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Reliable records · 3 min read
Transfers between your own accounts are not spending
Learn why transfers between your own accounts are not spending, then reconcile both sides without inflating income or expenses.
Read the featured articleFINANCEIA JOURNAL
Better financial mental models.
Practical thinking for understanding cash flow, ownership, planning, and the story behind every financial change.
Explore the JournalIn this article
- 01Follow both sides of the movement
- 02Decide what sits inside your financial boundary
- 03Separate the transfer from its cost
- 04Check the report after recording it
FINANCEIA JOURNAL
Explore the Journal
Practical explanations for cash flow, accounts, planning, ownership, and financial reporting.
Showing 9 of 59 articles
Reliable records3 min read
How to record refunds and reimbursements without inflating income
Record refunds and reimbursements against the original expense so returned money does not distort your income or spending picture.
Reliable records3 min read
Stop counting your credit card payment as another expense
Separate credit card purchases from repayments and financing costs so the same expense does not appear twice in your budget.
Reliable records3 min read
Why a loan payment is not all spending
Split a loan payment into principal and financing cost, then see why the full cash payment is not the same as consumption.
Reliable records3 min read
Set opening balances without inventing income
Choose a clear opening-balance date and avoid treating money you already owned as new income when setting up financial records.
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Pending transactions should not become duplicate purchases
Match pending card transactions to posted purchases without keeping duplicate expenses or overlooking a changed final amount.
Reliable records3 min read
Cash withdrawals are not the same as cash spending
Track cash withdrawals as transfers to a wallet, then record actual cash purchases without counting the withdrawal as spending.
Reliable records3 min read
Correct a financial record without losing its history
Correct a financial record while preserving the explanation, dates and evidence needed to understand what changed later.
Reliable records3 min read
A monthly reconciliation that starts with the bank statement
Reconcile opening cash, inflows and outflows to a statement balance before relying on categories, budgets or financial reports.
Reliable records3 min read
Build spending categories that survive a busy month
Create a manageable set of spending categories that stays useful when merchants, household needs and payment methods change.
WORKBOOK IMPORT
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Use the blank workbook for your own data, compare it with the filled example, and read the two-page guide before importing.
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