Finance Pulse — July 2024
Snapshot covering 2024-07-01 through 2024-07-31.
Headline numbers
- Transactions logged: 147
- Raw income: $5,716.98
- Raw expenses: $15,191.53
- Raw net: $-9,474.55
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $5,716.98
- Organic expenses: $15,191.53
- Organic net cashflow: $-9,474.55
- Organic savings rate (API-income denom): -165.7%
- Personal take-home (incl. RDCO owner draws + wife transfers): $11,845.84
- True savings rate (take-home denom): -28.2%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $4,108.86 | 27.0% |
| 2 | Taxes | $2,399.32 | 15.8% |
| 3 | Travel & Vacation | $1,672.89 | 11.0% |
| 4 | Insurance | $1,171.00 | 7.7% |
| 5 | Shopping | $752.33 | 5.0% |
| 6 | Groceries | $683.28 | 4.5% |
| 7 | Auto Payment | $658.72 | 4.3% |
| 8 | Gas & Electric | $653.44 | 4.3% |
| 9 | Restaurants & Bars | $645.09 | 4.2% |
| 10 | Miscellaneous | $597.03 | 3.9% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $4,315.95 |
| Paychecks | $1,400.00 |
| Interest | $1.03 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2024-07-05 | $16,000.00 | Mammoth Growth L Receivable Ray Data Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2024-07-05 | $16,000.00 | Mammoth Growth L Receivable Ray Data Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Ambiguous deposits (founder couldn’t ID — left as-is)
| Date | Amount | Merchant | Category |
|---|
| 2024-07-24 | $4,250.00 | Online Deposit | Other Income |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $11,845.84
- Organic burn this month — expenses exceeded organic income by $9,474.55.
- Expense concentration: Mortgage alone is 27.0% of monthly spend ($4,108.86).