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)

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    • Vibrant
    • No more counting dollars, we'll be counting stars
    • vibrant
    • 2 wk ago
    • Reported - view

    Refunds (and other inflows) categorized as TBB don't get moved out of the credit card payment category, you have to manually reallocate those dollars. 

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  • I guess twofold:

    1) 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?

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      • satcook
      • satcook
      • 2 wk ago
      • Reported - view

      Erica do you receive cash back from your credit card?

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      • Erica
      • EricaM
      • 2 wk ago
      • Reported - view

      satcook No (or at least none that I've used)  (To further clarify, I get points, which build up, and can be used as cash back.  haven't used any during this period)

      The only things listed in "inflow" in all of my CC history (not the Inflow TBB category, the inflow column) are:

      Payments (all of which have Payee "payment: Checking", category not needed)
      Refunds (most of which were placed back in their original categories with the  exception of the two I referenced above, and those two I now understand what happened)
      Starting balance (which, as I mentioned was actually a positive credit stemming from a refund prior to starting ynab) - this is categorized as Inflow: To be budgeted, but I think that was actually correct (You have a bunch of $ credit, what job are those $ going to fulfill)    (Unlike refunds allocated to TBB, a 'starting balance' with a positive inflow DOES seem to show up in my TBB - again tried that out with a fake 'new' CC to verify the behavior)

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    • Erica Regardless of how, you don't need more than it takes to pay the account to $0. Reallocate the extra elsewhere in the budget.

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      • Erica
      • EricaM
      • 2 wk ago
      • 1
      • Reported - view

      dakinemaui True!   But I NEED to know where this originated, so I don't propagate past mistakes!  It should be easier now (only 4 months in) to find and fix it now than it will be a year from now!

      (In painstakingly looking through everything from the start I found a couple of other mistakes I made that gave me more $ to budget elsewhere - on another CC, I had set and budgeted a goal on the CC for my netflix sub (the only thing I use that card for), but then had an additional goal in my normal expenses for the same thing - basically double allocating for Netflix.  (I THINK i may have done this because at the time, I was having trouble getting my BOA account to link, at any rate, I messed up, but to my overall benefit!)

      I also found a few cases where I had allocated budget to hidden categories that I don't expect to use (or don't expect to use anytime soon (I hide categories that are either retired, or I'm not currently contributing to - for example - my daycare expenses, not currently required since I work at home 95% of the time, it's TBD if I'll ever need them again)

      Like 1
      • satcook
      • satcook
      • 2 wk ago
      • Reported - view

      Erica in the 4 months you’ve been using ynab, is there anything on the budgeted line for the credit card in the credit card payments section?

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      • Erica
      • EricaM
      • 2 wk ago
      • Reported - view

      satcook No!   (You can see why this is driving me crazy haha!)

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    • Erica The only things that will leave the Payment category larger than the balance are a budget entry, an inflow categorized as TBB, or an incoming transfer from another credit account.

      If you need another set of eyes on the problem, you can give permission for Support to look at your budget.

      Like 1
      • Erica
      • EricaM
      • 2 wk ago
      • 1
      • Reported - view

      dakinemaui Thank you!   The only thing I can imagine is something went off because I started my budget with a fairly large positive balance (e.g. credit) on the CC.  At the time, it seemed to have been correctly allocated to TBB, but I know I made a bunch of other mistakes at the start that I fixed along the way, so dealing with that may have (probably did) contribute to this.   I'm just ... very particular haha, so before I "take that money back", I want to make sure it's actually real and I don't have some sort of snafu elsewhere that I'm missing!

      Like 1
      • nolesrule
      • YNAB4 Evangelist
      • nolesrule
      • 2 wk ago
      • 1
      • Reported - view

      Erica It's real, because the money in your budget is always equal to the cash in your accounts.

      Like 1
  • Erica said:
    At the time, it seemed to have been correctly allocated to TBB

    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).

    Like 1
  • 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!)

    Like 6
      • Bruce
      • Software Engineer
      • Bruce
      • 2 wk ago
      • 1
      • Reported - view

      Erica Extra unexpected money is always nice!  Go give those dollars some jobs!

      Like 1
      • MXMOM
      • MXMOM
      • 6 days ago
      • Reported - view

      Erica 

      Matthew is this like an Easter egg? She found the super hidden bug so she should get a T shirt!!!!

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