[No Thirst Software] Re: Car Loan
Budget your minimum payment including interest (the $200). You can still pay more, but it will need to come from your surplus. The idea with MoneyWell is to let you control expenses and show you where you are (sorry if that is slightly off Kevin). You can always spend more, but you will need to steal from Peter to pay Paul and MoneyWell will let you. Here is how. 1. Do your spending plan 2. Allocate income 3. Over spend in a bucket (over pay your loan) 4. Find a bucket that has extra allocation right now. 5. Flow money from that bucket into the over spent. Easiest way to so drag the source bucket to the destination bucket. 6. Indicate how much you are moving from bucket A to bucket B then hit add. Presto. Instant balancing of the flow. Hope that helps. Jaysen On Dec 23, 12:07 am, mhadja...@gmail.com mhadja...@gmail.com wrote: I was messing around with iBank and it seems to do what I want, however, I'm still willing to give MW a shot till the end of the week. What I want to know is my principle balance on the car. I don't need it down to the exact dollar, as this amount will change on a daily basis since that's how interest is calculated with this loan. However, I would like it to be more ballpark. So updating it once a month is sufficient. My starting balance is a -xx,xxx So what your saying is, when you make the payment, you move X dollars from your checking into your car loan bucket. Since I pay mine differently each month, I can't really budget for this, or can I? I have to make at least (eg, $350.00) - anything more goes towards principle like I said. So should I set my budget for 350, or should I make it lets say double this amount? Most likely I don't plan on making more than double payments. Then when you receive your next months statement, you update the interest and principle (doing a split transaction) ? I'll try that out as i'm doing something close to it, but mine seems to involve a few more steps. Mark On Dec 22, 11:41 pm, The Watkinson Family thewatkins...@mac.com wrote: Hi, Mark, I take a different approach to loans than the others that have responded. I like that MoneyWell helps me spend only the money that I have by allocating it to specific purposes. However, as your example demonstrates, finance software should do more than that. I refuse to keep two money softwares to track overall net worth as well as keep spending under control, and I have found that MoneyWell will actually do both. Consider the fact that both your interest payment as well as the principal payment are Car Loan expenses. Here's what I do. When I first pay the bill every month, I don't know how much I am paying towards interest and how much towards principal... I'm just paying the bill. I create this expense as a single transfer from my Checking account to my Car loan account. I put this transfer in the Car Loan bucket. Later, when I receive my loan statement, or look at it on-line, I can see how much of my payment was for interest and how much was for principal. I edit the original transaction, creating a split. I put Interest and Principal in the memo of the two split items. The Interest item should not be a transfer, but it should be assigned to the Car Loan bucket. Principal should be a transfer from Checking to Car loan, and it should also be assigned to your Car Loan bucket. This way, your Car loan account will show approximately what you owe on your car loan as far as the principal is concerned (of course this amount changes every day), and you will be able to track your spending with buckets, as well. Hope this helps. Please let me know if you need further detail. Grace to you, Blair On Dec 22, 2008, at 10:08 PM, mhadja...@gmail.com wrote: My monthly payment from the bank is lets say 200 bucks. Each month, I pay a different amount, sometimes 225, sometimes 250, sometimes even 300. Now any extra over the 200 goes towards principle. So I can't track a steady cash flow because depending on how much extra money I have left is what I put in towards the car payment. So my 60 month loan should be paid off within 48 months hopefully. Which makes having to do more work in MW to see my remaining loan balance as well as track cash flow. Mark On Dec 22, 9:59 am, Kevin Hoctor ke...@nothirst.com wrote: On Dec 21, 2008, at 7:01 PM, mhadja...@gmail.com wrote: Maybe i'm missing something, but my interest goes down each payment as I'm paying more towards principle. It also changes depending on how many days sooner my payment clears. The reason for tracking is to see how much money is leaving my checking account each month, as well as the remaining principle left to pay my auto loan. When I receive my statement, it tells me the prior months interest payment, which I tack on to the remaining auto loan
[No Thirst Software] Futur french user
Hello ! I'm french and I discover your sofware which corresponds apparently at all I need to manage my budget. Before buying it, I would like to know if this version will be translate in french soon, and if the update will be free, or if I should wait the new one. Today, in addition for my futures expenses, I use a saving account which is a sum of buckets (tax, insurance...), is this way of managing possible with Moneywell ? Each month, I allocate sums splitted in further buckets on 2 saving accounts, for example house insurance is payed once a year, then I immobilized the sum monthly until the term arrived. In case this way of managing is possible with Moneywell, can I conserve the actual state of my budget ? Thank you for your reply, and sorry for my poor english (you will understand what french translation is important for me...). Best regards. --~--~-~--~~~---~--~~ 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: Car Loan
Thank you! As long as moving money from bucket to bucket doesn't affect or 'change' my account flow (checking, savings, money market, cc's, loans, etc), then i'm fine. My checking account should reflect the same as my bank statement. Now onto reporting... I would like to know my income to debt ratios, which categories I spend more in, which buckets I don't hit my budget, etc.. Mark On Dec 23, 8:33 am, Jaysen letsw...@jaysenodell.com wrote: Budget your minimum payment including interest (the $200). You can still pay more, but it will need to come from your surplus. The idea with MoneyWell is to let you control expenses and show you where you are (sorry if that is slightly off Kevin). You can always spend more, but you will need to steal from Peter to pay Paul and MoneyWell will let you. Here is how. 1. Do your spending plan 2. Allocate income 3. Over spend in a bucket (over pay your loan) 4. Find a bucket that has extra allocation right now. 5. Flow money from that bucket into the over spent. Easiest way to so drag the source bucket to the destination bucket. 6. Indicate how much you are moving from bucket A to bucket B then hit add. Presto. Instant balancing of the flow. Hope that helps. Jaysen On Dec 23, 12:07 am, mhadja...@gmail.com mhadja...@gmail.com wrote: I was messing around with iBank and it seems to do what I want, however, I'm still willing to give MW a shot till the end of the week. What I want to know is my principle balance on the car. I don't need it down to the exact dollar, as this amount will change on a daily basis since that's how interest is calculated with this loan. However, I would like it to be more ballpark. So updating it once a month is sufficient. My starting balance is a -xx,xxx So what your saying is, when you make the payment, you move X dollars from your checking into your car loan bucket. Since I pay mine differently each month, I can't really budget for this, or can I? I have to make at least (eg, $350.00) - anything more goes towards principle like I said. So should I set my budget for 350, or should I make it lets say double this amount? Most likely I don't plan on making more than double payments. Then when you receive your next months statement, you update the interest and principle (doing a split transaction) ? I'll try that out as i'm doing something close to it, but mine seems to involve a few more steps. Mark On Dec 22, 11:41 pm, The Watkinson Family thewatkins...@mac.com wrote: Hi, Mark, I take a different approach to loans than the others that have responded. I like that MoneyWell helps me spend only the money that I have by allocating it to specific purposes. However, as your example demonstrates, finance software should do more than that. I refuse to keep two money softwares to track overall net worth as well as keep spending under control, and I have found that MoneyWell will actually do both. Consider the fact that both your interest payment as well as the principal payment are Car Loan expenses. Here's what I do. When I first pay the bill every month, I don't know how much I am paying towards interest and how much towards principal... I'm just paying the bill. I create this expense as a single transfer from my Checking account to my Car loan account. I put this transfer in the Car Loan bucket. Later, when I receive my loan statement, or look at it on-line, I can see how much of my payment was for interest and how much was for principal. I edit the original transaction, creating a split. I put Interest and Principal in the memo of the two split items. The Interest item should not be a transfer, but it should be assigned to the Car Loan bucket. Principal should be a transfer from Checking to Car loan, and it should also be assigned to your Car Loan bucket. This way, your Car loan account will show approximately what you owe on your car loan as far as the principal is concerned (of course this amount changes every day), and you will be able to track your spending with buckets, as well. Hope this helps. Please let me know if you need further detail. Grace to you, Blair On Dec 22, 2008, at 10:08 PM, mhadja...@gmail.com wrote: My monthly payment from the bank is lets say 200 bucks. Each month, I pay a different amount, sometimes 225, sometimes 250, sometimes even 300. Now any extra over the 200 goes towards principle. So I can't track a steady cash flow because depending on how much extra money I have left is what I put in towards the car payment. So my 60 month loan should be paid off within 48 months hopefully. Which makes having to do more work in MW to see my remaining loan balance as well as track cash flow. Mark On Dec 22, 9:59 am, Kevin Hoctor ke...@nothirst.com wrote: On Dec
[No Thirst Software] Re: Futur french user
On Dec 23, 2008, at 10:33 AM, Seb33 wrote: I'm french and I discover your sofware which corresponds apparently at all I need to manage my budget. Before buying it, I would like to know if this version will be translate in french soon, and if the update will be free, or if I should wait the new one. Hello, We are working to get a French version out and it will be free to 1.4 customers. I don't have a date for delivery of this localized version though. The price is going up at the end of this month though so if you are interested in MoneyWell, now's a good time to buy. Today, in addition for my futures expenses, I use a saving account which is a sum of buckets (tax, insurance...), is this way of managing possible with Moneywell ? Each month, I allocate sums splitted in further buckets on 2 saving accounts, for example house insurance is payed once a year, then I immobilized the sum monthly until the term arrived. In case this way of managing is possible with Moneywell, can I conserve the actual state of my budget ? Thank you for your reply, and sorry for my poor english (you will understand what french translation is important for me...). MoneyWell is very flexible and allows you to do all the basic account management for several different accounts and also to manage your spending using the bucket layer. If you have an insurance payment that you pay once a year, you can tell MoneyWell to set aside money monthly for it or you can have it allocate it all in one or more months. It's up to you. Peace, Kevin Hoctor ke...@nothirst.com No Thirst Software LLC http://nothirst.com http://kevinhoctor.blogspot.com --~--~-~--~~~---~--~~ 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: Car Loan
On Dec 23, 2008, at 10:36 AM, mhadja...@gmail.com wrote: As long as moving money from bucket to bucket doesn't affect or 'change' my account flow (checking, savings, money market, cc's, loans, etc), then i'm fine. My checking account should reflect the same as my bank statement. Mark, You can think of the buckets as being a layer above the register level where you balance to your bank statements. Now onto reporting... I would like to know my income to debt ratios, which categories I spend more in, which buckets I don't hit my budget, etc.. More reports and graphs will appear with the 2.0 release. Please send any desired reports layouts to ke...@nothirst.com. I'm working on a list of prioritized formats. Thanks. Peace, Kevin Hoctor ke...@nothirst.com No Thirst Software LLC http://nothirst.com http://kevinhoctor.blogspot.com --~--~-~--~~~---~--~~ 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] video tutorials missing?
I just attempted to check out the new 1.4 tutorial and it won't play for me. I just get a question mark over top of the quicktime Q. Is it working for others (and I should check my network/browsers/etc)? Thanks, Rick Reynolds -- Hey, this is the government. You just can't expect five 9s -- Chief Justice, on the Gore/Bush election's narrow margin --~--~-~--~~~---~--~~ 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: Savings
On Dec 23, 2008, at 12:05 PM, Chris Larson wrote: I'm curious about the way people go about handling their savings in MoneyWell. I'm thinking one could either let the money build up in a bucket, or they could allocate income for what they plan on saving that month to it, but then spend it when moving it into the savings account, leaving the bucket balance at 0 at the end of the month. I've been taking the latter route lately, just because it can be a pain dealing with the former if it ever becomes desynced with the actual contents of the savings account(s). What method do people prefer, generally? The problem I see with spending the savings when moving it into the account, is trying to remember which accounts have money which is available to spend in the bucket balances, and which are spent and need to become income again if you want to spend it. Hi Chris, The way I do savings is to create a Savings bucket and set a planned amount each month to be allocated to it. Then when I transfer money from checking to savings, I assign the outgoing transaction to my Savings bucket. This keeps the bucket balance at zero. This is simply a way to make sure I set aside money for savings and not a way to report on my savings, but it does that as well. Peace, Kevin Hoctor ke...@nothirst.com No Thirst Software LLC http://nothirst.com http://kevinhoctor.blogspot.com --~--~-~--~~~---~--~~ 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: Futur french user
Yep. That was it. Figured now that I have this nifty budget enforcement tool I should budget for the upgrade. For the record, I would have been worried if it was free. Now all we need is the timeline and price plan for each … Thanks. Jaysen On Dec 23, 1:02 pm, Kevin Hoctor ke...@nothirst.com wrote: On Dec 23, 2008, at 11:47 AM, Jaysen wrote: You have mentioned 2.0 a couple of times, and while I know this question is a bit premature, I was wondering if you were looking at tiered pricing. Jaysen, Tiered pricing? If you mean pricing for MoneyWell updates, I just posted a blog entry about that topic: http://kevinhoctor.blogspot.com/2008/12/free-or-fee.html Peace, Kevin Hoctor ke...@nothirst.com No Thirst Software LLChttp://nothirst.comhttp://kevinhoctor.blogspot.com --~--~-~--~~~---~--~~ 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: Savings
On 23 déc. 08, at 19:05, Chris Larson wrote: I'm curious about the way people go about handling their savings in MoneyWell. I wrote about this a while back on my blog: http://alan.petitepomme.net/blog/2008/04/tracking-savings-in-moneywell.html where I compare the savings as expense approach (which is the one Kevin uses) and the savings as money flow which I prefer (as I can see how much I have saved independently of where the money is). Alan PGP.sig Description: This is a digitally signed message part
[No Thirst Software] Re: Futur french user
Now, see what you've done, Kevin! ;-) --~--~-~--~~~---~--~~ 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] Sort bucket
Is it possible to sort bucket in alphabetical order ? Indeed, when I import my account, Moneywell creates for each categories a bucket, but I can't find the way to sort all this bucket by alphabetical order. Thanks for your reply. In addition, I want to know if Moneywell manages many levels of bucket, for example I want to allocate 150€ for leisure and this bucket will concerne cinema, photo, ... in my transactions. Seb. --~--~-~--~~~---~--~~ 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: curious how others work with Moneywell when two (such as a married couple) are involved
We keep it simple. We keep cash for regular spending items (groceries, hair cuts, lunches, etc.) according to the monthly spending plan. Bills are auto-drafted. Anything unusual (car repairs, doctor visit, etc.) goes on the debit card or gets a check for the one checking account. I encourage receipt accumulation, but Since my wife has no desire to do any of the details, I just share with her the state of the union every month or so. Day-to-day items are all cash, so we can't overspend. When I reconcile, I ask about any cryptic transactions. I think the simpler, the better. --~--~-~--~~~---~--~~ 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 blog post: Free or Fee?
Kevin, this is absolutely GREAT. Thank you for the insight into the development process from a commercial point of view. What a wonderfully customer orientated outlook. With this approach I would probably purchase Moneywell even if I didn't have a bank account :) To be serious, I recently purchased Bento Database v1. Two weeks later they released version 2. I was not informed of the upgrade and it was only through Googling that I found how to get a free upgrade; only available to purchasers within 4 weeks of the upgrade. But kept VERY quiet. Over the past twenty years I have spent a lot of money on shareware and also donated to freeware projects such as NeoOffice but it is a fraction of the amount I would have spent if all software were controlled by 2 or 3 big corporations. Long live (and support) independant software devs. Just my 5p worth John On Tue, Dec 23, 2008 at 6:02 PM, Kevin Hoctor ke...@nothirst.com wrote: FYI, I posted a new blog entry regarding my opinion about charging for updates (if anyone is interested): http://kevinhoctor.blogspot.com/2008/12/free-or-fee.html Peace, Kevin Hoctor ke...@nothirst.com No Thirst Software LLC http://nothirst.com http://kevinhoctor.blogspot.com --~--~-~--~~~---~--~~ 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] Initializing bucket
I'm new on Moneywell but I use before envelope budgeting. Then in addition to import my transactions with QIF format, I had to initialize all buckets with existing savings. For example, I have an account saving and I want to dispatch the balance of this account over some buckets, how can I do this (ex : account x 2000€ == 1000€ car, 200€ insurance, 400€ leisure, 400€ home) ? And every month, when I transfer money on the saving account, I think I had to split the transaction in order to fill the bucket ? Thanks. Seb. --~--~-~--~~~---~--~~ 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: Sort bucket
On Dec 23, 2008, at 2:49 PM, Seb33 wrote: Is it possible to sort bucket in alphabetical order ? Indeed, when I import my account, Moneywell creates for each categories a bucket, but I can't find the way to sort all this bucket by alphabetical order. Thanks for your reply. Hi Seb, By default, the buckets should be sorted alphabetically when you import them. You can then drag and drop them in any order you'd like. MoneyWell will have an option to reorder them alphabetically at any time in a future update. In addition, I want to know if Moneywell manages many levels of bucket, for example I want to allocate 150€ for leisure and this bucket will concerne cinema, photo, ... in my transactions. I chose not to allow buckets to contain buckets because there is a problem where money is hidden in the layers of hierarchal buckets. Future versions of MoneyWell will have tags to allow you to report on more detailed breaks though. Peace, Kevin Hoctor ke...@nothirst.com No Thirst Software LLC http://nothirst.com http://kevinhoctor.blogspot.com --~--~-~--~~~---~--~~ 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: Resort buckets alphabetically
On Dec 23, 2008, at 2:57 PM, Patrick Burleson wrote: I love that I can now reorder my buckets by dragging them around, but sometimes I'd like to resort them back alphabetically. An alpha sort option is coming. :) Peace, Kevin Hoctor ke...@nothirst.com No Thirst Software LLC http://nothirst.com http://kevinhoctor.blogspot.com --~--~-~--~~~---~--~~ 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: Futur french user
On Dec 23, 2008, at 1:57 PM, karenv wrote: Now, see what you've done, Kevin! ;-) What? What did I do?!?! :) Peace, Kevin Hoctor ke...@nothirst.com No Thirst Software LLC http://nothirst.com http://kevinhoctor.blogspot.com --~--~-~--~~~---~--~~ 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: Initializing bucket
On 23 déc, 22:38, Kevin Hoctor ke...@nothirst.com wrote: On Dec 23, 2008, at 3:22 PM, Seb33 wrote: I'm new on Moneywell but I use before envelope budgeting. Then in addition to import my transactions with QIF format, I had to initialize all buckets with existing savings. For example, I have an account saving and I want to dispatch the balance of this account over some buckets, how can I do this (ex : account x 2000€ == 1000€ car, 200€ insurance, 400€ leisure, 400€ home) ? And every month, when I transfer money on the saving account, I think I had to split the transaction in order to fill the bucket ? Hi Seb, No, you don't have to split deposit transactions to get them in all the buckets. When you have a deposit, simply assign it to one of your income buckets and then use Allocate Income to distribute it to your expense buckets. Check out our video tutorials for more information. Many of them need to be updated for 1.4 but the basic concepts are still the same. Peace, Kevin Hoctor No Thirst Software LLC Hi Kevin, Thank you for your quick reply for the econd party of my request. My first request : The first time I use Moneywell, if I want to split an imported account saving in order to initialize bucket, I had to modify all the transactions or Moneywell offers a better solution I can't find ? (ex : balance account saving = 2000€ == split 1000€ car, 200€ insurance, 400€ leisure, 400€ home). In fact, I want to keep my existing budget and begin Moneywell with good amount on every bucket, my saving account is a sum of buckets. I hope my description is clear (french sorry !). Thanks. Seb. --~--~-~--~~~---~--~~ 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] Quicken Windows QIF export and date error
i finally broke down and decided to make myself cry. So I exported a quicken (windows) account to a qif file and decided to run the import. I get the date format error. I tried a few iterations, but can't figure out the right combo. I was a little paranoid to just start using regex in the formant field not knowing what it might do. Here are the specs. qicken home business 2007 on XP qif files show date line as D1/ 2' 6 Representative entry: D1/ 2' 6 U-44.07 T-44.07 CX PHome Depot MJan 2 7:39 Pm #065070 THE HOME DEPOT 1264 VICTOR NY LHousehold:Repair Ideas? Jaysen --~--~-~--~~~---~--~~ 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: curious how others work with Moneywell when two (such as a married couple) are involved
Do you save receipts for cash purchases and then enter them in manually later? (just curious!) - Rob On Dec 23, 3:04 pm, Jim jlagron...@yahoo.com wrote: We keep it simple. We keep cash for regular spending items (groceries, hair cuts, lunches, etc.) according to the monthly spending plan. Bills are auto-drafted. Anything unusual (car repairs, doctor visit, etc.) goes on the debit card or gets a check for the one checking account. I encourage receipt accumulation, but Since my wife has no desire to do any of the details, I just share with her the state of the union every month or so. Day-to-day items are all cash, so we can't overspend. When I reconcile, I ask about any cryptic transactions. I think the simpler, the better. --~--~-~--~~~---~--~~ 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: Quicken Windows QIF export and date error
Tried the explicit for mac export. Same format. I sure hope this means that I can't import the old data. Then I won't have look at it at all over the next week. Jaysen On Dec 23, 5:06 pm, Jaysen letsw...@jaysenodell.com wrote: i finally broke down and decided to make myself cry. So I exported a quicken (windows) account to a qif file and decided to run the import. I get the date format error. I tried a few iterations, but can't figure out the right combo. I was a little paranoid to just start using regex in the formant field not knowing what it might do. Here are the specs. qicken home business 2007 on XP qif files show date line as D1/ 2' 6 Representative entry: D1/ 2' 6 U-44.07 T-44.07 CX PHome Depot MJan 2 7:39 Pm #065070 THE HOME DEPOT 1264 VICTOR NY LHousehold:Repair Ideas? Jaysen --~--~-~--~~~---~--~~ 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: Futur french user
You've made us such good budgeters (not a word?) that: Now all we need is the timeline and price plan for each.. You'll be having to supply that info so we can budget for it, Silly. ;-) Karen On Dec 23, 5:42 pm, Kevin Hoctor ke...@nothirst.com wrote: On Dec 23, 2008, at 1:57 PM, karenv wrote: Now, see what you've done, Kevin! ;-) What? What did I do?!?! :) Peace, Kevin Hoctor ke...@nothirst.com No Thirst Software LLChttp://nothirst.comhttp://kevinhoctor.blogspot.com --~--~-~--~~~---~--~~ 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: Quicken Windows QIF export and date error
I am not the sharpest knife in the block, but here is a quick hack. 1. Open a term window 2. cd to the qif file 3. type the following replace NAME with the name of your file perl -pe s/(D.*?)\'/\$i\// NAME.qif NAME-post.qif 4. Now import NAME-post.qif Problem solved. Well, not really. Now I have to actually look at all this stuff. Darn it! Jaysen On Dec 23, 5:12 pm, Jaysen letsw...@jaysenodell.com wrote: Tried the explicit for mac export. Same format. I sure hope this means that I can't import the old data. Then I won't have look at it at all over the next week. Jaysen On Dec 23, 5:06 pm, Jaysen letsw...@jaysenodell.com wrote: i finally broke down and decided to make myself cry. So I exported a quicken (windows) account to a qif file and decided to run the import. I get the date format error. I tried a few iterations, but can't figure out the right combo. I was a little paranoid to just start using regex in the formant field not knowing what it might do. Here are the specs. qicken home business 2007 on XP qif files show date line as D1/ 2' 6 Representative entry: D1/ 2' 6 U-44.07 T-44.07 CX PHome Depot MJan 2 7:39 Pm #065070 THE HOME DEPOT 1264 VICTOR NY LHousehold:Repair Ideas? Jaysen --~--~-~--~~~---~--~~ 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: Savings
Chris, Great question--I'm sure it will generate some discussion. I do both. I also take a different approach to my Savings account, as well, than that officially prescribed--I don't think it's important that the buckets by synced with their respective accounts. I explain why, considering the current relationship between Credit Cards, Checking, and Cash) Consider for a moment how your checking and credit card interact within MoneyWell--I'll assume you have a credit card with which you make many purchases that you pay off every month. The money spent or available in your buckets can normally be spent by either your credit card or your checking account. Where the money is actually located, or how it was spent, is transparent to you. If you spent $500 on groceries last month, as long as that was all that you had planned to spend, it makes little difference as to whether you used funds in your checking account or charged your credit card, or a combination, to make the purchase. When you stay below your planned amount, which is based on your income deposited into your checking account, you can be guaranteed that you'll have enough to pay off your credit card each month if you didn't spend more than you allowed in your buckets. You might add a Cash account to the above duet, making a triad of accounts that equally account for all the money in your buckets. Along with this, I add one Savings account. Therefore, in my setup, all the money that I have assigned to buckets can be found somewhere between Savings, Checking, Credit Card, or a Cash account. It matters very little to me where my grocery money is stored. If my checking account gets low, I can transfer funds from Savings to cover. My bank will also automatically draft my Savings account if I overdraw Checking for no charge. If I don't have enough money in Checking to pay my Credit card, I'll move that money from Savings to Checking first. In this way, I treat Savings as a bucket and allow it to accumulate over time. I don't have to worry about spending it and moving it when I transfer money to/from Savings. I know approximately how much money I need in Checking every month to cover immediate bills, and then I move the rest to Savings. On the other hand, I treat long-term investments differently. For these accounts, I include the amount I intend to invest in my Spending Plan. Each month, I spend money from the Investments bucket as a transfer from Checking (but it could also be from Savings, or Cash, or, if allowed, Credit Card) to my Investment account, which I also have in my MoneyWell document. Some have suggested tying buckets to accounts (so that you could allocate different kinds of Savings within your Savings account), but to me this unnecessarily complicates the document, and I would not use such a feature it were made available. We don't use this approach when it comes to the interaction between Checking, Credit and Cash. Furthermore, having a fluid relationship between Savings and Checking provides a great way to earn interest income. Consider the $600 insurance payment that is due at the end of the month and you get paid at the beginning of each month. Suppose your Savings account earns APY 5%. If you kept this $600 in Checking in order to pay the bill, you'd lose $36 per year. Instead, if you took short-term bills like this and moved them to Savings, then back to checking for the payment, you can earn interest on your money. Another example is your credit card payment with its 30-day grace period. Suppose you have $2000 of credit card charges throughout a month. Since you have 30-days to pay for these charges before incurring a Finance Charge, the money that you'll use to pay your credit card every month can sit in Savings for the month until you need to pay your bill, yielding as much as $100. Hope this makes sense. Blair On Dec 23, 2008, at 12:05 PM, Chris Larson wrote: I'm curious about the way people go about handling their savings in MoneyWell. I'm thinking one could either let the money build up in a bucket, or they could allocate income for what they plan on saving that month to it, but then spend it when moving it into the savings account, leaving the bucket balance at 0 at the end of the month. I've been taking the latter route lately, just because it can be a pain dealing with the former if it ever becomes desynced with the actual contents of the savings account(s). What method do people prefer, generally? The problem I see with spending the savings when moving it into the account, is trying to remember which accounts have money which is available to spend in the bucket balances, and which are spent and need to become income again if you want to spend it. -- Chris Larson clarson at kergoth dot com clarson at mvista dot com Founder - BitBake, OpenEmbedded, OpenZaurus Maintainer
[No Thirst Software] Re: Initializing bucket
On 24 déc, 03:41, The Watkinson Family thewatkins...@mac.com wrote: Seb, I think that the easiest way to do this would be with manual Money Flows. Imagine that you have $2000 in an Income bucket (perhaps from an initial deposit or initial rollover). Now, if you need to split that amount between other buckets to account for amounts that you have currently saved, just drag the Income bucket on top of the target bucket (for instance, Car), a menu will appear allowing you to select how much you would like to move from one bucket to the other. In this way, you can initialize all your buckets. Blair Thank your Blair for your reply, I will try it. I wish you and other users forum a merry christmas. Seb. --~--~-~--~~~---~--~~ 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 -~--~~~~--~~--~--~---
