> For example, if you're saving for a purchase, you might decide that
> you want to pay for half in cash and the other half with a credit
> card, or some from checking and some from savings.  You want to make
> "virtual" contributions to the savings account from multiple real
> accounts.

No, you can still have transfers from multiple accounts to the same savings goal:

+ Cash On Hand
  + Bank Accounts
    +Checking
      - Savings Goals
    + ...
...
+ Savings Goals
    - Honeymoon
    ...


> This would require a flag on a split/transaction that indicates the
> split is virtual, and some framework for displaying them differently
> and handling the "payoff" (where you transfer real money out of your
> real account to pay for the real object, and "give back" all the
> virtual contributions you made).

That sounds to me like mixing real and virtual transactions.. that has me a bit
worried. (I may be misunderstanding you though)

> This is a slightly more involved solution, but it's a lot more
> flexible and doesn't require the weird account-subaccount tree.

More involved does worry me a bit too as more involved code generally means more
bug prone and more difficult to mainain code, but I'm not totally adverse to the
idea.

Lauren.



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