In our personal budget, we link everything we can, because we spend a lot more smaller items randomly, so we can't manually input everything. For unlinked cred

In our personal budget, we link everything we can, because we spend a lot more smaller items randomly, so we can't manually input everything. For unlinked credit, we just create a budget item for that card and we try to budget them out properly, but it isn't as easy, and we lose tracking into the spending.