Finance Pulse — February 2025
Snapshot covering 2025-02-01 through 2025-02-28.
Headline numbers
- Transactions logged: 115
- Raw income: $210.08
- Raw expenses: $16,171.04
- Raw net: $-15,960.96
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $210.08
- Organic expenses: $16,171.04
- Organic net cashflow: $-15,960.96
- Organic savings rate (API-income denom): -7597.6%
- Personal take-home (incl. RDCO owner draws + wife transfers): $12,711.38
- True savings rate (take-home denom): -27.2%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|---|---|---|
| 1 | Mortgage | $4,106.62 | 25.4% |
| 2 | Taxes | $2,660.99 | 16.5% |
| 3 | Entertainment & Recreation | $1,772.72 | 11.0% |
| 4 | Medical | $1,562.29 | 9.7% |
| 5 | Personal | $1,246.06 | 7.7% |
| 6 | Restaurants & Bars | $863.85 | 5.3% |
| 7 | Cash & ATM | $800.00 | 4.9% |
| 8 | Auto Payment | $652.59 | 4.0% |
| 9 | Gas & Electric | $639.96 | 4.0% |
| 10 | Groceries | $576.10 | 3.6% |
Income by category (organic only)
| Category | $ |
|---|---|
| Other Income | $122.60 |
| Interest | $87.48 |
Outlier transactions (>=$10k or flagged)
None.
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $12,711.38
- Organic burn this month — expenses exceeded organic income by $15,960.96.
- Expense concentration: Mortgage alone is 25.4% of monthly spend ($4,106.62).