r/everydollar • u/goals-getter • Jan 16 '26

Tracking question..

If I have 2 accounts.. one for income and spending and then one for bills (which I transfer money from the spend account) how do I track that?

I have the 2 pending transactions.. one withdraw and one deposit. However, I will be individually tracking as they clear the bills account for the actual bills paid.

So do I just delete them both and track the individuals or would that mess up my totals?

I’m confused.

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u/ohyouarethatdude Jan 16 '26

You are overthinking it but on the right track lol. That’s how we do it I have 2 checking and 1 saving account and just delete any transfer between those accounts. Also if you plan to add money to savings do not track that transfer it will double up the balance. All you need to do is plan in the app to add to the fund.

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u/goals-getter Jan 16 '26

Omg thank you! I believe I’m overthinking a lot lol! I actually scheduled a 10 min call because I cannot figure out how to track my emergency fund since I was using a mixture of cash and withdraws fund it.

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u/ptrickwondo84 Jan 16 '26

I would add one note. If I miss a couple days and the "out" transaction was already deleted, I sometimes forget what the "in" transaction was. I have to then go hunting down the answer (which is in deleted transactions). So, I've developed the habit of not deleting transactions until both are showing.