Finance Pulse — December 2024
Snapshot covering 2024-12-01 through 2024-12-31.
Headline numbers
- Transactions logged: 180
- Raw income: $5,828.09
- Raw expenses: $17,309.27
- Raw net: $-11,481.18
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $5,828.09
- Organic expenses: $17,309.27
- Organic net cashflow: $-11,481.18
- Organic savings rate (API-income denom): -197.0%
- Personal take-home (incl. RDCO owner draws + wife transfers): $8,529.84
- True savings rate (take-home denom): -102.9%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $4,108.86 | 23.7% |
| 2 | Taxes | $2,399.32 | 13.9% |
| 3 | Home Improvement | $2,034.38 | 11.8% |
| 4 | Electronics | $1,760.36 | 10.2% |
| 5 | Restaurants & Bars | $1,140.51 | 6.6% |
| 6 | Groceries | $1,106.47 | 6.4% |
| 7 | Medical | $771.69 | 4.5% |
| 8 | Auto Payment | $658.72 | 3.8% |
| 9 | Shopping | $653.32 | 3.8% |
| 10 | Entertainment & Recreation | $535.00 | 3.1% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $5,781.63 |
| Interest | $46.46 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2024-12-31 | $18,000.00 | Online Transfer from Savings 9211 | Transfer | TOTAL CHECKING (…4631) | one-time |
| 2024-12-27 | $53,407.15 | Loss Draft Credit | Uncategorized | #705087542 (…7542) | one-time |
| 2024-12-03 | $16,000.00 | Mammoth Growth L Receivable Ray Data Merchant Name | Transfer | 1 - Income (…3578) | one-time |
| 2024-12-03 | $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 |
|---|
| 2024-12-17 | $4,400.00 | American Securit Payment Aws | Other Income |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $8,529.84
- Organic burn this month — expenses exceeded organic income by $11,481.18.
- Expense concentration: Mortgage alone is 23.7% of monthly spend ($4,108.86).