This is a brain storming I want to share with you 😆 .
I feel that PTA is very good to track every transaction but sometimes it is difficult to "understand" the evolution or if I am in the right path of my finances. It easy to know your expenses one month, year... (hledger bal expenses -p 2023
or hledger bal expenses: -M -p 2023
). But it does not provide a good and quick picture if I am expending more or not.
I think that many use graphics to try to understand the trend of our personal finances. But I think it could be also achieved with text reports. I am thinking in two kind of reports:
- Balance Report to compare the same period of time in the last years. For example, compare the Q1 (or months, or weeks...) of the last 3-4 years
hledger report-type-1 --period-report q1 --period 2020..2023 "expenses:"
|| Q1-2020 Q1-2021 Q3-2022
================++==============================
expenses:... ||
- Moving Average Report. For example, I can obtain the average expenses in the last 12 months with
hledger bal expenses: -MA -p 2022.01..2023.01
and I could obtain the average 12 month expenses of the previous month with hledger bal expenses: -MA -p 2021.12..2022.12
. The idea would be to have a report to know if I am spending less in average in the last X months and, not exactly month to month or quarter to quarter.
|| 2022.11-Average-12m 2022.12-Average-12m 2023.01-Average-12m
================++==================================================================
expenses:... ||
These are a bunch of ideas. Perhaps it should not be directly linked with the reporting capabilities of PTA. Perhaps it should be scripted with bash, with org-mode...
What do you think? How do you analyze your PTA data?
Well, PTA basics are quite simple, you can track quite easy your income and expenses. It depends how much things you want to track (cash, banks, mortage, stocks, ...) and the detail you want to achieve (reports, queries, depreciations, budgets, forecasts...).
The limit is not the tool but your needs or as you said your time.