On Fri, Dec 26, 2014 at 08:25:06PM +0800, Daniël Bos (远洋) wrote: > Hmm, at least with my bank, I'm not seeing any differences between the > calculated and actual amounts. I only need to update the speadsheet when > interest rates change. > > Maybe your bank is skimming pennies? ;-)
It seems to me you're still talking about a different problem. I do have a fully detailed payment schedule from my bank, which is precise to the penny. What I'm talking about is a limitation of ledger budgeting feature, as in <http://www.ledger-cli.org/3.0/doc/ledger3.html#Budgeting> ; are you familiar with that feature of Ledger-CLI? To use that, you need to enter periodic transactions. The problem is that, month after month, the amount of principal and interest that I pay change; what is constant is their sum. One month a transation could be something like: Liabilities:Mortgage 10 EUR Expenses:Interest 5 EUR Assets:Checking -15 EUR While a few months later it will be more like Liabilities:Mortgage 10,5 EUR Expenses:Interest 4,5 EUR Assets:Checking -15 EUR i.e., the relative amount of interests you pay decreases over time. AFAICT this is fairly common, at last across various banks in Europe. So if I use a periodic transaction like this ~ Monthly Liabilities:Mortgage 10 EUR Expenses:Interest 5 EUR Assets:Checking -15 EUR a few months later ledger will complain that I'm "drifting" from that period transaction. According to ledger I'll be spending 0,50 EUR more of liabilities reimbursement, and 0,50 EUR less of interests. While I do not want "ledger budget" to complain about that, because that is not a real "drift"; it is fully expected (and matches my payment schedule). I hope it's clear(er) now, Cheers. -- Stefano Zacchiroli . . . . . . . [email protected] . . . . o . . . o . o Maître de conférences . . . . . http://upsilon.cc/zack . . . o . . . o o Former Debian Project Leader . . @zack on identi.ca . . o o o . . . o . « the first rule of tautology club is the first rule of tautology club » -- --- You received this message because you are subscribed to the Google Groups "Ledger" group. To unsubscribe from this group and stop receiving emails from it, send an email to [email protected]. For more options, visit https://groups.google.com/d/optout.
