On Tue, Jan 24, 2017 at 3:05 PM, Oon-Ee Ng <ngoonee.t...@gmail.com> wrote:
> I'm looking to estimate an annual/monthly budget, and the simplest way > I thought of to do that was to look at my annual expense reports (I > have data for almost a decade) to see trends (spending on books and > education related stuff is way up due to having young children, as are > spendings on food and insurance, while spending on eating out is down > slightly). > > There's some pretty big holes in the data I'm looking at though, and > it's primarily because of debt. I'm paying off a housing loan monthly > (to the tune of a quarter of take-home pay, to get it done quickly), > and that does not show up in expense reports (the only thing that > shows there is interest accrued, which isn't much compared to the > amount I'm actually paying). > > Obviously, the reason is because paying off a housing loan is (as I > model it) a transaction between my cash-in-hand/banking assets and the > large liability account called "HousingLoan". I *think* this is > standard accounting. > > However that means that my annual/monthly budget, if only based on > expenses data, will miss this amount, and really I'm primarily > interested in balancing my cashflow rather than expenses. That is to > say, if I take home X amount, my cash outflow should be less than X. > If my monthly housing loan payments are Y, that means I need to budget > against X-Y rather than X itself. > > Is there a way to generate reports on cashflow? No. At least I never implemented one. > Probably just > 'everything that flows out of assets' would suffice at this point? > I'm not sure. -- You received this message because you are subscribed to the Google Groups "Beancount" group. To unsubscribe from this group and stop receiving emails from it, send an email to beancount+unsubscr...@googlegroups.com. To post to this group, send email to beancount@googlegroups.com. To view this discussion on the web visit https://groups.google.com/d/msgid/beancount/CAK21%2BhOYtsMZmd7FkOkoubDtHZPKB_CfcDQjSP8-nOqh68Go5w%40mail.gmail.com. For more options, visit https://groups.google.com/d/optout.
