So the best solution for me is to make a scheduled payment after I got CC bill? This would help me a lot, I think. And "Future Minimum" is a useful feature.
Thanks for all of you guys. Have a nice day. On 2017-09-26 01:28, Buddha Buck wrote: > What might be a nice feature for GnuCash to have is the ability to > generate an "available credit" column for credit cards in some sort of > report. > > As long as I pay more to credit cards than I spend each month, I pay > no interest on the balance. As such, I sort of treat debit and credit > cards interchangeably. It's convenient for me to keep the credit card > balances low, and put all my recurring charges (mortgage, utilities, > cell phone, subscriptions/memberships) on the cards, so I don't have > to worry that they won't get paid if my bank balance is low. > > Under those circumstances, a figure of interest to me is available > funds, the sum of liquid cash assets and available credit. I don't > think I can get that easily out of GnuCash. > > This is sort of what I though Explorare was looking for. > > As a bit of financial advice to Explorare, since I've had times when > I've had difficulty with managing cash flows: Don't pay your CC (or > other bills) according to their schedule; pay them according to yours. > If you have a $200 CC bill due on the 30th, and you get paid on the > 10th and 24th, pay $100 on each payday instead of waiting for the due > date of the 30th. Do that for all your bills that you can (especially > for ones which are a known, fixed, amount). Pay a portion every payday > rather than on the due-date. For recurring payments you can't > pay-in-advance, put them on your credit card, then pay it on your > payday instead. When I had a steady job but poor cash management, I > solved it by paying half of each of my bills via automatic bill pay > timed for the same day I got my paycheck via direct deposit. I would > go to work, and by the time I took my lunch break, the money left in > my bank account was post-bills. > > > On Mon, Sep 25, 2017 at 12:45 PM Christopher Lam > <[email protected] <mailto:[email protected]>> wrote: > > I think the easiest way is to schedule both repayments as you > expect to pay > the credit cards in the future (23 and 30 of the month). > Then on the main Accounts window, enable the column labelled "Future > Minimum" which will warn you how close to the red line you will be :) > (Click on the down arrow on the rightmost edge of column headings) > > On 25 September 2017 at 23:35, Explorare H. David > <[email protected] <mailto:[email protected]>> > wrote: > > > Thanks for your replies. And here is what I'm considering. > > > > The repayment date for one of my credit cards is 23rd, and 30th for > > another. If I want to buy something in cash between these 2 dates, I > > need to know exactly how much money I could spend on that day. I > have to > > repay one of the credit card on 23rd, but the liability value > for that > > account is actually includes some bills I don't need to repay in > this > > cycle. > > > > So here comes the question: how do I know how much money I need > to pay > > for the credit account and how much "money" I still have on my debit > > account if I repay the credit on time. > > > > And how do you guys estimate your usable money for the coming > months? > > For example how much "cash" I still have and how much "money" I > could > > use include all credit accounts. > > > > > > On 9/25/2017 04:05, Aaron Laws wrote: > > > On Sun, Sep 24, 2017 at 11:12 AM, Explorare > <[email protected] <mailto:[email protected]> > > > <mailto:[email protected] <mailto:[email protected]>>> > wrote: > > > > > > Just a stupid question: > > > > > > I have three credit cards which have different bill date. > So how > > > to know the > > > amount of cash I have on a specific date? Is there a tool to > > > calculate this? > > > I didn't find a place to set the bill date and the > repayment date. > > > > > > Sorry for my poor English :P > > > > > > > > > Are you wanting to know your current assets minus your current > > > liabilities to know how much "money" you have on hand? For this, > > > you'll take your chequing account balance and subtract all > your credit > > > card balances, right? I use the "Net Worth Line Chart" for this > > > purpose, and only select the current assets and liabilities > (chequing, > > > cash, etc, and credit cards, etc.). > > > > > > _______________________________________________ > > gnucash-user mailing list > > [email protected] <mailto:[email protected]> > > https://lists.gnucash.org/mailman/listinfo/gnucash-user > > ----- > > Please remember to CC this list on all your replies. > > You can do this by using Reply-To-List or Reply-All. > > > _______________________________________________ > gnucash-user mailing list > [email protected] <mailto:[email protected]> > https://lists.gnucash.org/mailman/listinfo/gnucash-user > ----- > Please remember to CC this list on all your replies. > You can do this by using Reply-To-List or Reply-All. >
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