Thanks Alan,

I wonder about the roll up figure on the accounts tab - I have heaps of
future transactions scheduled months in advance to help me forecast.
But that means the account tab never reflects the current balance. So I
can't use that to reconcile.
Unless there is a setting somewhere to show up to today only on the
accounts tab?

I also wonder about obligatory fund (ie, promised gift, allowance) - the
2nd Tithe is a big deal for me, I view it as a liability because I can not
spend it on just anything I like. It's essentially on loan to pay a bill in
the future.
Most people stick it in an external account. I'm not doing that so that I
can offset my mortgage. In a nut shell, I really can't have it factor into
my net worth because it's not my money.
Sort of like if you paid without taxes withheld and will have to pay at the
end of the year. Every time you get paid, you're increasing your tax
liabilities.

The other funds, this notion is not so important, I can scrap the travel
money to pay the bills if I want - so your way could work for that... but
if I can find one way that works, that's even better.

But sub accounts on my checking account seems to be the prevailing view...
probably for a reason... perhaps I should try harder...

Cheers,
Daniel

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and empty. Randomness was upon the face of computing, and the Spirit of
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On Tue, Aug 6, 2024 at 5:24 PM Alan Johnson via gnucash-user <
gnucash-user@gnucash.org> wrote:

> Daniel,
>
> I would suggest that you use the second savings account and it would help
> with the over spending.
>
> I think it would look something like this, please forgive formatting as
> I'm on mobile, but you should get the idea.
>
> Checking debit 10k / salary credit 10k
>
> Credit checking 1k / debit savings2 1k
>
> Credit savings2 500 / debit vacationfund [subaccount] 500
>
> Credit savings2 500 / debit toyfund [subaccount] 500
>
> Need money back in checking to spend?
>
> Debit savings2 300 / credit vacationfund 100 credit toyfund 200
>
> Credit savings2 300 / debit checking 300
>
> Your roll up of savings 2 in the accounts list will tell you the amount
> which should match the savings statement. There should also, in theory, be
> a very few transactions to reconcile, and it keeps the checking account
> clean.
>
> Alan
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