Best way to remove temporary inflow from on-budget account?
I am expecting to receive some money as a direct deposit to an on-budget linked account. I plan to transfer the entirety of that deposit to an off-budget unlinked emergency savings account at another bank almost immediately.
My question is: What's the best way to remove/prevent those two transactions (deposit & transfer) from affecting my budget & reports? Do I wait for both to occur and then reject them? Confirm them, then delete? Will this be problematic with reconciling or importing in the future? I've never tried to undermine the direct importing mechanism before.
My goal is to avoid an irregular spike in the net worth report and pretend that money was never available to my budget. Essentially treat it as if it were originally direct deposited into this off-budget emergency account.
Forest Green Sound said:
it should not factor into the net worth report?
No matter what you do on the transaction side, it might show up in the net worth report. Your emergency fund is entered in YNAB as a tracking account so unless you deselect it from the net worth report, the added income will show up.