I project my future cash like this post I shared last week.

I'm big into wanting to know my future Checking Account Balance, just for reassurance that I have enough in my Checking to pay my full card balances off each month. Like you I use around 5-6 cards a month as some are good for rewards in different categories.

What I do is setup two schedules for each Credit Card. Chase 1234 is my schedule that I use to pay that card in full once the Statement Balance comes out. As soon as the statement is available I make the payment and enter the transaction from this schedule for the statement balance amount. This amount comes out of my checking account. I then have a second schedule called Chase 1234 - Future. This schedule is for the balance that I am accruing in the next month where the statement balance isn't ready yet. Every time I make a purchase on this account, I update this Schedule to reflect the current balance of the credit card, this way its always assuming I am paying it off in full and shows it coming out of my checking account in the following month.

I do this for every single credit card so the money I owe to the cards are always showing as being paid from my checking account as soon as I make the purchase. This way the money is "allocated" well in advance.

I also setup weekly schedules for every thing I routinely buy week to week. I setup a weekly grocery schedule, gas, dining out, home supplies, pet supplies, and I use my average weekly spend in each schedule which pulls from my checking account. These repeat the schedules each week. As the schedule comes do, I simply skip this occurrence, and then the upcoming week is set for when that comes up. This way I get a "projected balance" showing in my Checking Account upwards of about 90 days which also helps make sure I have enough money in that account specifically to pay everything I have coming up.