211 lines
9.0 KiB
Plaintext
211 lines
9.0 KiB
Plaintext
; An example of YNAB-ish envelope budgetting with hledger/ledger
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; cf https://github.com/simonmichael/hledger/issues/315
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; Using accounts like the following:
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;
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; assets <- parent accounts, organising the chart of accounts
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; business
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; bank
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; wf
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; bchecking <- a real-world checking account
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; available <- imaginary subaccounts of checking. This one represents unallocated/buffer funds.
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; month <- a parent which groups the short-term, spending-control "envelopes"
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; autosave <- an envelope account. Holds funds to cover automated monthly transfer to a savings account.
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; banking <- envelope for banking-related expenses
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; books <- envelope for books/periodicals expenses. Etc.
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; dues
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; equipment
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; online
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; research
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; software
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; supplies
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; year <- parent for longer-term, spending/savings-goal envelopes
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; conferences
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; education
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; legal/accounting
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; XXX missing savings
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; personal
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; bank
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; wf
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; checking <- a second real-world checking account
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; available
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; month
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; autosave
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; clothing
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; food
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; gifts
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; health
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; home
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; personal care
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; phone
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; recreation
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; spiritual
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; transport
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; year
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; vacation
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; savings
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; reserve
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; expenses
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; business
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; books/periodicals <- expense accounts, representing spending categories
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; online <-
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; hosting <-
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; personal
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; food <-
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; dining <-
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; snacks <-
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; gifts <-
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2016/1/1 * set up some balances for this example
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(assets:business:bank:wf:bchecking:month:books) $-9.42
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(assets:business:bank:wf:bchecking:available) $500
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(assets:personal:bank:wf:checking:month:food) $-24.28
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(assets:personal:bank:wf:checking:month:gifts) $-16.30
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(assets:personal:bank:wf:checking:available) $2100
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; at the start of each month, zero out any overspending from last month:
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2016/1/1 * refill negative budget envelopes (business)
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[assets:business:bank:wf:bchecking:month:books] $9.42 = $0
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[assets:business:bank:wf:bchecking:available] $-9.42
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2016/1/1 * refill negative budget envelopes (personal)
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[assets:personal:bank:wf:checking:month:food] $24.28 = $0
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[assets:personal:bank:wf:checking:month:gifts] $16.30 = $0
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[assets:personal:bank:wf:checking:available] $-40.58
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; and transfer funds to various envelopes (books, etc.) for this month's
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; spending, and longer-term saving goals:
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2016/1/1 * budget for this month's business expenses
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[assets:business:bank:wf:bchecking:month:autosave] $100
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[assets:business:bank:wf:bchecking:month:banking] 0
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[assets:business:bank:wf:bchecking:month:books] $10
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[assets:business:bank:wf:bchecking:month:dues] $10
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[assets:business:bank:wf:bchecking:month:equipment] $40
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[assets:business:bank:wf:bchecking:month:online] $70
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[assets:business:bank:wf:bchecking:month:research] $20
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[assets:business:bank:wf:bchecking:month:software] $20
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[assets:business:bank:wf:bchecking:month:supplies] $10
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[assets:business:bank:wf:bchecking:year:conferences] $20
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[assets:business:bank:wf:bchecking:year:education] $10
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[assets:business:bank:wf:bchecking:year:legal/accounting] $40
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[assets:business:bank:wf:bchecking:available] $-350
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2016/1/1 * budget for this month's personal expenses
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[assets:personal:bank:wf:checking:month:autosave] $100
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[assets:personal:bank:wf:checking:month:clothing] $30
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[assets:personal:bank:wf:checking:month:food] $300
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[assets:personal:bank:wf:checking:month:gifts] $30
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[assets:personal:bank:wf:checking:month:health] $300
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[assets:personal:bank:wf:checking:month:home] $1000
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[assets:personal:bank:wf:checking:month:personal care] $20
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[assets:personal:bank:wf:checking:month:phone] $80
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[assets:personal:bank:wf:checking:month:recreation] $20
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[assets:personal:bank:wf:checking:month:spiritual] $20
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[assets:personal:bank:wf:checking:month:transport] $50
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[assets:personal:bank:wf:checking:year:vacation] $50
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[assets:personal:bank:wf:checking:available] $-2000
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; Update appropriate envelopes as transactions are made:
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2016/1/1 * automatic savings transfer
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assets:business:bank:wf:bchecking:month:autosave
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assets:business:bank:wf:savings:reserve $100
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2016/1/1 * automatic savings transfer
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assets:personal:bank:wf:checking:month:autosave
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assets:personal:bank:wf:savings:reserve $100
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2016/1/2 * linode
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expenses:business:online:hosting $50
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assets:business:bank:wf:bchecking:month:online
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2016/1/3 * market
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expenses:personal:food:dining $10
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expenses:personal:food:snacks $2
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assets:personal:bank:wf:checking:month:food $-12
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expenses:personal:gifts $3
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assets:personal:bank:wf:checking:month:gifts $-3
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2016/1/4 * amazon open source everything
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; a business purchase from personal account - use available
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expenses:business:books/periodicals $12.33
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assets:personal:bank:wf:checking:available -$12.33
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; and adjust the appropriate business envelope
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[assets:business:bank:wf:bchecking:available] $12.33
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[assets:business:bank:wf:bchecking:month:books] -$12.33
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; Check your envelope balances periodically:
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;
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; $ hledger bal checking:
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; $2272.67 assets
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; $340.58 business:bank:wf:bchecking
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; $152.91 available
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; $117.67 month
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; $-2.33 books <- overspent already
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; $10.00 dues
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; $40.00 equipment
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; $20.00 online
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; $20.00 research
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; $20.00 software
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; $10.00 supplies
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; $70.00 year
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; $20.00 conferences
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; $10.00 education
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; $40.00 legal/accounting
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; $1932.09 personal:bank:wf:checking
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; $47.09 available
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; $1835.00 month
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; $30.00 clothing
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; $288.00 food
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; $27.00 gifts
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; $300.00 health
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; $1000.00 home
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; $20.00 personal care
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; $80.00 phone
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; $20.00 recreation
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; $20.00 spiritual
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; $50.00 transport
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; $50.00 year:vacation
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; --------------------
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; $2272.67
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;
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; $ hledger bal checking: --weekly --historical --drop 4
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; Ending balances (historical) in 2015/12/28-2016/01/10:
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;
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; || 2016/01/03 2016/01/10
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; =================================++=========================
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; bchecking:available || $140.58 $152.91
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; bchecking:month:books || $10.00 $-2.33
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; bchecking:month:dues || $10.00 $10.00
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; bchecking:month:equipment || $40.00 $40.00
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; bchecking:month:online || $20.00 $20.00
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; bchecking:month:research || $20.00 $20.00
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; bchecking:month:software || $20.00 $20.00
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; bchecking:month:supplies || $10.00 $10.00
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; bchecking:year:conferences || $20.00 $20.00
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; bchecking:year:education || $10.00 $10.00
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; bchecking:year:legal/accounting || $40.00 $40.00
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; checking:available || $59.42 $47.09
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; checking:month:clothing || $30.00 $30.00
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; checking:month:food || $288.00 $288.00
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; checking:month:gifts || $27.00 $27.00
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; checking:month:health || $300.00 $300.00
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; checking:month:home || $1000.00 $1000.00
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; checking:month:personal care || $20.00 $20.00
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; checking:month:phone || $80.00 $80.00
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; checking:month:recreation || $20.00 $20.00
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; checking:month:spiritual || $20.00 $20.00
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; checking:month:transport || $50.00 $50.00
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; checking:year:vacation || $50.00 $50.00
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; ---------------------------------++-------------------------
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; || $2285.00 $2272.67
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;
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; or (good for reviewing transactions):
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;
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; $ hledger-ui checking:
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; Try to keep spending envelopes above zero, and to
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; avoid unplanned withdrawals from savings envelopes.
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