[GNC] Household monthly reporting

[Ed Greenberg]

Hi Tom,

Almost always, I am entering transactions as a single set of entries. Debit
expense and credit the credit card liability. Occasionally, something has
to be split. For instance, I split the cable bill between TV and internet.

The main issue for me is not the level of detail that you have described,
but trying to capture the fact that I paid a mixture of expense and
liability as part of the monthly cash flow.

Ed

On Sat, Sep 20, 2025, 04:56 Tom Route-36 <tom.route36 at gmail.com> wrote:

>
> Hi Ed,
>
> When you enter transactions into your credit card account or checking
> account are you ITEMIZING each transaction IN DETAIL?  For example, if I
> have a credit card transaction for repairing a vehicle at a repair shop,
> I will have MULTIPLE splits in the ONE transaction that I enter into my
> credit card account.  And each of those splits will reference my
> vehicle's Expenses:Auto:Repairs account.  One of the Repairs splits
> might be the cost of replacing the washer pump. Another of the Repairs
> splits might be for lubing the axles.  A third split might be for
> replacing a drive belt.  All three of those splits are listed in that
> one transaction in my credit card account.  But each of those three
> splits are also now recorded against that Repairs account.
>
> So if I go and look at my Expenses:Auto:Repairs account I'll see all
> three splits there as well.  And if I want an itemized report of
> everything I spent on my vehicle, I just go and print out a Cash Flow
> report of my Expenses:Auto:Repairs account.  That will show every item
> that I spent money on in detail.  The main point though is that you need
> to record ALL that information in detail up front when you record that
> single transaction in your credit card account.  Otherwise it won't be
> there in detail when you go to look in your Repairs account later.
>
> Tom
>
>
>
> On 9/19/2025 11:23 PM, Ed Greenberg wrote:
> > I'm trying to do a household monthly report. I've considered both the
> > income statement and the cash flow report. Here are my results:
> >
> > Income statement: Very good report, but doesn't include the principal
> > and escrow portions of my mortgage payment. Only the interest. So the
> > P&L doesn't tell me if I'm overspending.
> >
> > Cash flow report: I set this for my checking account. The cash flow in
> > and out shows what I spent out of my checking account, including
> > mortgage principal, interest and escrow,  but much of my spending was on
> > a credit card. I pay the entire credit card balance, so it shows up as a
> > cash flow item, but there is no itemization. If I were carrying a
> > balance, I'd have more of a problem using this to manage my spending.
> >
> > So what I want is a report of all my spending: credit card, checking
> > account, one liability debit (mortgage loan) and one asset debit
> > (mortgage escrow.) This would show me whether I had overspent my income
> > or not, and by how much.
> >
> > Is this even possible?
> >
> > Thanks,
> >
> > Ed Greenberg
> >
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