Most entries in my budget are pretty straightforward. My car loan payment, for example, is the same amount every month. My grocery bill varies week to week but averages out over the long term.
Mortgages are different. My mortgage payment is the same each month but the split between principal and interest changes every month.
The principal is categorized as a transfer to the account representing my loan, the interest is categorized as Mortgage Interest. I can add those two categories to my budget individually, but I can't think of a way to combine them into a total that would represent my monthly payment.
I suppose I could budget for them separately based on my January split and just accept that I will be over budget for one and under budget (by the same amount) for the other in each subsequent month. Or I could manually adjust the budget so that each month uses the correct split for that month.
I was wondering if I might be missing a more elegant solution.
