examples: clean up & add more budgeting examples
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Simon Michael
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80
examples/budgeting/auto-envelope-budget-1.journal
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80
examples/budgeting/auto-envelope-budget-1.journal
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; An "envelope budget" assisted by auto postings.
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; From the "Planning/allocating budget" example at https://gist.github.com/ony/bbec599c0893e676b772559909b81de6.
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; Envelope balances, representing the currently available funds in each budget category,
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; are tracked as pseudo-accounts under "budget".
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; Here we allocate some funds to the envelopes. These are imaginary, so unbalanced postings are fine:
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2008/4/1 Budget for 2008q2
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(budget:food) $1000
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(budget:clothes) $200
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(budget:misc) $1000
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; When you spend, a corresponding amount should be removed from the appropriate budget envelope.
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; You can record this manually, eg:
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;
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; 2008-04-15
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; expenses:food $10
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; assets:checking -$10
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; (budget:food) -$10
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; Or you can do it automatically with auto postings, activated with --auto.
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; This is often recommended, as a labour saver.
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; Auto posting rules:
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; for each posting to a clothes expense account,
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; add an auto posting removing the same amount from the clothes budget envelope.
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= expenses.*clothes
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(budget:clothes) *-1
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; for each posting to a food or supplies expense account,
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; remove the same amount from the food budget envelope.
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= expenses.*(food|supplies)
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(budget:food) *-1
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; for each posting to any other expense account,
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; remove the same amount from the misc budget envelope.
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= expenses: not:expenses.*(clothes|food|supplies)
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(budget:misc) *-1
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; Some transactions:
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2008-04-15
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expenses:food $400
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expenses:clothes $300
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assets:checking
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2008-06-15
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expenses:food $600
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assets:checking
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; Some reports:
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comment
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Monthly changes in budget envelopes during the quarter:
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$ hledger -f examples/budgeting/budget2.journal bal budget date:2008q2 --auto -M
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Balance changes in 2008Q2:
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|| Apr May Jun
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================++===================
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budget:clothes || $-100 0 0
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budget:food || $600 0 $-600
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budget:misc || $1000 0 0
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----------------++-------------------
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|| $1500 0 $-600
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Month-end balances of budget envelopes:
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$ hledger -f examples/budgeting/budget2.journal bal budget date:2008q2 --auto -M -H
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Ending balances (historical) in 2008Q2:
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|| 2008-04-30 2008-05-31 2008-06-30
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================++====================================
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budget:clothes || $-100 $-100 $-100
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budget:food || $600 $600 0
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budget:misc || $1000 $1000 $1000
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----------------++------------------------------------
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|| $1500 $1500 $900
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55
examples/budgeting/forecast-budget-1.journal
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55
examples/budgeting/forecast-budget-1.journal
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; A minimal "forecast budget", defined with a periodic transaction rule.
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; We forecast/plan to spend $500 on food each month in 2020:
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~ monthly in 2020
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(expenses:food) $500
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; Some transactions:
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2020-01-15
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expenses:food $400
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assets:checking
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2020-03-15
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expenses:food $600
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assets:checking
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; Some examples of the balance --budget report,
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; which compares the actual (so far) and forecasted amounts.
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; There are some open bugs; here is output from several hledger versions:
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comment
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; the totals row has always been wrong (a bug)
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$ hledger-1.15 -f examples/budgeting/budget1.journal bal --budget -M
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Budget performance in 2020q1:
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|| Jan Feb Mar
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===============++=====================================================================
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<unbudgeted> || $-400 0 $-600
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expenses || $400 [ 80% of $500] 0 [ 0% of $500] $600 [ 120% of $500]
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expenses:food || $400 [ 80% of $500] 0 [ 0% of $500] $600 [ 120% of $500]
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---------------++---------------------------------------------------------------------
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|| 0 [ 0% of $500] 0 [ 0% of $500] 0 [ 0% of $500]
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; since 1.16, Jan is showing no info (a bug)
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; since 1.19, the boring parent "expenses" is elided by default
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$ hledger-1.19.1 -f examples/budgeting/budget1.journal bal --budget -M
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Budget performance in 2020Q1:
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|| Jan Feb Mar
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===============++=====================================================================
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<unbudgeted> || $-400 0 $-600
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expenses:food || $400 0 [ 0% of $500] $600 [ 120% of $500]
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---------------++---------------------------------------------------------------------
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|| 0 0 [ 0% of $500] 0 [ 0% of $500]
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; since 1.19.99, columns shrink to fit and can vary in width
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$ hledger -f examples/budgeting/budget1.journal bal --budget -M
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Budget performance in 2020Q1:
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|| Jan Feb Mar
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===============++=============================================
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<unbudgeted> || $-400 0 $-600
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expenses:food || $400 0 [0% of $500] $600 [120% of $500]
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---------------++---------------------------------------------
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|| 0 0 [0% of $500] 0 [ 0% of $500]
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@ -1,3 +1,8 @@
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; A budget defined by periodic transaction rules :
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; one recurring monthly, one yearly, and one non-recurring.
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; This would show up in a report like:
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; $ hledger balance --budget Income Expenses -M
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~ monthly from 2013/01
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~ monthly from 2013/01
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Expenses:Food 500 USD
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Expenses:Food 500 USD
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Expenses:Health 200 USD
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Expenses:Health 200 USD
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42
examples/budgeting/forecast-budget-3.journal
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42
examples/budgeting/forecast-budget-3.journal
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; https://www.reddit.com/r/plaintextaccounting/comments/e5sl1m/advice_on_projectionsforecasts/
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;
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; I've been reading up in preparation for switching to pta in 2020
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; from my current ad hoc spreadsheet. The forecasting docs/tutorial
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; for hledger answer many of my questions but I'm wondering about how
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; to duplicate a forecasting page of my spreadsheet.
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; On this page, I list all my future expenses with estimates for each.
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; However I don't assign any dates to most of the expenses since they
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; don't really have an associated date. As the year progresses and I
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; book expenses against these accounts I update the page with an
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; actual vs. estimated amount. This is just a big picture view of a
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; year's expenses vs. expected revenue so I have a better idea of what
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; big purchases I can plan for or maybe have to delay until the
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; following year.
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; This doesn't seem to fit within the typical forecasting/budget
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; reports I've seen, does anyone have tips or examples that might help
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; me generate a similar report with a ledger-like (I haven't chosen
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; the software I'll use yet but probably ledger or hledger). Thanks!
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~ 2020
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(expenses:rent) $12000
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(expenses:food) $6000
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2020/1/1
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expenses:rent $1000
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assets:checking
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2020/1/5
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expenses:food $100
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assets:checking
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comment
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$ hledger bal expenses --budget -YS --tree
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Budget performance in 2020:
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|| 2020
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==========++=========================
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expenses || $1100 [ 6% of $18000]
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rent || $1000 [ 8% of $12000]
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food || $100 [ 2% of $6000]
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----------++-------------------------
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|| $1100 [ 6% of $18000]
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86
examples/budgeting/forecast-budget-4.budget.journal
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86
examples/budgeting/forecast-budget-4.budget.journal
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; A detailed forecast budget, defined with periodic transaction rules.
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; all amount are imaginary and will be either 1000 or 100 or 10
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; monthly wages and monthy expenses (which get deducted as a single transaction per month)
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~ every 1st day of month from 2017-01-01
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income:work £-1000
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liabilities:mortgage £100
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expenses:bills £100
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assets:current
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; regular expenses that either occur once per week (groceries, car
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; fuel), or could be expressed as a weekly total easier than a daily
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; spending - like commute on weekdays (but not on weekends!)
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~ weekly from 2017-01-02
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expenses:travel:commute £10
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expenses:food:groceries £10
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expenses:car:fuel £10
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expenses:misc £10
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assets:current
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; tax that is deducted quarterly in four installments
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~ every 90 days from 2017-01-15
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expenses:council tax £100
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assets:current
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; investment that pays out almost quartery, roughly on last day on quarter
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~ every 90 days from 2017/03/30
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income:investments £-1000
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assets:current
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; School-related expenses are collected every 2 month, but not when the school is out
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~ every 60 days from 2017/01/01 to 2017/05/30
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expenses:school £100
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assets:current
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~ every 60 days from 2017/08/01 to 2017/12/31
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expenses:school £100
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assets:current
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; Big once-per-year expenses
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~ every 15th Aug
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expenses:fun £100 ; birthday 1
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assets:current
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~ every 15th Sep
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expenses:fun £100 ; birthday 2
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assets:current
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~ every 25th Dec
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expenses:fun £100 ; Christmas and New Year
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assets:current
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~ every 15th Feb
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expenses:fun £100 ; birthday 3
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assets:current
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~ every 1st Apr
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expenses:fun £100 ; birthday 4
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assets:current
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~ every 1st Jun
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expenses:car:insurance £100
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assets:current
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;; Events that happen once
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~ 2017-01-29
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income:work £-1234 ; bonus
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assets:current
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~ 2017-01-20
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expenses:tax office £100 ; capital gains tax
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assets:current
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~ 2017-03-15
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expenses:home:renovations £100 ; renovations 1
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assets:current
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~ 2017-05-15
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expenses:home:renovations £100 ; renovations 2
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assets:current
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2017-01-01
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expenses:misc £1
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assets:current
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127
examples/budgeting/forecast-budget-4.journal
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127
examples/budgeting/forecast-budget-4.journal
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;; A main journal file, including budget goals from a separate file:
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include forecast-budget-4.budget.journal
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;; and containing some actual transactions:
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;; Regular income
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2017-01-25 Salary
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income:work £-999
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assets:current
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2017-02-25 Salary
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income:work £-1000
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assets:current
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2017-03-25 Salary
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income:work £-1000
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assets:current
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2017-04-25 Salary
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income:work £-1000
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assets:current
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2017-05-25 Salary
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income:work £-1000
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assets:current
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2017-06-25 Salary
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income:work £-1000
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assets:current
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;; Irregular income
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2017-01-25 Bonus
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income:work £-1345
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assets:current
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2017-03-28
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income:investments £-1010
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assets:current
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2017-06-29
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income:investments £-970
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assets:current
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2017-01-14
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expenses:council tax £101
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assets:current
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2017-04-24
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expenses:council tax £99
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assets:current
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2017-01-26 Capital gains tax
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expenses:tax office £101 ; capital gains tax
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assets:current
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; other
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2017-05-28
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expenses:car:insurance £100
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assets:current
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2017-03-01
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expenses:home:renovations £10 ; renovations 1
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assets:current
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2017-03-02
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expenses:home:renovations £10 ; renovations 1
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assets:current
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2017-03-03
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expenses:home:renovations £10 ; renovations 1
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assets:current
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2017-03-04
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expenses:home:renovations £10 ; renovations 1
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assets:current
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2017-03-05
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expenses:home:renovations £10 ; renovations 1
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assets:current
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2017-03-06
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expenses:home:renovations £10 ; renovations 1
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assets:current
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2017-03-06
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expenses:home:renovations £10 ; renovations 1
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assets:current
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2017-03-07
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expenses:home:renovations £10 ; renovations 1
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assets:current
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2017-03-07
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expenses:home:renovations £10 ; renovations 1
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assets:current
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2017-01-03
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expenses:travel:commute £2
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assets:current
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2017-01-04
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expenses:travel:commute £2
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assets:current
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2017-01-06
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expenses:travel:commute £2
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assets:current
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2017-01-09
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expenses:travel:commute £2
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assets:current
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2017-01-10
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expenses:travel:commute £2
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assets:current
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2017-01-11
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expenses:travel:commute £2
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assets:current
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2017-01-12
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expenses:travel:commute £2
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assets:current
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2017-01-13
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expenses:travel:commute £2
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assets:current
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210
examples/budgeting/manual-envelope-budget-1.journal
Normal file
210
examples/budgeting/manual-envelope-budget-1.journal
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|
|||||||
|
; An example of YNAB-ish envelope budgetting with hledger/ledger
|
||||||
|
; cf https://github.com/simonmichael/hledger/issues/315
|
||||||
|
|
||||||
|
; Using accounts like the following:
|
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|
;
|
||||||
|
; assets <- parent accounts, organising the chart of accounts
|
||||||
|
; business
|
||||||
|
; bank
|
||||||
|
; wf
|
||||||
|
; bchecking <- a real-world checking account
|
||||||
|
; available <- imaginary subaccounts of checking. This one represents unallocated/buffer funds.
|
||||||
|
; month <- a parent which groups the short-term, spending-control "envelopes"
|
||||||
|
; autosave <- an envelope account. Holds funds to cover automated monthly transfer to a savings account.
|
||||||
|
; banking <- envelope for banking-related expenses
|
||||||
|
; books <- envelope for books/periodicals expenses. Etc.
|
||||||
|
; dues
|
||||||
|
; equipment
|
||||||
|
; online
|
||||||
|
; research
|
||||||
|
; software
|
||||||
|
; supplies
|
||||||
|
; year <- parent for longer-term, spending/savings-goal envelopes
|
||||||
|
; conferences
|
||||||
|
; education
|
||||||
|
; legal/accounting
|
||||||
|
; XXX missing savings
|
||||||
|
; personal
|
||||||
|
; bank
|
||||||
|
; wf
|
||||||
|
; checking <- a second real-world checking account
|
||||||
|
; available
|
||||||
|
; month
|
||||||
|
; autosave
|
||||||
|
; clothing
|
||||||
|
; food
|
||||||
|
; gifts
|
||||||
|
; health
|
||||||
|
; home
|
||||||
|
; personal care
|
||||||
|
; phone
|
||||||
|
; recreation
|
||||||
|
; spiritual
|
||||||
|
; transport
|
||||||
|
; year
|
||||||
|
; vacation
|
||||||
|
; savings
|
||||||
|
; reserve
|
||||||
|
; expenses
|
||||||
|
; business
|
||||||
|
; books/periodicals <- expense accounts, representing spending categories
|
||||||
|
; 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.
|
||||||
Loading…
Reference in New Issue
Block a user