What More activity types changes
ReadyCents starts each account with a focused set of common transaction choices. Turn on More activity types from the account's Settings menu under Transaction entry to add less-common corrections, rewards, and investment entries for that account.
The setting is saved separately for each account. It only changes which choices appear in the transaction picker. It does not change the account type, balance, bank connection, or budget math. Your transaction direction also matters, so an inflow-only choice does not appear while entering an outflow.
Checking, savings, money market, and cash
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- Ready to Budget: Adds this inflow to money available for envelopes.
- Assign Directly to an Envelope: Use for a reimbursement, merchant refund, or credit rewards or points inflow that should go directly to an envelope.
- Return to Original Envelope: Returns cash to the envelope that originally paid for it.
- Reimbursement Received: Applies an inflow to money someone owes you.
- Interest Earned: Adds earned interest to money available to budget.
- Rewards or Cashback Received: Adds deposited rewards or cashback to money available to budget.
- Bank Fee Reimbursement: Adds a refunded bank fee to money available to budget.
- Deposit or Payment Reversal: Returns a reversed deposit or payment to its envelope.
- Balance Adjustment: Corrects cash while keeping the budget in balance.
More activity types adds
- Interest Added to Savings Goal: Adds earned interest directly to a selected savings goal or envelope.
- Bank Fee: Charges a bank fee to an envelope.
- Tax Refund: Adds a tax refund to money available to budget.
- Bank Bonus: Adds a bank bonus to money available to budget.
- Loan Proceeds: Adds borrowed cash to money available to budget.
- Investment Withdrawal: Adds cash withdrawn from an investment account to the budget.
- Starting Balance Adjustment: Corrects the starting cash balance while keeping the budget in balance.
Account-to-account transfers stay available without the switch. Savings accounts also offer goal contributions, goal withdrawals, certificate deposits, and certificate maturities.
Credit cards and other debt
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- Purchase: Charges a purchase to an envelope.
- Merchant Refund: Returns an inflow to the envelope that paid for it.
- Assign Directly to an Envelope: Use for a reimbursement, merchant refund, or credit rewards or points inflow that should go directly to an envelope.
- Interest Charge: Charges card or loan interest to an envelope.
- Credit Card Fee: Charges a card fee to an envelope.
- Rewards Applied to This Card: Credits this debt or loan balance without creating budget cash.
More activity types adds
- Chargeback Credit: Returns a disputed charge to the envelope that paid for it.
- Chargeback Reversal: Restores a chargeback that was reversed.
- Account Adjustment: Corrects a debt balance without using an envelope.
- Returned Payment: Restores debt after a payment is returned.
- Rewards Redeemed for a Purchase: Applies rewards to the account without creating budget cash.
- Rewards Used for Travel: Applies travel rewards without creating budget cash.
Payment, Balance Transfer In, Balance Transfer Out, and Cash Advance remain in Money movement because they move value between accounts instead of describing ordinary spending.
Investment accounts
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- Contribution: Adds contributed value to this investment account.
- Withdrawal: Removes value from this investment account.
- Dividend Received: Records a dividend paid into this investment account.
- Interest Received: Records interest paid into this investment account.
- Dividend Reinvested: Keeps dividend reinvestment activity inside this investment account.
- Investment Purchased: Records a security purchase without changing the budget.
- Investment Sold: Records a security sale without changing the budget.
- Core Position Sweep: Records an automatic move into or out of a core position.
- Fee: Records a fee charged inside this investment account.
- Balance Adjustment: Corrects this investment account balance without changing the budget.
More activity types adds
- Capital-Gains Distribution: Records a capital-gains distribution inside this account.
- Investment Exchange: Records an exchange between investments in this account.
- Cash Held in This Account: Keeps cash activity inside this investment account.
- Tax Withholding: Records tax withheld inside this investment account.
- Gain or Loss: Records a valuation gain or loss without changing the budget.
- Return of Capital: Records capital returned inside this investment account.
- Rollover: Records assets rolling into or out of this investment account.
Other tracking accounts
Tracking accounts stay outside the spending budget. Their account-to-account movement choices use Transfer In / Contribution and Transfer Out / Withdrawal so the direction is clear without treating the move as income or spending.
A credit card can still handle everyday spending
You can enter ordinary purchases, refunds, rewards, and transfers directly in a credit card account just as you enter activity in checking. ReadyCents still keeps the account's credit card behavior on the budget side.
A funded purchase reduces its spending envelope and reserves the same cash for the card payment. An unfunded purchase creates card debt. Paying the card remains a transfer from checking or savings, so the payment is not counted as a second expense.
