This is something I wonder myself. How could it be done in a simpler way?

On Sunday, March 18, 2012 6:17:32 PM UTC-3, Peter Keen wrote:
>
> Hi guys,
>
> I have several bank accounts and several virtual "funds". I use these
> funds to keep track of various targeted savings. For example, I have a
> fund that has money set aside to cover any medical expenses that come
> up. Here's how I defined it initially:
>
> 2011/11/28 * Medical Fund
>     [Assets:Funds:Medical]                  $5000.00
>     [Assets:Checking]
>
> = /^Expenses:Medical/
>     * [Assets:Checking]                   1.0
>     * [Assets:Funds:Medical]                    -1.0
>
> This pulls $5000 out of my checking account and puts it into
> Assets:Funds:Medical. It also sets up an automatic transaction that
> will deduct the full amount of any medical expense from A:F:M and put
> it back into checking.
>
> Recently I decided to establish a savings account and put the bulk of
> my targeted savings in there. Here's how I did that:
>
> 2012/02/29 * Medical Fund Transfer To Savings
>     [Assets:Checking]               $4,000.00
>     [Assets:Funds:Medical]
>
> 2012/02/29 * Savings Deposit
>     Assets:Savings                      $4,000.00
>     Assets:Checking
>
> 2012/02/29 * Medical Fund Transfer To Savings
>     [Assets:Medical]                 $4,000.00
>     [Assets:Savings]
>
> This captures my intent but it seems very complex for what it
> accomplishes. Effectively, I want to be able to say "ledger bal" for
> my spendable balance and "ledger --real --cleared" to see what the
> bank says I have. Does anyone have an idea on a simpler way I could
> make this transaction happen while fulfilling those two requirements?
> The automated transaction kind of gets in the way as well, especially
> if I pay a medical bill using my credit card. I get a virtual transfer
> into my checking account well in advance of the real transfer.
>
> Thanks,
> Pete
>
>

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