Finance Pulse — February 2024
Snapshot covering 2024-02-01 through 2024-02-29.
Headline numbers
- Transactions logged: 118
- Raw income: $98.90
- Raw expenses: $16,207.20
- Raw net: $-16,108.30
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $98.90
- Organic expenses: $16,207.20
- Organic net cashflow: $-16,108.30
- Organic savings rate (API-income denom): -16287.5%
- Personal take-home (incl. RDCO owner draws + wife transfers): $8,223.84
- True savings rate (take-home denom): -97.1%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|---|---|---|
| 1 | Financial & Legal Services | $5,904.34 | 36.4% |
| 2 | Mortgage | $4,108.86 | 25.4% |
| 3 | Shopping | $945.06 | 5.8% |
| 4 | Restaurants & Bars | $929.30 | 5.7% |
| 5 | Taxes | $891.41 | 5.5% |
| 6 | Groceries | $733.39 | 4.5% |
| 7 | Auto Payment | $658.72 | 4.1% |
| 8 | Entertainment & Recreation | $452.77 | 2.8% |
| 9 | Miscellaneous | $441.95 | 2.7% |
| 10 | Gas & Electric | $369.71 | 2.3% |
Income by category (organic only)
| Category | $ |
|---|---|
| Other Income | $98.47 |
| Interest | $0.43 |
Outlier transactions (>=$10k or flagged)
None.
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $8,223.84
- Organic burn this month — expenses exceeded organic income by $16,108.30.
- Expense concentration: Financial & Legal Services alone is 36.4% of monthly spend ($5,904.34).