Pending chsrges

Can you help me understand this? I’ve had a history of overdrafting and I’m actively trying to get better. I track how much I spend every day, and now I’m working on tracking autopayments too.

When I look at my bank account, I see pending charges. How should I track those? Do they count as today’s spending, or tomorrow’s?

Posted Jan 14, 2026, 3:04 AM UTC

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