I have a related question.  How do I enter a discount on a check or credit card purchase.  We buy everything online, payment at checkout.  No Bill.  I have been using Contra-income account but it doesn't make sense to me because it's an income account and I have to enter the amount as a negative in the check/credit card purchase for it to reflect as a decrease in the amount owed but if it's an income account that account will also deduct the amount from income instead of counting it as income.