Plain Text Accounting

make networth-brief 

• Was good for most things.. need to update the crypto prices .. I double checked all entries

Monthly cadence Accounting Workflow

simplefin-sync --append --since 2026-05-01
make check          # no parse errors

make misc
hledger -f 2026.journal register Expenses:uncategorized                                                       
(Add rules in scripts/simplefin_sync.py for any recurring merchant that fell through, then hand-fix the imported lines.)

make aave-update-dry   # preview, then:                                 
make aave-update       # May Aave borrow-interest accrual
make amortize-dry      # preview both, then:
make amortize-720
make amortize-5421     # May principal/interest/escrow splits                                                                                                                                                 

4. Update month-end prices in prices.ledger (May 31): BTC/ETH via CoinGecko, Vanguard funds + MSTR via stockanalysis.com. ⚠️ Cross-check PLS/PLSX against Coinbase or CoinMarketCap — CoinGecko 

Make the dashboards

make dashboard
make dashboard-history

• [X] adding from steph to the income line
• [X] adding cleaner to the expenses

1. Review the picture

     make monthly           # May P&L
     make networth-brief    # one-line net worth
     make networth-sections # full breakdown
        #+end_srctcccccbctiudrvjletvhchkjevddkbervgiidvbgkjktv
     cccccbctiudruvliljndbftlubfnnivvicrujldeilvk
   
   
   
   - The snapshots will now only happen mid-month
   #+begin_src shell
     make snapshot-dry      # check the delta table first
     make snapshot
   

make aave-update-dry make aave-update

Final state of the snapshot system:

make aave-update-dry # preview Aave interest accrual make aave-update # write it simplefin-sync –append –since YYYY-MM-DD # pull bank transactions make snapshot-dry # preview snapshot (uses live SimpleFIN for retirement/Vanguard) make snapshot # write to data/snapshots.csv make dashboard # current view make dashboard-history # 2017→present

What's reliably automated:

• Banking, crypto, real estate, mortgages, loans — from hledger after simplefin-sync –append
• Stocks, IRA, Roth, TIAA John, TIAA Steph — live from SimpleFIN (~1 day lag, acceptable)
• Aave debt — make aave-update reads on-chain, appends accrual entry to aave.ledger

What still needs manual touch:

• Vanguard 9451 sub-funds (school_fund, car_fund, house1, house2) — hand-update split when material activity happens
• Aave WETH supply interest (income side) — not yet auto-updated
• The PNC:Clearing imbalance from the Chase-payment categorization bug (left for separate fix)

Want me to wrap up the session and write the result.md, or anything else first?

• Need to update prices… at the start of the months for stocks and crypto
• working to auto pull in the transations
• [ ] How can I auto pull the Vangaurd trades ?
• [ ] Need to autopull the monthly counts

• SimpleFin: Synching steph TIAA… works
• Adding Mohela… failed

Adding accounts to simpleFin:

• CapOne now authorized
• Vanguard now synched
• Coinbase now synched

• setting up plaid account:

https://dashboard.plaid.com/overview

• Ideas
  • [X] 720 Montly Expenses vs Income: mortgage + utilities + wifi + costco
• Signed up for SimpleFin for inputs

• Still Burning through tokens… found I was actually using Claude not sonnet… switched back

• Cap one

  hledger -f /Users/johnda/Personal/Accounting/2026.journal balance Assets:CapOne -V
  hledger -f /Users/johnda/Personal/Accounting/2026.journal balance Assets:Crypto Assets:DeFi:Aave -V
  hledger -f /Users/johnda/Personal/Accounting/2026.journal balance Liabilities:DeFi:Aave -V
  

• make defi-monthly
• make monthly
• Lot of good stuff in the make file
• Documentation at Accounting Workflow

• Got PNC .csv
• [ ] Setup script to auto download

https://devhints.io/ledger https://ledger-cli.org/doc/ledger3.html#Emacs-org-Mode

• An account is anywhere money can go.
• ledger convert download.csv

• Getting finances sorted out
• hledger import Chase8695_Activity20250620_20250719_20250826.CSV --rules-file=chase.rules --file=chase_test.ledger
• Creating Accounting Package

brew install hledger

• https://systemcrafters.net/live-streams/april-11-2025/

• Intalling ledger brew install ledger

  see Sunday…

• Can add dollar amounts with ( + )

  Assets:Savings:House Fund                  ($15,010.50 + $11,223.29)
  

• Use it for modules reporting ?
• Try to use it for high-level finances ?
• Will do for crypto Ledger