Finance Pulse — March 2025
Snapshot covering 2025-03-01 through 2025-03-31.
Headline numbers
- Transactions logged: 156
- Raw income: $578.81
- Raw expenses: $14,410.51
- Raw net: $-13,831.70
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $578.81
- Organic expenses: $14,410.51
- Organic net cashflow: $-13,831.70
- Organic savings rate (API-income denom): -2389.7%
- Personal take-home (incl. RDCO owner draws + wife transfers): $8,426.88
- True savings rate (take-home denom): -71.0%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $4,106.62 | 28.5% |
| 2 | Restaurants & Bars | $1,345.91 | 9.3% |
| 3 | Groceries | $1,316.75 | 9.1% |
| 4 | Taxes | $1,195.12 | 8.3% |
| 5 | Medical | $985.80 | 6.8% |
| 6 | Entertainment & Recreation | $815.71 | 5.7% |
| 7 | Cash & ATM | $812.68 | 5.6% |
| 8 | Auto Payment | $652.59 | 4.5% |
| 9 | Travel & Vacation | $649.90 | 4.5% |
| 10 | Miscellaneous | $572.61 | 4.0% |
Income by category (organic only)
| Category | $ |
|---|
| Other Income | $272.71 |
| Paychecks | $200.00 |
| Interest | $106.10 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2025-03-04 | $16,199.00 | 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: $8,426.88
- Organic burn this month — expenses exceeded organic income by $13,831.70.
- Expense concentration: Mortgage alone is 28.5% of monthly spend ($4,106.62).