On Mar 1, 8:51 pm, Alan Schmitt <[email protected]>
wrote:
> On 1 mars 09, at 02:29, txcrew wrote:
>
> > After further reading and learning.....
>
> > This post by Kevin really sparked the "ah-ha" moment in terms of which
> > transfers should have a bucket and which should not:
>
> >http://groups.google.com/group/no-thirst-software/msg/121c5960b5156fa8
>
> > This got me closer to being balanced but in fact, led me directly to
> > my problem, my income bucket for 'interest earned' on both my savings
> > and my checking was counted in the buckets total however, I was not
> > including my savings in the accounts total (for reasons obvious).  Now
> > I just have to figure out the best practice for recording interest
> > earned on savings accounts.
>
> I've thought quite a bit about tracking savings, and I wrote a post a  
> while back on my 
> blog:http://alan.petitepomme.net/blog/2008/04/tracking-savings-in-moneywel...
>
> Even though it's almost a year old, it's still how I track my savings.  
> I would love some more graph options though ;-)
>
> Alan

I had seen this one before but had not really set up yet. However, I
decided to fanatically start my emergency fund, so I set it up
according to your last suggestion (I already had a bucket 'saving', so
I simply created one called 'EF' and 'macbook' cause I plan to save
for a macbook too, but first the emergency fund).
It went very smooth and it looks like how I expect it.
I do have one question though, do you make the second savings bucket
(EF in my case) a spending or an income bucket? I made it a spending
bucket at first and then the graph would drop below zero (negative
spending) so I switched to income (and not included in combined
income) but I'm not sure yet... I do like the idea of it being an
income bucket, because it's an emergency fund and that way I can
technically use it in case of emergency to flow money to my high
priority spending bucket (mortgage, groceries, insurance etc).
I wouldn't make my 'macbook' savings income though.

What are your thoughts on this?

Tanja



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