I paid off two debts recently and forgot to adjust my fills in time so the envelopes are showing a surplus. I have four questions:
It seems I can handle the surplus by simply transferring the money out of the debt envelopes into “Available” and then distributing elsewhere. Correct?
Should I just adjust the fill moving forward instead of messing with the previous fills?
1–Yep, you can always move money out of overfilled envelopes to Available or to any other envelope where you need a bit more.
2–Yep, adjust the future fills. There’s no benefit to adjusting the posted ones, although it won’t hurt anything if you do. Just change the filled amount to 0 since you don’t need any money in those envelopes now, and then you won’t need to do any transfers. (You won’t be able to Set to 0 retroactively)
3–You can delete the unused accounts and envelopes now if you want to; the transactions will remain but will have the name if the old envelope/account struck through in your ledger. Otherwise they’ll just sit on your books unused, not hurting anything. (Be sure to change your budget to 0 for those envelopes too)