>I wasn't quite clear if this is 'virtual' earmarking of funds or
>real-world separate accounts. (like a savings account, or as with some
>checking accounts, a special designation amount)

>If this is just for your informational purposes to see how much you've
>set aside, (but the money doesn't *yet* leave the physical checking
>account) then create a sub-account of checking and do a transfer between
>the parent and sub.
I thank you all for your suggestions, and this sounds like the simplest. These 
are indeed "virtual" accounts; the only problem is that they include funds from 
both my checking & savings "real-world" accounts. Maybe I could set them all up 
under savings and show a 'virtual deficit' which would represent funds that are 
actually in checking?
I tried making sub-accounts under the Equity>Opening Balance and entering 
initial amounts for my virtual accounts backwards so they would show up as 
negatives (part of the opening balance), but of course I could not write a 
check and credit the amount to both checking (asset) and a virtual account, so 
that did not work.
I miss my old (ancient) program, where I could set up equity accounts as 
"funds", allowing me to post to them as I would income or expense accounts.
How do others use Equity sub-accounts? Do they have to correspond to a 
"real-world" account?
Thanks-- mgk
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