3.3% |
| 8 | Restaurants & Bars | $489.58 | 2.8% |
| 9 | Groceries | $483.89 | 2.8% |
| 10 | Entertainment & Recreation | $478.49 | 2.7% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $113.64 |
| Interest | $0.82 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2023-12-29 | $14,500.00 | Mammoth Growth L Receivable Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2023-12-29 | $14,500.00 | Mammoth Growth L Receivable Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2023-12-01 | $14,500.00 | Mammoth Growth L Receivable Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2023-12-01 | $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: $9,119.24
- Organic burn this month — expenses exceeded organic income by $17,440.30.
- Expense concentration: Financial & Legal Services alone is 33.0% of monthly spend ($5,796.84).