Accounting for monthly transfers to fund large, periodical bills throughout the year

I use the Savings Budget sheet for this purpose. I create savings categories for large savings goals and transfer money to those categories every month. When the expense actually hits, I transfer the savings to a spend category to cover the expense. I like this method because it doesn’t require creating artificial transactions on my transactions sheet nor does it create any discrepancy with the real balances in my actual checking or savings accounts. I have no idea how any of this method may or may not accord with sound accounting principles, but it works for me. The Savings Budget sheet approximates “envelope budgeting,” and it’s my workhorse budget sheet in Tiller (I don’t even look at the standard monthly budget sheet). The best intro to how to use it is this Youtube video in which @randy explains how to use it.

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