Can you please figure out a way to handle refinancing of debts (i.e. mortgages)? I am running into the following problem:
Paying off the current debt requires an account and envelope. But starting the new debt uses neither, leaving me with a large negative amount in both envelope and account.
With mortgage rates changing often, refinancing is an integral part of mortgages is part of the budgeting process.
I don’t like adjusting the balances (it’s an accountant thing ).