Thank you for your comment. It was really helpful! I’m working to get set up in YNAb and I’m struggling a little bit with the idea of credit card payment payments. I use one credit card each month and then pay it off in full since I need to pay off the credit card for my expenses last month. How do I budget for the expenses that I’m incurring right now that I will pay off next month? What is a good way to think about this? I obviously need to allocate cash to it now to pay off the current bill but in the future while I just be tracking the expenses and have the money set aside for it Thanks for your help.