@mmurdock, it also depends on whether you want the mortgage payment to be a part of your budget (if you’re using Tiller Money to keep and track a budget). If you use a Transfer category type that won’t show up on your budget and calculate into your planned or actual cash flow. If you use an expense type it will.
Most of the time we recommend that it’s an expense type for the simplest workflow so it’s included in your budget and the money is set aside. In this case, it doesn’t matter that the other side of the transaction doesn’t show if your mortgage account isn’t automated.
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