Monthly Goal Is Green But Should It Be Yellow?
The dollar amounts I'm using here are for example only.
I'm fairly new to YNAB, I just set up my accounts and budgets on November 1. I set a goal for my mortgage for $1,000 by the 1st of each month. I budgeted the $1,000 right away and there was a transaction for paying my mortgage on November 1 so it shows I have $0 available in that category and it also states I have met my monthly goal (so it's green).
So now I'm thinking "well, how do I make sure I keep funding this each week accordingly without seeing it yellow indicating I need to do something about it?" I don't have enough money yet to have the 1-month buffer and the luxury of the "quick budget" button on the first of the month to just auto-populate a whole month's worth. I also don't think I want to allocate my first paycheck all to the mortgage as I want to spread out funding each budget more evenly (maybe this is my problem and I'm not thinking like ynab enough?).
Either way, I tried to check the goal to be the end of the month and it still didn't change stating I met my goal. Do I maybe just need a goal of double my mortgage on the first of each month?
Ignore it, and budget to fill the category by month end. The first month's budget is frequently atypical.
Alternatively, you could budget in next months area as you receive checks this month. I don't personally like part of my plan hidden on another screen, but it's possible.
Side note: as you may have gathered, the particular day is ignored by the goal.
Splitting expenses across checks is quite in-line with "YNAB thinking". I believe splitting ALL categories across each check provides the same clarity that being a month ahead provides. It's obvious what you can afford since the scaled down month has to fit within the constraint of a single check. It's the same process (Rule 2, in fact), just with smaller chunks.