I'm using double entry with Assets, Expenses, Income, Liabilities, and Equity.
To illustrate my question with easy round numbers: Income one month is 10k; 5k goes into an asset like a 401k account (or to reduce a Liability, like a mortgage principal), and Expenses are 8k. (Doh!)
I'm looking for a report that shows me that I have a cash flow problem.
"Cash Flow", "Profit & Loss", "Balance Sheet", "Net Worth", etc. all don't show me that I have a problem (they say I'm spending 2k less than I'm making, and my net worth is going up by 2k/month, etc.).
Is there a standard report that should show me what I'm looking for? Or is there a typical adjustment made to some report that will show what I'm looking for?
Tabular concrete (very exaggerated and simplified of course) example:
Starting Balances (years ago) Withdraw Deposit Asset: Checking 100 Liability: Loan 50 Equity 50 Make Money (today) Asset: Checking 10 Income: Sell Stuff 10 Pay Loan (today) Asset: Checking 13 Liability: Loan 5 Expenses: Interest Paid 8
Do I just need to "close the books" frequently so that I can see this isn't sustainable?