Transactions

What counts as a transaction

A transaction is any movement of money Moniqo needs to know about:

• An expense: money leaving an account against an envelope
• Income: money coming into an account, increasing “To Be Budgeted”
• A transfer: money moving between two of your own accounts

Transactions are the single source of truth for your budget. Envelope and account balances aren’t stored separately from them; they’re calculated from the transactions recorded against them.

Recording a transaction

1. Open Transactions and start a new entry.
2. Choose the account the money moved through.
3. For expenses and income, choose the envelope the transaction belongs to. See Spend from an Envelope for how this affects the envelope’s balance.
4. Enter the amount (expenses reduce the envelope and account; income increases “To Be Budgeted”).
5. Set the date. It doesn’t have to be today, so you can log things after the fact or backdate a correction.

Moving money between two of your own accounts? See Transfer Between Accounts; it works a little differently from an expense or income. For the full walkthrough of the Add Transaction form, see Add a Transaction.

Clearing a transaction

When a transaction shows up on your bank or card statement, mark it cleared. This is what lets you reconcile an account with confidence that your records match the bank’s. Until it’s cleared, a transaction still counts toward your envelope and account balances. Clearing doesn’t change the numbers, it confirms them. See Transaction Status & Reconciliation for the full status lifecycle.

Editing and deleting transactions

You can edit a transaction’s account, envelope, amount, or date at any time; see Edit a Transaction. Deleting a transaction is a soft delete: it’s removed from your active balances but never permanently erased, preserving a full audit trail of everything that happened in your budget. See Delete a Transaction for who can delete and when to edit instead.

Filtering and finding transactions

The transaction list can be filtered by account, envelope, and date range, with pagination for budgets that have a long history. Use this when you want to double-check spending in a single envelope, or verify everything that ran through one account in a given month. See Search & Filter Transactions for the full set of options.

Tips

• Record transactions as they happen rather than batching them at the end of the week. A ten-second habit now avoids a reconstruction project later.
• When in doubt about which envelope a purchase belongs to, pick one and move on. Consistency matters more than perfect categorization.