Re: Please remove me from the mailing list

2018-02-03 Thread David T. via gnucash-user
Liz,

Looks good. 

Just a brief question on terminology: I had never heard the term “reflector” 
used for these sites. It’s always been called a “mirror.” Which is considered 
the proper term for these?

David

> On Feb 3, 2018, at 11:18 AM, Liz  wrote:
> 
> On Wed, 31 Jan 2018 20:23:21 +
> Matt Graham  wrote:
> 
>> Sorry, you are probably all sick of this thread, but can the
>> unsubscribe process send an email to the person unsubscribing to tell
>> them "if you have a third party mail thing like Nabble, make sure you
>> unsubscribe there or you'll keep getting messages "
>> 
>> 
>> Thanks and regards,
>> Matt
> 
> This is what I have just put as unsubscribe text.
> 
> 
> 
> You are no longer subscribed to the Gnucash-user list. You can no
> longer post to the list. If you receive the list mail through Nabble or
> Gmane or another reflector, you will have to unsubscribe there so that
> you do not receive any more list emails.
> 
> =
> 
> 
> That way you don't all have to unsubscribe and subscribe just so you
> can read it and tell me if it can be improved.
> 
> Liz
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Re: Finance::Quote for EE Savings Bonds

2018-02-03 Thread farleykj
Robin,
Were you able to get quotes for your bonds?



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Ken Farley
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Re: How to edit and post 'duplicate' customer invoice?

2018-02-03 Thread Fran_3 via gnucash-user
 Geert,
Your suggestion worked. Thank you !

Question: If you should not use "duplicate" transaction while looking at the 
A/R register... I wonder why they don't disable the "Duplicate" icon at the top 
of the register or the one in the Transactions > Duplicated drop down menu?

That said we are learning the software and with a couple of bumps in the road 
are doing well.
Thanks for the help !
Fran3

On Friday, February 2, 2018, 4:46:27 PM EST, Geert Janssens 
 wrote:  
 
 Op vrijdag 2 februari 2018 20:45:44 CET schreef Fran_3 via gnucash-user:
>  Running v2.6.19 on Windows 10 PC
> When I duplicate an A/R or Sales Transaction there is no option to "Post"
> Search -> is Posted -> untick
> returns nothing
> using an experimentl gnuCash file I created another "duplicate" of an A/R
> transaction and did not click on the"?" and then attempted various Business
> -> Customer -> Find Invoice
> searches... some using the regex dot/wildcard operator ... searching for ID
> and by Company Name... Still, the "duplicated" A/R Sales transaction only
> appears in those two registers and can not be found using any search
> technique I can find... It is as if the record does not exist... We really
> would like to use the "Duplicate" A/R Transaction and/or Sales Transaction
> but if we can't post, edit, or find the duplicated entry then we will have
> to continue manually entering each transaction from scratch. Thanks for any
> additional help as we were really depending on using gnuCash. Thanks,
> Fran3
Please never ever directly manipulate invoice related transactions in A/R or 
A/P registers!

Gnucash is not designed to be used like that. If you want to duplicate an 
invoice, open that invoice and select "Duplicate Invoice" from the menu. That 
will do what you are after.

Also if you ticked the "?" to change it into an "I", you have effectively 
created a transaction you can not remove any more. You could try to run check 
& repair on the register to check whether that will undo it. I have not tried 
that myself yet (it's a bit late here).

Regards,

Geert


  
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Re: How to edit and post 'duplicate' customer invoice?

2018-02-03 Thread Geert Janssens
Op zaterdag 3 februari 2018 19:33:44 CET schreef Fran_3:
>  Geert,
> Your suggestion worked. Thank you !
> 
Glad you got that sorted :)

> Question: If you should not use "duplicate" transaction while looking at the
> A/R register... I wonder why they don't disable the "Duplicate" icon at the
> top of the register or the one in the Transactions > Duplicated drop down
> menu?
> 
It was late yesterday evening when I wrote my reply and your observation 
crossed my mind today as well. I think this is a valid usability bug that 
should get fixed eventually.

Can I ask you to file a bug report for this in bugzilla [1] ? That way the 
issue won't get lost.

Thanks!

Geert

[1] Refer to http://wiki.gnucash.org/wiki/Bugzilla to learn how to use 
bugzilla


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Transaction downloads from PNC

2018-02-03 Thread Snarky Email
   I have been using Quicken for years and want to move to gnucash.  I
   have followed all the documentation/recommendations for setting up OFX
   but seem to have hit a snag.  When I try to pull down accounts, I get a
   dialog like this:
   14:42:35 Retrieving SSL certificate
   14:42:35 Connecting to server...
   14:42:35 Using GnuTLS default ciphers.
   14:42:35 TLS: SSL-Ciphers negotiated: TLS1.2:ECDHE-RSA-AES-128-GCM:AEAD
   14:42:35 Signer not found
   14:42:35 Certificate is not trusted
   14:42:35 Connected.
   14:42:35 Disconnected.
   14:42:35 Connection ok, certificate probably received
   14:42:35 Operation finished, you can now close this window.
   Anyone know how to remedy this problem (Certificate is not trusted)?
   As I mentioned, I can download fine with Quicken, so I know my accounts
   are configured for downloading.
   Thank you for any assistance!
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version on Mac seems to have issue with mouse

2018-02-03 Thread John Sullivan
I've used GnuCash for years and am running the latest version on Mac High 
Sierra. A couple of weeks ago, I notice I seem to have an issue with the mouse 
pointer not 'quite' being in the right place. I was able to compensate by going 
the arrow keys and space bar. I also changed mice and keyboard with no effect.

I switched to my laptop (same mac version and gnu version)I moved files off a 
archive icloud drive to a standard file areaI switched to my of PC running 
windows 10 and don't see the issue.
I haven't been on the list for a while and thought I'd check. Any suggestions.
John SullivanRaleigh NC

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Re: GNUCASH Free Accounting Software

2018-02-03 Thread Adrien Monteleone
Bob,

In answer to #1: How do I do a year end statement?

There are several reports you can run at any time, but I’ll presume you are 
interested in what is known as an ‘Income Statement’ or ‘Profit & Loss’ report. 
(if you have it set up properly, you can also run a special ‘tax report’ that 
will show you tax-related transactions for assisting with return filing)

This can be run for any date range, but in this particular case, you want to 
specify from 1/1/17 to 12/31/17. There are some ‘quick’ options for date ranges 
that can be useful, in this case, running this report for all of 2017 at 
present (2018) you’d use ’start of previous year’ to ‘end of previous year’. 
This setting is in the General section of the options for that report.

You can also run a Balance Sheet report, which is a snapshot of your account 
balances on a particular date. You’d want that date to be 12/31/17 for this 
case.

In answer to #2: How do I start a New Year’s set of books?

You don’t necessarily need to and doing so can make accessing previous year’s 
records cumbersome. You’ll also lose the ability to run some reports after 
doing so.

In the days of paper records, usually a new set of accounting books was 
prepared for each year. Special transactions were used to ‘close’ certain 
accounts like income and expenses by transferring those balances to equity. As 
part of this process you prepared reports like the Income Statement and Balance 
Sheet for each accounting period. (usually, monthly, quarterly, and at least 
yearly) With computers, this artificial limitation does not exist. There are no 
special transactions needed to produce these reports, or to ‘close the year’ 
and start fresh. You just continue as you have. You can run an Income Statement 
report for ANY date range you like at ANY time. If you want to see an Income 
Statement from January 21st-April 3rd of last year (a non-standard reporting 
range) you can do that. You can run a Balance Sheet report for any specified 
date at any time. If you want to see the state of your account balances 3 years 
ago on August 9th, you can do so. (assuming there were balances in your books 
back then)

If you really, really, really want to, you can ‘close the books’ at any date 
just like with paper records. All this accomplishes, is transferring the 
balances from income and expense accounts to an equity account. (retained 
earnings) But this then means those income and expense accounts don’t have 
balances any more, so this affects your reporting abilities. You don’t have to 
use a different computer file to store each year’s transactions, you just keep 
using the same one.

Some people do choose to use a new file each year. They perform a ‘close books’ 
operation, save the file somewhere else, usually a read-only medium like a CD, 
along with the relevant reports for the year in a PDF format. They then create 
a new file for the new year.

The downside to taking this route is you lose any ability to run reports for 
multiple years, or that cross yearly boundaries. (you can’t run a report that 
covers both the 4th qtr of last year and the 1st quarter of this year, for 
example) You can always load in that previous year’s file and run reports from 
there, but that is more cumbersome.

This also answers your 3rd question.

If you don’t ‘close the books’ or don’t start a new file, you always retain 
access to previous year transactions. If however you archive each year and 
start anew, you have to load in a previous year file to access those 
transactions. (and then while that file is open, you can’t access current year 
transactions until you re-load the current file)

In short, unless you have a real special need for ‘closing the books’ or 
creating annual files, don’t. Just keep using the same file you are using now. 
Run reports as desired for the desired dates, or time-frames as needed.


Regards,
Adrien

> On Feb 2, 2018, at 3:48 PM, Bob Lehmann  wrote:
> 
> Dear GnuCash Friends:
> 
> Thank you! It is good of you to "persevere" for me.  I am really
> appreciative, of the Gnucash program ... it is quite similar, in several
> ways to the old Moneycounts program that I used for years, making it easier
> for me to "navigate"  iin this program.  I have version GnuCash 2.6.15 and
> am running it on and ASUS CG8480 computer using Windows 10 Pro 2016 ... It
> has an Intel (R)  Core (TM) i7-377 OK CPU @ 3.50 Ghz ...  the 64 bit
> version with 16 Gig RAM  memory.
> 
> Now, my apologies for not knowing where to route my question and it ending
> up in your spam folder! ... When I didn't hear from you earlier in the New
> Year, I kept struggling to solve the issue (with the help of the manual,
> which I had printed) ... Then one morning, out of the blue, it seemed, I am
> unsure even today, what I might have done ... there, my data was all back
> and everything was normal ... true, I have not been able to print out any
> kind of year-end statements, [probably, because I am a bit af

Re: version on Mac seems to have issue with mouse

2018-02-03 Thread John Ralls
This is a known problem [1] that occurs for some users of Macs with Retina 
displays. One user found that disabling tabs as described in 
https://www.imore.com/how-use-tabs-apps-macos fixed the problem.

Regards,
John Ralls


[1] https://bugzilla.gnome.org/show_bug.cgi?id=776602

> On Feb 3, 2018, at 1:12 PM, John Sullivan  wrote:
> 
> I've used GnuCash for years and am running the latest version on Mac High 
> Sierra. A couple of weeks ago, I notice I seem to have an issue with the 
> mouse pointer not 'quite' being in the right place. I was able to compensate 
> by going the arrow keys and space bar. I also changed mice and keyboard with 
> no effect.
> 
> I switched to my laptop (same mac version and gnu version)I moved files off a 
> archive icloud drive to a standard file areaI switched to my of PC running 
> windows 10 and don't see the issue.
> I haven't been on the list for a while and thought I'd check. Any suggestions.
> John SullivanRaleigh NC
> 
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Re: Please remove me from the mailing list

2018-02-03 Thread Adrien Monteleone
I thought that was odd too. It’s probably a translation issue on the wiki which 
also uses that term. I think ‘mirror’ is probably the more widely used of the 
two.

Regards,
Adrien

> On Feb 3, 2018, at 2:03 AM, David T. via gnucash-user 
>  wrote:
> 
> Liz,
> 
> Looks good. 
> 
> Just a brief question on terminology: I had never heard the term “reflector” 
> used for these sites. It’s always been called a “mirror.” Which is considered 
> the proper term for these?
> 
> David
> 
>> On Feb 3, 2018, at 11:18 AM, Liz  wrote:
>> 
>> On Wed, 31 Jan 2018 20:23:21 +
>> Matt Graham  wrote:
>> 
>>> Sorry, you are probably all sick of this thread, but can the
>>> unsubscribe process send an email to the person unsubscribing to tell
>>> them "if you have a third party mail thing like Nabble, make sure you
>>> unsubscribe there or you'll keep getting messages "
>>> 
>>> 
>>> Thanks and regards,
>>> Matt
>> 
>> This is what I have just put as unsubscribe text.
>> 
>> 
>> 
>> You are no longer subscribed to the Gnucash-user list. You can no
>> longer post to the list. If you receive the list mail through Nabble or
>> Gmane or another reflector, you will have to unsubscribe there so that
>> you do not receive any more list emails.
>> 
>> =
>> 
>> 
>> That way you don't all have to unsubscribe and subscribe just so you
>> can read it and tell me if it can be improved.
>> 
>> Liz
>> ___
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> 
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Re: How to edit and post 'duplicate' customer invoice?

2018-02-03 Thread Fran_3 via gnucash-user
 I assume this mail list is not the appropriate place to file a bug report. Is 
there another email address or a forum or what? Thanks.

On Saturday, February 3, 2018, 1:51:20 PM EST, Geert Janssens 
 wrote:  
 
 Op zaterdag 3 februari 2018 19:33:44 CET schreef Fran_3:
>  Geert,
> Your suggestion worked. Thank you !
> 
Glad you got that sorted :)

> Question: If you should not use "duplicate" transaction while looking at the
> A/R register... I wonder why they don't disable the "Duplicate" icon at the
> top of the register or the one in the Transactions > Duplicated drop down
> menu?
> 
It was late yesterday evening when I wrote my reply and your observation 
crossed my mind today as well. I think this is a valid usability bug that 
should get fixed eventually.

Can I ask you to file a bug report for this in bugzilla [1] ? That way the 
issue won't get lost.

Thanks!

Geert

[1] Refer to http://wiki.gnucash.org/wiki/Bugzilla to learn how to use 
bugzilla


  
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Re: How to edit and post 'duplicate' customer invoice?

2018-02-03 Thread Adrien Monteleone
I just filed it for you as an enhancement. 
https://bugzilla.gnome.org/show_bug.cgi?id=793147

Please feel free to comment or add information for your situation.

I filed it as an enhancement (and included other relevant things needing to be 
disabled) as some people may need or desire direct editing of these accounts. 
But you should have the option of disabling those functions if you want to 
avoid doing so.

Regards,
Adrien

> On Feb 3, 2018, at 4:46 PM, Fran_3 via gnucash-user 
>  wrote:
> 
> I assume this mail list is not the appropriate place to file a bug report. Is 
> there another email address or a forum or what? Thanks.
> 
>On Saturday, February 3, 2018, 1:51:20 PM EST, Geert Janssens 
>  wrote:  
> 
> Op zaterdag 3 februari 2018 19:33:44 CET schreef Fran_3:
>>   Geert,
>> Your suggestion worked. Thank you !
>> 
> Glad you got that sorted :)
> 
>> Question: If you should not use "duplicate" transaction while looking at the
>> A/R register... I wonder why they don't disable the "Duplicate" icon at the
>> top of the register or the one in the Transactions > Duplicated drop down
>> menu?
>> 
> It was late yesterday evening when I wrote my reply and your observation 
> crossed my mind today as well. I think this is a valid usability bug that 
> should get fixed eventually.
> 
> Can I ask you to file a bug report for this in bugzilla [1] ? That way the 
> issue won't get lost.
> 
> Thanks!
> 
> Geert
> 
> [1] Refer to http://wiki.gnucash.org/wiki/Bugzilla to learn how to use 
> bugzilla
> 
> 
> 
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Re: Future allocated money vs Budgets

2018-02-03 Thread ebridges
Sorry for the delayed response, just managing to catch up on this thread.

I've been looking at how to do envelope-style budgeting for my personal
finances using GnuCash for about 6-7 months.  Like you, this began with this
article from 2008 "[Better Budgeting with
GnuCash"](http://allmybrain.com/2008/12/15/better-budgeting-with-gnucash/).

After toying around with that approach, I decided there were two drawbacks
to it:

1. It was tedious.  Manually creating a split for every expense to draw down
budget accounts ("envelopes") that were allocated previously, was super
boring and error prone.  In addition, because of the detailed nature of
doing this work, one would be discouraged from allocating all of your income
to different "envelopes".
2. It was fragile.  By treating "Budgeted Cash" as an asset made allocated
money difficult to reconcile to money that was drawn out of your budget
accounts.  A useful insight in that article is to consider a budget account
as a liability.  However, it categorizes budgeted cash as an Asset, when it
is more useful to consider it also as a liability.  Doing so allows you to
reconcile allocated money to monies spent out of the "envelopes".

For the past month, I've been able to apply an approach to my existing
reconciliation process that I believe will prove to be a very useful and
easy to manage approach to envelope budgeting for personal finance.

To simplify allocating income and expenses to envelopes I use two tools:

* [QifQif](https://github.com/Kraymer/qifqif) which makes it easy to quickly
insert categories into a QIF file;
* [qif-split](https://github.com/ebridges/qif-split), a tool that I wrote,
which adds splits to QIF files according to some rules defined in a file.

After downloading transactions for my credit card & bank accounts in QIF
format, I first process the file with QifQif to match up every transaction
to one of my accounts from GnuCash.  QifQif supports using wild cards and
regexes for matching payees to accounts, and then adds the account as a
category to the QIF transaction.  

After categorization of the transactions, the files can be processed by
`qif-split`, and split according to predefined rules.  

I have been using `QifQif` for about a year, and have found it to be very
reliable and easy to work with.  In the past month, I began using
`qif-split` to allocate income and expenses to budget accounts.

The `qif-split` configuration rules splitting the incoming transactions are
twofold

1. Allocating income as credits to various envelopes, or 
2. Allocating expenses as debits to those same envelopes.  

These allocations are balanced with corresponding debits or credits to a
"Budgeted Cash" account.  Because of these balanced entries, the toplevel
"Budgets" account will always self-reconcile (i.e. its balance will always
be 0).  When the balance of a given budget subaccount ("envelopes") is
negative, then you've overspent that category.

By using `qif-split` to automatically generate split transactions, and by
altering my chart of accounts to roll up budgeted cash alongside the
budgeted expenses it makes envelope-style budgeting very straightforward in
GnuCash.




--
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GnuCash 2.7.4 Released

2018-02-03 Thread John Ralls
The Gnucash Development Team is pleased to release Gnucash 2.7.4, the fifth 
release of an unstable series leading to Gnucash 3.0

Notice that we've decided that beginning with the upcoming major release we 
will use two-digit release numbers and that the next stable release will be 
3.0. Maintenance releases will be 3.1, 3.2, etc. The next unstable release will 
be 3.900 and will lead to 4.0.

This release is UNSTABLE and SHOULD NOT BE USED in production.

This release changes file locations, binding APIs, report options, and can make 
your data file no longer compatible with previous versions. See the Update 
Notes Page for details.

See the KNOWN PROBLEMS list at the bottom of the announcement.

We appologize to translators, this release includes a few string changes: A 
couple of documentation strings for the Alphavantage API Key preference and 
some button mnemonic changes which change the msgid by adding an underscore.

New Features for Users

• A new preference panel for the Alphavantage API key so that 
Finance::Quote users need not edit /etc/gnucash/environment.
• On Macs the Reconcile Window's menu moved to the menubar.
• The detected Finance::Quote version is displayed in the About box.
• Removed all references to the various Yahoo! quote sources and made 
Alphavantage the default.
For Developers and Distro packagers:

• The autotools build system has been removed.
• Add a "pot" target to the build system so that translators can easily 
generate a new gnucash.pot from a git repository.
• Improve handling of generated distributable files
• Fix make dist on a clean checkout:
cmake with unix makefiles fails to resolve dist dependencies added from 
COPY_FROM_BUILD if these dependencies aren't built yet. This commit replaces 
the COPY_FROM_BUILD based logic with two new functions 'dist_add_configured' 
and 'dist_add_generated' to indicate which files should be included in the dist 
tarball. The latter also adds a target level dependency to the dist tarball 
custom command. Hence the former should be used for files that get generated 
during a cmake run while the latter should be used for files generated as the 
result of a 'make/ninja-build' run (like files for which an add_custom_command 
rule exists). Note: this commit also temporarily disables the dist target when 
building from a tarball (and hence it won't be tested in distcheck either). 
This will be handled in a future commit.

• Add DL_LIBS to gncmod-gnome-utils target. Fixes a build problem in 
FreeBSD.
• Detect presence or absence of libxml2 and makeinfo during 
configuration; abort if the first is missing and don't build the (mostly 
obsolete) texinfo documentation if the latter is. Document both in 
README.dependencies.
• Replaced Timespec with time64 in the Scheme and Python bindings, 
introducing many new C time64 functions to accomodate the replacement. Timespec 
will eventually be removed from the C API as well.
Bugs fixed in this release

• Bug 787497 - Disabling OFX, AqBanking or python-bindings support 
cripples the dist build target
• Bug 790526 - Mathematical bug Actually about the number of weeks 
from/to 1 Jan 1970.
• Bug 790845 - 2.7.3: massive test failures on some architectures
• Bug 792106 - Wrong dates displayed
• Bug 792809 - Register text difficult to read with GTK 3.0 dark themes 
Add a foreground css class to override the theme value.
• Bug 792947 - Missing translatable strings
Some other fixes not associated with reported bugs:

• The long-standing known problem, AQBanking setup crashing on Windows.
• Webkit crashing the MacOS Gnucash.app.
• Some Guile 2.2 issues are resolved.
• Some bugs in the new Transaction Report.
• Correct setting of WebKit version during configuration when the 
version is cached.
• The change to the Average Cost calulation introduced in 2.6.12 is 
reverted. See the extensive discussion in Bug 775368 for more information.
• Fix our appstream id as per the appstream recommendation
• Fix incorrect minimum dates in the net-linechart and net-barchart 
reports.
• Fix a report crash if the Account Depth is too low.
KNOWN PROBLEMS:

• Bug 789594 - Unable to overwrite splite3 database file
• Bug 791823 - There is no Gtk3 theme-setting tool for Windows.
• Bug 791825 - Accounting period dates off-by-1
Getting GnuCash for Windows and MacOS X

GnuCash is provided for both Microsoft Windows XP® and later and MacOS X 10.9 
(Mavericks)® 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.

SourceForge:

• Download GnuCash for Win32
• Download GnuCash for Mac-Intel
Github

• Download GnuCash for Win32
• Download GnuCash fo

Entering Budget Values

2018-02-03 Thread Bruce Clark
Today is my first day with GnuCash and everything was going well until I tried 
to enter budgets for my accounts. I have selected 2018 as my time frame (12 
periods). ‘Help’ says all I have to do is select a cell (month) and enter the 
value but I don’t have any cells. Where have I gone wrong?

Bruce Clark
bmclar...@comcast.net
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can i use to handle VAT?

2018-02-03 Thread Joanna Howells
I am new to accounting software so just wanted to know if gnucash 
handles VAT?  I may be asking a daft question, but the other free 
software I've looked at specifically says it does handle VAT but there 
is no mention that I can see in the description of gnucash.


look forward to hearing back from someone?  many thanks!

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RE: Entering Budget Values

2018-02-03 Thread Matt Graham
Hi Bruce!

Have you established your account hierarchy? The budget view should mirror your 
normal account hierarchy and allow you to enter values against each time 
period. So when you say ‘no cells’, do you mean you can see the accounts on the 
left and the periods along the top?

Additionally, do you have any hidden accounts? The default is no, so this 
shouldn’t be the problem, but accounts can be hidden so you don’t see them 
which could theoretically be why you aren’t seeing the cells.

Finally, are you Windows? There is a bug in windows whereby the display can be 
incredibly slow to respond. I have to click on a cell and wait almost a minute 
(no joke) before I can enter the value

Thanks and regards,

Matt

From: Bruce Clark
Sent: Sunday, 4 February 2018 2:24 PM
To: gnucash-user@gnucash.org
Subject: Entering Budget Values

Today is my first day with GnuCash and everything was going well until I tried 
to enter budgets for my accounts. I have selected 2018 as my time frame (12 
periods). ‘Help’ says all I have to do is select a cell (month) and enter the 
value but I don’t have any cells. Where have I gone wrong?

Bruce Clark
bmclar...@comcast.net
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RE: Future allocated money vs Budgets

2018-02-03 Thread Matt Graham
Welcome to the discussion!

So if I understand correctly, you have written scripts to automate the use of 
extra accounts to track allocated money? That was the line I was going down too 
(except building them into GNUCash), but Chris Lam’s discussion on “Budget 
transactions” is starting to look to me like a simpler and more elegant way to 
do what we want, whilst fitting in with other uses of budgets and automating 
what we want... Have a look on the Dev list for more details – can’t remember 
how much he posted on the user list about it.

Thanks and regards,

Matt

From: ebridges
Sent: Sunday, 4 February 2018 11:39 AM
To: gnucash-user@gnucash.org
Subject: Re: Future allocated money vs Budgets

Sorry for the delayed response, just managing to catch up on this thread.

I've been looking at how to do envelope-style budgeting for my personal
finances using GnuCash for about 6-7 months.  Like you, this began with this
article from 2008 "[Better Budgeting with
GnuCash"](https://nam03.safelinks.protection.outlook.com/?url=http%3A%2F%2Fallmybrain.com%2F2008%2F12%2F15%2Fbetter-budgeting-with-gnucash%2F&data=02%7C01%7C%7C9b6d2224a4b3476a8f9b08d56b67cddb%7C84df9e7fe9f640afb435%7C1%7C0%7C636533015939354212&sdata=frZ3TUMhMzf%2FA2zBxsSTJZLW5UYLhrctdjhiXmgtvwE%3D&reserved=0).

After toying around with that approach, I decided there were two drawbacks
to it:

1. It was tedious.  Manually creating a split for every expense to draw down
budget accounts ("envelopes") that were allocated previously, was super
boring and error prone.  In addition, because of the detailed nature of
doing this work, one would be discouraged from allocating all of your income
to different "envelopes".
2. It was fragile.  By treating "Budgeted Cash" as an asset made allocated
money difficult to reconcile to money that was drawn out of your budget
accounts.  A useful insight in that article is to consider a budget account
as a liability.  However, it categorizes budgeted cash as an Asset, when it
is more useful to consider it also as a liability.  Doing so allows you to
reconcile allocated money to monies spent out of the "envelopes".

For the past month, I've been able to apply an approach to my existing
reconciliation process that I believe will prove to be a very useful and
easy to manage approach to envelope budgeting for personal finance.

To simplify allocating income and expenses to envelopes I use two tools:

* 
[QifQif](https://nam03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fgithub.com%2FKraymer%2Fqifqif&data=02%7C01%7C%7C9b6d2224a4b3476a8f9b08d56b67cddb%7C84df9e7fe9f640afb435%7C1%7C0%7C636533015939354212&sdata=pGZVbq9N4uDjNAI2fJg0WroQ2t4MpcVUpqglYYVmmuw%3D&reserved=0)
 which makes it easy to quickly
insert categories into a QIF file;
* 
[qif-split](https://nam03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fgithub.com%2Febridges%2Fqif-split&data=02%7C01%7C%7C9b6d2224a4b3476a8f9b08d56b67cddb%7C84df9e7fe9f640afb435%7C1%7C0%7C636533015939354212&sdata=eSOJkz3h29fzh4kHHVH5xf6sYk4Do7LBns%2B3jBCtfzA%3D&reserved=0),
 a tool that I wrote,
which adds splits to QIF files according to some rules defined in a file.

After downloading transactions for my credit card & bank accounts in QIF
format, I first process the file with QifQif to match up every transaction
to one of my accounts from GnuCash.  QifQif supports using wild cards and
regexes for matching payees to accounts, and then adds the account as a
category to the QIF transaction.

After categorization of the transactions, the files can be processed by
`qif-split`, and split according to predefined rules.

I have been using `QifQif` for about a year, and have found it to be very
reliable and easy to work with.  In the past month, I began using
`qif-split` to allocate income and expenses to budget accounts.

The `qif-split` configuration rules splitting the incoming transactions are
twofold

1. Allocating income as credits to various envelopes, or
2. Allocating expenses as debits to those same envelopes.

These allocations are balanced with corresponding debits or credits to a
"Budgeted Cash" account.  Because of these balanced entries, the toplevel
"Budgets" account will always self-reconcile (i.e. its balance will always
be 0).  When the balance of a given budget subaccount ("envelopes") is
negative, then you've overspent that category.

By using `qif-split` to automatically generate split transactions, and by
altering my chart of accounts to roll up budgeted cash alongside the
budgeted expenses it makes envelope-style budgeting very straightforward in
GnuCash.




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