From a7523746aa36e9eeaf3748956770c5d59e9b81e0 Mon Sep 17 00:00:00 2001 From: Roger Oriol Date: Sat, 8 Feb 2025 12:37:32 +0100 Subject: [PATCH] 8 febrer --- commands/balance-sheet | 7 ++- ledger/transactions/2025/02.beancount | 86 ++++++++++++++++++++++++++- 2 files changed, 87 insertions(+), 6 deletions(-) diff --git a/commands/balance-sheet b/commands/balance-sheet index 07b1890..e7293b9 100755 --- a/commands/balance-sheet +++ b/commands/balance-sheet @@ -94,10 +94,11 @@ def get_solvency_ratio(balances, min): result = round((get_net_worth(balances).number / total_assets.number) * 100, 2) return f"{bcolors.FAIL if result < min else bcolors.OKGREEN}{result} %{bcolors.ENDC}" -def get_interest_coverage_ratio(gross_monthly_income, debt_payments, mortgage_payments, min): +def get_interest_coverage_ratio(gross_monthly_income, expenses, debt_payments, mortgage_payments, min): + living_expenses = expenses[0].position.get_only_position().units.number interest = debt_payments.number + mortgage_payments.number interest = interest if interest > 0 else 1 - result = round(gross_monthly_income / interest, 2) + result = round((gross_monthly_income - living_expenses) / interest, 2) return f"{bcolors.FAIL if result < min else bcolors.OKGREEN}{result}{bcolors.ENDC}" def get_max_leveraged_investment(balances): @@ -183,7 +184,7 @@ def print_report(date, balances, expenses, income, debt_payments, mortgage_payme ["Savings Ratio", get_savings_ratio(balances, income, savings, 20), "20 %"], ["Debt-Service Ratio", get_debt_service_ratio(balances, income, debt_payments, 35), "35 %"], ["Non-Mortgage Debt-Service Ratio", get_non_mortgage_debt_service_ratio(balances, income, mortgage_payments, 15), "15 %"], - ["Interest Coverage Ratio", get_interest_coverage_ratio(income, debt_payments, mortgage_payments, 1.5), "1.5"] + ["Interest Coverage Ratio", get_interest_coverage_ratio(income, expenses, debt_payments, mortgage_payments, 1.5), "1.5"] ])) def get_balances(entries, options, date): diff --git a/ledger/transactions/2025/02.beancount b/ledger/transactions/2025/02.beancount index dbcff5e..b84e563 100644 --- a/ledger/transactions/2025/02.beancount +++ b/ledger/transactions/2025/02.beancount @@ -26,8 +26,88 @@ 2025-02-01 * "Edenred" "Recàrrega targeta transport" Assets:Benefits:Edenred:TargetaTransport 35.00 EUR Income:Work:Zurich:TargetaTransport +2025-02-01 * "Endesa" "Factura llum" + Expenses:FacturesUtilitats 23.94 EUR + Income:Other:Caixabank:Bizum -24 EUR + Equity:FacturesUtilitatsPere 24 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-01 * "Parking Express" "Parking aeroport" + Expenses:Mobilitat 1.90 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-02 * "Bizum" "Bizum Arnau Sañé Calçotada" + Expenses:MenjarFora 22.66 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-03 * "O2" "Factura Internet" + Expenses:Internet 50 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-03 * "Cami Voorhies" "Pagament parking febrer" + Expenses:Parking 100 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-03 * "SMOU" "Parking barcelona Hospital Sagrat Cor" + Expenses:Mobilitat 3.95 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-03 * "The Food Truck Store" "Dinar hamburgueses" + Expenses:MenjarFora 31.70 EUR + Assets:Benefits:Edenred:TicketsRestaurant +2025-02-03 * "Bertran Super" "Aigues" + Expenses:Supermercat 6.15 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-04 * "Aigues de Barcelona" "Factura aigua" + Expenses:FacturesUtilitats 43.08 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-04 * "Finques Samsó" "Lloguer pis febrer 2025" + Expenses:Lloguer 594.04 EUR + Income:Other:Caixabank:Bizum -530 EUR + Equity:LloguerPere 530 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-04 * "Don Zangano" "Esmorzar" + Expenses:MenjarFora 5.10 EUR + Assets:Benefits:Edenred:TicketsRestaurant +2025-02-04 * "Plusfresc" "Aigua i fruita" + Expenses:Supermercat 4.66 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-04 * "Passatore" "Dinar" + Expenses:MenjarFora 12.50 EUR + Assets:Benefits:Edenred:TicketsRestaurant +2025-02-04 * "Blät" "Cafè" + Expenses:MenjarFora 1.55 EUR + Assets:Benefits:Edenred:TicketsRestaurant +2025-02-04 * "Barcelona Barber Shop" "Tallar cabells" + Expenses:Perruqueria 17 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-04 * "Plusfresc" "Compra de la setmana" + Expenses:Supermercat 36.75 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-05 * "Buenas Migas" "Sopar" + Expenses:MenjarFora 23.45 EUR + Assets:Benefits:Edenred:TicketsRestaurant +2025-02-05 * "Grupos Media" "Entrades Musical El Medico" + Expenses:Entreteniment 60 EUR + Liabilities:Credit:Caixabank:TargetaCredit +2025-02-06 * "Wellhub" "Quota gimnàs" + Expenses:Gimnàs 35.99 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-06 * "App Mobilitat" "Parking barcelona Hospital Sagrat Cor" + Expenses:Mobilitat 1.51 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-06 * "Parking Apolo" "Parking teatre apolo" + Expenses:Mobilitat 13.15 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-07 * "Burger King" "Sopar després del teatre" + Expenses:MenjarFora 17.40 EUR + Assets:Benefits:Edenred:TicketsRestaurant +2025-02-07 * "Amazon" "Coses Carlos Moreno" + Expenses:Altres 29.20 EUR + Assets:Liquid:Caixabank:Corrent +2025-02-07 * "Nomad Bistro" "Cocacoles" + Expenses:MenjarFora 5.50 EUR + Assets:Benefits:Edenred:TicketsRestaurant +2025-02-08 * "La Flama" "Sopar ex-alumnes SEB" + Expenses:MenjarFora 23.54 EUR + Assets:Benefits:Edenred:TicketsRestaurant + -2025-03-01 balance Assets:Liquid:Caixabank:Corrent 12915.05 EUR +2025-03-01 balance Assets:Liquid:Caixabank:Corrent 11931.07 EUR 2025-03-01 balance Assets:Liquid:R4:EUR 0 EUR 2025-03-01 balance Assets:Invest:Fund:Vanguard:EMMK 14.99 VANEMMK 2025-03-01 balance Assets:Invest:Fund:Vanguard:GL 707.25 VANGL @@ -35,7 +115,7 @@ 2025-03-01 balance Assets:Invest:ETF:IWVL 376 IWVL 2025-03-01 balance Assets:Invest:Fixed:R4RF 1518.57004 R4RF 2025-03-01 balance Assets:Invest:ETF:XDEQ 227 XDEQ -2025-03-01 balance Assets:Benefits:Edenred:TicketsRestaurant 212.05 EUR +2025-03-01 balance Assets:Benefits:Edenred:TicketsRestaurant 91.31 EUR 2025-03-01 balance Assets:Benefits:Edenred:TargetaTransport 116.90 EUR 2025-03-01 balance Assets:Benefits:DZP:PPEZurich 3003.57 EUR 2025-03-01 balance Assets:PersonalProperty:VivendaPrincipal 0 EUR @@ -43,5 +123,5 @@ 2025-03-01 balance Assets:PersonalProperty:JoiesArtCollecionables 1250 EUR 2025-03-01 balance Assets:PersonalProperty:MetallsPreciosos 0 EUR 2025-03-01 balance Assets:PersonalProperty:AltresPropietats 0 EUR -2025-03-01 balance Liabilities:Credit:Caixabank:TargetaCredit -36.60 EUR +2025-03-01 balance Liabilities:Credit:Caixabank:TargetaCredit -96.60 EUR 2025-03-01 balance Liabilities:Credit:Renta4:PolissaCredit -19843.88 EUR \ No newline at end of file