Yet another question about "Available Payment" on CCs
How is my "payment available" more than my balance? My categories reflect what I currently have budgeted for various things, but until they actually show up as a CC charge, ynab doesn't 'care' where the money is coming from, just that I have the cash on hand to budget.
Since it shouldn't be allocating $ to the CC until the charge comes in and I allocate it to a category, how would my available payments end up larger than my balance? I have never 'budgeted' anything to the CC directly (it gets paid as transfers between checking and CC), any refunds were either credited to the original category, or TBB (depending on what the refund was for)
I guess twofold:
if I allocate to TBB, and then from there, give those new TBB $ a job (reallocating to new categories), they stay in the CC payment category??? If that's true, I feel like now those dollars are double allocated - I moved them to TBB, and from there, allocated them, to say, my mortgage, but they are also still in the CC payment?(Oooh, I just tried this out with a fake transaction - creating a "refund" allocated to "inflow: TBB" and now I see what you mean - even if I allocated it to TBB, it doesn't actually go into TBB... So those transactions ARE actually stuck in the CC payment. That's at least one small part of my discrepancy - But leads to #2)
2) Most of the refunds were reallocated to their original categories (and there weren't that many anyway) - the only ones allocated to TBB (besides my starting balance, which was actually a positive credit) were to a category I knew I was going to be retiring. (Those transactions only account for only $100 of the almost $700 discrepancy seen above)
So I'm still wondering where the rest of it came from?
This is easily verified by looking at the starting balance transaction. A small comment about terminology: it should be *categorized* as TBB.
*Allocations*, on the other hand, are made in the budget screen. Again, easily verified by scrolling back to that first month's budget and verifying the Budgeted cell for the Payment category is empty ($0).
The only time categories aren't completely backed by cash is when there are red numbers in the budget (categories or TBB).
Just wanted to throw an update in here, in case this comes up for anyone else. Support did indeed look into the issue and turns out:
The issue here is a pretty uncommon bug on our end, related to adding a credit card with a positive Starting Balance. So, apologies that has thrown your budget off!
If you add a card with a positive Starting Balance, which also has outflow transactions with the same date as the Starting Balance, YNAB will move money from To be Budgeted to the Credit Card Payment category.
So it turns out that I had both a positive starting balance (from a refund before I started YNAB), AND a bunch of charges on the same day, which caused the issue! (And I do indeed have a bunch more money to budget, so that's nice!)