overspend showing on CC but not in budget
I am having a CC mystery.
My CC is paid in full. I am buffered. My CC register shows I'm over spent by $20.64, an orange number. My budget says I am green and good to go. I have gone backwards and forwards several months and can find no sign of discrepancy. This started over the weekend when I had a bunch of transactions and some overspending. I covered the overspending (I thought), but obviously something went wrong. Since all my categories are green I'm at a loss on how to find it and fix it besides going in and undoing/redoing all transactions from the past few days.
Your CC payment category can still show green even if you have some credit card overspending, because you have enough money reserved to make a payment, it's just not enough to be able to pay everything in full.
If you are a paid in full CC user, the CC payment category available balance should equal your credit card account balance when you have no overspent purchases made on the card. No more, no less. It will be less if you have some overspent CC purchases.
I am also a paid in full (PIF) user and this happens for me sometimes. It feels impossible to understand what happened or how to fix it. I simply add money where it's needed, taken from other categories if needed. Within a few days to weeks, what happened will be revealed. In your case, budget the $20.64 to your credit card. Keep watching and one, or more, categories will come up over. You can contact support for help but I've normally found the problem long before they respond.
When accessing my budget, one of the first things I always attempt to do with my credit cards is verify my budgeted amount matches the account balance. If it doesn't, I make adjustments.
P.S. adding again the feature request to have the software find the overspending, crew! You've managed to generate it in the account header, which means the software knows where it's coming from--show that to the user. It would be so helpful!
Feature request #2--have all overspending show in the account header.
Hi clevername !
That negative amount in your Credit Card Payments category should have shown in red (and handled accordingly), the fact that it was in orange is a bit of a ghost bug that we're trying to track down! Thanks for letting us know about it! To get a bit more info, do you have any goals set in that CCP category?
Since that's the case, that overspending should be handled just the way you did it. And having a bit more transparency about what exactly happened is a great feature request! I 'll certainly pass it along to our design team. 😊
No, I have no goals set for credit cards.
I am even more confused. I realized the 20.64 overspend on one card is exactly the amount of two returns I made on my *other* card. These were purchases made in past months, but I returned the money to the category they came from.
I made the orange overspend go away buy budgeting 20.64 to the category I suspected was causing the issue. But now it shows I have a green 20.64 available to spend in my budget.
Was there ever a fix for this? I have the exact same problem. I made a purchase and got a return both on one card, but am showing an overspend of that amount on a different card. I moved the money in the card payment field so that works out but am still showing an overspend in orange on the wrong card that really doesn't exist. It's extremely frustrating.
I see this is answered but I just had a similar issue showing in the web app, and it seemed to resolve after taking an action in the iPad app. Here's what happened:
- Saw that my Credit Card account had $10.27 overspending in November
- No budget category was red, indicating overspending
- Through trial and error of changing outflows on the CC account, I found the overspending was related to my Entertainment category
- On my Budget, the Entertainment category had $0.00, and to my surprise my CC budget had $10.27 budgeted, and -10.27 in activity
- I moved the 10.27 budgeted from my CC budget to my Entertainment budget
- Now, Entertainment budget had $10.27 remaining, and the overspending in my CC account was gone... Until I added an Entertainment transaction of $10.27 in another account, then the overspending showed back up.
I began typing a message to YNAB support, and opened the iPad YNAB app to add and remove a transaction just to double check that my support message was accurate. To my surprise, I didn't get the overspending issue. Back on the YNAB web app, the overspending was also gone in my CC account.
So something in the iPad app must have reset some cached value...?
She falls down a well, her eyes go cross... She gets kicked by a mule, they go back. I don't know...
Hey folks - wanted to say I had this same issue. Was tearing my hair out about it. Turns out the problem was that I had a purchase of $60 a few months ago, categorized under Work Expenses. I returned the purchase and got a refund of $60. Instead of categorizing that credit card refund as Inflow, I categorized it as Work Expenses but in a positive amount of $60. The idea I had being that, well, that's money back into my Work Expenses budget. I guess this might have worked if the return was in the same month as the purchase, but because they were a couple months apart, it all went nuts. Changed the return to Inflow and the issue went away.