On Mon, 14 Aug 2006 15:58:12 -0400, Ron Rosenfeld <ronrosenfeld[at]nospam.orgwrote:

- quote -

Well, I canceled this series of APAY's.

Then, from the Bills screen, I created a new series of Transfers, of type APAY,
and the problem alluded to above has been corrected.

Other accounting programs I've used don't allow the creation of illogical
entries. <sigh

--ron

On Tue, 15 Aug 2006 19:15:34 -0400, "Chris Cowles"
<spam_magnet[at]remove-me-bellsouth.net> wrote:

- quote -

I did do that, in Money 2003, prior to the conversion to Money 2007. I was not
able to do that in Money 2007 as the program would crash whenever I would enter
the Bills page. (I now think that crash may have been due to a different
program on the computer, which interferes with M2007 but not with M2003, but
that is still in the troubleshooting process).


- quote -

I *assumed* I could not change the category because when I typed into the
category field "transfer: xxx checking" I received an error message that said
"You cannot create a new transfer on this page".

Is there some other method of accomplishing this task of which I am unaware?


--ron

Dick's impression is correct. Because the bill is not categorized it only
affects one account, negatively.

Never nuke bills or delete apays or epays without first cancelling those at
the bank.

For the purpose of cash flow and budget, apay=epay.

I'm puzzled that you can't change the category. You should be prevented
from changing the payee, frequency, pay date, and amount, but should be
able to revise the category including creating a split. Did you assume you
can't change category because you can't change the payee? Look again?
--
Chris Cowles
Gainesville, FL



"Ron Rosenfeld" <ronrosenfeld[at]nospam.org> wrote in message
news:3cd3e29thavobir6ov57ofsbae09q3ts5o[at]4ax.com...
- quote -

Probably.

"Ron Rosenfeld" <ronrosenfeld[at]nospam.org> wrote in message
news:3cd3e29thavobir6ov57ofsbae09q3ts5o[at]4ax.com...
- quote -

On Mon, 14 Aug 2006 23:18:22 -0600, "Dick Watson"
<littlegreengecko[at]mind-enufalready-spring.com> wrote:

- quote -

Thanks for that suggestion.

I assume you mean APAY where you wrote EPAY.

In a few days, when I'm sure the transaction has cleared both banks, I'll
cancel and reschedule.

This actually got "nuked" in the "delete all bills" process, but then got
recreated when Money connected to CheckFree, so an error could have crept in
there.


--ron

I think your Epay item was setup wrong in the first place. The reason it's
showing up in Checking is you are downloading it. They aren't both halves of
the same transactions. They are two totally separate transactions, one of
which Money know nothing about to forecast. At least that's what I think.

I don't Epay from Money, so I'm no expert. I *think* you can't change one of
these once setup form Money unless you cancel it and re-create it. Next time
be sure to set it up as a Scheduled Transfer before telling Money it's an
Epay.

"Ron Rosenfeld" <ronrosenfeld[at]nospam.org> wrote in message
news:ch62e2hblq1ll505117ruh7bbo1sl2kf4a[at]4ax.com...
- quote -

On Mon, 14 Aug 2006 20:09:26 -0400, "Chris Cowles"
<spam_magnet[at]remove-me-bellsouth.net> wrote:

- quote -

Both accounts are included.

The Category field is blank.
On the "Bills" page I cannot change it.

--ron

How is the bill categorized in the bill scheduler? Is both accounts
included in your cash flow forecast?

"Ron Rosenfeld" <ronrosenfeld[at]nospam.org> wrote in message
news:vvk1e2lfjssr38982kv5f6ud4rjiv61096[at]4ax.com...
- quote -

Well, now that I'm looking more closely, I see a different issue.

Yours and Chris's suggestion helped with the credit card issue.

However, I have a particular transaction that is messing things up.

I have two checking accounts, at two different banks. I have an APAY set up to
transfer funds from one account to the other, at monthly intervals.

The transfer out is accounted for by the cash flow, but the transfer in is not
until it actually appears in the check register.

These transfers are to fund regular mortgage payments, so the second account
shows a steadily decreasing balance.

Any thoughts?

Thanks.

--ron

On Sun, 13 Aug 2006 19:11:41 -0600, "Dick Watson"
<littlegreengecko[at]mind-enufalready-spring.com> wrote:

- quote -

--ron

You set up the recurring scheduled payment to be a Transfer or Credit Card
Payment from some account like a checking account ***to*** the credit card
account. That should reflect in the forecasts for BOTH accounts. Please see
http://umpmfaq.info/faqdb.php?q=167 as well as this highlights one way Money
can really encourage you to screw this up.

"Craig Hartel" <Craig Hartel[at]discussions.microsoft.com> wrote in message
news:8E75A1E5-666C-47B5-9D74-8E7958F51B59[at]microsoft.com...
- quote -

I am having the same problem as the original poster. It's as if during the
cash flow it doesn't take into account past credit card payments and
anticipates them in the future, so the credit card balance keeps going more
negative, even triple my credit limit on some cards, I wonder why it doesn't
download that information when you download the data.

How are you supposed to categorize a payment in the credit card register?
It suggests credit card payment/transfer, but it counts it as an expense, and
if i confirm it some other time it tells me that.. When I try to categorize
it as a special transaction: "credit card payment: discover card" it says
it cannot pay itself.

Also I guess I could set up a recurring payment for the card, but in the
cash flow it doesn't take the money out of a checking account or whatever
from that future payment date on paper, does it? So you end up with more
money in your checking account down the road in the cash flow than you
should.

"Chris Cowles" wrote:

- quote -

On Sun, 13 Aug 2006 23:02:52 -0400, "Chris Cowles"
<spam_magnet[at]remove-me-bellsouth.net> wrote:

- quote -

Thank you Chris and Dick,

I would have thought that either the "pay off each month" or scheduling
payments in the DRP options would affect the cash flow appropriately for these
accounts.

I guess that's too much to hope for in a "sophisticated" financial program :-((

I'll try the scheduling regular payments option.

Thanks.

--ron
--ron

Estimate your monthly payment and schedule a credit card payment (transfer)
for that amount. If you've designated that credit card account as the
source of relevant category expenses, the balance should be relatively
stable. Assuming continuous use, it never will be $0.
--
Chris Cowles
Gainesville, FL



"Ron Rosenfeld" <ronrosenfeld[at]nospam.org> wrote in message
news:2egvd2lgidgfmn5gjkj85dqoo6e50kt4k9[at]4ax.com...
- quote -

I don't think that setting in the Account Settings (nee Details) for the
Credit Card Account does much of anything elsewhere. I think it's just
stored for convenience. Certainly not in Forecast Cash Flow that I'm aware
of. The setting may go somewhere in DRP; even that I'm not sure of. I think
it's just stored for convenience; kinda like phone number and web site
address.

When you look in the transactions box below the cash flow graph, what
forecast transactions do you see for the account? These should be consistent
with the graph and should help you understand how it does what it does.

My two primary credit card accounts both shows a progressively increasing
(toward positive or lesser liability) balance. Why? I have a number of
transactions scheduled to occur in these accounts that are charge
(increasing liability) transactions. But I also have a self-selected average
amount scheduled to transfer to these accounts once per month to represent
the payment. The scheduled items are NOT the only items that get charged to
the accounts in a given month. They are just the ones I can schedule. The
scheduled average payment/ transfer reflects my expectation for the
scheduled amounts (taken into account by FCF) and the unscheduled ones (not
taken into account by FCF since I do not have FCF reflect budgeted/trended
items).

"Ron Rosenfeld" <ronrosenfeld[at]nospam.org> wrote in message
news:2egvd2lgidgfmn5gjkj85dqoo6e50kt4k9[at]4ax.com...
- quote -

I am delving into the cash flow module a bit more deeply this year.

It seems that, although I have checked to "pay off balance in full each month",
my cash flow does not reflect the payoff. My credit card accounts show a
progressively increasing (negative) amount.

Is there something I'm doing wrong? Or is this a "feature" with a reason of
which I am unaware?

I am using advanced budgeting. It does not seem to make any difference if I
select to use budgeting or "past trends"; or if I have the credit card accounts
listed in the debt reduction planner or not.

Thanks
--ron