Great info above—may I add my 2¢?
First, Wayne’s 100% correct about doing an envelope transfer from Unallocated to an expense envelope, and I’d add that a “Fill from Unallocated” instruction does exactly the same thing a different way. The advantage to “fills” is the ability to move money into several envelopes at once vs. a transfer between just two envelopes, so you can use whichever is better suited to your needs at that moment.
Second, I’m under the impression that you’ve allocated some money to pay down a balance on an existing CC debt and that’s the CC envelope you mentioned. If I’m right, in order to keep your balances correct, you have a couple of options. If you’re not using the card at all, record the balance as a Debt (not a CC) and fill the debt envelope each month with your pay-down amount.
If you ARE still using it, I’d recommend an envelope transfer on the day you make your payment from the CC envelope to Unallocated. You’ll then make the transfer from your bank account to your credit card ACCOUNT and everything will be square. I hope that helps!
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