On Feb 21, 2009, at 8:18 PM, Brian H. Mayo wrote:

> I do not follow your answer.
>
> The footer line that lists the totals changes as different
> transactions are selected, which is a great feature to understand,
> over time (in the future) what the totals (and buckets) will look
> like.  As I mentioned in the original post, the bank balances decrease
> reflecting the money being taken from the bank account to satisfy the
> transactions (like the paying of a bill).  But, my problem is that the
> bucket that is listed in the transaction is not changed.
>
> Take this example, let us say we have 1 bank account, one income
> bucket, and one expense bucket.  I put $100 in the bank account.
> First, the income bucket has $100 and I then flow that into a "water
> utility" expense bucket.  Let us say I create a future transaction (I
> did an online billpay) to pay $100.  I would highlight the transaction
> and in the footer it would show the bank account at $0 (reflecting the
> payment of the bill from that account), but the buckets balance would
> show $100.
>
> In your answer you mentioned the notion of "currently", but when you
> highlight a future transactions, you are altering the footer totals
> and (should be) buckets balance as well.  You are changing the point
> in time reference from now to then in the future.


Brian,

The difference is that the daily balances and sums (when you select  
more than one transaction) are all at the bank register level. This is  
the concrete layer in MoneyWell that lets you manage your accounts at  
the transaction level to make sure you are tracking every single  
activity.

The buckets are on a different level. The cash flow level is less  
concrete and is designed to show you how much is being spent and is  
left to spend based on the envelope budgeting method. Your bucket  
balances for current activity (when you don't have the view filtered  
down to a specific month) only are affected by your spending plan and  
the transactions you've assigned to that bucket. You can see projected  
spending for your envelope method by showing pending transactions or  
ignore those by hiding them but filters don't affect the available  
bucket balances because changing those would skew your decision to  
spend or not to spend.

You either have money left to spend in your Dining bucket or you  
don't. It shouldn't change based on what day of the month you are  
reviewing. I hope this helps. Our "Understanding MoneyWell" video  
tries to point out this difference as well.

Peace,

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


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