How should the budget handle bank fees, interest, and credit card payments?

In Origin, you can keep your budget accurate by categorizing bank fees, interest, and credit card payments correctly.

Credit card payments:

• Credit card payments are treated as transfers, not expenses.

• This prevents double-counting, since the original purchases are already tracked as expenses.

• Transfers are excluded from your spending totals and budget calculations.

Tip: If your credit card payment covers something specific like rent, and you want it reflected in your budget, you can:

1. Find the transaction in the Transactions tab

2. Click the dropdown and change the category from “Transfer” to something like “Housing”

3. Click “Apply”

Bank fees and interest charges:

• Categorize these as expenses under a custom category like “Banking” or “Fees & Interest”

• This ensures they’re included in your spending totals and give you an accurate view of costs

💡 Want smarter budget suggestions?

Try Origin’s AI Budget Builder — it reviews your spending patterns and suggests appropriate categories and targets to help you stay on track.