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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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