I'm looking to estimate an annual/monthly budget, and the simplest way I thought of to do that was to look at my annual expense reports (I have data for almost a decade) to see trends (spending on books and education related stuff is way up due to having young children, as are spendings on food and insurance, while spending on eating out is down slightly).
There's some pretty big holes in the data I'm looking at though, and it's primarily because of debt. I'm paying off a housing loan monthly (to the tune of a quarter of take-home pay, to get it done quickly), and that does not show up in expense reports (the only thing that shows there is interest accrued, which isn't much compared to the amount I'm actually paying). Obviously, the reason is because paying off a housing loan is (as I model it) a transaction between my cash-in-hand/banking assets and the large liability account called "HousingLoan". I *think* this is standard accounting. However that means that my annual/monthly budget, if only based on expenses data, will miss this amount, and really I'm primarily interested in balancing my cashflow rather than expenses. That is to say, if I take home X amount, my cash outflow should be less than X. If my monthly housing loan payments are Y, that means I need to budget against X-Y rather than X itself. Is there a way to generate reports on cashflow? Probably just 'everything that flows out of assets' would suffice at this point? -- You received this message because you are subscribed to the Google Groups "Beancount" group. To unsubscribe from this group and stop receiving emails from it, send an email to [email protected]. To post to this group, send email to [email protected]. To view this discussion on the web visit https://groups.google.com/d/msgid/beancount/CAGQ70etcHHS7Whvw9xEKBAJNyEroKbUtGk9_N-LqhaKGdLd1YQ%40mail.gmail.com. For more options, visit https://groups.google.com/d/optout.
