Tracking savings as a transaction, then spending that money

Yeah, good question. I’m really only tracking savings for the tuition, so I suppose it’s a bit easier to keep track of. But there was a recent thread on here in which I made the point that I think it’s necessary to separately track (a) budget and (b) cash flow. The two are interrelated, but require different tools. I use the Scheduled Transactions template for tracking cash flow, but I’m not sure how much that would help if you are trying to track a significant sum of money across multiple categories. That is a trickier problem that I’m not sure I have a great solution for.

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