Hi Hsiu-Khuern,

I think your first question is mostly a matter of taste, but I personally think 
separate accounts make it easier to reconcile your ledger with your statements.

On the subject of transfers, I like to do payees like this:

2012-03-10 Transfer Citi Savings -> BofA Savings
Assets:Bank:BofA:Savings $20.00
Assets:Bank:Citi:Savings -$20.00

Make sense?

--Paul 

-- 
Paul Lathrop


On Thursday, March 29, 2012 at 9:48 AM, Hsiu-Khuern Tang wrote:

> Dear ledger users,
> 
> I have a basic question about how you organize your accounts.
> 
> If I have two credit cards, is it better to distinguish them using the 
> account name, e.g.,
> 
> - Liabilities:CreditCard:BankOfAmerica
> - Liabilities:CreditCard:Citibank
> 
> or by using a metadata tag? If the latter, should I use the payee tag so that 
> I can use --by-payee?
> 
> I can see the first method leading to lots of accounts, making the default 
> "ledger bal" output very long.
> 
> 
> A related question is: if I transfer money from one bank account to another, 
> should the payee be the source bank, the target bank, or something else (such 
> as "transfer")? Example:
> 
> 2012-03-10 Bank of America ; Or Citibank? Or something else?
> Assets:Bank:BofA:Savings $20.00
> Assets:Bank:Citi:Savings $-20.00
> 
> Since this is a "symmetric" situation (one bank to another) it seems 
> unnatural to me to put either the source or the target bank as the payee.
> 
> Thanks!
> 
> -- 
> Best,
> Hsiu-Khuern.



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