EnsobreExisting debt is different
A balance you already owed before starting a budget is not a purchase you just made this month. Treating it as one can make Ready to assign look negative for the wrong reason.
The debt envelope
When you create a credit-card account with an existing balance, Ensobre can create a linked debt envelope. You can assign money to it over time while keeping the previous balance visible separately from current spending.
New card purchases
New purchases still use their regular envelopes, such as groceries or transportation. The linked debt envelope is for the balance that existed before the budget, not a place to categorize everyday spending.
Ready for card payment
The card view can show Ready for card payment: money available to transfer to the card without taking away from covered purchases. It is a planning signal, not an instruction to make a payment.
Record a payment as a transfer
A payment from another account to the card is a transfer between accounts, not a new expense. The purchase was already recorded in its envelope; the payment moves money to settle the account balance.
What the app does not do
Ensobre does not calculate interest, negotiate with creditors, or give personal debt advice. If you need help choosing a payment strategy or dealing with serious debt, seek qualified help appropriate to your situation.
A complete example
Suppose an existing card balance is $1,200. You assign $200 to its debt envelope and make a new $60 grocery purchase on the card from a covered grocery envelope. The card balance is still a record of what is owed; the $200 is what the budget has set aside for a payment. Recording a $200 transfer to the card does not create a second grocery expense.
Common questions
Does Ready for card payment pay the card?
No. It shows money available for a transfer; you choose whether and when to make the real payment.
Will this calculate interest?
No. Check your card statement and seek qualified help for payment decisions that need it.