Finance Pulse — November 2024
Snapshot covering 2024-11-01 through 2024-11-30.
Headline numbers
- Transactions logged: 129
- Raw income: $63.19
- Raw expenses: $11,258.57
- Raw net: $-11,195.38
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $63.19
- Organic expenses: $11,258.57
- Organic net cashflow: $-11,195.38
- Organic savings rate (API-income denom): -17717.0%
- Personal take-home (incl. RDCO owner draws + wife transfers): $8,549.84
- True savings rate (take-home denom): -31.7%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|---|---|---|
| 1 | Mortgage | $4,108.86 | 36.5% |
| 2 | Taxes | $2,399.32 | 21.3% |
| 3 | Restaurants & Bars | $1,152.79 | 10.2% |
| 4 | Auto Payment | $658.72 | 5.9% |
| 5 | Gas & Electric | $630.38 | 5.6% |
| 6 | Groceries | $453.99 | 4.0% |
| 7 | Shopping | $401.93 | 3.6% |
| 8 | Postage & Shipping | $350.00 | 3.1% |
| 9 | Entertainment & Recreation | $229.59 | 2.0% |
| 10 | Miscellaneous | $205.71 | 1.8% |
Income by category (organic only)
| Category | $ |
|---|---|
| Interest | $36.48 |
| Other Income | $26.71 |
Outlier transactions (>=$10k or flagged)
None.
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $8,549.84
- Organic burn this month — expenses exceeded organic income by $11,195.38.
- Expense concentration: Mortgage alone is 36.5% of monthly spend ($4,108.86).