From f90887de0ff5dd7bb1879ed820e4247f7a89c5a9 Mon Sep 17 00:00:00 2001 From: youngcw Date: Wed, 8 Jan 2025 11:44:51 -0700 Subject: [PATCH] add by spend --- docs/experimental/goal-templates.md | 19 +++++++++++++++---- 1 file changed, 15 insertions(+), 4 deletions(-) diff --git a/docs/experimental/goal-templates.md b/docs/experimental/goal-templates.md index e2d81757..79524a80 100644 --- a/docs/experimental/goal-templates.md +++ b/docs/experimental/goal-templates.md @@ -161,8 +161,19 @@ In that case use the following variation: |#template 500 by 2025-03 repeat every year | $ 166.66 | Assuming starting in January 2025 | |#template 500 by 2025-03 repeat every year | $ 41.66 | All months after March 2025 | +#### By Spend +The By template can be extended to allow some of the funds to be spent along the way. +This is most commonly used for holiday savings where you will spend some of the money in the months leading up to the holiday. +An example of this is buying Christmas gifts in November and December. +The table below shows how this works. + +|Syntax| Budgeted Amount | Spent so far| New Balance| Note | +|---|:---:| :---: | --- | --- | +|#template 500 by 2025-12 spend from 2025-11| $ 41.66 | 0 | previous + $ 41.66| Assuming starting in January 2025, all months before December | +|#template 500 by 2025-12 spend from 2025-11| $ 41.66 | $ 100 | $ 400 | Assuming the beginning of December, but have not spent anything in December yet | + #### Available variations -Below is a table of the varations +Below is a table of the varations of the By template. |Syntax|Description|Example Application| @@ -171,14 +182,14 @@ Below is a table of the varations |#template 500 by 2025-03 repeat every 6 months|Break down large, less-frequent expenses into manageable monthly expenses|Biannual credit card fees |#template 500 by 2025-03 repeat every year|Break down large, less-frequent expenses into manageable monthly expenses|Annual insurance premium |#template 500 by 2025-03 repeat every 2 years|Break down large, less-frequent expenses into manageable monthly expenses|Domain name renewal| +|#template 500 by 2024-12 spend from 2024-03|Budget 500 by December. Any spending between March and December is OK.|Christmas presents, overseas holiday, or any other expenses that I will be partially paying for before the target period ends.| +|#template 500 by 2024-12 spend from 2024-03 repeat every year| | +|#template 500 by 2024-12 spend from 2024-03 repeat every 2 years| | ## Old Table |Syntax|Description|Example Application| |---|---|---| -|#template 500 by 2024-12 spend from 2024-03|Budget 500 by December. Any spending between March and December is OK.|Christmas presents, overseas holiday, or any other expenses that I will be partially paying for before the target period ends.| -|#template 500 by 2024-12 spend from 2024-03 repeat every year| | -|#template 500 by 2024-12 spend from 2024-03 repeat every 2 years| | |#template 10 repeat every week starting 2025-01-03|Budget 10 a week| |#template 10 repeat every week starting 2025-01-03 up to 80|Budget 10 a week, up to a maximum of 80| |#template 10 repeat every 2 weeks starting 2025-01-04|Budget 10 fortnightly|