envelope budgeting example
| ; An example of YNAB-ish envelope budgetting with hledger/ledger | |
| ; cf https://github.com/simonmichael/hledger/issues/315 | |
| ; Using accounts like the following: | |
| ; | |
| ; assets | |
| ; business | |
| ; bank | |
| ; wf | |
| ; bchecking | |
| ; available | |
| ; month | |
| ; autosave | |
| ; banking | |
| ; books | |
| ; dues | |
| ; equipment | |
| ; online | |
| ; research | |
| ; software | |
| ; supplies | |
| ; year | |
| ; conferences | |
| ; education | |
| ; legal/accounting | |
| ; personal | |
| ; bank | |
| ; wf | |
| ; checking | |
| ; available | |
| ; month | |
| ; autosave | |
| ; clothing | |
| ; food | |
| ; gifts | |
| ; health | |
| ; home | |
| ; personal care | |
| ; phone | |
| ; recreation | |
| ; spiritual | |
| ; transport | |
| ; year | |
| ; vacation | |
| ; savings | |
| ; reserve | |
| ; expenses | |
| ; business | |
| ; books/periodicals | |
| ; online | |
| ; hosting | |
| ; personal | |
| ; food | |
| ; dining | |
| ; snacks | |
| ; gifts | |
| 2016/1/1 * set up some balances for this example | |
| (assets:business:bank:wf:bchecking:month:books) $-9.42 | |
| (assets:business:bank:wf:bchecking:available) $500 | |
| (assets:personal:bank:wf:checking:month:food) $-24.28 | |
| (assets:personal:bank:wf:checking:month:gifts) $-16.30 | |
| (assets:personal:bank:wf:checking:available) $2100 | |
| ; at the start of each month, zero out any overspending from last month: | |
| 2016/1/1 * refill negative budget envelopes (business) | |
| [assets:business:bank:wf:bchecking:month:books] $9.42 = $0 | |
| [assets:business:bank:wf:bchecking:available] $-9.42 | |
| 2016/1/1 * refill negative budget envelopes (personal) | |
| [assets:personal:bank:wf:checking:month:food] $24.28 = $0 | |
| [assets:personal:bank:wf:checking:month:gifts] $16.30 = $0 | |
| [assets:personal:bank:wf:checking:available] $-40.58 | |
| ; and transfer funds to various envelopes (books, etc.) for this month's | |
| ; spending, and longer-term saving goals: | |
| 2016/1/1 * budget for this month's business expenses | |
| [assets:business:bank:wf:bchecking:month:autosave] $100 | |
| [assets:business:bank:wf:bchecking:month:banking] 0 | |
| [assets:business:bank:wf:bchecking:month:books] $10 | |
| [assets:business:bank:wf:bchecking:month:dues] $10 | |
| [assets:business:bank:wf:bchecking:month:equipment] $40 | |
| [assets:business:bank:wf:bchecking:month:online] $70 | |
| [assets:business:bank:wf:bchecking:month:research] $20 | |
| [assets:business:bank:wf:bchecking:month:software] $20 | |
| [assets:business:bank:wf:bchecking:month:supplies] $10 | |
| [assets:business:bank:wf:bchecking:year:conferences] $20 | |
| [assets:business:bank:wf:bchecking:year:education] $10 | |
| [assets:business:bank:wf:bchecking:year:legal/accounting] $40 | |
| [assets:business:bank:wf:bchecking:available] $-350 | |
| 2016/1/1 * budget for this month's personal expenses | |
| [assets:personal:bank:wf:checking:month:autosave] $100 | |
| [assets:personal:bank:wf:checking:month:clothing] $30 | |
| [assets:personal:bank:wf:checking:month:food] $300 | |
| [assets:personal:bank:wf:checking:month:gifts] $30 | |
| [assets:personal:bank:wf:checking:month:health] $300 | |
| [assets:personal:bank:wf:checking:month:home] $1000 | |
| [assets:personal:bank:wf:checking:month:personal care] $20 | |
| [assets:personal:bank:wf:checking:month:phone] $80 | |
| [assets:personal:bank:wf:checking:month:recreation] $20 | |
| [assets:personal:bank:wf:checking:month:spiritual] $20 | |
| [assets:personal:bank:wf:checking:month:transport] $50 | |
| [assets:personal:bank:wf:checking:year:vacation] $50 | |
| [assets:personal:bank:wf:checking:available] $-2000 | |
| ; Update appropriate envelopes as transactions are made: | |
| 2016/1/1 * automatic savings transfer | |
| assets:business:bank:wf:bchecking:month:autosave | |
| assets:business:bank:wf:savings:reserve $100 | |
| 2016/1/1 * automatic savings transfer | |
| assets:personal:bank:wf:checking:month:autosave | |
| assets:personal:bank:wf:savings:reserve $100 | |
| 2016/1/2 * linode | |
| expenses:business:online:hosting $50 | |
| assets:business:bank:wf:bchecking:month:online | |
| 2016/1/3 * market | |
| expenses:personal:food:dining $10 | |
| expenses:personal:food:snacks $2 | |
| assets:personal:bank:wf:checking:month:food $-12 | |
| expenses:personal:gifts $3 | |
| assets:personal:bank:wf:checking:month:gifts $-3 | |
| 2016/1/4 * amazon open source everything | |
| ; a business purchase from personal account - use available | |
| expenses:business:books/periodicals $12.33 | |
| assets:personal:bank:wf:checking:available -$12.33 | |
| ; and adjust the appropriate business envelope | |
| [assets:business:bank:wf:bchecking:available] $12.33 | |
| [assets:business:bank:wf:bchecking:month:books] -$12.33 | |
| ; Check your envelope balances periodically: | |
| ; | |
| ; $ hledger bal checking: | |
| ; $2272.67 assets | |
| ; $340.58 business:bank:wf:bchecking | |
| ; $152.91 available | |
| ; $117.67 month | |
| ; $-2.33 books <- overspent already | |
| ; $10.00 dues | |
| ; $40.00 equipment | |
| ; $20.00 online | |
| ; $20.00 research | |
| ; $20.00 software | |
| ; $10.00 supplies | |
| ; $70.00 year | |
| ; $20.00 conferences | |
| ; $10.00 education | |
| ; $40.00 legal/accounting | |
| ; $1932.09 personal:bank:wf:checking | |
| ; $47.09 available | |
| ; $1835.00 month | |
| ; $30.00 clothing | |
| ; $288.00 food | |
| ; $27.00 gifts | |
| ; $300.00 health | |
| ; $1000.00 home | |
| ; $20.00 personal care | |
| ; $80.00 phone | |
| ; $20.00 recreation | |
| ; $20.00 spiritual | |
| ; $50.00 transport | |
| ; $50.00 year:vacation | |
| ; -------------------- | |
| ; $2272.67 | |
| ; | |
| ; $ hledger bal checking: --weekly --historical --drop 4 | |
| ; Ending balances (historical) in 2015/12/28-2016/01/10: | |
| ; | |
| ; || 2016/01/03 2016/01/10 | |
| ; =================================++========================= | |
| ; bchecking:available || $140.58 $152.91 | |
| ; bchecking:month:books || $10.00 $-2.33 | |
| ; bchecking:month:dues || $10.00 $10.00 | |
| ; bchecking:month:equipment || $40.00 $40.00 | |
| ; bchecking:month:online || $20.00 $20.00 | |
| ; bchecking:month:research || $20.00 $20.00 | |
| ; bchecking:month:software || $20.00 $20.00 | |
| ; bchecking:month:supplies || $10.00 $10.00 | |
| ; bchecking:year:conferences || $20.00 $20.00 | |
| ; bchecking:year:education || $10.00 $10.00 | |
| ; bchecking:year:legal/accounting || $40.00 $40.00 | |
| ; checking:available || $59.42 $47.09 | |
| ; checking:month:clothing || $30.00 $30.00 | |
| ; checking:month:food || $288.00 $288.00 | |
| ; checking:month:gifts || $27.00 $27.00 | |
| ; checking:month:health || $300.00 $300.00 | |
| ; checking:month:home || $1000.00 $1000.00 | |
| ; checking:month:personal care || $20.00 $20.00 | |
| ; checking:month:phone || $80.00 $80.00 | |
| ; checking:month:recreation || $20.00 $20.00 | |
| ; checking:month:spiritual || $20.00 $20.00 | |
| ; checking:month:transport || $50.00 $50.00 | |
| ; checking:year:vacation || $50.00 $50.00 | |
| ; ---------------------------------++------------------------- | |
| ; || $2285.00 $2272.67 | |
| ; | |
| ; or (good for reviewing transactions): | |
| ; | |
| ; $ hledger-ui checking: | |
| ; Try to keep spending envelopes above zero, and to | |
| ; avoid unplanned withdrawals from savings envelopes. |
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