I use Quicken to track my money, so I have an expense category called “pay down balance” that I use for snowballs and snowflakes. I add snowflakes to my pending entry for Chase and have it update the total, and Quicken will deduct the amount from the balance of my checking account, so I will not see it as money available for spending. The next time I transfer money from my checking account when I make the Chase payment online, I copy the transaction number from the payment and replace the memo that says “pending” with the transaction number, so that I will know that it is paid, and I will update the date of the transaction in Quicken to match the date of the scheduled payment.

Any balance in Quicken that still remains when my next paycheck is deposited to my checking account is also a snowflake, and so I either will add that amount to my next credit card payment or I will transfer it to my “irregular” savings account, to help cover unexpected bills.