Finance Pulse — August 2024
Snapshot covering 2024-08-01 through 2024-08-31.
Headline numbers
- Transactions logged: 141
- Raw income: $884.70
- Raw expenses: $15,200.99
- Raw net: $-14,316.29
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $884.70
- Organic expenses: $15,200.99
- Organic net cashflow: $-14,316.29
- Organic savings rate (API-income denom): -1618.2%
- Personal take-home (incl. RDCO owner draws + wife transfers): $9,524.84
- True savings rate (take-home denom): -59.6%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $4,108.86 | 27.0% |
| 2 | Taxes | $2,491.79 | 16.4% |
| 3 | Miscellaneous | $1,527.56 | 10.0% |
| 4 | Restaurants & Bars | $1,514.44 | 10.0% |
| 5 | Shopping | $823.74 | 5.4% |
| 6 | Auto Maintenance | $779.26 | 5.1% |
| 7 | Gas & Electric | $701.36 | 4.6% |
| 8 | Auto Payment | $658.72 | 4.3% |
| 9 | Groceries | $609.20 | 4.0% |
| 10 | Travel & Vacation | $407.92 | 2.7% |
Income by category (organic only)
| Category | $ |
|---|
| Paychecks | $786.00 |
| Other Income | $49.67 |
| Interest | $49.03 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2024-08-02 | $16,000.00 | Mammoth Growth L Receivable Ray Data Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2024-08-02 | $16,000.00 | Mammoth Growth L Receivable Ray Data Merchant Name | Transfer | 1 - Income (…3578) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $9,524.84
- Organic burn this month — expenses exceeded organic income by $14,316.29.
- Expense concentration: Mortgage alone is 27.0% of monthly spend ($4,108.86).