I'm not a big fan of how Advanced Budget (AB) does a lot of things. The
Transfers In/Out are, as near as I can tell an accommodation to people who
think that a budget that shows $10 of income and $6 of expenses means they
have $4 to spend and ignore the fact that that is savings. Money's handling
of scheduled Loan Payments seems dumb to me. They put the entire thing in
"Debt" and mask the Interest Expense (the only expense involved here).
Personally, I also despise the tight coupling between scheduled stuff and
Advanced Budget. Something scheduled should not be considered "In Budget" by
definition as I view the problem. But Money doesn't work that way.

See more inline as you ask lots of questions.

"NW" <NW[at]discussions.microsoft.com> wrote in message
news:7711FE96-11E2-427D-B736-74EA0EFAA6A7[at]microsoft.com...
- quote -

See above. The normally scheduled loan payments (usual caveats of advanced
budget, advanced bills, advanced register, loan setup to track all
transactions and so forth apply) should show up under the Debt heading. My
experience is that this also includes extra Loan Payment Principal Transfer
amounts if such are scheduled.

- quote -

How do you do this? If the Mortgage is a Loan Account, the ONLY way I know
of to Transfer Money to it is as a Loan Payment component Principal
Transfer. (You haven't mentioned your version in this thread. I'm assuming a
recent one. Way back when many versions ago, you could do a simple Transfer
to a Loan Account.) My supposition is that this should then show up as a
Debt. Can't say it does for sure in your version or how you have setup the
Principal Transfer. In my case, I have one scheduled Loan Payment that has
an extra Principal Transfer line. The whole amount, both Principal Transfer
components and the Interst component, show up under Debt.

- quote -

Here is why this is needed. Most people have a mortgage, in the budget the
monthly mortgage payment gets added to a budget (under debt). What happens
if you make additional principle payments, or incase of a budget plan to make
them? They show up as transfers out of budget account. Why is this? You
cannot setup the mortgage as a budget account, yet your mortgage payment is
part of the budget. What happens if you want to make an extra payment once a
year or more often? If set the extra mortgage as a bill then the extra
payment does not reflect in the mortgage itself, if you set it up as a
transfer, from primary account to mortgage account, then the budget does not
show it as a payment, only as a transfer. Why is it that a mortgage payment
is budget but if you want to make extra payments then it’s not part of the
budget? I have not checked this for other types of loan payments. But from
what i see you can only have the monthly payment done but if you make extra
payment you cannot. If it was just a transfer out of the budget into some
savings account or to retirement account this would not be such an issue.
They money is still there. In this case the money is no longer there, so
it’s not just a transfer out of budget accounts it’s a payment but you cannot
categorize it as such because transfers cannot be categorized. If you know
away around this please let me know.

"Dick Watson" wrote:

- quote -

Please do not vote for this suggestion. A Transfer is NOT an income or
expense and it shouldn't be budgeted. It makes you neither richer nor
poorer. It is a cash flow management issue. It isn't a budget issue.

Money slips further and further into "feel good accounting" with each
version. Don't encourage this trend by voting for this suggestion.

This message brought to you by The Committee for A Serious Money
Application.

"NW" <NW[at]discussions.microsoft.com> wrote in message
news:568C6749-8B29-45A0-9D4F-15B6CE7CCC45[at]microsoft.com...
- quote -

Currently in the budget you are not able to categorize planned transfers in
and out of budget account. It lumps all of them into one category. These
should be categorized just like any other expense/income.

Specifically related to extra principle payments on a morgage. These are
clasified in the same group as transfers out of budget and there is not an
accurate representation of the transfers in reporting.


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