How to bring in emergency funds without messing up reports?

Our EF is currently completely off budget and not represented at all in YNAB (no, not even as a tracking account). I've received a surprise bill and will need to bring in that money to pay it. I don't want to categorise it as income as that will mess up the income analysis report and if I send it straight to the category that will also mess up that report and I won't see the real total of spending there when I look back.

What's the best way to deal with this?

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  • Create an on-budget account for your savings account and date the starting balance to the first day you used YNAB. Scroll back to whatever month that was, create a category (preferably several) for those funds, and budget them there. 

    Not wanting to see an emergency fund as income is precisely why it’s recommend to keep that account on budget.  

    Like 3
      • nolesrule
      • Been waiting 5 years for the Stealing From the Future fix...
      • nolesrule
      • 10 mths ago
      • Reported - view

      WordTenor Beat me to it. People do not think through the repercussions of keeping what should be budget accounts outside of the budget.

  • Thank you both!

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  • 10 mths agoLast active
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