I am still struggling with Q categorization mentality and MW
bucketing. Here is the scenario

Cash account is +100 as that is what I had in my pocket on 1/1 start
date.
Allocation from paycheck left "personal care" at 0.
I spend 10 from cash on a hair cut.

Now when I entered the cash spend I put it in the "personal care"
bucket. I now have a -10 balance in that bucket. I think the immediate
fix is to adjust my starting "income" by +100 and allocate 10 to
personal care.

The larger issue that I am trying to understand is the "when to
bucket" question. I still a little confused by the CC use/payoff
discussion and think that the hair cut example is a symptom of the
same confusion. I my mind I think that I should be assigning a bucket
to each spend. This would be CC, cash in hand or check/debit.

What am I missing here? Am i even making any sense?

Jaysen.
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