How do I keep track of checking and credit card use in the same ledger/register?
I use mostly my credit card & pay for it out of my checking account, but have a few items which I pay from my checking account (usually to avoid credit card use fees). I would really like to be able to keep track how much money I have available (note: available, not just in my checking account because if I have $10 in my checking account & buy a BOC on Woot for $8 using my credit card, my checking account will still say I have $10, but I will only really have $2 available.) The physically putting the items into my check book register isn't that hard, obviously, but I'm having a huge problem when it comes to balancing. I thought taking the ending balance from my checking statement, adding in all the deposits & credit card refunds that hadn't cleared and subtracting outstanding payments for both the credit card and checking account would result in my register balance...but it doesn't. Not a math error either, as I ran both separately & they balanced. Any clues/tips? No apps please!