questionshow do i keep track of checking and credit card…

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If you're deducting each credit card charge from the checking account balance, what are you going to do when you physically write the check to the credit card company, add the total payment back to the balance or not draw a balance for that transaction?

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As @missellienc hinted to, you do not combine those two into the same ledger.

First, you keep a separate ledger to track your spending on your credit card. Once you pay off your credit card by sending in a check, paying it online, or whatever, (I assume this money comes from your checking account), then you subtract it from your checking account ledger. At this point, you can mark all your credit card purchases that were on that statement as paid.

Then, you wait for your checking account statement. At this point, you can take the ending balance that is on the statement, add any non-processed withdrawals (aka checks you wrote), subtract any deposits that have not made it on the statement, and you should balance to the penny on your ledger balance.

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Are you remembering to subtract any maintenance fees or automatic withdrawals?

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@missellienc: First I don't write a check, I pay online, so I don't have a stray check to account for. Second, what I was thinking is that I could add that amount back in to something like the Ending Balance on my checking account and then try to balance it that way. There HAS to be a way to do it, I'm just having trouble figuring out how to.

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@cengland0: I know it's not normal to combine the two, but you should be able to. The whole reason I want to is so that I don't have to hang on to receipts of keep track of two different ledgers and I would like to know what my available balance is at a quick glance and not after subtracting the credit card balance from the checking balance.

The problem isn't in the record keeping, but on the balancing/reconciling the account side. I can't figure out what portions to factor in and to factor out. And since Google has gotten more "user friendly" (aka made their search algorithm so that it tries to do the thinking for you, rather than actually search for what you put in) I can't find any articles on it either.

I know their HAS to be a way, and I appreciate all the help I'm getting from you guys!

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@jsimsace: No maintenance fees for me and yes on the auto withdrawals

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You will have line items for credit card charges that fall into the next billing cycle so you will have to adjust for them. Does that make sense?