I downloaded my spending transactions from Plaid via a python script, and want to look at my spending trends over time. There's a few things I've realized with the data:
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debits to my account (i.e. refunds from stores, and credit card payments) are counted as negative numbers, which throws off this calculation. To get around this, I'm removing all negative numbers. I probably should include refunds, since getting a refund does behaviorally change how I'm spending. But I'm removing because my refund was for a large purchase (a bed that was approx $2k).
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Rent totals skew my spending patterns. My goal is to actually just look at my elective spending, not fixed spending. Even if my rent goes up or down over time, my opinion here is that that should not meaningfully affect how I spend. The reason is because I calibrate my rent based on my overall wealth, not based on how much I would like to spend monthly. Plaid does a good job of identifying rent payments; however, I airbnb'd for 9 mo