[No Thirst Software] Re: Credit Card Buckets for Finance Charges???
On Tue, Jun 9, 2009 at 2:59 PM, Daveoneblessed...@gmail.com wrote: Hello! I am wondering what everyone does for their finance charges. Do you put them in a bucket or not? Technically, you wouldn't have to b/c you are paying the charge and the payment at the same time. But I could see the other side too. What is the gist? I don't track my credit cards, but I do get monthly bank charges on my checking account, and I charge those against a Bank Charges bucket. As for finance charges, they do technically affect your credit card balance, so not all your payment goes against the principal. It would be hard to split out the charge every month. To keep your card balance in line, you could create that finance charge transaction and mark the transaction Bucket Optional. Others may have better ideas. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Money left in account, but no cash available for flowing?
On Sun, Jun 7, 2009 at 6:16 AM, HenrikWLhenrik.w.l...@gmail.com wrote: Ok, there's weirdness. I currently find myself in the situation that all my expense buckets are empty, yet I have money left on my spending accounts. All incoming transactions to these accounts have been allocated to income buckets, and all outgoing transactions have been allocated to expense buckets (except transfers between them that have been purely administrative), and to my mind, I should still have allocateable money so long as I have money in my spending accounts. The account balances in MW match the account balances in my bank, so I have not left out any transactions so far as I can see. Where do I even begin to investigate? Check your Starting Balance transaction for the accounts and make sure they were assigned to an income bucket. That'd be my guess. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: How to Skip Scheduled Transaction
On Wed, Jun 3, 2009 at 9:14 AM, mikemc mikemck...@gmail.com wrote: Hey Kevin, Is there a way to skip a scheduled transaction? Looked in the groups and couldn't find anything. I came across a need for this for my credit card this month. I had a $0 balance (moneywell has worked wonders for my budget) this month and wanted to skip this months 06/01 scheduled transaction and bump to 07/01. Only way I was able to do this way to set the 06/01 pending transaction to Open and then delete it and this bumped the scheduled transaction to 07/01 on the Scheduled Transaction screen. Just wondering if there is a setting I am missing or an easier way to do it. Mike, I usually just delete them as necessary. I don't even Open them. Just from their Pending state. The next month they show up again. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Bank of America connection problem
On Thu, May 28, 2009 at 11:59 AM, Brad bradper...@gmail.com wrote: I purchased this product a month ago and was just getting around to adding the rest of my bank account information. The order of events was as follows: update push of software upgrading to 1.4.8 from 1.4.7 and then I tried to add the Bank of America(non CA, WA, ID) and I get the following error: [2000] ERROR The product which you are using is not enabled. Please call customer service at 1.800.933.6262 for assistance. I have seen other BofA errors in the group recently; however, it appears they were all resolved with 1.4.8 beta. I upgraded to the 1.4.8 release, so I am at a loss. I'm wondering if you need to setup Direct Access with Bank of America? It might be an additional service they have to enable on your account (probably for a fee). Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Feature Request: Keyboard shortcut to reach Reconcile date
Kevin, Not sure when you added this, but I never noticed the Date field next to the status drop down when a transaction is in the Reconciled state. After using the Reconcile screen for the first time, I noticed this is the date that MoneyWell uses to determine what transactions are considered reconciled for my reconciliation statement date range. Right now, I enter my transactions manually, and then later use my bank's web interface to put transactions in the reconciled state by hand. It would appear that MoneyWell uses the date of the transaction as the default date for this field when reconciling this way. I would love a way to get to that field with a keyboard shortcut as I'm mostly using the keyboard to navigate everything. Thanks, Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Allocating Income
On Apr 10, 2009, at 11:01 AM, ritch wrote: Based on what I've read this allocating income seems a bit confusing for most of us. I'm trying to figure it out myself now. Here is my scenario. I have a Auto:Fuel bucket. In my spending plan I have it set as this: $240.00 Monthly All Month First:120.00 Second:120.00 Total: 240.00 When I allocated income for the first half of the month it dutifully put $120.00 in the Auto:Fuel bucket. During the first half I only used $84.25 so I flowed money out of it to other buckets to the point that the Auto:Fuel bucket had $0.00. Now it is time to allocate money for the second half. I open the Allocate Income panel, set the Next Month Starts to 5 days (payday is 04/10/2009) and select 2nd half. Here is what the Auto:Fuel line reads: Priority:Highest Timing:All Month Planned:$240.00 Allocated:$84.25 New Flow:$155.75 I don't get this at all. Why isn't my New Flow simply $120.00? I can see that the $155.75 + $84.25 = $240.00 but can't seem to figure out exactly what MW is trying to do for the second half of the month. Clue me in please. I'll see if I can try. Basically, when you're setting up a spending plan, you are telling MoneyWell you want to allocate X amount to a bucket in a month. MoneyWell then tries to make sure that amount gets allocated. When you zeroed out your Fuel bucket by making those money flows, MoneyWell subtracted those amounts from what was allocated to the Fuel bucket. When you went to allocate again, MoneyWell sees that only $84.25 was left allocated. It's trying to hit your $240 for the month target. I think this presumption comes from the idea that you technically owe the Fuel bucket money because you used it elsewhere. I know Kevin has mentioned working on handling this situation better. I run into it all the time for the second half of the month. I just change the allocation amount to what I know I want it to be. I hope that helps explain things. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: What to do with the little transactions... misc bucket? Or leave as Unassigned?
On Wed, Mar 25, 2009 at 4:57 PM, Tony tony.i...@gmail.com wrote: Does anyone have a suggestion on how to handle the little transactions, such as those small deposits paypal places into your account when you link your bank with paypal for confirmation or ATM surcharge rebates my bank happens to give me, etc. Not sure if I should make a Misc Bucket or leave them Unassigned. For some reason, I feel like everything should be Assigned. Thanks. I assign all transactions to my account to a bucket. For things like this, I create the dreaded Misc bucket. I have one for income and expenses. I use this bucket as an absolute last resort, because I want to force myself to come up with a better classification. But some thing just are misc and will never happen again. So there they go. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: ETA on iphone/ipod touch app?
On Tue, Mar 24, 2009 at 12:13 PM, Daniel skyvoy...@gmail.com wrote: Kevin, Boy, after making us wait almost a full year for the mobile app, it will have to walk on water. :) Thanks for the ETA. I'm wondering why you couldn't release the app sooner, then release an update after iPhone 3.0. I figure since MoneyWell heavily uses Core Data, Kevin wants to leverage that in the iPhone version. It won't be added until 3.0 comes out. Doing all the SQL work by hand first then converting probably isn't worth the time. At least, as a developer, it wouldn't be for me. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: more newbie questions
On Mar 22, 2009, at 8:38 PM, cardigrl wrote: Except, actually, that does not work at all. For example, I just reconciled one account from my account statement. It claimed it reconciled. Yet, the amount it shows at the bottom of the screen does not match either the amount on the printed statement, nor the amount shown on the bucket in the accounts list. So the program has 3 different figures for the balance on one day. And how can it show that it's reconciled when the reconciled balance on the bottom of the screen does not match the ending balance on the reconciliation screen? This subject has come up a lot on the forum and I believe Kevin's basic response is that intra-day balance doesn't matter, at least not to your bank. (Kevin is the developer of MoneyWell) The notion of a running balance is a holdover from our checkbooks. Part of the problem I think for your specific situation is that MoneyWell probably doesn't have your transactions in the same order as your statement. I too wanted a running balance, but decided to give things a try not rely on it. All I do now is focus on my reconciled balance. It's the only balance that matters when I'm comparing to my bank's balance after each transaction. (Yes, they have a running balance, but really, they only care about close of business) The things I check are bucket balance, reconciled balance, and account balance. Your bucket balance should match the sum of the account balances that make up your buckets minus any transactions that are not assigned to a bucket. And the reconciled balance for a day should match with your bank at the end of that day as well. Just my $.02 Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: split transaction w/ cash
ciara belle wrote: nope sorry dont want to start creating 'fake' transactions... sigh then when i look at a month from now i will be like what? where'd that come from... I'd disagree that it's a fake transaction. If they had credited it back to your card, it would have been a new transaction in your bank account to reconcile against. It's certainly a new transaction for the merchant. For you, it's just a cash transaction deposit of money you have to spend again. I have returns, mostly on my card, and I treat them as a deposit (that they are) and set the deposit's bucket to the bucket it came from. I also use the memo field to put a reminder that it was a refund. the original transaction is already removed - and reconciled... in the q program i would have just added a line for misc -- so i guess i will just do that :) also - if i Dont change the original split it looks like i spent 57.75 MORE in that bucket (for which i returned items) than i actually did. As I said above, I set the deposit back into the bucket. Then I either leave it there to spend again (usually if it's Grocery Store related), or use a money flow to another bucket (usually my Misc Income bucket). Your graph may look wrong to you, but I see it as I really did spend X dollars on that bucket in the month. I just happen to get some of it back. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Are buckets mandatory?
On Fri, Feb 27, 2009 at 9:39 AM, mitten mit...@gmail.com wrote: I'm a Microsoft Money refugee (tired of having to run a virtual machine to do accounting) and looking pretty seriously at MoneyWell. Welcome to my club. I too am a MS Money refugee. MS Money was really the last reason I was using VMWare Fusion. My question is: if I want to just use MoneyWell as a checkbook manager - like putting 'categories' on transactions (I don't care if they're called 'buckets'), reconciling my accounts, etc., can I do that? I realize that the bucket thing is a major part of the software and one of the premier features of it. It looks really cool, but for our situation (two freelance incomes) it looks very complex and hard to use. If I just get going with MoneyWell as a checkbook manager, will I be able to start using the buckets later, once I understand how to make them work for our situation? Or do I need to use buckets to do the more basic functions like monthly reconciliations? The bucket thing is *really* major to the design of MoneyWell, but I think you can do what you want and also come back to using buckets in the future. What you can do is make all transactions have the bucket as optional. Right-click a transaction and choose Bucket Optional ( or something like that ). Not sure if there's a keyboard way to set that, but maybe. I'll also defer to other users and Kevin himself for potentially better ways to avoid the buckets until you're ready. Although I will say, they are great once you understand how it all ties together. It really gives my wife and I a really good picture of how much money we have left to spend in any planned category ( particularly dinning out when we shouldn't be ) I hope that helps. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Getting charged for too many direct connection attempts
On Fri, Feb 20, 2009 at 5:18 PM, Jake_Covert jakecov...@gmail.com wrote: I have Comerica direct connect. At $3.95 / month, this comes with 10 direct connects, and cost some small amount for over that. Additionally, I'd suggest complaining to your bank. That seems like a ridiculous and artificial limit. At least the 6 transfers thing for savings accounts has some sort of basis in banking law. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Sign up to hear about MoneyWell Mobile
On Wed, Feb 18, 2009 at 11:47 AM, Kevin Hoctor ke...@nothirst.com wrote: You can now sign up for information and announcements about MoneyWell Mobile, our upcoming iPhone application: http://nothirst.com/moneywell/ Woo Hoo! I can't wait. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: New Website for No Thirst Software!
On Fri, Feb 13, 2009 at 3:59 PM, Kevin Hoctor ke...@nothirst.com wrote: No Thirst Software is proud to announce a brand new design for it's website! Check it out at http://nothirst.com Looks great! --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Scheduling Money Flows
On Sun, Feb 8, 2009 at 3:04 PM, Zoolook mark.a.h...@gmail.com wrote: Do I need to allocate money flows independently each month, or can I schedule them. For example, Rent gets paid every month, so I have a scheduled transactions repeating each month on the 1st. However, it looks as though each month I have to manually create the money flow, even though I have a spending plan. I think an automatically created money flow based on an initial spending plan might be cool. If you setup a spending plan you don't need to do manual money flows. Hit the Allocate Income button in the toolbar and a dialog comes up that does all your spending plan flows for you. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Getting Started
On Sun, Feb 8, 2009 at 3:13 PM, Chips pdleav...@msn.com wrote: I opened a MoneyWell account today, received a license #, and am having trouble getting started. One of the tutorials spoke of a Welcome to MoneyWell page that I can't find. Would appreciate some help. You downloaded the software and ran it? The first window you should see when you run MoneyWell for the first time is a Welcome to MoneyWell window with 4 choices: 1. Open the sample file 2. Start from Scratch 3. Import a file 4. Open an Existing File Being a new user, you probably want to check out the video tutorials here: http://www.nothirst.com/tutorials/ Pay particular attention to Understanding MoneyWell and Getting Started I hope that helps, Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Im trying to get my head around this... Users and Kevin help me out...
On Sun, Feb 1, 2009 at 2:44 PM, lterenzi ltere...@gmail.com wrote: I am wondering if all the years of standard accounting practice has just made it impossible for me to really wrap my head around this. The envelope method can take some time. I know it took me a little of time to get it after years of MS Money. For instance my daughter is in a Girl Scout Troop. We just collected $800 form parents to buy tickets to an event. We deposited it and then will write a check back out for the same amount. Do I just treat this as a regular transaction since it is never a budgetable / plannable expense? You can mark transactions as having an optional bucket which means they have no affect on your buckets. In this case, the deposit and the check would be set as optional. Just right click a transaction and select Bucket Optional ( Or something like that ) Also, We can pay all our monthly bills with my wife's check alone. She is the only one with a steady paycheck. Should I just try and create our spending plan with her check in mind and leave my money as extra? (Contractor - I may make $4000 this month, none next) I would base your spending plan on that. And then move your income into some other income bucket you can allocate from when you get money throughout the year. In regards to bills. In the winter our electric may be $150 and gas may be $30.00 in summer it's $200 and $80 respectively. Do I chage these as I go? This is tougher. You can try to average it out yourself and save the average and then in some months you have leftover money that you will use in the months it goes over the average. I already have average billing from my electrical utility so I don't do this too often. My water and gas bills are basically the minimum charge, so they don't change much. Our daughter is in a wheelchair. With that comes all sorts of different and unexpected medical costs. I cant budget for them. I can budget Dentists, Eyes, Pediatrician but not that. We just grab from savings if something pops up. What we do with unexpected expenses like that is transfer money from savings into our income bucket and allocate to our Medical bucket for it. We do budget for a few doctor's visits during the year as our kids have their normal checkups. But we aren't building up a bucket for medical expenses we don't expect. I know the whole point of this is too not feel boxed in but the more I get into this the more I feel that way... Maybe it is just a reprogramming thing... am I missing something? Am I making this too complicated? Should I start using this to just keep track of monthly bills and as I use track where my money is going and create new buckets from there? Some of this is reprogramming from worrying about account balance and more worrying about spending balances (i.e. your buckets ). My wife and I really like it because it shows us at a glance how much we have left to spend on groceries or gas. It also shows us that when we want to eat out, we have take money from some other planned spending. It hasn't stopped us yet, but it's certainly been eye opening. I hope some of those answers help. I'm sure other users will jump in with their thoughts, as well as Kevin, the developer of MoneyWell. Lastly, I would recommend watching the video tutorials a few times, it starts to cement how it all works. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Im trying to get my head around this... Users and Kevin help me out...
On Sun, Feb 1, 2009 at 7:57 PM, lterenzi ltere...@gmail.com wrote: Thanks for taking the time to answer Patrick. I want to get this so bad because I think it can really help us but I just seem to be confuserated (and old blues idiom) by it all. You're welcome. I know from personal experience it can be difficult to get ones head around how all this works. Here's another... For Dining Out I have $300 a month allocated. I want all $300 ready to go for the whole month right away. Should I just set it to First Half so it's all there ready to go? Yep, set it to first half and the bucket will get completely filled during the first half's allocation. Are the main reasons for First Half, Second Half to allocate paychecks that come at those intervals. Basically at the beginning of each month I want to fill all the buckets for that month right away. Should I just set everything to First-Half? First and Second half are, at least for me, how I deal with receiving two paychecks. Some buckets I have set to all month, which allocates half their spending plan in each half of the month ( groceries, child care, gasoline, etc ) are all month for me. I use the halves for half of the month specific expenditures. All my debt repayments are in the first half of the month, so that half fills my debt repayment bucket. The second half has a lot of my utilities, so they get filled in the second half of the month. Still confused... and feeling kind of frustrated and stupid to be honest... :( To repeat myself, if you haven't watched the tutorials a couple of times, I'd highly recommend it. I think once you see how a couple of months work, it will all start making sense. I actually tracked my first two months in both MoneyWell and MS Money in case I decided to go back to MS Money. Needless to say, I haven't been even tempted to open MS Money now that I've got MoneyWell cranking. Good luck and if you have more questions, just ask. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Spending Plan...?
On Mon, Jan 26, 2009 at 11:25 PM, Lars larsrou...@gmail.com wrote: Okay... after some tinkering, I figured out how to get the spending plan to work. I couldn't figure out why my bucket's graphs were completely covered in red hash marks. But, I then realized I had to manually enter in the Money Flows for that bucket. But, that's where I think I have a problem... Let's say I've set up a spending plan. I've set up my Income and Expense. Now, I enter a transaction for that expense and it is less than the planned amount. The bar in my graph for that bucket is completely covered in red hash marks. So, I add in a Money Flows from my Income bucket for the amount of the transaction. Since I am under budget, the graph is now blue and there is a dotted outline at the top for spending less than the planned amount. Yay me! But, here is my question: Is there a way to set it up so I don't have to go in and manually enter then Money Flows every time I make a transaction in that bucket. If I am entering a car payment, which (the amount) never changes from month to month, do I have to enter in the Money Flows every time I enter my car payment...? Shouldn't the program know that I want the money to come from my Income into that bucket, if when I enter the transaction, I select the Automobile bucket? I hope all of this makes sense Thanks for the help! It sounds like you made a spending plan, but then didn't actually allocate your income. Did you hit the Allocate Income icon in the toolbar? Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: feature request - easy change of clear / reconcile / pending
On Jan 15, 2009, at 11:01 AM, ciara belle wrote: Hi I would love to be able to just click the circle on the transaction line as an alternative method to change to cleared.. or if its cleared to reconciled... or if its reconciled back to pending... :) Clicking would be nice. In the meantime, there is a keyboard shortcut for at least setting the Reconciled state. It's cmd-shift-R. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Change Request: Reorder buttons on Welcome to Moneywell Window
Kevin, I have MoneyWell setup to not open my most recent file because I manage two different files and I don't always want to immediately open the last one I was using. With this setup, when MoneyWell launches, there's the Welcome to MoneyWell window that displays normally on first launch. The current order of the buttons is: 1. Open Sample File 2. Start from Scratch 3. Import File 4. Open an Existing File I constantly quick scan this and click Open Sample File because I see Open and keep forgetting I want the last button. I'd propose changing the order to swap Open Sample and Open Existing: 1. Open an Existing File 2. Start from Scratch 3. Import File 4. Open Sample File Thanks, Patrick P.S. Sorry for the initial incomplete email. Hit send accidentally. --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Same day sort order
On Jan 2, 2009, at 9:47 PM, Kevin Hoctor wrote: Hi Sam, This is a problem with MoneyWell. I did some more testing before I remembered that I can't fix this without revising the database a bit so it will have to wait until version 1.5. Sorry for the inconvenience. This is my last annoyance in the UI because it's funny how often my bank clears them in the same order when I'm checking the web interface. It also helps my memory as I tend to remember in chronological order as well ( I enter my receipts that way ). I'll be the first to line up and test this for 1.5. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Suggested enhancement
On Jan 1, 2009, at 8:24 PM, Dan wrote: Yes. In the US at least, the difference between what you sell a home for and what you paid for it originally is taxed. The amount you originally paid for it is the starting basis. As you make improvements to the home, the cost of those improvements is added to the basis. When you sell the home, this revised basis is subtracted from the selling price. Example: In 2000, you buy the home for $100,000 In 2001, you have the driveway paved for $5,000. New basis for the house is $105,000. In 2009, you sell the house for $150,000. Taxes are due on $150,000-105,000 = $45,000. Expenses that do not increase the value of the real estate are not counted. For example, purchasing a new coffeepot has not impact. This is simply an accounting that must be done continually when you own a home. It has no impact on your income or your expenses (until you sell the home). To track it in MoneyWell, there would need to be something called basis, and a checkbox on each transaction that says Add to basis. Probably would reflect in a report somewhere. Dan Dan, Any chance you're an accountant? I only ask because I work with a whole group of CPAs and they are the only reason I know that I need to track improvements for basis purposes. The reason I generally don't is because I'm not sure I'll ever exceed the built in gain necessary to be taxed as I roll the proceeds forward into the next house. If I remember correctly, the exception is quite high and keeps rising. Sorry for the off-topic response, I was just curious. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Late in Month Pay Day
On Wed, Dec 31, 2008 at 12:14 PM, Karen kar...@gmail.com wrote: BTW, nice tip about clicking on the icon in the window title. Who knew?! On 31-Dec-08, at 1:53 PM, Kevin Hoctor wrote: Just an FYI, that works on any document in OS X ( or at least it should ). Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: Feature Request: Auto incrementing check numbers
On Wed, Dec 17, 2008 at 10:22 AM, Kevin Hoctor ke...@nothirst.com wrote: On Dec 17, 2008, at 9:35 AM, Patrick Burleson wrote: Something I enjoyed in other financial tracking applications was their auto-incrementing of the check numbers when entering a check. Actually, it was really max(check_number) + 1. Right now MW memorizes the check number?! If no auto-increment, then how about taking check number off the auto-memorization list? Patrick, This is on the request list. I never liked it much in Quicken because both Judy and I would write checks and the sequence was never clean. I guess this works if only one person controls the checkbook and only one sequence of numbers is active at a time. Yep, luckily for me we only have one account, so check numbers sequence is never in question. With regards to check features, it's funny to be dealing with the exact opposite in the U.K.. They don't have checking accounts and instead call them current accounts. Checks are considered very old fashioned and rarely used or seen, yet so many U.S. customers write lots of checks still and some even want MoneyWell to print checks. Personally, I've worked very hard to eliminate check writing in my life so I guess I lean towards the British in this respect. I'm down to 2 checks a month. One of them can never be anything other than a check. :-( I guess my biggest beef is check # being in the list of fields that's memorized with a transaction. I'd vote for excluding that field from memorization before worrying about auto-increment. Thanks, Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Feature Request: Auto incrementing check numbers
Something I enjoyed in other financial tracking applications was their auto-incrementing of the check numbers when entering a check. Actually, it was really max(check_number) + 1. Right now MW memorizes the check number?! If no auto-increment, then how about taking check number off the auto-memorization list? Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: How would you Bucketorize the following?
On Mon, Dec 15, 2008 at 1:52 PM, mikemc mikemck...@gmail.com wrote: I use the term bucketorize since I am a current Quicken user looking to change my mode of thinking from categories to buckets. I have a few situations where I am trying to find the best way to set up in Moneywell. Any help would be appreciated. How do/would people bucketorize the following transactions: 1. FI fees (overdraft, atm fee, etc...) I no longer incur these since I'm better with my money, but curious I have a bucket called Bank Fees. I plop about $10 there a month to cover my known monthly checking fee and any ATM fees I might incur. I move and excess at the end of the month back to my main income bucket. 2. Jewelry Insurance? I use Automobile for Car Insurance, MedicalDental for Life Insurance, and my Home Insurance is rolled up in my Mortage under Housing. Where would insurance on wedding rings/bands go? I file all my insurance allocation needs under an Insurance buckets with one exception, my mortgage payment includes this, so I just get that from the Mortgage bucket. 3. Stamps and other postage? I know Kevin will cringe, but I have a Misc bucket I put stuff like that in. Very random, I don't have a spending plan for it. I just make manual money flows when I need to cover an expense there. I have the following buckets set up: Automobile Cable/Internet Charity Clothing Daycare Eating Out Electric Entertainment Garbage/Recycling Gas/Heating Gifts Groceries Housing Medical/Dental Memberships/Subscriptions Personal Care Phones Retirement Savings Taxes Vacation Travel Water/Sewer That's pretty close to my bucket list. I have few more, but mostly they are for tracking something specific I'm saving for. I hope that helps. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: does Moneywell connect directly with TD Bank and Ing Direct?
On Thu, Dec 11, 2008 at 1:40 PM, Robert d...@ddjackson.com wrote: So you're saying that a reason that a version of this direct download functionality DOES exist with my PC copy of Microsoft Money for my two banks is that Microsoft's program has a proprietary format they and these banks are able to use that is different from the OFX format Moneywell relies upon? (just want to make sure I'm clear). I take it, then, that there's no incentive for Ing Direct and TD Bank to offer OFX in the future if things already work for the majority of users the other method? :-( - Robert I think what Kevin is trying to say is Microsoft pays a team of programmers to have Money fake visiting the site and getting their QIF file downloads that you could do manually. You need a team for every time a bank changes their website layout and your code breaks. OFX is much more convenient for developers because it provides a documented API and direct way to communicate with the bank. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com To unsubscribe from this group, send email to no-thirst-software+unsubscr...@googlegroups.com For more options, visit this group at http://groups.google.com/group/no-thirst-software?hl=en -~--~~~~--~~--~--~---
[No Thirst Software] Re: I missed a month allocating income
On Dec 6, 2008, at 2:13 PM, Kevin Hoctor wrote: Blair, You don't have to do that, just filter to that month on the graph. Is that a new feature of 1.4? Very nice. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com 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 -~--~~~~--~~--~--~---
[No Thirst Software] Re: New Moneywell convert
On Mon, Dec 1, 2008 at 4:11 PM, Alexandre Telles [EMAIL PROTECTED] wrote: - How about a balance columnin the transaction register on the right hand side? My bank registers have that and it would make it a snap to find exactly where a register goes out of balance. Somebody on the forum suggested some sort of mark to show each point where you know it was balanced, but I think a balance column is simpler and more effective. Please add the Balance Column! I just started using MoneyWell and I was liking it very much, but without the balance column it will be terrible to reconcile my banks statements! I might even have to go back to iBank because of it Have you noticed the reconciled balance at the bottom? My daily balance never matches the bank, but I use the reconciled balance to check. It's by day, meaning that if I click on 11/11, the reconciled balance is for transactions up to and including 11/11. Switching to 11/15 moves it to 11/15. I check that against the bank's website. for the end of that day. I initially didn't like not having the balance either, but I don't miss it now. All I care about is my current balance and my reconciled balance. Just my $.02. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com 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 -~--~~~~--~~--~--~---
[No Thirst Software] Re: Playing with Cha-Ching vs MoneyWell
On Mon, Dec 1, 2008 at 5:13 PM, Christopher Larson [EMAIL PROTECTED] wrote: Quick Personal Evaluation of Cha-Ching, particularly as opposed to MoneyWell: Disclaimer: only played with cha-ching for a little while this afternoon, while I've been using MoneyWell for weeks. Strengths: Address Book support for payees I don't guess I'd like this, as I wouldn't want every place I've ever had a transaction to be in my address book. The last time I tried Cha-Ching it didn't have scheduled transactions or a way to forecast my balance. Using MoneyWell, I find I don't need to forecast my balance so much as get my buckets in order and verify my spending plan. Since finding MoneyWell and the bucket/envelope system, I don't know how I could manage my finances with all the other apps like Cha-Ching, MoneyDance, iBank, etc. Thanks for the report on Cha-Ching. It does appear to have come a long way since I last looked at it. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com 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 -~--~~~~--~~--~--~---
[No Thirst Software] Re: Wow, nice work
On Fri, Nov 14, 2008 at 12:19 PM, Greg [EMAIL PROTECTED] wrote: Just thought I'd let you know, I tried 1.3 and thought it was clunky even though I really like the concept. Tried 1.4 and it fixed the 'clunky' feeling and I just love this product now. Hope you don't plan on changing your focus on simplicity with one screen anytime soon. It makes the product so awesome. Perhaps get some more reports in there for 1.5 or 2.0? What steps do you have left until releasing 1.4? - When will it be out - My demo expires soon :) I think you can go ahead and buy...1.4 should be a free update. Although I guess I'm assuming that. Am I speaking the truth Kevin? Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com 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 -~--~~~~--~~--~--~---
[No Thirst Software] Re: Meaning of reconciled transaction
On Mon, Nov 10, 2008 at 10:32 AM, Bill Nalen [EMAIL PROTECTED] wrote: I don't plan on using the reconcile feature. I enter transactions as they occur and once in a while check that my MoneyWell checking account balance = my bank's web site balance (adjusted for the few outstanding checks that haven't cleared). At my bank I turned off paper statements so I don't ever look at another bank statement. My method produces the same results, i.e. does my local balance = what the bank thinks my balance is. I try to eliminate as many procedures as I can without losing any benefits. I'd caution that this method can give you a false sense of your balance. I watch my accounts like a hawk and I've been balanced to the penny since sometime in 2000. I got this way because I was using the fudge method of account balance where I knew the bank and I were close enough. That is, until I got a little low and started bouncing things. Now, I balance with my online bank website about once every other week. The things I've found while doing this are pretty amazing: Transactions using my debit card that never clear (happens at least once a year) Checks cashed for the wrong amount ( had a car payment underpaid by $60 ) Meals where I was charged an entire meal where most others paid cash ( the waiter pocketed the cash and charged it all to me ) I know lots of people don't balance to the penny so there's some fudge in the numbers, but I find that I really like knowing my exact balance and trace differences to specific transactions. Just my $.02 Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com 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 -~--~~~~--~~--~--~---
[No Thirst Software] Re: Self-employed and deliberate 'over-spending'
Susie, You an do a money flow from your income bucket to your lothing bucket by dragging you income bucket to you ckothib bucket. When you let go, MoneyWell will prompt for an amount. I do this all the time to move money around to change my spending amounts throughtout the month. You can also do this between expense buckets. I hope that helps. Patrick On Oct 28, 2008, at 2:55 AM, Susie [EMAIL PROTECTED] wrote: Hi Kevin I'm still loving Moneywell and it has turned my financial life around. However, I have one question. I'm self-employed with an erratic income. I followed the advice from your articles section and set up my spending plan according to the lowest amount of money I earn a month. This is going very well and since starting Moneywell I have happily built up reserves so I no longer panic about where money is coming from in the future. However, I'm not sure about how best to deal in Moneywell with deliberate over-spending. For example, I have enough money swilling around for future months, tax, etc, that I would like to treat myself to a new coat. Say this will be £100. How do I input that spending into my Moneywell clothing bucket without it a) messing up my spending plan allocations and b) being carried over as a negative rollover? I'm sure there is a simply answer to this, but I'm getting very confused! Thanks in advance for any advice. Susie --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com 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 -~--~~~~--~~--~--~---
[No Thirst Software] Re: How to handle salary before month end?
On Sun, Oct 26, 2008 at 3:14 PM, Steve [EMAIL PROTECTED] wrote: I have slight problem in understanding I think. I'm living in Switzerland and I usually get my salary some days before month end (say around 24th or 25th of the month). Then here we usually have to pay stuff like rent on the 1st of the month. Plus I have other bills I'd like to pay close to the end of the month, but they should count towards the next month (hope you understand what I mean). What would be the best way to handle this? Just pay it say on the 26th and let it roll over or what? Or can I specify on which date MoneyWell switches the month? Looking forward to 1.4 by the way! :) Hi Steve, Kevin can confirm this more, but the 1.4 release is scheduled to include functionality to move the date for being able to allocate. Several of us have requested this feature in the past and it looks like 1.4 is going to have it! Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com 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 -~--~~~~--~~--~--~---
[No Thirst Software] Re: Starting - electronic payments
On Tue, Oct 14, 2008 at 3:34 PM, Denise Leonard [EMAIL PROTECTED] wrote: I hadn't thought about using the 'pending' status that way. Do you have to click on each transaction and change the status? Is there a way to highlight all pending and make them open? All my pending transactions come from scheduled transactions, and yes, I mark them all open manually, usually when I'm paying bills ( I do this twice a month, so I have them clustered on those days, not their actual due dates ). Are you getting pending transactions another way? I think in 1.4 ( currently in beta ), Kevin has added a keyboard shortcut for open as Cmd-Shift-O. Or I could be remembering that wrong. Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com 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 -~--~~~~--~~--~--~---
[No Thirst Software] Re: Starting - electronic payments
On Tue, Oct 14, 2008 at 3:50 PM, Denise Leonard [EMAIL PROTECTED] wrote: I went to view, scheduled transactions. highlighted the top 3 and right clicked. Nothing happened. I clicked on the transaction detail and Money Well quit. I got an error message saying 'the application MoneyWell quit unexpectedly On Oct 14, 2008, at 4:41 PM, Kevin Hoctor wrote: You'll want to make the selection in the normal view ( I don't have my Mac here so I don't remember what it's called ). Click the transactions there and then right-click. As for crashing when you click in the detail on the scheduled transactions view, I'll leave that to Kevin. :-) Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com 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 -~--~~~~--~~--~--~---
[No Thirst Software] Re: Allocate money from one Paycheck to multiple accounts?
On Thu, Sep 18, 2008 at 10:13 AM, Jeremy [EMAIL PROTECTED] wrote: My question is: how do I set this up in MoneyDance I'm hoping you meant MoneyWell. :-) Here's the caveat: I do not want to fake the software by depositing all income into one account and then transferring it to the others. While that might work in the software, it does not truly mimic the flow of the money and will create inconsistencies when I try to reconcile with the bank. My suggestion would be to create your different accounts, and then schedule a deposit for each for the amount they typically receive. This way, it will match your bank. Then you can allocate income from specific accounts using the Allocate Income dialog. Will that provide the solution you're looking for? Or am I oversimplifying? Patrick --~--~-~--~~~---~--~~ 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 no-thirst-software@googlegroups.com 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 -~--~~~~--~~--~--~---
