[GNC] Fund management without an actual account

[Alan Johnson]

I would suggest a sub account under your bank account, which will have the effect of reducing your available cash balance, so you don't spend it.

If you need to spend it, then you can transfer from assetts:savings:vacation to assetts:checking to spend it.

Also, you could open another savings account at your bank to save / lay away for things. While you would have a single account at the bank, sub accounts in gnucash could track this savings account easily, do to the few transactions it will have, and not confuse the bookkeeping in the checking account which will have more transactions. 

This would also report correctly in your various reports.