See Ross's comments, with the additional reason that taking stuff "out" of your bank account without really taking it out of your bank account makes statement reconciliation a pain (extraneous information).
I think you also made a mistake: > Balance: > Bank: $975 (equity $975) > Gas: $25 (gas bills $25) > > Net worth = Equity (assets-liability) > $950 (Assuming no other bills :D ) That should be bank/equity: 950, gas/bills: 25, total 975 Which demonstrates the problem: your accounting for bank says only 950, but your true balance (after waiting for things to clear even) is 975. The real issue is that a budget is an estimate, or a plan, and so needs to live in a different plane of reality than what really happens with your money. It's like an overlay, it's purely an informative planning tool. -- Hans Fugal | If more of us valued food and cheer and http://hans.fugal.net/ | song above hoarded gold, it would be a http://gdmxml.fugal.net/ | merrier world. | -- J.R.R. Tolkien --------------------------------------------------------------------- GnuPG Fingerprint: 6940 87C5 6610 567F 1E95 CB5E FC98 E8CD E0AA D460
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