To Be Budgeted

I have been using YNAB for quite a while and am faithful in entering all of the debits and credits, but my “To Be Budgeted” amount is a fictitious amount. How do I zero this out?

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  • It's only fictitious if your account balances are off or you are over budgeted in one or more categories. YNAB uses basic math using your budget accounts and category balances to come up with the TBB number.

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  • How do I $0 it out? After that, I will transfer money to it as needed.

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      • Bruce
      • Software Engineer
      • Bruce
      • 1 mth ago
      • 1
      • Reported - view

      Magenta Ink (b04bb2cef5c4) 

      Magenta Ink (b04bb2cef5c4) said:
      How do I $0 it out?

       By budgeting it into categories.  If you click on it, a move money pop up pops up and asks you how much you want to move to which category.  Another way to move money from TBB into categories is to select and highlight a category, and type in the amount of money you want to budget into that category.  The money will move from TBB.

      Once your TBB is at $0.00 everything is budgeted (in YNAB words, every dollar has a job)  That is the ideal state, and the only time it should NOT be 0 is when you just got paid and haven't had a chance to budget that money yet, by moving it to other categories that you need for spending.

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  • Just to be very obvious, make sure you reconcile all your accounts before adjusting things in the budget. 

    Once your accounts are reconciled, then you can move whatever is in TBB (if it's positive) to categories, probably starting with red/negative, then going to orange/negative, then immediately needed categories, then making sure the CC payment category is appropriately full, then living categories, then savings categories.  Until TBB goes to $0.

    If TBB is negative, you'd move money out of categories until it gets to $0.

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  • I want to apologize, as I am not explaining myself properly.  All of my budgeted items are 100% accurate, including my credit cards, checking and savings accounts. When I started with YNAB, I put a random amount initially and now have $100K+ in my To Be Budgeted item. Now, I have this much and more in investment accounts, but they are not linked or shown in YNAB. My mistake in doing this in the first place. :-( Is there any way to Move this money out of YNAB or $0 out the To Be Budgeted, or should I just ignore this?

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      • nolesrule
      • Been waiting 5 years for the Stealing From the Future fix...
      • nolesrule
      • 1 mth ago
      • Reported - view

      Magenta Ink (b04bb2cef5c4) The money in your budget, including TBB is equal to the cash in your budget accounts. In order for the money in the budget to be fake, it means your account balances are wrong or you have accounts in your budget that aren't real.

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    • nolesrule - Exactly; the TBB is a fake amount. As a solution, could I add an investment account to YNAB, call it Schwab, transfer the TBB to this account and add money to this to equal what is in my Schwab account?

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    • Magenta Ink (b04bb2cef5c4) If you have a fake transaction, you can either find and delete it, or make another fake transaction to subtract it. 

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      • nolesrule
      • Been waiting 5 years for the Stealing From the Future fix...
      • nolesrule
      • 1 mth ago
      • Reported - view

      Magenta Ink (b04bb2cef5c4) If all your budget accounts are reconciled and you have a fake account in your budget, just delete all transactions in the fake account and close it.

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  • Magenta Ink (b04bb2cef5c4) said:
    When I started with YNAB, I put a random amount initially and now have $100K+ in my To Be Budgeted item.

    Just to be clear:When you started YNAB you put in a fake amounts as your account balances rather than using the actual account balances? Was there a particular reason you didn't use the actual account balances?

    Magenta Ink (b04bb2cef5c4) said:
    All of my budgeted items are 100% accurate, including my credit cards, checking and savings accounts.

    If the current cleared balances of all of your credit cards, checking and savings accounts (ie all the accounts in the left hand side of your screen on the web version or under the accounts view in the app version) are 100% accurate, Then all the money in your budget is 100% accurate. It's just basic math. Now, the amount in your TBB could be "wrong" in so far as some/all of it should have been allocated to categories. You fix it by allocating to categories.

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  • Magenta Ink (b04bb2cef5c4) said:
    When I started with YNAB, I put a random amount initially and now have $100K+ in my To Be Budgeted item.

    You put a random amount where? You’ll need to fix this. You can’t modify TBB directly. It is a result of your account balances and budgeted funds.  The sum of your budget account balances = TBB + Total Available.

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  • I'll echo the folks here in saying that any money you enter in YNAB should be actual money that is in your bank accounts—not imaginary money. To remove imaginary money from To Be Budgeted, you can delete the original imaginary transaction or reconcile your accounts to match the cleared balance from your financial institution, entering a Reconciliation Balance Adjustment.

    Magenta Ink (b04bb2cef5c4) I'm reaching out to you via email to see if we can help you track down the initial transaction that caused this discrepancy in To Be Budgeted and get things back on track. :)

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  • I created a Practice budget to use as trial and error along side my real one until i understood the app. I've needed to restart a fresh budget twice because i didn't grasp the accounts held physical vs budget fictitious. So when i was trying to visualize how acct transfers and categories looked like it was a hot mess. So when i started over fresh the last time, i made the practice budget to play out a transaction/allocation to how how the budget responds before implementing in my real budget. (using simple figures).  This lets you use fake figures for practice and not mess around with real. 

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