Change approach with Qtr bills, all are simple based on last qtr - when we have normal Qtr bills (freq 'Quarterly') we just use last qtrs data for growth much easier. For GAS, we have the 'Quaterly (forced)' freq. which uses the forced/calc. amount per qtr for growth, its good enough for Gas bills - which dont always have 4 bills a year

README

@@ -1,18 +1,8 @@
-TODO:
-    * fix BUGs
-    * convert code over to use bill_type instead of name in bills.html
-
-
-CONSIDER in code:
-    * when we time the payment of GMHBA / HCF (and at what cadence) and include it in calcs better
-        - it kicks in after pay stops, and could be paid monthly say, but it is higher than if we pay yearly (I think)
-    * could make bills be paid quarterly rather than as 'daily' living expenses
-        - also could be more painful with bill increases, they seem to go up more than CPI
-
 CONSIDER in real-world:
     * moving > $250k into say ING, then rabo-bank -- 4 months interest higher in each -- maybe to another provider after that
         while the balance is > $250k it offsets individual bank risk
     * maybe buying shares in something like berkshire-hathaway, or vanguard ETFs?
+    * pay out car if the diff is negligible to reduce the exposure to > $250k in bank
 
 To run the code:
 

TODO

@@ -1,7 +1,14 @@
 UI:
 
 For bills:
+   * might need to be able to mark a specific bill as an outlier - so we ignore the data somehow (think Gas is messing with my bills)
+
+    * estimate future bills/growth:
         [DONE] - calculate pragmatic min/avg/max/simple
+        - need to handle future only bills (like health insurance which only kicks in when I quit)
+            - might all work - validate why future seems to jump in 2026, but not 27+
+            - seems specifically 27->28 is way too small compare to growth in
+              other years, does not seem likely, but maybe qtr timing? (by then they should all be est. though)
         - remove bills from Living_Expenses (carefully - but by hand)
         - fold future bills into calc so they are taken out in a more time and growth appropriate way
         - inflation can then be put to a more realistic quarterly figure

bills.py

@@ -140,7 +140,7 @@ def new_estimated_bill( bill_info, yr, bill_type, amt, new_date ):
     bill['bill_date']=new_date
     bill['amount']=amt
     bill['estimated']=1
-    # need this for find_previous_bill to work but only need the above 3 fields
+    # need to insert(0,) to add this "newest" bill to start of the data for {yr} so that find_previous_bill can work - only need the above 3 fields
     bill_info[bill_type]['year'][yr].insert(0,bill)
 
     if bill_info[bill_type]['num_ann_bills'] == 4:
@@ -190,15 +190,34 @@ def add_missing_quarter_bills_in_yr( bill_type, bill_info, yr ):
         else:
             r=range(1,5)
         for q in r:
-            # amt is total of last year's qtr bill proportion
+            if 'forced' in bill_info[bill_type]['freq']:
-            amt = bill_info[bill_type]['qtr'][yr-1][q]*(1+bill_info[bill_type]['growth']/100)
+                actually_add_estimated_new_quarter_bill_forced(bill_type, bill_info, yr, q)
-            # just make new bills first of last month of a qtr (good as any date for GAS, they move anyway)
+            else:
-            new_date = f'{yr}-{q*3:02d}-01'
+                actually_add_estimated_new_quarter_bill(bill_type, bill_info, yr, q)
-            # SANITY CHECK: we might be adding a bill estimate we already have (due to stupid gas bills /qtrly code)
-            if yr in bill_info[bill_type]['year']:
-                for b in bill_info[bill_type]['year'][yr]:
-                    if b['bill_date'] == new_date:
     return
+
+################################################################################
+# func take a qtr in a year, finds equiv from previous year, calcs new based on
+# it (same 'day' with amt * growth)
+################################################################################
+def actually_add_estimated_new_quarter_bill( bill_type, bill_info, yr, q ):
+
+    # amt is total of last year's qtr bill (NOTE: use 4-q, bills are in desc order)
+    last_yrs_bill_in_this_q = bill_info[bill_type]['year'][yr-1][4-q]
+    amt = last_yrs_bill_in_this_q['amount']*(1+bill_info[bill_type]['growth']/100)
+
+    # make new qtr bill same 'day' (mm-dd) as last year, just chg (yr)
+    mmdd=last_yrs_bill_in_this_q['bill_date'][5:]
+    new_date = f'{yr}-{mmdd}'
+    new_estimated_bill( bill_info, yr, bill_type, amt, new_date )
+    return
+
+def actually_add_estimated_new_quarter_bill_forced( bill_type, bill_info, yr, q ):
+    print( f"Being asked to add a FORCED qtr bill for {yr}-q{q} - likely a GAS bill, as its the only one, *sigh*" )
+    last_yrs_qtr_amount = bill_info[bill_type]['qtr'][yr-1][q]
+    print( f"amt is based on forced qtr amount for last year: {last_yrs_qtr_amount}" )
+    amt=last_yrs_qtr_amount*(1+bill_info[bill_type]['growth']/100)
+    new_date = f'{yr}-{q*3:02d}-01'
     new_estimated_bill( bill_info, yr, bill_type, amt, new_date )
     return
 
@@ -281,6 +300,8 @@ def process_bill_data(bd, bt, bf):
 
     # this maps freq to bills per annum (e.g. id=2 to 4 bills per annum)
     bf_id_num = {row["id"]: row["num_bills_per_annum"] for row in bf}
+    # and allows me a way to see if the bill is quarterly but also fixed or seasonal
+    bf_id_name = {row["id"]: row["name"] for row in bf}
 
     # want to proces all bill data into easier to maniuplate structure, so make
     # a bill_info[bill_id] with first_bill, last_bill, [yr] with matching bills to process
@@ -292,6 +313,7 @@ def process_bill_data(bd, bt, bf):
         # new bill type
         if not bill_type in bill_info:
             bill_info[bill_type]={}
+            bill_info[bill_type]['freq'] = bf_id_name[bt_id_freq[bill_type]]
             bill_info[bill_type]['growth'] = get_growth_value( bt, bill_type )
             bill_info[bill_type]['num_ann_bills'] = bf_id_num[bt_id_freq[bill_type]]
             bill_info[bill_type]['first_bill']={}
@@ -310,7 +332,7 @@ def process_bill_data(bd, bt, bf):
         bill_info[bill_type]['first_bill_year']=int(bill['bill_date'][:4])
         if not 'last_real_bill_year' in bill_info[bill_type] and not bill['estimated']:
             bill_info[bill_type]['last_real_bill_year']=int(bill['bill_date'][:4])
-        # add this bill to list for this year
+        # append this bill to list for this year
         bill_info[bill_type]['year'][yr].append(bill)
 
     # now process the bill_info from yr of first bill to yr of last bill
@@ -447,7 +469,7 @@ def derive_ann_growth( bill_type, bill_info ):
     else:
         # okay use last - first / years to get a simple_growth, just need bills from different years
         # if there are totals for them (may not be set with monthly and < 12 bills in 1st year)
-        if bill_info[bill_type]['first_bill_year'] != bill_info[bill_type]['last_real_bill_year'] and bill_info[bill_type]['first_bill_year'] in total and bill_info[bill_type]['last_real_bill_year'] in total:
+        if 'last_real_bill_year' in bill_info[bill_type] and bill_info[bill_type]['first_bill_year'] != bill_info[bill_type]['last_real_bill_year'] and bill_info[bill_type]['first_bill_year'] in total and bill_info[bill_type]['last_real_bill_year'] in total:
             simple_growth=( ((total[bill_info[bill_type]['last_real_bill_year']]-total[bill_info[bill_type]['first_bill_year']])/(bill_info[bill_type]['last_real_bill_year']-bill_info[bill_type]['first_bill_year'])) / total[bill_info[bill_type]['first_bill_year']] )*100.0
             set_bill_type_growth( bill_type, 0, 0, 0, simple_growth )
         else:
@@ -464,8 +486,10 @@ def calc_future_totals(bill_info, bill_types):
     for bt in bill_types:
         total[bt['id']]={}
         for yr in range( now_yr, END_YEAR+1):
-            total[bt['id']][yr]=0
+            total[bt['id']][yr]=0.0
             if bt['id'] in bill_info and yr in bill_info[bt['id']]['year']:
                 for b in bill_info[bt['id']]['year'][yr]:
                     total[bt['id']][yr] += b['amount']
+            # had to round to 2 decimal here to get sensible totals
+            total[bt['id']][yr] = round( total[bt['id']][yr], 2 )
     return total

db.py

@@ -134,7 +134,8 @@ def init_db():
                     (4762.29, 10, 24000, 620, 2412, 45824.68, 83738.74, 80000, 424875.26, 4.75, 2.4, 10000, 50000, 10000, 76.85, 1000, 750, 1111, 4.52, 163.32, '2025-06-01', '2025-09-01', '2025-02-20', 4, 0, 0))
         cur.execute( "INSERT INTO bill_freq values ( 1, 'Annual', 1 )" )
         cur.execute( "INSERT INTO bill_freq values ( 2, 'Quarterly', 4 )" )
-        cur.execute( "INSERT INTO bill_freq values ( 3, 'Monthly', 12 )" )
+        cur.execute( "INSERT INTO bill_freq values ( 3, 'Quarterly (forced)', 4 )" )
+        cur.execute( "INSERT INTO bill_freq values ( 4, 'Monthly', 12 )" )
         # start with no specific Tab/bill_type to show, and dont show_estimated
         cur.execute( "INSERT INTO bill_ui values ( 1, null, 0 )" )
     conn.commit()

templates/bills.html

@@ -21,6 +21,22 @@
     <div class="pt-2 containerfluid row">
     <h3 align="center">Bill Details (go to <a href="/">Finance Tracker</a>)</h3>
 
+{# DEBUG totals if needed
+    <table>
+    {% for bt in total %}
+        <tr><td></td><td>&nbsp;{{bt}}:</td>
+        {% for yr in range( 2025, 2032 ) %}
+            {% if yr in total[bt] %}
+                <td>
+                {{total[bt][yr]}}
+                </td>
+            {% endif %}
+        {% endfor %}
+        </tr>
+    {% endfor %}
+    </table>
+#}
+
     <div class="mt-4 col-7">
         <div class="row align-items-center">
             <button id="new-bill-type-button" class="mb-3 px-0 offset-4 col-2 btn btn-success bg-success-subtle text-success" onCLick="StartNewBillType()"><span class="bi bi-plus-lg"> New Bill Type</span></button>