[GNC] Next-level Budgeting

[R Losey]

I used to use Quicken's budgeting features, but found it buggy and it would
mislead me... so I moved the budget to a spreadsheet. I then run reports in
GnuCash to look at my expenditures and compare them to the spreadsheet.

I'm doing a fixed amount per month because it is easier... but a better
budget would be to also have seasonal changes - for example, if one has gas
heat one only has gas utility expenses in the cold months. Expenses
associated with lawn care don't occur (very much) in the winter.

It's just a little more trouble to set up a variable budget than what I
have now; so far, it is not worth the effort.... maybe someday.


On Sat, Apr 15, 2023 at 4:17 AM flywire <flywire0 at gmail.com> wrote:

> How do people do their budgeting? Budgets need planning, reporting, and
> revising based on actual transactions. GnuCash reports of past transactions
> can help budget and a cashbook is best positioned for reporting budget
> compared to year-to-date amounts.
>
> A monthly budget simply dividing annual income and expenses by 12  is
> normally convenient for a quick look but if cash flow is really tight you
> might want next-level budgeting. You can align budget periods with regular
> income periods, maybe fortnightly. If you plan to use a tax refund to pay
> for a holiday it is no good if the expense occurs at the start of the month
> and the income is received at the end.
>
> [snipped]

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-- 
_________________________________
Richard Losey
rlosey at gmail.com
Micah 6:8