How to budget third party payment processors?

I have running balances, due either biweekly or monthly to a number of 3PP’s - Sezzle, Klarna, Afterpay and Affirm. I originally made envelopes by due date but with Christmas purchases, these balances have grown and have due dates all over the place. What’s the cleanest way to envelope these? I assume the prevailing thought would be to just have 1 envelope per service but I liked the idea of one envelope per due date so it was clear on my screen when these were due.

Hi @saraarmstrong – Thanks for posting! I think I agree with you on the one envelope per due date. You’d just have to keep track of your budget since it would likely grow as you spend throughout the month on gifts and such. Then, on the flip side, the balance would shrink as you pay things off after the holiday season is over.