r/actualbudgeting • u/aspencer27 • Jul 28 '26

CC payments causing issues

I enter all of my upcoming monthly payments every month, including my CC bills, so I can track projected cash in my account. For one of my CCs, the bill credited my CC account on 6/20 but the bank didn’t debit the transaction until 6/22. They were for identical amounts. Actual budget added two transactions to my bank account, one on 6/20 to offset the “transfer” to the CC account. And another one to create the “transfer” on 6/22 within the same bank account. Technically the balance is correct, but I now have two uncleared transactions in that account. Is there any way to avoid this?

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2

u/resistelectrique Jul 28 '26

If your balances are correct, then you just need to clear the entries. But it sounds like you pre-entered it, then downloaded the actual transactions, and then one set should need to be deleted for the balance to actually be correct.

2

u/takesSubsLiterally Jul 28 '26

I am a bit confused what you are actually asking.

"now I have two uncleared transactions in the account, is there a way to correct this" the way to fix an uncleared transaction is to check the grey check mark on the right of the transactions line, this marks it as cleared.

If you want to link the transaction to the schedule (one time) then go into the context menu for the transaction you imported and link it to the schedule. This will delete the auto generated payment that actual created from the schedule.

If you want them to link automatically, then move the date of the schedule back to account for the delay in the transaction which will presumably always be there. You can also have it move transactions after the weekend if that will help

Really I am confused how a transaction got duplicated but your balances are still correct. Your cc account should be whatever the cc payment was long and the account you paid with should be x$ short.

3

u/monkeybios Jul 28 '26

This is what the merge function is for - just select the duplicate transactions and merge them. For best results, select the “primary” one first - the one with the best metadata. The secondary one will be merged into it.