Be sure not to count any transfers. For example- you get a paycheck deposited to your checking account. That is income and you count it, but when you move that same money to your bill account, it is not income it’s just money you already have that you’re moving it where it goes. What I do and HIGHLY recommend is getting a gray highlighter. (Midliner makes one and can be purchased individually on Amazon). All transfers between accounts get highlighted in gray. That way at the end of the month those transfers can easily be seen and excluded from tallying up your categories. I hope this makes sense. Once that money is spent from the bills account it is an expense. Basically, transfers between your own accounts are neither an income or expense. It’s just adjusting your balances but you haven’t actually spent it. Keep at it, it does get easier!
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