rolling over a negative category
In April I overspent in my clothing category. I did not back fill the category yet because I intend to return some of the items, which will resolve the overspending. When I budgeted for May, I expected my available amount in May to be "May amount budgeted minus April amount overspent." For example, let's say April ended with -$100 for clothing, and I budgeted $150 in May, I would expect my available amount to be $50. However, it is the full $150 that I budgeted. Where did that -$100 go? If I had ended April UP $100 instead of DOWN $100, it would have rolled over, so I don't understand why the negative doesn't roll over.
If you spent the money in cash, the amount was deducted from your overall available amount in May, and you'll see it in the header. If you spent it on credit, the overpayment has become part of the debt you are carrying month over month on your credit card, and you'll budget directly the card to reduce it.
Since you are making a return, return the items, and inflow the return by categorizing it to the correct category. This will reduce the amount you owe on the card, brining it back in line with the money set aside to pay it via budgeted spending.Reply
Negative amounts are corrected by the software to bring your categories and accounts back into balance at the month changeover, because overspending in a category means your other categories have more money in them than you have in your accounts.
If the overspending was done on a credit card, you simply won't have the money to pay off the credit card bill for the overspent charge, per the CC payment category.
With cash overspending, it is removed from the next month's To Be Budgeted, forcing you to budget less money in the following month to make up for the overspending.
When you get the refund from the return, you can then deal with the CC payment category or the TBB shortfall with the money that gets put back into the category.Reply
It was a credit card purchase. But I'm still not sure I understand the workflow. It didn't take any money out of my "to be budgeted" or from any other category. But it shows in the credit card account.
How do I change it so that it moves the money I budgeted in May to April so that it zeros it out? I'd rather it show my ACTUAL available amount there, not the fake one, and then increase it when I pay the credit card off.
I wish YNAB wasn't so stuck on months... I hate that it doesn't show a continuous list for each category that I can scroll through and instead I have to make sure I have the right month selected to find what I'm looking for. It isn't like a reset button is pushed every month.Reply
OK, so is there a way to go back and allocate my "to be budgeted" to that category in April instead of in May so that it doesn't show more in my clothing category than I really want it to? I want the money I budgeted to clothing to back fill the amount I overspent. I do (obviously) use my credit card, but I use it like cash and pay it off each month. I don't carry debt on it, so I don't want it to look like I can spend more than I have. The money I budgeted for May is money that was earned already in April and was sitting in "to be budgeted" so it was already available earlier, I just didn't budget it until yesterday. Thanks!Reply