simonmichael · March 20, 2025 08:52 · Jan 15, 2016 · Jan 15, 2016 · Jan 15, 2016 · Jan 15, 2016
diff --git a/envelope-budgeting.journal b/envelope-budgeting.journal
@@ -135,9 +135,7 @@
     [assets:business:bank:wf:bchecking:available]         $12.33
     [assets:business:bank:wf:bchecking:month:books]      -$12.33
 
-; Check your envelope balances periodically.
-; Try to keep spending envelopes above zero, and to
-; avoid unplanned withdrawals from savings envelopes.
+; Check your envelope balances periodically:
 ;
 ; $ hledger bal checking:
 ;             $2272.67  assets
@@ -206,3 +204,6 @@
 ; or (good for reviewing transactions):
 ;
 ; $ hledger-ui checking:
+
+; Try to keep spending envelopes above zero, and to
+; avoid unplanned withdrawals from savings envelopes.
diff --git a/envelope-budgeting.journal b/envelope-budgeting.journal
@@ -135,7 +135,9 @@
     [assets:business:bank:wf:bchecking:available]         $12.33
     [assets:business:bank:wf:bchecking:month:books]      -$12.33
 
-; Check your envelope balances periodically:
+; Check your envelope balances periodically.
+; Try to keep spending envelopes above zero, and to
+; avoid unplanned withdrawals from savings envelopes.
 ;
 ; $ hledger bal checking:
 ;             $2272.67  assets

diff --git a/envelope-budgeting.journal b/envelope-budgeting.journal
@@ -142,7 +142,7 @@
 ;              $340.58    business:bank:wf:bchecking
 ;              $152.91      available
 ;              $117.67      month
-;               $-2.33        books
+;               $-2.33        books      <- overspent already
 ;               $10.00        dues
 ;               $40.00        equipment
 ;               $20.00        online
@@ -204,5 +204,3 @@
 ; or (good for reviewing transactions):
 ;
 ; $ hledger-ui checking:
-
-
diff --git a/envelope-budgeting.journal b/envelope-budgeting.journal
@@ -55,6 +55,13 @@
 ;       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)
@@ -99,7 +106,11 @@
     [assets:personal:bank:wf:checking:year:vacation]         $50
     [assets:personal:bank:wf:checking:available]          $-2000
 
-; Then update appropriate envelopes as transactions are made:
+; 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
@@ -124,11 +135,74 @@
     [assets:business:bank:wf:bchecking:available]         $12.33
     [assets:business:bank:wf:bchecking:month:books]      -$12.33
 
-; etc.
-
-; to check status:
+; 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
+;               $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:
 
 
diff --git a/envelope-budgeting.journal b/envelope-budgeting.journal
@@ -1,8 +1,8 @@
 ; An example of YNAB-ish envelope budgetting with hledger/ledger
 ; cf https://github.com/simonmichael/hledger/issues/315
+
+; Using accounts like the following:
 ;
-; Accounts overview:
-; $ hledger -f data/envelope-budgeting.journal accounts --ignore --tree
 ; assets
 ;   business
 ;     bank
@@ -99,7 +99,7 @@
     [assets:personal:bank:wf:checking:year:vacation]         $50
     [assets:personal:bank:wf:checking:available]          $-2000
 
-; update appropriate envelopes as transactions are made:
+; Then update appropriate envelopes as transactions are made:
 
 2016/1/1 * automatic savings transfer
     assets:personal:bank:wf:checking:month:autosave
@@ -126,3 +126,9 @@
 
 ; etc.
 
+; to check status:
+; $ hledger bal checking:
+; or (good for reviewing transactions):
+; $ hledger-ui checking:
+
+
diff --git a/envelope-budgeting.journal b/envelope-budgeting.journal
@@ -1,7 +1,7 @@
 ; An example of YNAB-ish envelope budgetting with hledger/ledger
 ; cf https://github.com/simonmichael/hledger/issues/315
 ;
-; Accounts used below:
+; Accounts overview:
 ; $ hledger -f data/envelope-budgeting.journal accounts --ignore --tree
 ; assets
 ;   business

diff --git a/envelope-budgeting.journal b/envelope-budgeting.journal
@@ -1,5 +1,59 @@
 ; An example of YNAB-ish envelope budgetting with hledger/ledger
 ; cf https://github.com/simonmichael/hledger/issues/315
+;
+; Accounts used below:
+; $ hledger -f data/envelope-budgeting.journal accounts --ignore --tree
+; assets
+;   business
+;     bank
+;       wf
+;         bchecking
+;           available
+;           month
+;             autosave
+;             banking
+;             books
+;             dues
+;             equipment
+;             online
+;             research
+;             software
+;             supplies
+;           year
+;             conferences
+;             education
+;             legal/accounting
+;   personal
+;     bank
+;       wf
+;         checking
+;           available
+;           month
+;             autosave
+;             clothing
+;             food
+;             gifts
+;             health
+;             home
+;             personal care
+;             phone
+;             recreation
+;             spiritual
+;             transport
+;           year
+;             vacation
+;         savings
+;           reserve
+; expenses
+;   business
+;     books/periodicals
+;     online
+;       hosting
+;   personal
+;     food
+;       dining
+;       snacks
+;     gifts
 
 ; at the start of each month, zero out any overspending from last month:
 

diff --git a/envelope-budgeting.journal b/envelope-budgeting.journal
@@ -0,0 +1,74 @@
+; An example of YNAB-ish envelope budgetting with hledger/ledger
+; cf https://github.com/simonmichael/hledger/issues/315
+
+; 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: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
+
+; etc.
+