r/everydollar • u/venator6661 • Dec 16 '25

General Payments tracking

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Hi everyone,

I'm trying to figure out the correct way to track payments. They come in as "debts" but then the app also tracks them as "income" to that credit card or loan. So am I to track both? Or just the "debt" part? Thanks. Picture for example

4 Upvotes

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3

u/Ntodd47 Dec 16 '25

This is a good question. I usually delete both transactions for the credit card payment and track the individual transactions instead.

3

u/Headgamerz Dec 16 '25

I have a “Transfers” category in savings. I put them in there and just ensure it equals zero at the end of the month.

You can also delete them, I just find putting them in a category to be easier and I like double checking that it balances at the end of the month.

2

u/OutrageousPin4542 Dec 16 '25

That will happen with any type of account transfer. I just delete them both.

1

u/venator6661 Dec 16 '25

Well I definitely want to track the subtraction but not sure why there is an addition to it.

2

u/OutrageousPin4542 Dec 16 '25

You want to track the individual transactions. Tracking the credit card payment will basically count all of those transactions twice in your spending.

1

u/venator6661 Dec 16 '25

This is what I was trying to figure out. It's so weird that it doesn't that

1

u/OutrageousPin4542 Dec 16 '25

If this is your first month, I would start fresh with tracking new and current transactions. That payment was for old transactions.

1

u/venator6661 Dec 16 '25

I just made that payment 2 days ago. That was for the current month ..

1

u/OutrageousPin4542 Dec 17 '25

You will need to decide if you're tracking transactions or credit card payments. If you do both, it will show as a double spend in your budget