Goodbudget uses the Net Total in your accounts to budget with in your Envelopes. Checking and Savings accounts are added and Credit Card accounts are subtracted to show you what you have minus what you owe. This way, you'll be able to see how much you have if you pay off your debt in full.
What if the Net Total in my accounts is negative?
If your Household looks like the Frugalistas' in the screenshot below, it means that the amount of debt you owe exceeds what's available in your Checking and Savings accounts. You can manage your debt by creating Debt balance and payoff Envelopes. This way, you can budget off your what's in your Checking and Savings accounts and track the balance of your debt and budget for monthly payments.
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