Consolidated Pivot headache - can't get the same fields with Pivot Table Wizard

[starstill]

This is my data: http://screencast.com/t/hTmzP2I5g4y0

It is simply expense from two sources: my checking account, and a Visa credit card.

My goal is to show the total for each category (this is the row), by month.

I have two pivot tables.

1. First one is CHECKING ONLY. This is made using a regular pivot table.
2. Second one is CHECKING & VISA. This is made using the Pivot Table Wizard for consolidated pivot tables.

My goal is to make the second pivot table like the first.

As you can see, why do I have field within fields: http://screencast.com/t/IrDxwLOG75b

I have also attached this file.