On Feb 19, 2009, at 8:43 AM, Alan Schmitt wrote:

> I also discovered a discrepancy here, and it was because I had a  
> hidden bucket whose balance was not zero.
>
> So: every bucket must be assigned (and not be "optional"), every  
> hidden bucket (and I guess hidden account) must have a balance at 0,  
> and if a transfer is assigned a bucket, both sides must be assigned  
> a bucket.


Alan,

Both sides of a transfer do not need to be assigned to a bucket (and  
rarely should be actually) but transfers will cause a problem if you  
are trying to keep your buckets total and account balances in sync.  
The biggest problem is when you use money from an account that doesn't  
directly affect your buckets total. In other words, if I spend money  
from my savings account but that account balance wasn't part of my  
cash flow start amount then I'm going to have a discrepancy in my  
totals. This is especially true if I allocated money to that bucket  
from a deposit to another account like my checking account.

The goal is to make sure that you spend only what you allocate and not  
to worry about matching up the totals. Behind the scenes you may be  
moving money between accounts to fund spending but you still will be  
sticking to your spending plan if you only spend what you allocate.

Peace,

Kevin Hoctor
[email protected]
No Thirst Software LLC
http://nothirst.com
http://kevinhoctor.blogspot.com


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