Best practice: Budgeting with savings / part of income.

[Tobias Pankrath]

Greetings,

I am using KMyMoney quite successful to track my actual expenses, but have a 
hard time to figure out how you correctly use the budgeting feature, if I plan 
to save a portion of my income in an extra savings account.

Suppose I've got one income category 'salary' and my monthly income is 100$. 
That's easy to configure in the budget dialog. But when I want to save 20$ (by 
transferring it to an extra savings account) I don't know how to do it. 

The problem is that savings are no expense, so it does not make sense to have 
a category for it, and similary I don't want to modify the income side of the 
equation to reduce my budget by 20$. 

I'd like two solutions to this problem: Manually specifying the budget size 
(to adjust the income part) or allow accounts to be used as expenses, so that
I have an actual bugdet point for my savings.

How do you solve this in your use of kmymoney?

- Tobias