Maybe I'm not clear on what you are trying to do.

A general rule is that trying to use Money to simultaneously do real
accounting and cookie-jar accounting doesn't work too well as you are
finding out. This sounds like it's 100% motivated as a personal habits
modifier not an accounting scheme. That's not bad, per se, but trying to mix
that with real accounting doesn't work so hot.

Why can't you void the transactions that aren't real and are reflected in
your real statement? This might leave some unreconciled imaginary
transactions as uncleared/unreconciled. So?

Perhaps you want to consider transfers (4x per month) to a fake holding
account and then you could do the real payment as a split, $x transfer
to/expense of the real bill, ($x) transfer from the holding account?

"Challagar" <Challagar[at]discussions.microsoft.com> wrote in message
news:CC481CEA-9005-453A-A1D9-7F1113A3F3C4[at]microsoft.com...
- quote -

If all my bills were due on the same date, this would be ok, but one bill is
due on the 23rd, one is due on the 30th, one is due on the 5th, one is due on
the 12th (some of them varying from month to month). My statement is
processed and mailed on the 25th. By the time the last bill on my saving
schedule rolls around, I already have a couple of weeks worth of "imaginary"
transactions accumulated that I cannot just void off because I still need
them for upcoming bills.

Also, I set aside money to be deposited into my paypal account [for online
purchases (where accepted), registration, hosting, etc.] and I also use it
(before depositing) for padding in case of unexpected expenses. Of course,
I have considered using Paypal for saving for my monthly bills, but I don't
think it is such a good idea because none of my bills allow Paypal for
payment and because of the 3 day wait period before the transactions are
processed (both ways).





"Dick Watson" wrote:

- quote -

In microsoft.public.money, Dick Watson wrote:

- quote -

You can void a non-epay downloaded transaction. So you could void
downloaded check, deposit, dividend, etc.

So, you have four transactions for, say, $80 in place of one for $320? If
you aren't downloading data, this is easy. You just reconcile the four for
the one and be done with it.

If you are downloading data, this will get harder because the most basic
presumption of downloading transaction data is that the bank's data is
GOSPEL.

I don't believe you can Void a downloaded transaction. But you could void
the other four.

"Challagar" <Challagar[at]discussions.microsoft.com> wrote in message
news:88A62DCD-155D-46B8-9226-21793D9B0F7F[at]microsoft.com...
- quote -

BTW, I am using Microsoft Money 2007 Deluxe

"Challagar" wrote:

- quote -

I budget my money for bills and savings by making weekly "imaginary"
transactions for equal amounts that total up to the monthly bill that I am
budgeting for. The downside to this is that it makes balancing my account a
pain. Is there a way to make "imaginary" transactions for budgeting purposes
without the transactions scewing the results of reconciling my bank
statements?

In other words, I want to be able to make transactions that are not
calculated in account reconciliations. Is there a way to do this? Perhaps
with an option in each category for exclusion from reconciliation or
something along that line?