<prompt> Human: Just wondering the best way to put these in that would take in to account payments above my usual amount. Also, what about credit card payments? Theyre not spending per se as theyre just reimbursement for charges that are already on my Mint.com account, however those same charges may not necessarily have been done in the same calendar month that Mint goes by.  <response>: If you add it to your accounts as a loan, I believe any payments to it are automatically characterized as transfers. The loan decreases your total net worth. 