# One off big payment **URL:** \ **Category:** Help\ **Created:** [January 26, 2021, 7:51pm UTC](https://community.emma-app.com/t/one-off-big-payment/3539 "2021-01-26T19:51:17Z")\ **Posts on this page:** 8\ **Page:** 1
**Author:** ![Ericntd](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/ericntd/32/1711_2.png) [@Ericntd](https://community.emma-app.com/u/Ericntd)\ **Post date:** [January 26, 2021, 7:51pm UTC](https://community.emma-app.com/t/one-off-big-payment/3539/1 "2021-01-26T19:51:18Z")
What to do with a one time huge transaction like downpayment so that it doesn’t skew normal monthly spending analytics? I’m a premium member ---
**Author:** ![Ericntd](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/ericntd/32/1711_2.png) [@Ericntd](https://community.emma-app.com/u/Ericntd)\ **Post date:** [January 26, 2021, 11:53pm UTC](https://community.emma-app.com/t/one-off-big-payment/3539/4 "2021-01-26T23:53:22Z")
Thanks @jase , I’m very familiar with the “excluded” function so no worries It’s perfect for duplicates like credit card payment but not this requirement Nevertheless, I will use the “excluded” workaround for now ---
**Author:** ![rebekah](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/rebekah/32/1091_2.png) [@rebekah](https://community.emma-app.com/u/rebekah)\ **Post date:** [January 28, 2021, 4:13pm UTC](https://community.emma-app.com/t/one-off-big-payment/3539/5 "2021-01-28T16:13:34Z")
Hey @Ericntd 👋 If you’ve got any ideas for how we can cover this better then let us know! 🙌 ---
**Author:** ![Ericntd](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/ericntd/32/1711_2.png) [@Ericntd](https://community.emma-app.com/u/Ericntd)\ **Post date:** [January 28, 2021, 4:41pm UTC](https://community.emma-app.com/t/one-off-big-payment/3539/6 "2021-01-28T16:41:08Z")
Hi rebekah, I’d suggest a separate “category” called “One-offs” or sth It may or may stay a separate UI segment compared to the current “Categories”, up for discussion In other words, the current “Excluded” is a helper for the Budgeting features which tracks monthly expenses so it doesn’t work for a one in a life time kinda payments IMO ---
**Author:** ![Gaoler](https://avatars.discourse-cdn.com/v4/letter/g/71e660/32.png) [@Gaoler](https://community.emma-app.com/u/Gaoler)\ **Post date:** [January 28, 2021, 4:46pm UTC](https://community.emma-app.com/t/one-off-big-payment/3539/7 "2021-01-28T16:46:16Z")
If you really want to spread it over eg a few months, you can exclude the original transaction, then create a manual account and create eg 3 transactions, one each for the first day of the next 3 months. It’s a bit time-consuming, but it should work ---
**Author:** ![Ericntd](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/ericntd/32/1711_2.png) [@Ericntd](https://community.emma-app.com/u/Ericntd)\ **Post date:** [January 28, 2021, 7:29pm UTC](https://community.emma-app.com/t/one-off-big-payment/3539/8 "2021-01-28T19:29:06Z")
Thanks for the suggestion @Gaoler but that’s a lot of work for very little benefit My downpayment in this case is 10% but it could vary from 5% to 20% for everyone My mortgage duration is. 25 years which is very common So this downpayment will be roughly spread over 300 = 25\*12 months (We still haven’t account for interest) So spreading it over a couple of months is far from accurate Of course, if I waited 25 years sure the monthly spendings and budgeting stats will make sense without us making any changes Ideally, I don’t want my monthly spendings stats to mess up ---
**Author:** ![Gaoler](https://avatars.discourse-cdn.com/v4/letter/g/71e660/32.png) [@Gaoler](https://community.emma-app.com/u/Gaoler)\ **Post date:** [January 28, 2021, 7:43pm UTC](https://community.emma-app.com/t/one-off-big-payment/3539/9 "2021-01-28T19:43:41Z")
> [@Ericntd](#): > > that’s a lot of work for very little benefit Oh, sorry, I wasn’t concentrating and thought you meant a rental deposit/upfront rent payment! Lockdown is getting to me… I would exclude the transaction and add your equity in the property under Accurate Net Worth \> Real Estate (sic) instead ---
**Author:** ![Ericntd](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/ericntd/32/1711_2.png) [@Ericntd](https://community.emma-app.com/u/Ericntd)\ **Post date:** [January 31, 2021, 2:29pm UTC](https://community.emma-app.com/t/one-off-big-payment/3539/10 "2021-01-31T14:29:46Z")
Thanks everyone, I found the perfect solution. I put the downpayment in “investment”. Since I withdrawed a similar amount money from stock exchange to make that payment, everything balanced out! (In “investment” category) So happy 😌