Hi, I have what I think is a fairly common scenario: infrequent big bills that I want to save up for over the year.
For example, I have two big expenses for my car: registration and insurance. Lets say they're both about 600 dollars, due on July and August respectively. That's 1200 per year, and I would like to allocate 100 per month to that bucket. But the expected spending is not 100 per month, it's actually zero per month, except two months where it's 600 per month. If I set it up so that the spending plan is 100 monthly, then it flows 100 each month to that bucket, which is good. But the graph is all wrong. It says I've got left over money each month except on two months it says I've significantly overspent. If I set it up so that the spending plan is on monthly (or yearly) and I set up the individual months with 0,0,0,...,600,600,0,0,... then the spending plan appears correct on the graph, but the 'allocate income' doesn't put any money into those buckets until that month is reached. So, as I see it, there are two different values here: "how much do I want to put into a bucket each month" and "how much do I want to spend each month". And it seems that MoneyWell treats them the same - when they only need to be the same on average. And so we need to choose between the trade-offs above - good graphing, or putting money away each month. For the simple case above, I just put the money away each month and live with the graph problems - the costs are known so I can't really under/over spend. But in a different scenario, such as "Gifts" it would be very helpful if we could have both work. Eg: I might want to plan to spend certain amounts on each month based on Christmas, birthdays, anniversary, etc.. but because it's discretionary, I need the graphs to help prevent me from overspending. Thanks for reading this. Am I misunderstanding something? Or is this a way that MoneyWell could be improved? Pete (p.s. This is a very helpful program!!) --~--~---------~--~----~------------~-------~--~----~ You received this message because you are subscribed to the Google Groups "No Thirst Software User Forum" group. To post to this group, send email to [email protected] To unsubscribe from this group, send email to [EMAIL PROTECTED] For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~----------~----~----~----~------~----~------~--~---
