Finance Pulse — August 2025
Snapshot covering 2025-08-01 through 2025-08-31.
Headline numbers
- Transactions logged: 131
- Raw income: $1,204.12
- Raw expenses: $13,154.18
- Raw net: $-11,950.06
- Excluded one-time income outliers: $0.00
- Excluded one-time expense outliers: $0.00
- Organic income: $1,204.12
- Organic expenses: $13,154.18
- Organic net cashflow: $-11,950.06
- Organic savings rate (API-income denom): -992.4%
- Personal take-home (incl. RDCO owner draws + wife transfers): $9,509.14
- True savings rate (take-home denom): -38.3%
Top 10 expense categories
| Rank | Category | $ | % of expenses |
|---|
| 1 | Mortgage | $4,106.62 | 31.2% |
| 2 | Auto Payment | $2,119.10 | 16.1% |
| 3 | Restaurants & Bars | $1,560.74 | 11.9% |
| 4 | Taxes | $1,195.12 | 9.1% |
| 5 | Medical | $753.00 | 5.7% |
| 6 | Gas & Electric | $624.74 | 4.7% |
| 7 | Groceries | $476.30 | 3.6% |
| 8 | Miscellaneous | $471.94 | 3.6% |
| 9 | Shopping | $308.68 | 2.3% |
| 10 | Postage & Shipping | $267.00 | 2.0% |
Income by category (organic only)
| Category | $ |
|---|
| Paychecks | $959.00 |
| Interest | $208.57 |
| Other Income | $36.55 |
Outlier transactions (>=$10k or flagged)
| Date | Amount | Merchant | Category | Account | Classification |
|---|
| 2025-08-01 | $16,000.00 | Mammoth Growth L Receivable Ray Data Merchant Name | Transfer | 1 - Income (…6302) | one-time |
Notable observations
- RDCO owner-draw inflows to personal accounts this month: $9,509.14
- Organic burn this month — expenses exceeded organic income by $11,950.06.
- Expense concentration: Mortgage alone is 31.2% of monthly spend ($4,106.62).