Saying the things above I realized I can simplify my ledger a bit more :

2019/08/16 Workday so we will have a debt
    Workdebt                                       8
    Life

2019/08/16 Working so will remove some debt
    Work                                           7
    Life

2019/08/16 Other things
    Study                                          4
    Workout                                        2
    Life

~ daily in 2019/08/17
    ; Challenging myself to increase my time in certain areas
    Study                                          5
    Workout                                        2
    Life

2019/08/17 Another workday
    Workdebt                                       8
    Life

2019/08/17 Working and getting ahead
    Work                                          11
    Workdebt

2019/08/17 Free time usage
    Study                                          3
    Workout                                        3
    Life


So now I can run some reports to see my time spent :

ledger -f test.ledger -E balance
                 -35  Life
                   7  Study
                  18  Work
                   5  Workdebt
                   5  Workout

Looking at this I need to work 5 hours to reach zero in debt with my 
employer.

Checking the day I planned I can see the following : 

ledger -f test.ledger --begin 2019/08/17 -E budget
                -14                  -7                  -7  200%  Life
                  3                   5                  -2   60%  Study
                  3                   2                   1  150%  Workout

So I'm a bit ahead in working out but lagging with my studies.


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