How to deal with the cash flow and the credit card.

[Explorare]

Just a stupid question:

I have three credit cards which have different bill date. So how to know the
amount of cash I have on a specific date? Is there a tool to calculate this?
I didn't find a place to set the bill date and the repayment date. 

Sorry for my poor English :P



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Re: How to deal with the cash flow and the credit card.

[Bram Mertens]

Hi,

What is the amount you are looking for?
Personally I don't see the link between the liability of charges you've
made on the different credit cards and "cash in wallet".

Do you want to know how much you can still spend using all your credit
cards? AFAIK the maximum credit for a specific card is not stored in
GnuCash but perhaps some logic in a report could give you this.

Every purchase (charge) you make with a card is recorded as a liability
(something you need to pay later).
If you've set up all cards as sub accounts of liability:credit Card or some
other parent account that parent account would show the total you need to
pay but it would not take into account the different days you need to pay
those.
Also if a period is closed but you haven't paid the bill yet and you have
already made another payment with that card Gnucash would show you the
total and doesn't know how to split it up into different periods.

No need to apologize for your English just provide a bit more details on
what you are looking for.

Regards

Bram

On Sun, Sep 24, 2017 at 5:23 PM Explorare  wrote:

> Just a stupid question:
>
> I have three credit cards which have different bill date. So how to know
> the
> amount of cash I have on a specific date? Is there a tool to calculate
> this?
> I didn't find a place to set the bill date and the repayment date.
>
> Sorry for my poor English :P
>
>
>
> --
> Sent from: http://gnucash.1415818.n4.nabble.com/GnuCash-User-f1415819.html
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can not input transactions

[Chris Tsuji]

   Hi
   gnu 2.6.16
   Mac OS 10.12.6

   Have not done anything with the program in the last 2 months.
   Worked find about 2 weeks ago.
   Can not input transactions.  In fact, can not go to the line to input
   anything.
   Cursor does not move.

   What happened?
   Thanks
   Chris
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Re: can not input transactions

[John Ralls]

> On Sep 24, 2017, at 10:36 AM, Chris Tsuji  wrote:
> 
>   Hi
>   gnu 2.6.16
>   Mac OS 10.12.6
> 
>   Have not done anything with the program in the last 2 months.
>   Worked find about 2 weeks ago.
>   Can not input transactions.  In fact, can not go to the line to input
>   anything.
>   Cursor does not move.
> 
>   What happened?

Sounds like GnuCash is hung. If you control-click on the GnuCash icon in the 
dock does it say "Gnucash (Not Responding)"?
If so, force-quit and restart GnuCash. Sometimes when you force-quit MacOS will 
make a bug report for you. If it does, attach (don't copy-and-paste, they're 
too long) it to a reply.

Regards,
John Ralls


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Re: How to deal with the cash flow and the credit card.

[Aaron Laws]

On Sun, Sep 24, 2017 at 11:12 AM, Explorare  wrote:

> Just a stupid question:
>
> I have three credit cards which have different bill date. So how to know
> the
> amount of cash I have on a specific date? Is there a tool to calculate
> this?
> I didn't find a place to set the bill date and the repayment date.
>
> Sorry for my poor English :P


Are you wanting to know your current assets minus your current liabilities
to know how much "money" you have on hand? For this, you'll take your
chequing account balance and subtract all your credit card balances, right?
I use the "Net Worth Line Chart" for this purpose, and only select the
current assets and liabilities (chequing, cash, etc, and credit cards,
etc.).
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Announcement: GnuCash 2.6.18 Release 2017-09-24

[John Ralls]

GnuCash 2.6.18 released

The GnuCash development team announces GnuCash 2.6.18, the seventeenth 
maintenance release in the 2.6-stable series.
Changes

Between 2.6.17 and 2.6.18, the following bugfixes were accomplished:

Bug 644898 - Calendar of upcoming SXes has various display issues.
Bug 647805 - Interdependent report options fail to change state after using 
apply for a limited number of times.
Bug 771246 - Set Invoice/Bill items date correctly from imported CSV.
Bug 784284 - unifying "Clear the entry." tooltip on Loan Repayment 
Calculator.
Bug 787479 - Persian currency symbol is doubled.

Some other fixes not associated with reported bugs:

Added Catalan Accounts for the New Account Assistant
Fixed errors from loading init.py.
Run the python bindings tests in a CMake build.
Implement dist, distcheck, and uninstall targets for CMake build.

Translation Updates: Farsi, German, Japanese, Latvian, Serbian, Spanish
Important update notification

If you are updating from gnucash 2.6.0-2.6.4 on linux, you are advised to 
remove the guile user cache or several parts of gnucash may fail to work 
properly. This user cache can be found in .cache/guile/ccache/2.0-LE-8-2.0/ in 
your home directory. It's safe to remove the whole contents of this directory.

Note .cache is a hidden folder in your home directory. You may have to change 
your file manager's settings in order to view hidden files and folders.
Documentation

Concurrent with the release of Gnucash 2.6.18 we're pleased to also release a 
new version 2.6.18 of the companion Help and Tutorial and Concepts Guide.

The Italian Help translation, which uniquely uses a PO file, is frozen at 
commit 78cfa76 because of lack of a translator to maintain it.
Bug 120940 - Document how automatic decimal points work.
Begin a Russian translation of the Guide by Dimitry Mangul.
Some spelling corrections in the German Guide.

Getting GnuCash for Windows and MacOS X

GnuCash is provided for both Microsoft Windows XP® and later and MacOS X 10.5 
(Leopard)® and later in pre-built, all-in-one packages. An installer is 
provided for Microsoft Windows® while the MacOS X® package is a disk image 
containing a drag-and-drop application bundle.

The SHA256 Hashes for the downloadable files are:

db965f39b6c5181810a064a1d1f5bb719722ac3b54dfce0cecf43ee7b38e593c  
gnucash-2.6.18.tar.bz2
4fa7b851b854f8b07e9fd5662374cea25658c207deaf4812884731892899ef20  
gnucash-2.6.18.tar.gz
ba57a15d4b89dc7a6b447569e4214f96cc545c9dd3124e859e76890699f68550  
gnucash-2.6.18.setup.exe
f60238bc7bced79bc50e223ba0d4047d3235e71a7f815a375745242977ecfdeb  
Gnucash-Intel-2.6.18-1.dmg
1d41e4e9d818a66a166ae6def9a9ac7add42da148d3a6c058b12d79701497416  
Gnucash-PPC-2.6.18-1.dmg
84c79c333937ccfdcc0b94f9eec78b707e27043402560c3fbc85a3eefa211c56  
gnucash-docs-2.6.18.tar.gz

SourceForge:
Win32: 
http://downloads.sourceforge.net/sourceforge/gnucash/gnucash-2.6.18-1.setup.exe
Intel: 
http://downloads.sourceforge.net/sourceforge/gnucash/Gnucash-Intel-2.6.18-1.dmg
PPC: 
http://downloads.sourceforge.net/sourceforge/gnucash/Gnucash-PPC-2.6.18-1.dmg
Github
Win32: 
https://github.com/Gnucash/gnucash/releases/download/2.6.18/gnucash-2.6.18-1.setup.exe
Intel: 
https://github.com/Gnucash/gnucash/releases/download/2.6.18/Gnucash-Intel-2.6.18-1.dmg
PPC: 
https://github.com/Gnucash/gnucash/releases/download/2.6.18/Gnucash-PPC-2.6.18-1.dmg
Getting GnuCash as source code

If you want to compile GnuCash 2.6.18 for yourself, the source code can be 
downloaded from:
Sourceforge: 
http://downloads.sourceforge.net/sourceforge/gnucash/gnucash-2.6.18.tar.bz2
Github: 
https://github.com/Gnucash/gnucash/releases/download/2.6.18/gnucash-2.6.18.tar.bz2
 

 WARNING: Do not try to use the github-generated files labelled "Source Code". 
They have not been processed with swig and will not build.
You can also checkout the sources directly from the git repository as 
described here.

To compile GnuCash from the source code by yourself, you will need at least 
Gnome 2, Guile, and slib. In addition you will need swig if compiling from git. 
Please consult the README file in the sources for the exact list of 
dependencies and versions.
Getting the documentation

The documentation is available at Documentation page of the GnuCash 
website. The 2.6.18 documentation can be found under "GnuCash v2.6 (current 
stable release)" in multiple languages both for reading online and for download 
in pdf, epub, and mobi formats.

If you want to compile the GnuCash Documentation 2.6.18 for yourself, the 
source code can be downloaded from:
Sourceforge or GitHub
You can also checkout the sources directly from the git repository as 
described here.
About the Program

GnuCash is a free,

Re: How to deal with the cash flow and the credit card.

[DaveC49]

Hi,

The Tutorial and Concepts Guide covers the setup for credit cards in detail
(https://www.gnucash.org/docs/v2.6/C/gnucash-guide/chapter_cc.html).  You
need to create a Liability account as per these instructions for each credit
card.  There is no specific tool for handling credit cards as such. You
enter the transactions for purchases (as shown in the guide) when you make
purchases and the transactions for payments (also as shown in the guide)
when you make the payments for each credit card. 

If your bill is due on the same date each month, you could also use the
scheduled payments feature
See the Gnucash Help Manual  section 6.12 for details
(https://www.gnucash.org/viewdoc.phtml?doc=help)


David



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Re: How to deal with the cash flow and the credit card.

[R. Victor Klassen]

Folks, 

I think the original poster is looking at how to forecast cash flow.  Given the 
credit cards have different due dates, and assuming they are paid on their due 
date, does the account from which they are paid have enough in it for the 
coming month?

This is relatively easy once the billing date is past: just enter the 
transactions with future dates, and you can tell at a glance whether the 
account from which they are paid will go into the red.   This is relatively 
manual, and I can think of no report that would give me that projection at a 
random date before the billing dates have all (three) passed (and before any of 
their payment dates - which may not include any dates).  

The report, if it did exist, would have to project the balance of the paying 
account based on knowledge of the due dates, and the assumption that no further 
charges will be made to the credit cards until their billing dates.  

The closest I can come (and I use this method) is to enter phantom transactions 
into the main current account with names like “deposit placeholder” and “xxx 
credit card placeholder” at the appropriate dates in the future, and then 
correct them as I know the amounts, changing their names so I know they are no 
longer merely estimates.   This also works for mortgage and utility payments, - 
the mortgage payment I know the amount, but not the split, since the vaguaries 
of interest calculation mean my calculation never exactly matches the 
calculation used by the bank - and pretty much any foreseeable income or 
expense.


> On Sep 24, 2017, at 7:51 PM, DaveC49  wrote:
> 
> Hi,
> 
> The Tutorial and Concepts Guide covers the setup for credit cards in detail
> (https://www.gnucash.org/docs/v2.6/C/gnucash-guide/chapter_cc.html).  You
> need to create a Liability account as per these instructions for each credit
> card.  There is no specific tool for handling credit cards as such. You
> enter the transactions for purchases (as shown in the guide) when you make
> purchases and the transactions for payments (also as shown in the guide)
> when you make the payments for each credit card. 
> 
> If your bill is due on the same date each month, you could also use the
> scheduled payments feature
> See the Gnucash Help Manual  section 6.12 for details
> (https://www.gnucash.org/viewdoc.phtml?doc=help)
> 
> 
> David
> 
> 
> 
> -
> David Cousens
> --
> Sent from: http://gnucash.1415818.n4.nabble.com/GnuCash-User-f1415819.html
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Re: Announcement: GnuCash 2.6.18 Release 2017-09-24

[DaveC49]

Congratulations to John and the rest of the team. 

Builds and installs and runs nicely on Linux Mint 18.2 and installs and runs
on Windows 10 on a TabProS.



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Re: How to deal with the cash flow and the credit card.

[David Carlson]

What is the Future Scheduled Transactions Summary report supposed to do?
It looks like it might work, but it seems to be cluttered with a lot of
strange values with too many decimal places and/or fractions with large
denominators.

David C

On Sun, Sep 24, 2017 at 7:31 PM, R. Victor Klassen 
wrote:

> Folks,
>
> I think the original poster is looking at how to forecast cash flow.
> Given the credit cards have different due dates, and assuming they are paid
> on their due date, does the account from which they are paid have enough in
> it for the coming month?
>
> This is relatively easy once the billing date is past: just enter the
> transactions with future dates, and you can tell at a glance whether the
> account from which they are paid will go into the red.   This is relatively
> manual, and I can think of no report that would give me that projection at
> a random date before the billing dates have all (three) passed (and before
> any of their payment dates - which may not include any dates).
>
> The report, if it did exist, would have to project the balance of the
> paying account based on knowledge of the due dates, and the assumption that
> no further charges will be made to the credit cards until their billing
> dates.
>
> The closest I can come (and I use this method) is to enter phantom
> transactions into the main current account with names like “deposit
> placeholder” and “xxx credit card placeholder” at the appropriate dates in
> the future, and then correct them as I know the amounts, changing their
> names so I know they are no longer merely estimates.   This also works for
> mortgage and utility payments, - the mortgage payment I know the amount,
> but not the split, since the vaguaries of interest calculation mean my
> calculation never exactly matches the calculation used by the bank - and
> pretty much any foreseeable income or expense.
>
>
> > On Sep 24, 2017, at 7:51 PM, DaveC49  wrote:
> >
> > Hi,
> >
> > The Tutorial and Concepts Guide covers the setup for credit cards in
> detail
> > (https://www.gnucash.org/docs/v2.6/C/gnucash-guide/chapter_cc.html).
> You
> > need to create a Liability account as per these instructions for each
> credit
> > card.  There is no specific tool for handling credit cards as such. You
> > enter the transactions for purchases (as shown in the guide) when you
> make
> > purchases and the transactions for payments (also as shown in the guide)
> > when you make the payments for each credit card.
> >
> > If your bill is due on the same date each month, you could also use the
> > scheduled payments feature
> > See the Gnucash Help Manual  section 6.12 for details
> > (https://www.gnucash.org/viewdoc.phtml?doc=help)
> >
> >
> > David
> >
> >
> >
> > -
> > David Cousens
> > --
> > Sent from: http://gnucash.1415818.n4.nabble.com/GnuCash-User-
> f1415819.html
> > ___
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Re: How to deal with the cash flow and the credit card.

[DaveC49]

I am not sure how the cash flow report deals with credit cards/liabilities.
Even then a cash flow statement can only deal with already recorded
transactions as you have indicated with your phantom transactions. Where a
cash flow report is really useful is in looking at seasonal variations from
past years and using that to predict the current year.

The difficulty with the credit cards is you don't know in advance how much
you are going to spend in a given month. Relaitively easy if you have a
fixed income and regular expenses but not so in general

Maybe using the business features to record the Bill from the credit card
company when it arrives to move the liability into Accounts Payable then
running a cash flow report might do the trick without having to advance
record the payment of the bill? 

David



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Re: How to deal with the cash flow and the credit card.

[Dave H]

As I have only one bank account the all payments are made from and all
income is deposited to I have setup scheduled transactions for all regular
transactions including credit card payments that are created 60 days in
advance which gives me a good idea of the cash flows required for the next
couple of months without having to run any reports etc.  A quick glance at
the Cheque Account register tells me how the next couple of months look
from a cash flow perspective.

I just manually update the actual credit card payment transaction amount
and date if required in gnucash when I get the statement from the bank and
reconcile the credit card account.

I also have the "Future Minimum" column visible on the Accounts tab as any
negative amounts show up in red for me here and stand out well.

Cheers Dave H.

On 25 September 2017 at 14:10, DaveC49  wrote:

> I am not sure how the cash flow report deals with credit cards/liabilities.
> Even then a cash flow statement can only deal with already recorded
> transactions as you have indicated with your phantom transactions. Where a
> cash flow report is really useful is in looking at seasonal variations from
> past years and using that to predict the current year.
>
> The difficulty with the credit cards is you don't know in advance how much
> you are going to spend in a given month. Relaitively easy if you have a
> fixed income and regular expenses but not so in general
>
> Maybe using the business features to record the Bill from the credit card
> company when it arrives to move the liability into Accounts Payable then
> running a cash flow report might do the trick without having to advance
> record the payment of the bill?
>
> David
>
>
>
> -
> David Cousens
> --
> Sent from: http://gnucash.1415818.n4.nabble.com/GnuCash-User-f1415819.html
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Re: Announcement: GnuCash 2.6.18 Release 2017-09-24

[Steve]

Ok, it's late and I'm probably not awake enuf to see, but, uh, what happen to
the option to go online and download transactions or the balance?  Isn't
that option missing or has the long day caught up with me?  I just
downloaded and installed the new update with no problem.

Thinking I should wait to post this in the morning as I'll likely have pie
on my face, but seriously, I'm not seeing it!





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