Financier Forums

I store money for long-term categories in a savings account. This is made up of a combination of category balances (emergency fund, buffer, vacation fund, shiny stuff etc).

I know the categories balance (C1, C2, C3, C4, C5) = Account Balance

My enhancement request would be to provide the functionality to create virtual accounts/categories that are made up of common mathematical operators in conjunction with any combination of  Category Budget, Category Outflow, Category Balance, Total Balance, Total Outflows, Total Budgeted, Account Balance, Account Cleared, Account Uncleared.

This would allow me to monitor and track all sorts of balance subsets automatically without having to do the maths, especially as they change regularly. I have a 4-month-old and 2.5 yr old. I'm so tired.

For example, my wife and I have retirement funds in multiple accounts, 6 I think, - Virtual Accounts will allow me to bundle those together.

My true Buffer balance is a combination of many categories and account balances. Answer? Virtual Accounts (I think).

Or am I just looking at my budget incorrectly; I really should be [insert other option...]

I have added the Stylish styles to userstyles.org so that they can be found and (sometimes) show up in the library tab of the plugin.

- Smaller Financier - shrinks some fonts and spacing
- Blue Financier - dark blue theme
- nYNABish - theme based on nYNAB

@cracksys You created an excellent take on YNAB4 style, but it has elements that cannot be uploaded.

For others interested in the YNAB4 style, here is his code:
@import url('https://fonts.googleapis.com/css?family=Quicksand:500|Lato|Clear+Sans+Pro|Nunito+Sans');
@import url('https://fonts.googleapis.com/css?family=Open+Sans&text=1234567890');

@font-face {
  font-family: 'Open Sans';
  font-style: normal;
  font-weight: 400;
  src: local('Open Sans Regular'), local('OpenSans-Regular'), url(https://fonts.gstatic.com/l/font?kit=56hreGcsKW_5tYMq1kGVlI1gxl0b5o72Zj2IMmSm8lM&skey=62c1cbfccc78b4b2&v=v14) format('woff2');
}

body, button, html, input, select, textarea {
    font-family: 'Open Sans','Quicksand','Nunito Sans','Lato';
}

.app-view__sidebar {
background: -webkit-linear-gradient(top, rgba(42,148,195,1) 0%, rgba(46,152,200,1) 100%);
background: linear-gradient(to bottom, rgba(42,148,195,1) 0%, rgba(46,152,200,1) 100%);
}

.app-view__links {
    background: #1A6F9D;
    border-style: solid;
    border-width:1px;
    border-color: #2B95C4;
    border-radius: 8px;
    margin: 5px 5px 5px 5px;
}

.app-view__accounts-list-border {
    background: #1A6F9D;
    border-style: solid;
    border-width:1px;
    border-color: #2B95C4;
    border-radius: 8px;
margin: 5px 5px 5px 5px;
}

.account__tr--stripe {
    background: #EDF6FB;   
}

.account__th {
background: -webkit-linear-gradient(top, rgba(103,114,120,1) 0%, rgba(77,90,97,1) 100%);
background: linear-gradient(to bottom, rgba(103,114,120,1) 0%, rgba(77,90,97,1) 100%);
}

.account__tbody {
    background: #FFFFFF;
}

.account__add-button {
color: #000000;
}

.app-view__title {
    background: rgba(42,148,195,1);
    color: #fff;
}

.app-view__sidebar-footer {
    background-color: rgba(46,152,200,1);
}

.sync-status {
    margin: 5px;
}

.app-view__sidebar-footer-button {
    background-color: rgba(46,152,200,1);
}

.app-view__sidebar-footer--logged-in:hover .app-view__sidebar-footer-button {
    background-color: #00596f;
}

.budget__thead {
    background-color: #DBDBDB;
}

.month-overview__month-overview--old {
    background-color: #5C666D;
}

.month-select__control {
background: -webkit-linear-gradient(top, #D6D6D6, #C7C8C7);
background: linear-gradient(to bottom, #D6D6D6, #C7C8C7);
    border-width:1px;
    border-style:outset;
}

.month-select__month {
    background: #49575E;
}

.month-select__month:hover {
    background: #49575E;
    opacity: 0.7;
}

.month-select__year {
    background-color: #2B3335;
}

.month-select__month:hover,
.month-select__year:hover,
.month-select__control:hover {
    opacity: 0.8;
}

.month-select__month--selected {
    background-color: #0082CB;
}

.month-overview__cell-head {
background: #EEF5E7;
    margin: 0px 0px 4px 0px;
}

.month-overview__month-overview {
    border-style: solid;
    border-width:1px;
    border-color: #2D3236;
    border-radius: 5px;
    margin: 4px 2px 4px 2px;
}

.budget__categories-label {
    color: #000000;
}

.budget__master-category-label {
background-color: #E6F4FB;
    border-width:1px;
    border-color:#2DB6E7;
border-top-style: dotted;
    border-bottom-style: dotted;
}

.budget__month-cell--input input {
    border: 1px solid rgba(58, 186, 232, 0.75);
}

.budget__category-label {
    font-size: 0.9em;
}

.account__td {
    font-size: 0.925em;
}

.month-overview__month-total {
    color: #ADCD5C;
font-weight: bold; 
}

.month-overview__month-total--negative {
    color: #ff4c4c;
font-weight: bold; 
}

.budget__cell-input,
.budget__month-cell--display {

}
Disclaimer: I am nothing more than a tinkerer so my code is likely messy and malformed.

Good morning all,

Now that I am in a good financial position (emergency fund, buffered, debt free (except mortgage) I have begun looking at maximising my investments/retirement savings. I am struggling to find a way to maximize them (you know, life) so I am curious are you all?

• Who is using what investment vehicles?
  
• Are you maxing out annual contributions?
  
• How old are you (if willing to share)?
  

Individual Max Annual Contributions (2017):
401k: $18,000
Roth IRA: $5500
HSA: $3400

Total: $26900

Over 50/55 Additional Catch up (2017):
401k (50yrs): $6,000
Roth IRA (50yrs): $1000
HSA (55yrs): $1000

Total: $8000

I fear I have depleted my buffer so I am trying to figure it out. I am tired so I am self doubting. I think the calculation is this:

Balance of On-Budget Accounts (x)

divided by

Monthly Budget (y)

=  (z) months of buffer

Is that correct?

A (27yr old) friend started discussing his financial woes with me and I shared my success with YNAB. I pointed him towards their website to learn the strategies but encouraged him to use Financier as the tool. I want to ensure he picked it all up and work with him build a strategy to financial security and not live pay check to pay check. I am thinking about educating him on the following and using Financier but want to start a conversation with you all and develop this for him but also, as other posts have mentioned, for those that are new to Financier and haven't been through YNAB first.

• List of all accounts, balances, assets, debts, liabilities, savings, investments and income.
• Understand the definition of budget
• Create a budget: Spend less than you earn
• Plan for and expect surprises
• Track expenditures regularly
• Pay off Debt
• Save to Buffer
• Review and Refine

So I have been using Project Fi (https://fi.google.com) for about a year now and love it, so much cheaper, no fuss and always good service. Google just announced a referral program giving $20 off to each of us so I thought I would share mine in case anyone is on the fence:

https://g.co/fi/r/RWN1J1

On the account manifest:


1. I know you are working on a "cleared" keyboard shortcut - excited!
2. If I click "cleared" I cannot [Enter] to Save/Save Add the transaction. Is it possible to add that specific functionality?